bestauto insuranceSan AntonioCompare the Cheapest Car Insurance Quotes in San Antonio, TX
San Antonio drivers pay an average of $1,289 per year on car insurance, lower than the state average. Farmers have the cheapest average rate for typical drivers at $824. MoneyGeek’s study includes analysis of cheapest insurers by coverage amount and driving history. MoneyGeek also recommended the best companies in San Antonio for drivers who value affordability and quality service.
REVIEW AUTO INSURANCE RATES
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Advertising & Editorial DisclosureLast Updated: 11/3/2022
Written By |
Mark Fitzpatrick
At $824 and $426 per year, Farmers offers the cheapest full coverage and state minimum car insurance in San Antonio. State Farm is the most affordable option for drivers with speeding tickets at $941. USAA may be a good option for car insurance if you’re from a military family. Overall, GEICO is MoneyGeek’s top pick for insurance in San Antonio as it balances customer service and affordability.
bestauto insuranceSan AntonioThe Cheapest and Best Car Insurance in San Antonio
Cheapest Overall - Farmers
Cheapest State Minimum - Farmers
Cheapest With a Driving Violation - Farmers
Best Overall - GEICO
The Cheapest Car Insurance Companies in San Antonio
The cheapest car insurance companies for drivers in San Antonio are:
- Farmers: $824 per year
- State Farm: $941 per year
Current or former military members and their families may opt for coverage from USAA, the second cheapest auto insurance company in San Antonio, at $887 per year.
Farmers has the most affordable full coverage policy in the city. It’s $1,812 less than the most expensive policy offered by The General. Full coverage policies provide comprehensive and collision insurance, so your prices will vary depending on how much liability insurance you select.
Cheapest Car Insurance in San Antonio
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$824
- 2.$887
- 3.$941
- 4.$979
- 5.$1,078
MoneyGeek collected average rates for a 40-year-old male driver in San Antonio with a full coverage policy in accordance with our methodology.
Although full coverage auto insurance provides comprehensive and collision coverage, the premiums are substantially more expensive than minimum coverage. However, full coverage policies give you more protection in the event of an accident and help cover costs in case of any damage to your vehicle.
- Comprehensive Coverage: If your car gets damaged outside of an accident, this coverage pays for your repairs.
- Collision Coverage: This coverage pays for the damage to your vehicle if you’re at fault in an accident.
If you have an older vehicle, full coverage car insurance may cost more than your car's repair or replacement value. To get the cheapest rates possible, San Antonio drivers with older cars may opt for liability-only insurance or a policy that follows state minimum requirements.
Compare Car Insurance Rates in San Antonio
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in San Antonio for Minimum Coverage
Purchasing minimum insurance as per state requirements is the cheapest option in San Antonio. The cheapest car insurance in the city for minimum coverage is provided by:
- Farmers: $426 per year
- State Farm: $510 per year
Current and former military members and their families can buy insurance through USAA, which for state minimum liability-only is an affordable option at about $434 per year.
In San Antonio, the most affordable policy offered by Farmers is $794 cheaper than the one issued by The General, which is the most expensive in the city.
Minimum coverage is the cheapest option but doesn’t include comprehensive and collision insurance; it also has low levels of liability coverage. All of this puts you at risk of not being completely covered in the event of an accident.
You can check the table below to know how much it costs to have higher liability coverage.
Cheapest Minimum Liability Car Insurance in San Antonio
State Minimum
- CompanyState Minimumper year
- 1.$426
- 2.$434
- 3.$510
- 4.$550
- 5.$560
A policy that meets the state’s minimum requirements is the cheapest option in San Antonio, but it also offers the least protection. Although your monthly premiums will be much less, you may end up paying considerably more out of pocket after an accident.
For example, if the other driver has to pay $60,000 in medical bills due to an accident in which you’re at fault, the insurer will only cover $30,000. You will have to pay the balance of $30,000 out of pocket.
Texas Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$30,000 per person, $60,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.
Cheapest Car Insurance in San Antonio if You Have Driving Violations
Any driving violations such as DUIs, speeding tickets and at-fault accidents against your name will increase the cost of your insurance.
The best insurers for drivers with violations in San Antonio are:
- Cheapest after a ticket: State Farm, $941 per year
- Cheapest after an at-fault accident: State Farm, $1,132 per year
- Cheapest after a DUI: Esurance, $1,142 per year
If you have a poor driving record in San Antonio, you may get cheaper insurance by improving your record over time. Meanwhile, it’s a good idea to look around for the best cheap car insurance options for drivers with bad records.
Cheapest Car Insurance in San Antonio With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$941
- 2.$997
- 3.$1,082
- 4.$1,135
- 5.$1,142
Average Cost of Car Insurance in San Antonio
San Antonio$1,289
Texas$1,316
U.S.$1,424
In San Antonio, the average annual cost of car insurance is $1,289, which is lower than both the state and national average cost of car insurance. Drivers in San Antonio pay about 2% less than the average annual cost of car insurance in Texas, and 9.5% less than the national average.
Personalized Quotes to Get You the Cheapest Car Insurance in San Antonio
When determining car insurance quotes in San Antonio, auto insurance companies rely on several factors to assess the risk associated with the driver. These factors include age, gender, make and model of the vehicle, coverage level and ZIP code, among others. For example, in San Antonio, a GEICO policy for an 18-year-old driver is more than twice as expensive as a policy for a 40-year-old driver. Regularly getting a personalized quote can help you find affordable coverage as your circumstances change.
Compare Car Insurance Rates in San Antonio
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in San Antonio
MoneyGeek graded the best insurance options for drivers in San Antonio that balance affordability and service. The companies with the highest scores are:
- GEICO: MoneyGeek score of 85 out of 100
- State Farm: MoneyGeek score of 85 out of 100
The best option for current and former military members and their families is USAA, which scored highest on MoneyGeek’s rating system.
MoneyGeek ranked these car insurance companies using several factors, including insurer financial stability, customer satisfaction and affordability. We used multiple resources to perform this study, including findings by data analytics and consumer intelligence company J. D. Power.
1
State Farm
Score:94
2
Farmers
Score:93
3
GEICO
Score:87
4
AAA
Score:81
5
Allstate
Score:77
6
Nationwide
Score:73
7
Mercury
Score:57
8
Esurance
Score:57
9
MetLife
Score:42
10
The General
Score:0
Average Cost of Car Insurance by Postal Code
Where you live in Texas can play a big role in how much your car insurance will cost, and that’s certainly true in San Antonio. For instance, those living in the city’s most affordable neighborhood for car insurance — ZIP code 78223 — will pay $116 less in annual premiums than drivers living in the 78240 neighborhood, the city’s most expensive ZIP code for auto coverage.
- Zip CodeState Minimumper year
- 78223$1,231
- 78247$1,241
- 78249$1,276
- 78251$1,290
- 78245$1,292
Factors That Impact Insurance Costs in San Antonio
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in San Antonio. How San Antonio ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
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