Best Car Insurance Companies in San Antonio, TX

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.

The best overall auto insurance providers in San Antonio are:

• Texas Farm Bureau: MoneyGeek score of 79 out of 100 ($810 per year)
• State Farm: MoneyGeek score of 76 out of 100 ($741 per year)

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.

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.

The following companies topped the list of the best auto insurance providers in San Antonio for customer service:

• Chubb: MoneyGeek score of 76 out of 100 ($1,619 per year)
• Foremost: MoneyGeek score of 67 out of 100 ($1,943 per year)

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.

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:

• Texas Farm Bureau: MoneyGeek score of 81 out of 100 ($379 per year)
• State Farm: MoneyGeek score of 78 out of 100 ($367 per year)

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.

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: MoneyGeek score of 80 out of 100 ($1,000 per year)
• State Farm: MoneyGeek score of 76 out of 100 ($951 per year)

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.

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: MoneyGeek score of 75 out of 100 ($2,392 per year)
• Foremost: MoneyGeek score of 75 out of 100 ($3,612 per year)

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.

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: MoneyGeek score of 81 out of 100 ($672 per year)
• State Farm: MoneyGeek score of 76 out of 100 ($673 per year)

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.

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:

• Foremost: MoneyGeek score of 75 out of 100 ($1,704 per year)
• State Farm: MoneyGeek score of 74 out of 100 ($1,347 per year)

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.

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:

• Allstate: MoneyGeek score of 73 out of 100 ($1,388 per year)
• Foremost: MoneyGeek score of 53 out of 100 ($1,968 per year)

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.

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.

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.