BestCar InsuranceSan AntonioThe Best Car Insurance in San Antonio, TX, for 2023
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The Top Car Insurance Companies in Texas
Insurance Carrier
Avg. Estimated
Annual Premium
According to MoneyGeek’s data, State Farm is the overall best car insurance company in San Antonio. Keep in mind that the best provider for you depends on your age and driving history.
MoneyGeek also assessed the best providers for various types of drivers, including young and senior drivers, drivers with traffic infractions and those with military backgrounds. For drivers looking to save money on car premiums, MoneyGeek identified the cheapest car insurance providers in San Antonio.
BestCar InsuranceSan AntonioThe Best Car Insurance in San Antonio
Overall - State Farm
Minimum Coverage - State Farm
Young Drivers - GEICO
Senior Drivers - State Farm
Driving Violations - State Farm
Military - USAA
Best Car Insurance Companies in San Antonio: Overall
To determine the best car insurance provider in San Antonio, Texas, MoneyGeek ranked insurance companies based on average rates, claims ratings and user satisfaction. We found the following companies to be the best providers in San Antonio:
- State Farm: 94 out of 100
- Farmers: 93 out of 100
Although USAA has the highest overall MoneyGeek score in San Antonio (94 out of 100), we excluded it from our list because its policies are only available to former and current military personnel and their families.
The Top Car Insurance Companies in San Antonio
1
State FarmOverall
Score:94
State Farm scored high in terms of affordability and stability. Furthermore, the company provides rideshare insurance, a rare coverage for drivers who work for ridesharing companies. In San Antonio, the average State Farm full coverage insurance costs $941 per year.
More About State Farm
Drivers who work for rideshare companies can take advantage of State Farm's rare rideshare coverage. While you’re working for a ridesharing company, State Farm ensures that your personal auto policy's medical, emergency roadside assistance and rental car reimbursement remain in force.
Read MoneyGeek's State Farm auto Insurance Review2
Farmers
Score:93
Farmers scored high in terms of affordability. The average full coverage premium from Farmers costs $824 per year. Farmers offers several unique coverages, such as original equipment manufacturer (OEM) coverage, custom parts coverage and glass deductible modification.
More About Farmers
Farmers is one of the best car insurance providers and offers auto insurance in all 50 states. The provider’s glass deductible modification allows drivers to decrease their comprehensive deductible to $100 when a loss is limited to glass. Drivers may also choose a $0 deductible with full windshield and glass coverage. Meanwhile, you can add custom parts coverage to your comprehensive and collision coverage; it pays to repair or replace aftermarket items, such as infotainment systems and custom wheels.
Read MoneyGeek's Farmers auto Insurance ReviewRESOURCES ON CAR INSURANCE IN SAN ANTONIO, TEXAS
For drivers looking to save money on car insurance, MoneyGeek analyzed the cheapest car insurance companies in San Antonio. If you’d like more information on car insurance in Texas, MoneyGeek has resources to guide you.
Best Cheap Car Insurance for Minimum Coverage in San Antonio
In accordance with Texas law, Texas drivers need to carry minimum insurance coverage. MoneyGeek identified the following companies as the top-rated car insurance providers for minimum coverage in San Antonio.
- Farmers: 94 out of 100
- State Farm: 91 out of 100
We calculated these results by considering different driver backgrounds, including young and older drivers and those with violations.
MoneyGeek’s Pick: State Farm
pros
A minimum coverage policy costs $510 per year
MoneyGeek claims rating of 4 out of 5
MoneyGeek user satisfaction rating of 4 out of 5
Offers bundling, defensive driving and new vehicle discounts
cons
No pay-in-full and paperless discounts
COMPANY HIGHLIGHTS
In San Antonio, State Farm offers both common and rare discounts. The provider has bundling discounts for drivers who insure their home and car, as well as multiple-car discounts for drivers who insure more than one car.
In addition, State Farm offers a safe driver discount after you’re insured for three consecutive years without a violation.
Best Car Insurance for Young Drivers in San Antonio
To help young drivers determine the best auto insurance carrier in San Antonio, MoneyGeek ranked the top providers using teen and young driver profiles. According to our research, the best car insurance companies for teen and young drivers are:
- GEICO: 91 out of 100
- State Farm: 88 out of 100
MoneyGeek arrived at this score by blending different policy coverages and driving histories for 18-year-olds. Remember that auto insurance for teenage drivers and student drivers is usually more expensive due to their inexperience.
MoneyGeek’s Pick: GEICO
pros
A minimum coverage policy costs $1,292 per year
MoneyGeek claims rating of 4 out of 5
MoneyGeek user satisfaction rating of 4 out of 5
Offers good student and driver's education discounts
cons
Doesn’t offer distant student discounts
COMPANY HIGHLIGHTS
Auto insurance premiums for teenage drivers are often high; however, GEICO strikes a balance between affordability and quality service. Having a carrier with excellent customer service will come in handy when you need to file a claim.
GEICO provides good student discounts for families who have a full-time student or a student who has excelled academically and discounts for young drivers who have completed a driver's education course.
Young drivers will benefit from GEICO roadside assistance coverage, which covers flat tires, towing, jump starts and lockout services, as well as accident forgiveness coverage, which ensures that your insurance premium will not increase as a result of your first at-fault accident.
Best Car Insurance for Senior Drivers in San Antonio
MoneyGeek identified the following companies as the top-rated auto insurance providers for older drivers in San Antonio:
- State Farm: 95 out of 100
- Farmers: 90 out of 100
Seniors often pay more for car insurance than middle-aged drivers. MoneyGeek calculated the senior auto insurance scores using a combination of various policy coverages and driving backgrounds for 70-year-old drivers.
MoneyGeek’s Pick: State Farm
pros
A minimum coverage policy costs $908 per year
MoneyGeek claims rating of 4 out of 5
MoneyGeek user satisfaction rating of 4 out of 5
Offers defensive driving discounts
cons
Doesn’t offer senior driver’s discount
COMPANY HIGHLIGHTS
Many insurance companies charge senior drivers high premiums compared to middle-aged drivers. However, there is no difference between senior car insurance and car insurance for others. State Farm offers the best and most affordable insurance for older drivers.
Seniors who complete a defensive driving course are eligible for State Farm’s defensive driving discounts.
Although State Farm does not provide many of the most common coverages, seniors can benefit from the provider's roadside assistance coverage, which pays for mechanical labor for up to one hour at the breakdown location or towing to the nearest repair place. It also covers rental car and/or travel reimbursement expenses incurred while your car is repaired.
Best Car Insurance With a Driving Violation in San Antonio
MoneyGeek ranked the best car insurance companies in San Antonio based on profiles of drivers with an at-fault accident on their record. MoneyGeek analysis shows that the two top-rated auto insurance providers are:
- State Farm: 94 out of 100
- GEICO: 87 out of 100
MoneyGeek calculated these scores by combining various insurance coverages and drivers of various ages. Keep in mind that auto insurance is more costly for drivers with a bad driving history.
MoneyGeek’s Pick: State Farm
pros
A minimum coverage policy costs $1,132 per year
MoneyGeek claims ratings of 4 out of 5
MoneyGeek user satisfaction ratings of 4 out of 5
The provider offers many standard discounts
cons
This provider doesn’t offer any unique coverages
Doesn’t offer accident forgiveness coverage
COMPANY HIGHLIGHTS
Drivers with an accident or violation on their record in San Antonio might benefit from companies that provide exceptional service and desirable coverages at an affordable cost.
State Farm offers drivers several discount options, including bundling when you insure your home and car, multiple-car discounts and discounts for installing an anti-theft system in your vehicle.
Best Car Insurance With a Military Background in San Antonio
In most U.S. cities, including San Antonio, USAA consistently provides the best auto insurance to military personnel and their families. The company strikes a balance between affordability and excellent customer service. According to our ranking methodology, USAA received a MoneyGeek score of 94 out of 100. We obtained data based on different driver histories and coverage levels, including young and older drivers and those with infractions.
MoneyGeek’s Pick: USAA
pros
An affordable full coverage policy costs $887 per year for a 40-year-old driver
MoneyGeek claims rating of 5 out of 5
MoneyGeek user satisfaction rating of 5 out of 5
Offers five of the most common discounts: bundling, multiple-car, good student, safe driving and defensive driving
cons
Only offers three of the seven commonly available coverages.
Exclusive to military personnel, veterans and their family members
COMPANY HIGHLIGHTS
When it comes to affordability and excellent service, military drivers get the best of both worlds with USAA.
Roadside assistance, rental car and/or travel reimbursement and accident forgiveness are among the standard coverages USAA provides. However, it does not provide new car replacement, gap insurance, deductible modification or better car replacement coverages.
USAA provides several opportunities for military-affiliated drivers to save money on car insurance premiums. It offers five of the nine most common discounts, including bundling and multiple-car discounts. USAA also provides some unique discounts. For example, a driver under the age of 25 who was previously insured under their parent's USAA policy but is now buying their own insurance can get a legacy discount.
Methodology
MoneyGeek assessed the best insurers in San Antonio, Texas, by gathering estimates and data from relevant insurance companies. We used ratings from reputable organizations, including AM Best, J.D. Power and the National Association of Insurance Commissioners (NAIC).
Our aggregate MoneyGeek score is based on a five-point scale for each category and a 100-point scale for the total score. We altered the weightings for each category as follows:
- Affordability (70%): MoneyGeek compared the average rates charged by San Antonio-based insurers to determine the most affordable. The cheapest insurer in San Antonio received a perfect score.
- Customer and claims satisfaction (20%): MoneyGeek studied J.D. Power polls to determine customer satisfaction with each insurance company in terms of service and claims. We gave each sub-category a 10% weighting.
- Financial stability (10%): MoneyGeek used AM Best ratings to determine an insurance company's ability to meet its financial commitments despite economic fluctuations.
We applied a five-point scale to each category and a 100-point scale to the total score. We generated the affordability score by modifying many factors, including age, driving record and coverage levels, as needed to target specific driver profiles.
All prices, with the exception of the best affordable minimum coverage category, represent the average premiums for a full coverage policy with the following limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability.
- Comprehensive and collision coverage with a $1,000 deductible
More detail regarding our data gathering, comparison and rating processes can be found on MoneyGeek's car insurance methodology page.
About Mark Fitzpatrick
sources
- TDI. "Automobile Insurance Guide." Accessed May 11, 2022.
- Farmers. "About Us." Accessed May 11, 2022.