Schertz, TX · Guadalupe, Comal & Bexar Counties

Schertz
Auto Insurance

Schertz is one of the fastest-growing suburbs northeast of San Antonio, straddling three counties with I-35 and FM 3009 carrying its commuters. Harvey Insurance writes auto policies for Schertz drivers and knows the routes they use every day.

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~44K
Schertz Population
Guadalupe, Comal & Bexar
Counties Served
Hail
Top Claim Driver

Harvey Insurance is a trusted local agency serving families and businesses across Texas, Oklahoma & Arkansas — backed by America’s most reputable carriers.

Auto Coverage for Schertz Drivers

Schertz straddles Guadalupe, Comal, and Bexar counties along the I-35 corridor northeast of San Antonio, one of the metro’s fastest-growing suburbs. FM 3009 and FM 78 carry heavy local and commuter traffic, so collision and property-damage claims follow the volume. Like the rest of central Texas, Schertz sits in hail country, and spring storms put a real dent in cars left in the open. We’ve written for Schertz drivers as the city has grown, and we’ll walk through what fits your commute and where you park.

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What’s Covered

Auto Insurance Coverage Details

Whether you drive a new vehicle or an older model, Harvey Insurance finds you the right auto coverage at a competitive rate — from the same local team that picks up the phone when you need them.

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Liability Coverage
Covers damage you cause to others' vehicles or property, and their medical expenses, if you're at fault.
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Collision Coverage
Repairs or replaces your vehicle after a collision with another car or object, regardless of fault.
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Comprehensive Coverage
Protects your vehicle from non-collision events — theft, hail, flooding, fire, and animal strikes.
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Uninsured Motorist
Protects you when the at-fault driver has no insurance or not enough to cover your damages.
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Medical Payments (MedPay)
Pays medical expenses for you and your passengers regardless of who caused the accident.
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Roadside Assistance
Adds towing, battery jump-starts, flat tire service, and lockout help to your policy.
Risk Profile

What actually happens to cars here

Driving in a fast-growing I-35 suburb has its own pattern, and certain claims show up again and again. Worth understanding before you renew.

Spring

Hail Damage

Schertz sits in central Texas hail country, and spring storms can dent cars and crack windshields across the area. Comprehensive coverage with hail in mind matters here, and we help you think it through realistically.

Daily

Commute Exposure

I-35, FM 3009, and FM 78 carry heavy daily volume through a rapidly growing city. Collision and property-damage claims track that traffic, and that shapes how we approach coverage.

Growth

New Construction Traffic

Constant building and new subdivisions mean more vehicles, more lane closures, and more fender-benders on Schertz roads. We factor that growth into the coverage we recommend.

Major Corridors

Schertz driving, corridor by corridor

Schertz driving runs on a few busy northeast-side routes. The ones that matter most:

I-35

The San Antonio–Austin corridor along Schertz’s northern edge. High-speed, high-volume, and a regular source of claims.

FM 3009

Schertz’s main north-south artery, linking neighborhoods to I-35. Steady commute and shopping traffic.

FM 78

The older route through Schertz toward Cibolo and Seguin. Heavy local traffic and frequent signals.

FM 1518

A growing connector on the south side, carrying more traffic as new development spreads. A rising claims corridor.

Why Harvey Insurance

Built on trust. Driven by service.

We’re not a call center or an app. We’re a local agency that treats every client like a neighbor — because most of them are.

01

Backed by Trusted Carriers

We work with the most trusted carriers in the country — giving our Schertz drivers access to strong coverage and reliable claims support.

02

True Local Expertise

We understand how Schertz residents use the roads and write policies that reflect real driving conditions in your area.

03

Genuine Relationships

When you have a question or a claim, you reach us — not a call center. We know your name and advocate for you, every time.

Client Reviews

Real people. Real results.

Ready to insure your Schertz drive?

Quotes for Schertz commuters along I-35 and FM 3009 — same-day callbacks from a local agent.

Service Area
All of Texas
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Nearby Cities

Auto insurance across San Antonio & the Hill Country

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Harvey Insurance also proudly serves the smaller communities around Schertz, including Marion and Santa Clara.

Own a home in Schertz too? See our Schertz homeowners insurance.

Also in Schertz: Schertz renters insurance, Schertz landlord insurance, Schertz life insurance, and Schertz umbrella insurance.