Updated: December 10, 2025
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State Farm charges San Antonio's most affordable full coverage at $108 monthly, while also providing the cheapest minimum coverage at $47 per month or $562 annually. These premiums apply to drivers with clean records.
Age and driving history play major roles in determining which provider gives you the lowest premium, so requesting quotes from multiple carriers helps you find your best available rate.
| State Farm | $108 | $47 | -42% |
| AAA | $135 | $65 | -25% |
| Mercury Insurance | $150 | $66 | -20% |
| Geico | $137 | $67 | -24% |
| Germania Insurance | $180 | $88 | -0% |
San Antonio drivers pay $77 per month for minimum coverage and $176 for full coverage, which is higher than Texas’ statewide averages of $61 and $139.
Premiums trend higher in the city because of heavier traffic, more frequent accidents and elevated vehicle theft. Compare quotes from multiple insurers to find the most competitive rates available.
| $176 | $139 |
Read More: The cheapest car insurance in Texas
San Antonio's young drivers pay high insurance costs, averaging $304 monthly across the top five providers compared to $140 for adults and $171 for seniors. These higher premiums reflect insurers' concerns about inexperience and elevated accident rates among drivers under 25.
Cheapest San Antonio car insurance by age:
Once drivers establish experience, age matters less for pricing. The modest difference between adult and senior rates shows insurers view experienced drivers similarly whether they're 40 or 70 years old.
Young drivers in San Antonio encounter high insurance costs, with rates averaging $304 monthly compared to just $140 for adults across the city's top insurers. State Farm provides the most affordable option at $239 per month or $2,874 annually for full coverage.
Insurers charge these high premiums because drivers ages 16 to 25 lack experience behind the wheel, get into more accidents and accumulate traffic violations at higher rates than any other age group.
Compare quotes to see real savings. Young San Antonio drivers can save $149 each month by choosing State Farm over Allstate at $388 monthly. Adding young drivers to family policies costs less than getting separate coverage, but expect rates to stay high until age 25.
Note: Teen drivers must meet state licensing requirements and may need parental consent for insurance policies.
| State Farm | $239 | $2,874 |
| Geico | $247 | $2,968 |
| AAA | $306 | $3,671 |
| Germania Insurance | $341 | $4,088 |
| Allstate | $388 | $4,659 |
San Antonio's senior drivers maintain clean records after decades behind the wheel, helping them get competitive rates like State Farm's $120 monthly or $1,445 annually for full coverage. While most insurers reward this experience, some bump rates slightly for drivers over 70 due to reaction time concerns.
Across the city's five cheapest options, seniors average $171 monthly, just $31 above the $140 that younger adults pay, showing insurers view experienced drivers favorably.
By choosing State Farm over Progressive at $211 monthly, San Antonio seniors pocket $91 in monthly savings. Additional discounts await seniors who complete defensive driving courses or keep their annual mileage under 7,500 miles.
| State Farm | $120 | $1,445 |
| Geico | $163 | $1,952 |
| AAA | $175 | $2,096 |
| Germania Insurance | $187 | $2,240 |
| Progressive | $211 | $2,531 |
Adult drivers between ages 26 and 64 get San Antonio's most competitive insurance rates because they blend years of driving experience with statistically lower accident involvement than younger and older drivers. State Farm delivers the lowest premiums at $108 monthly or $1,295 annually for full coverage. Across San Antonio's five cheapest insurers, adults average $140 monthly, the lowest of any age category.
Choosing State Farm over Progressive at $172 monthly puts $64 back in San Antonio adults' pockets each month. Clean driving records, policy bundling and good driver discounts create additional opportunities to lower premiums.
| State Farm | $108 | $1,295 |
| AAA | $135 | $1,625 |
| Geico | $137 | $1,648 |
| Mercury Insurance | $150 | $1,797 |
| Progressive | $172 | $2,061 |
Driving violations increase insurance costs in San Antonio. State Farm leads with the most affordable rates across all categories, charging $47 monthly for minimum liability coverage with clean records and maintaining that same $47 rate for drivers with speeding tickets, while jumping to $76 monthly for those with DUIs.
Average monthly costs across the city's five cheapest insurers climb from $68 for clean records to $78 for speeding violations, $84 for at-fault accidents and $96 for DUI convictions. At-fault accidents push premiums higher because you've demonstrated actual property damage or injury risk to insurers.
DUIs create the largest rate increases since they combine dangerous behavior with serious legal consequences, placing you in the highest-risk category and often requiring SR-22 filing. Speeding tickets generate smaller bumps because they signal risky driving without proving you've caused crashes.
| State Farm | $76 | $910 |
| Mercury Insurance | $89 | $1,066 |
| Farmers | $97 | $1,159 |
| AAA | $102 | $1,220 |
| Progressive | $116 | $1,388 |
The cheapest ZIP code in San Antonio is 78266 at just $66 monthly, while the most expensive is 78245 at $222, showing how much location affects your car insurance costs. See your ZIP code's rate in the table below.
For San Antonio's most populated areas, drivers in ZIP codes 78228, 78240 and 78209 pay $180, $177 and $167 monthly for minimum coverage. These rate differences come from neighborhood factors like accident frequency, vehicle theft rates, population density and uninsured driver percentages.
Use the filter above the table to locate your ZIP and check your area's typical rate.
| 78201 | $76 | $178 |
Smart San Antonio drivers know you can find competitive rates without sacrificing proper coverage.
Try our car insurance coverage needs calculator for customized advice. This tool analyzes your specific situation and recommends appropriate coverage levels based on your assets, driving habits and financial situation.
Familiarize yourself with types of car insurance options in San Antonio. Consider pay-per-mile if you drive infrequently or non-owner coverage if you occasionally borrow cars.
Look up average vehicle insurance costs for your specific San Antonio neighborhood. Rates vary by ZIP code due to factors like crime rates, traffic density and local accident statistics.
Explore every savings option insurers offer through available car insurance discount programs. Consider bundling multiple policies or getting multi-car discounts. You can save with safe driver, student and anti-theft discounts.
Review company ratings and customer feedback for San Antonio insurers. Check financial strength ratings from agencies like AM Best and customer satisfaction scores from J.D. Power to ensure you're choosing a reliable provider.
Request quotes from multiple carriers, at least three different companies. Prices differ between insurers for identical coverage, so comparing quotes helps you find the most competitive rate for your specific profile.
Schedule an annual policy review to stay competitive with current market rates. Your circumstances change over time, and new discounts may become available as insurers adjust their pricing and offerings regularly.
Want to find affordable coverage in San Antonio? This FAQ answers your questions about available discounts, state regulations and coverage types that fit your budget and protection needs.
State Farm leads San Antonio drivers with the most affordable minimum coverage at about $564 annually and offers full coverage at approximately $1,296 annually. Your personal factors like driving record and credit score have a major impact on your rates, so shop around with multiple companies.
State Farm ranks first among San Antonio's car insurance providers, achieving a MoneyGeek score of 95 out of 100 and outpacing AAA by five points. The company performs well in both affordability and customer experience for drivers.
Car insurance costs about $564 annually for minimum coverage and $2,112 for full coverage in San Antonio. Your actual premiums depend on your personal details like driving record and credit score.
Yes, San Antonio car insurance costs are high, with the city ranking 1416th for full coverage and 1405th for minimum coverage affordability among Texas cities.
San Antonio drivers pay some of Texas's highest car insurance rates, with premiums varying across the city's ZIP codes. We designed our research to find insurers offering the best rates for San Antonio's unique urban driving conditions. Read more on MoneyGeek's auto insurance analysis methodology.
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.
