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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.

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The Best Cheap Car Insurance Companies in San Antonio

In San Antonio, the most affordable car insurance company on average is Farmers. In fact, coverage with Farmers is less than one-third as expensive as similar coverage with The General, the city’s most expensive car insurance company.

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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.

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Cheapest Car Insurance in San Antonio by Coverage Amount

How much car insurance coverage you purchase in San Antonio also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.

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Texas Minimum Liability Requirements

  • Item
    Description
  • 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.

Many insurance plans are written to express the limits for each type and level of coverage. In San Antonio, Farmers offers both liability and full-coverage plans at 50/100/50 limits, which cover $50,000 worth of medical bills per person — totaling $100,000 per vehicle — along with $50,000 worth of property damage repair. Farmers’ full-coverage policy, which also covers your expenses in the event of an accident, costs $321 more on average than a liability-only policy, which could be a worthwhile expense for some drivers.

Average Car Insurance Premiums by Coverage Type

Liability Only
Full Coverage
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Cheapest Car Insurance in San Antonio if You Have Tickets

One of the penalties of having a speeding ticket or other moving violation on your driving record is higher insurance rates. For instance, in San Antonio, Farmers policyholders with a speeding ticket on their record will pay $259 more per year for their car insurance than drivers with a clean record. Drivers with a DUI on their record will pay $387 more annually for Farmers coverage than drivers with a clean record.

  • Company
    Speeding Ticketper year
    At-Fault Accidentper year
    DUIper year
  • $1,082
    $1,167
    $1,210
  • $941
    $1,132
    $1,574
  • 3. USAA
    $997
    $1,393
    $1,315
  • $1,149
    $1,372
    $1,696
  • 5. AAA
    $1,405
    $1,552
    $1,633
  • $1,135
    $1,715
    $1,793
  • $1,142
    $2,534
    $1,142
  • $1,424
    $1,772
    $2,127
  • $1,800
    $2,336
    $1,834
  • $1,506
    $3,186
    $3,562
  • 11. The General
    $2,636
    $3,309
    $2,928

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 Code
    State Minimumper year
  • 78223
    $1,231
  • 78247
    $1,241
  • 78249
    $1,276
  • 78251
    $1,290
  • 78245
    $1,292
  • 78250
    $1,309
  • 78228
    $1,330
  • 78240
    $1,347

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.

accident2 icon
Most Accidents With Fatalities87th/300
handcuffs2 icon
Most Car Thefts161st/300
uninsured icon
Most Uninsured Motorists by State16th/50
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Personal Injury Protection RequiredNo
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Most Annual Rainfall182nd/300
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Most Rainy Days189th/300

Shopping around for car insurance in San Antonio could save you $466, which is enough to buy:


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155Cups of Coffee
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36Months of Your Favorite Streaming Service

Methodology and Assumptions

MoneyGeek’s average premium rates for San Antonio are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

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.

Insurance Rates

About the Author


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers include mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.