State Farm offers the lowest car insurance rates in San Antonio, with average annual premiums of $562 for minimum coverage and $1,295 for full coverage. AAA, Mercury and GEICO also provide affordable coverage options in the city.
Car Insurance in San Antonio
Updated: August 13, 2025
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Key Takeaways
San Antonio's cheapest car insurance companies are State Farm, AAA and GEICO, with savings up to 42% compared to the city average.
Monthly car insurance costs in San Antonio average $176 for full coverage and $77 for minimum coverage.
To get the best cheap auto insurance in San Antonio, decide on coverage beforehand and compare quotes from multiple sources.
Who Has the Cheapest Car Insurance in San Antonio?
| State Farm | $47 | $108 | -42% |
| AAA | $65 | $135 | -25% |
| GEICO | $67 | $137 | -24% |
| Mercury | $66 | $150 | -20% |
| Germania | $88 | $180 | -0% |
Cheapest San Antonio Car Insurance by Category
State Farm ranks as the cheapest option for eight driver categories in San Antonio. GEICO offers the most affordable rates for drivers with bad credit.
| Young Drivers | State Farm | $106 |
| Adult Drivers | State Farm | $47 |
| Senior Drivers | State Farm | $54 |
| Drivers With an Accident | State Farm | $55 |
| Drivers With a DUI | State Farm | $76 |
| Drivers With a Speeding Ticket | State Farm | $47 |
| Drivers With Bad Credit | GEICO | $97 |
| Drivers With Newer Cars | State Farm | $65 |
| Drivers With Old Cars | State Farm | $43 |
Compare the Cheapest San Antonio Car Insurance for You
Your driving history and personal details shape what you'll pay for car insurance. Check the table below to find insurers offering the best rates for your specific driver profile.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| State Farm | $47 | $562 | -41% |
| AAA | $65 | $783 | -18% |
| GEICO | $67 | $807 | -16% |
| Allstate | $93 | $1,117 | 16% |
| Farmers | $85 | $1,023 | 6% |
Best Car Insurance Companies in San Antonio
San Antonio's top car insurance companies are State Farm, AAA, Mercury, GEICO and Progressive. These insurers stand out for offering competitive rates, reliable customer service and comprehensive coverage options.
| State Farm | 95 | 1 | 3 | 6 |
| AAA | 90 | 2 | 4 | 6 |
| Mercury | 90 | 4 | 5 | 4 |
| GEICO | 89 | 3 | 6 | 6 |
| Progressive | 87 | 6 | 2 | 2 |
State Farm: Best Value Overall
pros
Strong customer service ratings
Multiple driver discounts available
Consistently affordable rates
cons
Limited coverage options
Higher rates for drivers with bad credit
COMPANY HIGHLIGHTS
State Farm ranks as San Antonio's top car insurance provider, offering excellent value across multiple driver categories. The company stands out for having the most affordable rates in the city for both minimum and full coverage policies. State Farm shows particular strength in customer service, making the claims process straightforward for policyholders. The company offers the best rates for young drivers, seniors, and even those with accidents or DUIs on their record.
AAA: Best for Customer Service
pros
Quality claims handling
Good digital tools
Competitive rates
cons
Membership required
Limited coverage selection
COMPANY HIGHLIGHTS
AAA earns the second spot among San Antonio insurers with its blend of reliable service and competitive pricing. The company maintains strong customer satisfaction ratings, backed by user-friendly digital tools and efficient claims processing. While AAA's rates are higher than State Farm's, they remain below the city average. The main consideration is the required AAA membership, though many drivers find the additional benefits worthwhile.
How Much Is Car Insurance in San Antonio?
In San Antonio, minimum coverage costs about $77 per month or $924 per year, ranking 1,405th out of all Texas cities for affordability. Full coverage averages $176 monthly or $2,108 annually, ranking 1,416th among Texas cities.
| Full Coverage | $176 | $2,108 |
| Minimum Coverage | $77 | $924 |
San Antonio Car Insurance Cost by Category
In San Antonio, monthly car insurance costs range from $70 to $402 based on your driver profile. Check the table below to see rates for your category.
| Young Drivers | $179 | $381 |
| Adult Drivers | $77 | $176 |
| Senior Drivers | $100 | $206 |
| Drivers With an Accident | $108 | $243 |
| Drivers With a DUI | $121 | $258 |
| Drivers With a Speeding Ticket | $91 | $209 |
| Drivers With Bad Credit | $172 | $402 |
| Drivers With Newer Cars | $94 | $217 |
| Drivers With Old Cars | $70 | $159 |
San Antonio Car Insurance Costs by ZIP Code
In San Antonio, car insurance rates by ZIP code range from $66 to $222 per month. ZIP code 78245 is the most expensive, while 78266 is the cheapest. Check the average rates for your ZIP code on the table below.
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ZIP Code:78245
| 78245 | $111 | $222 |
Compare Personalized San Antonio Car Insurance Costs
Since your profile may combine several rate factors, use the table below to filter San Antonio car insurance rates by age, driving record and other personal characteristics.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
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Gender:Male
Select
Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| $80 | $966 | 19% |
How to Get the Best Cheap San Antonio Car Insurance
Finding affordable car insurance in San Antonio can feel overwhelming, with local rates running higher than the national average and countless coverage options to sort through. Our step-by-step guide will help you navigate these challenges and secure the best rates for your needs.
- 1
Calculate your coverage requirements
Start by determining how much coverage you need based on your vehicle's value and your financial situation. Use our car insurance coverage needs calculator to get a personalized recommendation. Consider your assets, driving habits and San Antonio's minimum insurance requirements.
- 2
Explore alternative insurance options
Different types of car insurance can save you money. If you drive infrequently, consider pay-per-mile coverage. Don't own a car? Look into non-owner insurance. These alternatives often cost less than traditional policies.
- 3
Know the average costs
Research average vehicle insurance costs in San Antonio to set realistic expectations. Understanding typical rates for your age group, vehicle type and location helps you recognize good deals and avoid overpaying.
- 4
Stack your available discounts
Maximize savings through multiple car insurance discount opportunities. Consider bundling multiple policies or getting multi-car discounts. Safe driver programs, defensive driving courses and good student discounts can reduce your premium.
- 5
Check company ratings and reviews
Research insurance providers' financial strength and customer satisfaction ratings. Look for companies with strong records in claim handling and customer service in Texas. Read recent reviews from San Antonio customers.
- 6
Get quotes from multiple providers
Contact at least three different insurance companies for quotes. Use a mix of local agents, online tools and direct carrier websites. This helps you find competitive rates and understand all available options.
- 7
Review your policy annually
Set a yearly reminder to review your coverage and shop for better rates. Life changes like moving within San Antonio, buying a new car, or improving your credit score can qualify you for lower premiums. Regular reviews help ensure you maintain the best rates.
Cheapest Car Insurance in San Antonio: Bottom Line
Car insurance rates depend on your driving record, credit and vehicle type. In San Antonio, State Farm and AAA offer the lowest average premiums, but compare quotes from multiple providers to find your best rate.
Cheap San Antonio Car Insurance: FAQ
Our research team analyzed San Antonio car insurance rates to help you find affordable coverage that fits your needs. Here are straightforward answers to common questions about saving money on your policy.
What is the cheapest car insurance company in San Antonio, Texas?
State Farm offers the lowest rates in San Antonio, with average annual premiums of $562 for minimum coverage and $1,295 for full coverage. Rates vary by individual factors, so compare quotes.
Who offers the best car insurance in San Antonio?
State Farm leads San Antonio's car insurance providers with a MoneyGeek score of 95 out of 100, scoring 5 points higher than AAA. The company excels in both affordability and customer service quality.
What is the average cost of car insurance in San Antonio?
San Antonio drivers pay $2,108 for full coverage and $924 for minimum coverage car insurance annually. Your actual rates will vary based on individual factors.
Is car insurance in San Antonio expensive?
Car insurance in San Antonio costs more than average, ranking 1,405th for minimum coverage affordability and 1,416th for full coverage compared to other Texas cities.
How We Chose the Best and Cheapest Car Insurance in San Antonio, TX
To help San Antonio drivers find the most affordable auto insurance companies, MoneyGeek analyzed auto insurance rates based on data and information from the Texas Department of Insurance and Quadrant Information Services. We studied all ZIP codes in the city and hundreds of thousands of quotes for 12 companies offering auto insurance in Texas to tailor options as closely as possible to you.
San Antonio Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted certain factors, such as age, driving record, credit score and military affiliation, to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in San Antonio
MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.
The minimum coverage requirements in Texas are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies based on the following rating scale:
- Affordability (60% of score): To get this score, we evaluated quotes for various common driver profiles and compared rates to the competition within the city.
- Customer experience (30% of score): We used sources such as agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences across the board.
- Coverage options (10% of score): This score considers the number of coverage options a provider offers and the uniqueness of the offering and benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.