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.
Compare the Cheapest Car Insurance Quotes in San Antonio, TX
The Cheapest and Best Car Insurance in San Antonio
The Cheapest Car Insurance Companies in San Antonio
The most affordable companies for San Antonio drivers with a full coverage policy are:
- Farmers: $824 per year
- USAA: $887 per year (only available to current and former military members)
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.
MoneyGeek gathered prices from insurance carriers using a sample driver profile, a 40-year-old male driver with a full coverage policy that includes liability insurance and comprehensive and collision insurance.
Average Cost of Car Insurance in San Antonio
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.
The Best Car Insurance Companies in San Antonio
MoneyGeek ranked the best carriers in San Antonio for drivers looking for a balance of affordability and quality 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
USAA received the highest score in San Antonio by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
The final scores, which are out of 100, are calculated based on MoneyGeek’s rating system. It includes J.D. Power user satisfaction, affordability and financial stability.
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.
Shopping around for car insurance in San Antonio could save you $466, which is enough to buy:
Cheapest Car Insurance in San Antonio by Coverage Amount
One of the biggest factors affecting the cost of auto insurance in San Antonio and elsewhere is the coverage level. A policy that only meets the state minimum costs an average of $658 per year in San Antonio. Meanwhile, the average annual rate for a full coverage policy with higher liability limits is $631 more expensive at an average of $1,289.
Texas Minimum Liability Requirements
- 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: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
Cheapest Car Insurance in San Antonio if You Have Driving Violations
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.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
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
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.
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.
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