Updated: May 20, 2024
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Your preferences and driving record will determine which provider is best for you. MoneyGeek found that Texas Farm Bureau provides the best overall car insurance in San Antonio. It's also the best option for young adults and seniors. State Farm is the best for teens, Foremost is the best for drivers with poor records and Allstate is the best for new car drivers.
MoneyGeek also evaluated the cheapest auto insurance providers in San Antonio if you prioritize cost above all else.
BestCar InsuranceSan AntonioTable of Contents (Jump to Your Best Fit)
Why Trust MoneyGeek? To find the best auto insurance in San Antonio for different driver profiles, we collected and evaluated data from Quadrant Information Services and the Texas Department of Insurance.
The best overall auto insurance providers in San Antonio are:
Texas Farm Bureau is our top pick because of its great ratings for customer satisfaction and affordability, providing policyholders with a good balance of quality service and reasonable rates. Texas Farm Bureau is also the top auto insurance company in Texas.
USAA is the top insurance provider in San Antonio for active or veteran military members and their families, earning a MoneyGeek score of 81 out of 100.
How was this MoneyGeek score calculated?
MoneyGeek’s score for the overall best car insurance was calculated with the following weights:
Ranked second for affordability and customer satisfaction
Provides roadside assistance and rental reimbursement coverage
Has a below-average claims handling score
Doesn't offer gap insurance, accident forgiveness or new car replacement coverage
Texas Farm Bureau came out on top as best car insurance provider in San Antonio, with the second-cheapest annual premium of $810. It also ranked second for customer satisfaction, offering a great balance of quality service and affordability.
Customer satisfaction ratings are based on J.D. Power’s customer satisfaction study and the National Association of Insurance Commissioners (NAIC) customer complaint index, so the company's high rating indicates that it receives fewer complaints compared to competitors.
Texas Farm Bureau's add-on coverage options are quite limited, but it offers two essential coverages that are useful to most drivers. One of these is roadside assistance, which covers services like towing and fuel delivery if your car breaks down and you're stranded on the side of the road. In addition, rental reimbursement coverage helps cover the cost of a rental car if your vehicle is being repaired following a covered incident.
Texas Farm Bureau is our top choice for car insurance in San Antonio out of the 12 companies we analyzed because of its high ratings for affordability and customer satisfaction. Foremost and Chubb ranked the highest for customer satisfaction and claims management, respectively, but both companies charge significantly higher rates. State Farm, our runner-up, has the cheapest premiums but fell behind in customer service.
Rates noted here are for full coverage policies, and companies only received an overall MoneyGeek score if there was enough information available for each individual scoring component.
| Texas Farm Bureau | MoneyGeek Score (out of 100)79 | Annual Premium$810 | Satisfaction Score (out of 5)5 | Claims Score (out of 5)2 | Coverages Score (out of 5)3 | Stability Score (out of 5)3 |
| State Farm | MoneyGeek Score (out of 100)76 | Annual Premium$741 | Satisfaction Score (out of 5)4 | Claims Score (out of 5)2 | Coverages Score (out of 5)3 | Stability Score (out of 5)5 |
| Chubb | MoneyGeek Score (out of 100)74 | Annual Premium$1,456 | Satisfaction Score (out of 5)5 | Claims Score (out of 5)4 | Coverages Score (out of 5)3 | Stability Score (out of 5)5 |
| Allstate | MoneyGeek Score (out of 100)69 | Annual Premium$882 | Satisfaction Score (out of 5)3 | Claims Score (out of 5)2 | Coverages Score (out of 5)4 | Stability Score (out of 5)4 |
| GEICO | MoneyGeek Score (out of 100)68 | Annual Premium$1,084 | Satisfaction Score (out of 5)4 | Claims Score (out of 5)2 | Coverages Score (out of 5)3 | Stability Score (out of 5)5 |
| Foremost | MoneyGeek Score (out of 100)68 | Annual Premium$1,495 | Satisfaction Score (out of 5)5 | Claims Score (out of 5)2 | Coverages Score (out of 5)4 | Stability Score (out of 5)3 |
| Mercury | MoneyGeek Score (out of 100)68 | Annual Premium$916 | Satisfaction Score (out of 5)3 | Claims Score (out of 5)2 | Coverages Score (out of 5)3 | Stability Score (out of 5)3 |
| Nationwide | MoneyGeek Score (out of 100)66 | Annual Premium$1,083 | Satisfaction Score (out of 5)3 | Claims Score (out of 5)2 | Coverages Score (out of 5)4 | Stability Score (out of 5)4 |
| AAA Texas | MoneyGeek Score (out of 100)66 | Annual Premium$1,028 | Satisfaction Score (out of 5)4 | Claims Score (out of 5)2 | Coverages Score (out of 5)3 | Stability Score (out of 5)3 |
| Progressive | MoneyGeek Score (out of 100)60 | Annual Premium$1,467 | Satisfaction Score (out of 5)3 | Claims Score (out of 5)2 | Coverages Score (out of 5)4 | Stability Score (out of 5)4 |
| National General | MoneyGeek Score (out of 100)49 | Annual Premium$1,655 | Satisfaction Score (out of 5)3 | Claims Score (out of 5)2 | Coverages Score (out of 5)1 | Stability Score (out of 5)4 |
| Dairyland | MoneyGeek Score (out of 100)No Data | Annual Premium$2,218 | Satisfaction Score (out of 5)4 | Claims Score (out of 5)No Data | Coverages Score (out of 5)4 | Stability Score (out of 5)4 |
The following companies topped the list of the best auto insurance providers in San Antonio for customer service:
Chubb was the clear winner in this category out of the 12 companies we evaluated, ranking first for claims handling and third for customer satisfaction. However, its auto insurance premiums are among the most expensive in San Antonio.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for Customer Service was calculated with the following weights:
Ranked first for claims management among 12 companies
Earned a high customer satisfaction score
Offers original equipment manufacturer (OEM) and rental reimbursement coverage
Has an average coverage score
Lacks accident forgiveness and roadside assistance coverage
Chubb is the best car insurance provider in San Antonio for consumers who value excellent service because of its high ratings for both customer satisfaction and claims handling. Customers pay a premium for good service as the company has one of the most expensive insurance rates in San Antonio.
Although Chubb lacks some essential coverages, it offers useful add-on coverages such as OEM coverage and diminished value coverage. OEM coverage pays for original manufacturer parts if your vehicle needs to be repaired, which ensures that the safety systems will continue to operate properly. Meanwhile, Chubb's diminished value coverage allows you to agree to your car's value when you buy your policy. If it's later totaled or stolen, you will receive a check for the agreed-upon amount.
The company also has rental car reimbursement coverage, which is more common among insurers. This coverage allows you to rent a car similar to the one you own if yours is being repaired. Chubb offers coverage limits up to $5,000 with no per-day limit.
Good customer service is essential when you need to file an insurance claim or have other questions or concerns about your policy. An insurer with excellent service will quickly resolve consumer complaints and efficiently pay out claims. Chubb is our top pick for customer service in San Antonio because of its exceptional claims management and customer satisfaction ratings. Foremost earned a slightly higher customer satisfaction score and has more essential coverages, but fell behind in claims handling, affordability and financial stability.
Based on our analysis of cost and service quality for minimum coverage policies in San Antonio, the best companies are:
Although minimum coverage policies are the cheapest option, they have the least amount of liability coverage and do not cover the cost of damages to your own vehicle. Every city in Texas is subject to the same minimum car insurance requirements.
How was this MoneyGeek score calculated?
MoneyGeek’s score for the Best Cheap company was calculated with the following weights:
An affordable minimum coverage policy costs $379 per year
Offers anti-theft system, safe driving and driver’s education discounts
Earned high customer satisfaction and affordability scores
Doesn't offer paperless or pay-in-full discounts
Has a below-average claims handling score
The best cheap car insurance provider in San Antonio is Texas Farm Bureau, with an estimated yearly rate of $379 for a minimum coverage policy. This insurance provider also ranks second for customer satisfaction, providing policyholders with great service at a reasonable rate.
Texas Farm Bureau's discounts can help you save even money on your auto insurance. The company provides common discounts such as safe driving, bundling, multiple car and good student discounts. It also offers more unique discounts for anti-theft systems and driver’s education. The former is available to policyholders who have certain safety devices installed in their vehicles. In addition, drivers under 25 who complete an accredited driver's education course are also eligible for a discount.
Cheap rates can sometimes mean a trade-off with customer service, but it's possible to get great service at an affordable rate with Texas Farm Bureau. The company ranked second for both affordability and customer satisfaction in San Antonio. Our runner-up, State Farm, is slightly more affordable but fell behind in terms of customer service.
The best car insurance providers for young adults in San Antonio are:
Texas Farm Bureau has the second-cheapest premium in the city and also received top marks for its commitment to client satisfaction, making it the best overall option for young adults.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for Young Adults was calculated with the following weights:
Offers the second-cheapest rate at $1,000 per year
Provides good student and driver's education discounts
Earned high customer satisfaction and affordability scores
Lacks some essential coverages
Has a poor claims management rating
For young adults in San Antonio, Texas Farm Bureau offers the best auto insurance, with an average annual rate of $1,000 per year. This company achieved the second-highest score for customer satisfaction, making it ideal for young drivers who value service quality.
Texas Farm Bureau also provides several discounts for young adult drivers to further save on premiums. For example, those under 25 who complete an accredited driver's education course are eligible for a discount. Young adults who are students and maintain good grades may also qualify for a good student discount.
Young adult drivers can also benefit from Texas Farm Bureau's add-on coverages, including roadside assistance and rental car reimbursement. The former provides access to a 24/7 dispatch service to help get you back on the road if your car breaks down, while the latter helps cover the cost of a rental car if you get into an accident and your car needs repairs.
Young adult drivers should consider companies that provide reasonable rates, good service and useful coverages and discounts. Texas Farm Bureau fulfills all of these criteria for young drivers in San Antonio, offering the second-cheapest rates and earning a high customer satisfaction score based on J.D. Power studies and NAIC customer complaint index data. State Farm, our second-place choice, is the cheapest option and offers more discounts, but it ranked lower for claims management and customer satisfaction than Texas Farm Bureau.
The best auto insurance companies for teen drivers on a family policy in San Antonio are:
State Farm is our top choice for teens and their families in San Antonio because of its excellent service and competitive prices. Adding a teen to a family policy is a great way to save money on auto insurance — teenagers in San Antonio could save an average of $3,267 annually by joining their parent's policy rather than getting an individual policy. It's also important to keep in mind that teens under 18 legally need a parent or guardian to cosign in order to purchase an individual policy.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for Teens was calculated with the following weights:
Ranks second for affordability, with an average annual rate of $2,392
Offers good student, distant student and driver’s education discounts
Earned a high customer satisfaction score
Has a poor claims management score
Lacks certain essential coverage options
State Farm is the top car insurance provider in San Antonio for teen drivers and their families, offering great customer service at a reasonable rate. The company also provides discounts geared towards teenagers to help further lower costs.
Full-time students who earn a B average or 3.0 GPA can receive a discount from State Farm. In addition, the company offers a distant student discount for students under 25 who move away to school and only use the insured car while at home. You may also qualify for a discount if all teens and young adults under 21 on a family policy successfully finish an approved driver's education program.
State Farm offers limited add-on coverage options, but it does offer roadside assistance and rental car and travel reimbursement coverage, which are useful for teen drivers. Roadside assistance covers the cost of services like towing and tire changes to ensure that drivers aren't left stranded, while rental reimbursement pays for the cost of a rental car if your vehicle is undrivable following an accident.
The best insurance companies for teen drivers feature useful discounts, exceptional customer service and affordable premiums. Because of its reasonable prices and great service, State Farm is our top pick for teen drivers in San Antonio. Our runner-up, Foremost, ranked higher for customer service, but its expensive rates brought down its overall average.
The best auto insurance providers for senior drivers in San Antonio are:
Texas Farm Bureau came out on top in this category thanks to its high scores for affordability and customer satisfaction. Seniors looking for a balance of cost and customer service should consider this company. Rates for drivers in their 60s are usually comparable to those for drivers in their 30s through 50, but rates for drivers in their 70s tend to be more expensive.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for Seniors was calculated with the following weights:
Ranked first for affordability, with an average annual premium of $672
Has rental reimbursement and roadside assistance coverage
Earned high customer satisfaction and affordability score
Has a low claims management rating
Has an average coverage score
Texas Farm Bureau is our pick for the best auto insurance in San Antonio for senior drivers, offering the most affordable annual rate of $672. It also ranked second for customer satisfaction, providing seniors with cost-effective policies and high-quality service.
Texas Farm Bureau offers two of the most common coverages, roadside assistance and rental reimbursement, which can come in handy if you experience issues with your car. If you're involved in a covered accident and your vehicle needs to be repaired, Texas Farm Bureau's rental reimbursement coverage can help cover the cost of a rental car until yours is back on the road. This option is only available as an add-on to full coverage policies.
Texas Farm Bureau also offers roadside assistance, which covers important services, such as towing, flat tire changes, jump-starts, fuel delivery and lockout assistance, if you have a roadside emergency. The company will cover these services up to $120.
Seniors generally pay lower rates since they're considered safe drivers, but they are more likely to be seriously injured if they get into an accident. It's therefore a good idea to look for policies that include personal injury protection (PIP) or medical payments coverage, as well as discounts applicable to seniors. Texas Farm Bureau won this category because of its affordable rates and top-notch customer service. State Farm, the second-place winner, ranked lower in most categories but offers a defensive driving discount, which Texas Farm Bureau lacks.
Drivers with bad driving records in San Antonio can get the best auto insurance from the following companies:
Although Foremost has some of the city's most expensive rates, it received high scores for customer satisfaction and coverage options. Insurance rates tend to increase based on the severity of the offense. For instance, drivers in San Antonio who get a speeding ticket pay about $246 more per year than drivers with clean records, while drivers with a DUI pay about $560 more. However, it's still possible to find good car insurance for drivers with poor driving records.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for Drivers With Offenses was calculated with the following weights:
Offers new car replacement, roadside assistance and rental car reimbursement coverages
Ranked first for customer satisfaction among 12 insurers
Has a high coverage score
Has relatively expensive premiums at an average annual rate of $1,704
Claims handling score is worse than average
Foremost provides the best car insurance in San Antonio for drivers with offenses on their records. Although it has one of the most expensive insurance rates in the city — at an average annual rate of $1,704 — it has the best customer satisfaction rating out of the 12 companies we evaluated.
Foremost provides new car replacement, roadside assistance and rental car reimbursement coverage, all of which are useful add-ons for drivers with a history of violations. New car replacement coverage helps pay for a brand-new vehicle of the same make and model if your vehicle is deemed a total loss.
Meanwhile, if your car breaks down while you're driving, roadside assistance can provide services such as towing and flat tire repair. If you get into an accident and your car is temporarily undrivable, rental car reimbursement coverage helps cover the cost of renting a car to prevent any interruption to your weekly routine.
The best auto insurance company for drivers with poor records will provide reasonable rates and useful coverages such as roadside assistance and rental car and/or travel reimbursement. Although Foremost has relatively expensive rates, it has a wide range of coverage options and has high customer satisfaction ratings. The second-place finisher, State Farm, has much cheaper rates but performed worse in terms of coverage, customer satisfaction and claims management.
The top auto insurance company for drivers with new cars in San Antonio is Allstate. Here are the category winners:
For this category, scoring was based on cost and service quality for drivers of 2022 model cars in Texas. Only companies offering better or new car replacement coverage, which covers the cost of a brand-new vehicle of the same make and model if your car is totaled, were eligible for this category.
Allstate came out on top since it offers this coverage, as well as most essential coverages, and had the cheapest rates in our comparison group.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for New Cars was calculated based on insurers offering new or better car replacement coverage and the following weights:
Offers the most affordable rate at $1,388 per year
Has new car replacement coverage
Earned high coverage and affordability scores
Has an average customer satisfaction score
Allstate provides the best auto insurance in San Antonio for new car drivers, with an affordable annual premium of $1,388. It also offers new car replacement, one of the most useful coverages for those with new cars. If your vehicle is two model years old or less and is totaled in a covered incident, Allstate will replace it entirely with a new model.
Many other popular add-on coverages, including accident forgiveness, gap insurance, roadside assistance, rental car reimbursement and deductible modification, are available with Allstate plans. If you leased or financed your new car, you may need gap insurance, which covers the difference between your car's value and the remaining balance on your lease or loan in the case of a total loss.
Although new cars tend to be dependable, you may still experience unforeseen technical problems or get into an accident, so roadside assistance and rental car reimbursement are beneficial add-ons. Finally, accident forgiveness protects against rate increases after an accident, even if it was your fault.
While selecting an insurance provider, new car owners should prioritize new or better car replacement coverage. If you're involved in an accident in your new car, this coverage option could help you save a lot of money. Given that it provides new car replacement coverage at a reasonable cost, Allstate is our top choice for new car drivers in San Antonio. In second place, Foremost is more expensive but has better ratings for customer satisfaction.
To make the best decision for you, compare auto insurance companies in San Antonio based on factors like cost, service reputation and financial stability. We provided as much information as possible in this guide, but you can also conduct your own research using the steps listed below.
In order to score providers based on their service quality, MoneyGeek used data from the NAIC customer complaint index and J.D. Power studies. These are great sources to consult as you do your own research. In addition, if you need more details, check out the Texas Department of Insurance.
To get a general idea of how much you can expect to pay for car insurance, we recommend getting quotes from at least three different providers in the city. The rates we listed are based on sample driver profiles, so your premiums may vary based on your age, location, driving record and other factors.
Always check to make sure the provider you're considering offers the coverages and discounts you want in your city. They may advertise features that are not available in every market the company operates in. You can verify this by visiting the insurer's regional website or getting in touch with them directly.
We also recommend looking at a company's financial stability ratings, which indicate how likely it is to be able to pay out a claim, regardless of economic conditions. Larger companies are typically more reliable financially, while smaller insurers may have more difficulty settling claims.
The best auto insurance in San Antonio will depend on your specific needs and driving history. To assist you in making an informed choice, we provided answers to frequently asked questions.
Texas Farm Bureau is the best overall auto insurance company in San Antonio, earning a MoneyGeek score of 79 out of 100. It received high scores for customer satisfaction and affordability, with an average annual rate for a full coverage policy of $810. The company also provides the best cheap insurance and is the best option for senior and young adult drivers.
The best cheap auto insurance provider in San Antonio is Texas Farm Bureau, with minimum coverage insurance costing about $379 annually. The company earned a MoneyGeek score of 81 out of 100, and it also won for best overall insurance, best for young adults and best for seniors. Texas Farm Bureau ranked highly for both affordability and customer satisfaction, so policyholders don't need to sacrifice customer service to get cheap rates.
About Mark Fitzpatrick
Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
