Updated: November 11, 2025
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State Farm offers the cheapest car insurance in San Antonio. GEICO, AAA, Mercury Insurance and Travelers also provide coverage in the city.
Car insurance in San Antonio costs an average of $924 per year for minimum coverage and $2,108 per year for full coverage.
State Farm also offers the cheapest car insurance in Texas at $497 per year for minimum coverage and $1,118 per year for full coverage.
Adult drivers with State Farm pay San Antonio's cheapest rates at $562 annually for minimum coverage. Young drivers with the same company pay $1,266 per year, 125% more than adults.
Senior drivers from State Farm pay $652 annually, 16% more than adults. Drivers with a DWI from State Farm pay $910 per year, 62% more than clean-record adults.
San Antonio's pricing patterns mirror other major Texas cities with State Farm dominating across categories.
| 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 |
State Farm leads with rates of $562 per year for minimum coverage and $1,295 per year for full coverage. GEICO and Mercury Insurance offer competitive rates at $807 and $849 annually for minimum coverage.
Competition keeps San Antonio rates reasonable compared to other large Texas cities.
| State Farm | $47 | $108 | -42% |
| AAA | $65 | $135 | -25% |
| Mercury | $66 | $150 | -20% |
| GEICO | $67 | $137 | -24% |
| Germania | $88 | $180 | -0% |
Young drivers pay $1,266 annually with State Farm for minimum coverage, the highest rate among age groups. Adult drivers get the best rates at $562 per year with State Farm, saving over 50% compared to young drivers.
Senior drivers from State Farm pay $652 annually, about 16% more than adults. State Farm's consistent leadership makes shopping easier for San Antonio drivers across all demographics.
| State Farm | $47 | $562 |
| AAA | $65 | $783 |
| Mercury Insurance | $66 | $788 |
| Geico | $67 | $807 |
| Allstate | $93 | $1,117 |
At-fault accidents result in moderate costs at $663 annually with State Farm. Speeding tickets produce lower penalties at $562 with State Farm, making State Farm particularly lenient for minor infractions. Â
DWIs result in the highest insurance costs at $910 per year with State Farm, a 62% increase. Maintaining a clean record saves you money. If you have violations, compare insurers to find the most forgiving rates.
San Antonio's violation penalties match Texas averages, making clean records valuable.
| State Farm | $55 | $663 |
| Germania Insurance | $89 | $1,069 |
| Farmers | $90 | $1,076 |
| Geico | $92 | $1,109 |
| AAA | $96 | $1,148 |
State Farm leads San Antonio with a MoneyGeek score of 95 out of 100. It offers competitive premiums across most driver categories with strong customer satisfaction.
Mercury offers competitive rates with a MoneyGeek score of 90 out of 100. It excels in claims processing and personalized support, which works well for San Antonio drivers wanting reliable coverage with responsive local service.
| 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 |
Strong customer service ratings
Multiple driver discounts available
Consistently affordable rates
Limited coverage options
Higher rates for drivers with bad credit
State Farm ranks as San Antonio's top car insurance provider, offering excellent value across multiple driver categories. It has the most affordable rates in the city for both minimum and full coverage policies. It excels in customer service, which makes the claims process straightforward for policyholders. State Farm offers the best rates for young drivers, seniors and those with accidents or DUIs on their record.
Quality claims handling
Good digital tools
Competitive rates
Membership required
Limited coverage selection
AAA earns the second spot among San Antonio insurers with its blend of reliable service and competitive pricing. It maintains strong customer satisfaction with user-friendly digital tools and efficient claims processing. AAA's rates run higher than State Farm's but stay below the city average. The main tradeoff is the required AAA membership, though many drivers find the additional benefits worthwhile.
Car insurance in San Antonio costs an average of $924 per year for minimum coverage and $2,108 per year for full coverage. These rates exceed the Texas state average of $807 for minimum coverage.
State Farm offers rates well below the city average at $562 for minimum coverage. San Antonio drivers should expect moderate to high premiums with solid opportunities to find affordable coverage through State Farm.
| Full Coverage | $176 | $2,108 |
| Minimum Coverage | $77 | $924 |
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.
| 78245 | $111 | $222 |
Finding affordable car insurance in San Antonio presents challenges, with local rates running higher than the national average and countless coverage options to sort through. Here's how to find the best rates for your needs.
Determine 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.
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.
Check 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.
Maximize savings with multiple car insurance discounts. Consider bundling multiple policies or getting multi-car discounts. Safe driver programs, defensive driving courses and good student discounts can reduce your premium.
Check 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.
Contact at least three different insurance companies for quotes. Use a mix of local agents, online tools and direct carrier websites.
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.
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.
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.
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.
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.
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.
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.
MoneyGeek analyzed auto insurance rates from the Texas Department of Insurance and Quadrant Information Services to find San Antonio's most affordable coverage. We collected hundreds of thousands of quotes across all city ZIP codes from 12 insurers operating in Texas.
San Antonio Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following characteristics:
We adjusted factors like age, driving record, credit score and military affiliation to find the best 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:
For a full coverage policy, we used the following coverage limits:
Our Best Company Rating Methodology
We rated all companies based on the following rating scale:
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
