Mercury Car Insurance in San Antonio, TX
Whether you’re commuting downtown during Fiesta San Antonio or taking a family trip to SeaWorld, Mercury provides auto insurance plans designed to protect you through every twist and turn. Our policies cover everything from minor scrapes in packed parking lots to more significant damages from hail storms or flash floods, ensuring you can enjoy all the sights and sounds of Alamo City worry-free.
![Sad woman talking on cell phone near wrecked car](https://cdn.bfldr.com/SIT4MQAT/at/6xr8njp87bjjfkzs7xrxrc6/GettyImages-1354217126.jpg?auto=webp&format=pjpg&width=1200&trim=1200,100,1800,100)
Is Auto Insurance Mandatory in San Antonio?
In San Antonio, all drivers are legally required to have auto insurance. This law helps protect you and other drivers and pedestrians in case of an accident and ensures that funds are available to pay for injuries or damages you may cause while driving.
Legal Requirements to Drive in San Antonio
According to the Texas Department of Insurance, you must have liability insurance that meets at least the following minimums to legally drive in San Antonio:
- Bodily injury: $30,000 per person and $60,000 per accident
- Property damage: $25,000 per accident
Liability insurance helps cover the costs of injuries to others and damage to their property, but it doesn’t cover damage to your own vehicle or your personal injuries.
Contact us today for a fast, free quote!Optional San Antonio Car Insurance
While every driver in San Antonio needs to meet the minimum liability insurance requirements, several optional coverage types can provide additional peace of mind. Here’s a look at optional insurance coverages you might consider:
Collision Coverage
Collision insurance helps pay for repairs to your vehicle if it’s damaged in a collision, regardless of who is at fault. Whether you hit another vehicle or a stationary object, this coverage can help manage the costs of getting your car back on the road.
Comprehensive Coverage
Comprehensive insurance goes beyond collisions. It covers damage to your car caused by various non-collision events, such as theft, fire, vandalism, and natural disasters like hail or floods. This is especially valuable in San Antonio, where weather can be unpredictable.
Uninsured/Underinsured Motorist Coverage
Despite laws requiring insurance, some drivers may not have sufficient coverage. Uninsured/underinsured motorist coverage protects you if you’re in an accident where the other driver is at fault and doesn’t have enough insurance to cover the damages.
Personal Injury Protection (PIP)
PIP covers medical expenses and, in some cases, lost wages and other damages, regardless of who’s responsible for the accident. This coverage can help you financially while you recover from your injuries.
What Does San Antonio Auto Insurance Not Cover?
Understanding what your auto insurance policy does not cover is just as important as knowing what it does. Here are some common exclusions in auto insurance policies that you should be aware of:
- Personal belongings: Auto insurance typically doesn’t cover personal items that may be stolen from your vehicle or damaged in an accident. Make sure to have homeowners or renters insurance to protect belongings like your phone, laptop, or other valuables.
- Normal wear and tear: Auto insurance doesn’t cover wear and tear on your vehicle, including brake pads, tires, and other parts that deteriorate over time through normal use.
- Intentional damage: Car insurance doesn’t cover any damage you intentionally cause to your vehicle
- Driving for business: If you use your vehicle for business purposes, such as making deliveries or transporting goods, you might need business auto insurance. Personal auto policies don’t typically cover vehicles used primarily for business.
Get Cheap Auto Insurance in San Antonio from Mercury
At Mercury, we believe in providing quality auto insurance at affordable rates. Every driver and vehicle is unique, and we offer personalized policies tailored to your specific needs and budget.
Save More with Discounts
Take advantage of numerous discounts to lower your premiums even further. Whether you’re a safe driver, a good student, or you own a car with advanced safety features, there are multiple ways to save. Contact a local agent today to ask how you can reduce costs and enhance your driving experience.
Bundling with Mercury
Combine your auto insurance with San Antonio home insurance or renters insurance through Mercury to maximize your savings. Bundling your policies simplifies your insurance management and offers substantial discounts.
- San Antonio Home Insurance: Protect your home against unexpected damages with comprehensive home insurance, which covers a wide range of perils, including storm damage, theft, and more.
- San Antonio Renters Insurance: Invest in renters insurance and ensure your personal property is protected in the event of fire, theft, or other damages.
![Exterior of River Walk in downtown San Antonio.](https://cdn.bfldr.com/SIT4MQAT/at/wbq6jgkwkfbw79h42mjg9kk8/GettyImages-1206041353.jpg?auto=webp&format=pjpg&crop=1:1.5&trim=150,600,900,0&width=auto&height=750&dpr=1&quality=10,15)