Cheapest Car Insurance Companies in San Antonio, TX (2024 Rates)


Enter your ZIP code to get started

Shield

Free. Simple. Secure.

fact checked icon

Updated: May 20, 2024

Advertising & Editorial Disclosure

Your driver profile determines which insurer is the most cost-effective. State Farm is the cheapest for full coverage, minimum coverage, drivers with tickets or accidents, female teens, military members, young drivers and sports car drivers. Mercury is the most affordable for those with a DWI, Nationwide for male teens, Texas Farm Bureau for seniors and Allstate for those with bad credit.

MoneyGeek also examined the top auto insurance in San Antonio for cost and customer service.

MoneyGeek Logo IconCheapestCar InsuranceSan Antonio
2024

Cheapest Car Insurance in San Antonio, TX

Why Trust MoneyGeek? The vehicle insurance prices for San Antonio are generated from MoneyGeek's study of data and information from the Texas Department of Insurance and Quadrant Information Services.

328,384Quotes Analyzed
 
14Companies Compared

Cheapest Minimum Coverage Car Insurance in San Antonio

Drivers in San Antonio can get the cheapest minimum coverage insurance from:

  • State Farm: $367 per year
  • Texas Farm Bureau: $379 per year

The most expensive auto insurance is from Dairyland, with an annual premium of $1,220. For a minimum coverage policy, Texas Farm Bureau has the cheapest auto insurance in Texas, costing around $339. This difference between the city and state costs illustrates how location impacts premiums.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
State FarmAnnual Premium$367Monthly Premium$31
Texas Farm BureauAnnual Premium$379Monthly Premium$32
AllstateAnnual Premium$404Monthly Premium$34
MercuryAnnual Premium$434Monthly Premium$36
AAA TexasAnnual Premium$522Monthly Premium$44
NationwideAnnual Premium$552Monthly Premium$46
ProgressiveAnnual Premium$594Monthly Premium$49
GEICOAnnual Premium$607Monthly Premium$51
Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

In accordance with Texas law, minimum coverage auto insurance covers bodily injury liability per person and accident and property damage liability per accident at the following limits:

  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

A car insurance policy in Texas also includes uninsured/underinsured motorist (UI/UIM) coverage and personal injury protection (PIP) unless you reject one or both of the coverages in writing.

Liability coverage helps drivers who cause an accident to pay for damages the other driver(s) and their passengers suffer. With only the minimum required amount of $30,000 bodily injury per person in Texas, at-fault drivers could find themselves liable for a large amount of money. That's because if the cost of injury to any one person exceeds $30,000, you’ll pay the extra out of pocket.

Cheapest Full Coverage Car Insurance in San Antonio

Drivers looking for the cheapest full coverage insurance in San Antonio can consider:

  • State Farm: $741 per year
  • Texas Farm Bureau: $810 per year

Dairyland offers the most expensive rates, with an annual rate of $2,218. Texas Farm Bureau offers the lowest full coverage car insurance rates in Texas. At $760 per year, it is cheaper than San Antonio’s cost.

Rates are influenced by factors such as location, which may indicate that insurers see more risk when it comes to insuring San Antonio-based drivers.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
State FarmAnnual Premium$741Monthly Premium$62
Texas Farm BureauAnnual Premium$810Monthly Premium$68
AllstateAnnual Premium$882Monthly Premium$73
MercuryAnnual Premium$916Monthly Premium$76
AAA TexasAnnual Premium$1,028Monthly Premium$86
NationwideAnnual Premium$1,083Monthly Premium$90
GEICOAnnual Premium$1,084Monthly Premium$90
ChubbAnnual Premium$1,456Monthly Premium$121

A full coverage policy includes comprehensive and collision insurance.

  • Collision insurance: If you strike another vehicle or an object such as a tree, fence or light pole, collision insurance will cover the cost of repair or replacement of your vehicle.
  • Comprehensive insurance: In the event that your car is damaged or destroyed as a result of something other than an at-fault accident, comprehensive insurance can help with the cost of repair or replacement. This includes coverage for theft, vandalism, fires and severe weather events like flooding.

For older automobiles, these optional coverages may not be worthwhile because of the vehicle’s lower value.

Loading...
    coins2 icon

    Compare

    Compare minimum and full coverage policies.

    find icon

    Find the best option

    Get matched with an insurer in San Antonio.

    financialPlanning icon

    Discover savings

    Cheaper insurers could pocket you hundreds of dollars per year.

Cheapest Car Insurance in San Antonio After a Driving Offense

Drivers with offenses may find the most affordable auto insurance rates from:

  • Speeding ticket: State Farm ($741 per year)
  • At-fault accident: State Farm ($919 per year)
  • DWI: Mercury ($1,264 per year)

The most expensive car insurance companies for those with driving offenses include:

  • Speeding ticket: Dairyland ($2,727 per year)
  • At-fault accident: Foremost ($3,482 per year)
  • DWI: Chubb ($2,852 per year)

Rates for these types of driver profiles are at a higher price point. Insurers see more risk in people with recorded violations, causing them to charge more, typically for a minimum of three years after the infraction occurred, even for the cheapest insurers.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
State FarmAnnual Premium$741Monthly Premium$62
Texas Farm BureauAnnual Premium$810Monthly Premium$68
AllstateAnnual Premium$882Monthly Premium$73
NationwideAnnual Premium$1,262Monthly Premium$105
GEICOAnnual Premium$1,264Monthly Premium$105
MercuryAnnual Premium$1,333Monthly Premium$111
AAA TexasAnnual Premium$1,350Monthly Premium$112
ChubbAnnual Premium$1,573Monthly Premium$131

One of the best ways to get the cheapest car insurance for a bad record is by shopping around. The rates can be based on the severity of the offense, with more significant offenses costing more.

In San Antonio, rates for a driver with a speeding ticket increase by around $246 annually, while drivers with a DWI may see rates up to $560 higher.

Cheapest Car Insurance in San Antonio for Teens and Their Families

The cheapest car insurance companies for teens on a family policy in San Antonio are:

  • Nationwide: $1,980 per year for female teens; $2,275 per year for male teens
  • State Farm: $1,983 per year for female teens; $2,392 per year for male teens

Allstate offers the most expensive premium in this category at $7,261 per year for male teens and $6,162 for female teens. As seen from the $409 price difference with State Farm, drivers in this category may notice a difference in rates according to their gender. This is because males are seen as riskier to insure, but this difference goes away in early adulthood.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
NationwideFamily Plan Annual Premium$1,980Individual Plan Monthly Premium$6,947
State FarmFamily Plan Annual Premium$1,983Individual Plan Monthly Premium$8,838
GEICOFamily Plan Annual Premium$2,883Individual Plan Monthly Premium$8,606
ForemostFamily Plan Annual Premium$3,444Individual Plan Monthly Premium$14,978
ProgressiveFamily Plan Annual Premium$3,837Individual Plan Monthly Premium$17,174
AllstateFamily Plan Annual Premium$6,162Individual Plan Monthly Premium$11,353

Car insurance rates for teens are significantly higher if they purchase insurance on their own, and in most cases, they must have a parent or guardian co-sign the policy if they are under 18. One way to cut costs and find cheap car insurance for teenagers is to bundle their insurance into a family plan.

For male teen drivers in San Antonio, teens who are added to their parent’s policy could save $3,267 annually vs. getting their own coverage.

Cheapest Car Insurance in San Antonio for Military Drivers

Active-duty or veteran military families in San Antonio can find the cheapest insurance from these providers:

  • State Farm: $741 per year
  • Texas Farm Bureau: $810 per year

USAA is also a great choice for drivers in this category, with a premium of $910. It may not provide the lowest rates, but this provider offers insurance options designed for drivers with a military background.

Opting for minimum coverage is also a great way to get cheap coverage for military drivers. The cheapest minimum coverage insurance is from State Farm at $367 and Texas Farm Bureau at $379.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
State FarmAnnual Premium$741Monthly Premium$62
Texas Farm BureauAnnual Premium$810Monthly Premium$68
AllstateAnnual Premium$882Monthly Premium$73
USAAAnnual Premium$910Monthly Premium$76
MercuryAnnual Premium$916Monthly Premium$76
AAA TexasAnnual Premium$1,028Monthly Premium$86
NationwideAnnual Premium$1,083Monthly Premium$90
GEICOAnnual Premium$1,084Monthly Premium$90

How to Compare Cheap San Antonio Car Insurance Quotes Online

Getting an online car insurance quote in San Antonio can be time-consuming and require a lot of personal information. However, MoneyGeek’s calculator can help make the process straightforward and steer you in the right direction fast. With just a few key pieces of information like your age, vehicle type, coverage level and driving record, you can get an estimate that will help you compare rates from other providers.

Car Insurance Calculator

MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

High
Average
Low

Rates updated:

Jul 12, 2024

Shield Insurance
Why You Can Trust MoneyGeek

Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.

Cheapest Car Insurance in San Antonio for Young Adults

The following auto insurance providers in San Antonio offer the cheapest car insurance for young adults:

  • State Farm: $951 per year
  • Texas Farm Bureau: $1,000 per year

Dairyland claims the most expensive spot at around $2,716 per year. Twenty-five-year-olds are usually charged a higher rate than older age groups because insurers are under the impression that young drivers are inexperienced and more prone to risky behavior like speeding, driving drunk or texting while driving. The average cost of full coverage car insurance in San Antonio for 40-year-olds is $1,220 per year. For 25-year-olds, it’s around $1,579 per year.

Data filtered by:Results filtered by:
Age Group:
Age Group:22-29
Coverage:
Coverage:Full Coverage
State FarmAnnual Premium$951Monthly Premium$79
Texas Farm BureauAnnual Premium$1,000Monthly Premium$83
AllstateAnnual Premium$1,181Monthly Premium$98
MercuryAnnual Premium$1,256Monthly Premium$105
GEICOAnnual Premium$1,271Monthly Premium$106
NationwideAnnual Premium$1,307Monthly Premium$109
AAA TexasAnnual Premium$1,342Monthly Premium$112
ProgressiveAnnual Premium$1,836Monthly Premium$153

Cheapest Car Insurance in San Antonio for Seniors

Cheap full coverage auto insurance for seniors in San Antonio is offered by the following insurers:

  • Texas Farm Bureau: $672 per year
  • State Farm: $673 per year

Dairyland provides the most expensive car insurance for this group, at around $1,992 per year. Some seniors tend to have trouble seeing clearly or have slower reflexes, making them riskier to insure and driving up their premiums.

Senior drivers in San Antonio may not encounter a higher rate. MoneyGeek found they pay slightly less expensive premiums than their middle-aged counterparts. The former pays about $1,170, while the latter pays about $1,220 annually.

Data filtered by:Results filtered by:
Age Group:
Age Group:60 +
Coverage:
Coverage:Full Coverage
Texas Farm BureauAnnual Premium$672Monthly Premium$56
State FarmAnnual Premium$673Monthly Premium$56
AllstateAnnual Premium$810Monthly Premium$67
NationwideAnnual Premium$885Monthly Premium$74
MercuryAnnual Premium$974Monthly Premium$81
AAA TexasAnnual Premium$1,024Monthly Premium$85
GEICOAnnual Premium$1,067Monthly Premium$89
ChubbAnnual Premium$1,267Monthly Premium$106

Cheapest Car Insurance in San Antonio for Poor Credit

San Antonio drivers with bad credit may get full coverage insurance from the following companies at the lowest possible rates:

  • Allstate: $1,340 per year
  • Mercury: $1,346 per year

State Farm offers the most expensive policy for drivers with less-than-ideal credit ratings. On average, there is an 82% or $997 difference in premium between those with good and bad credit in the city.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
AllstateAnnual Premium$1,340Monthly Premium$112
MercuryAnnual Premium$1,346Monthly Premium$112
NationwideAnnual Premium$1,444Monthly Premium$120
AAA TexasAnnual Premium$1,614Monthly Premium$134
Texas Farm BureauAnnual Premium$1,798Monthly Premium$150
ForemostAnnual Premium$1,823Monthly Premium$152
ProgressiveAnnual Premium$2,434Monthly Premium$203
ChubbAnnual Premium$2,578Monthly Premium$215

Insurance industry actuarial data has shown that policyholders with lower credit ratings are more likely to file a claim, which explains their higher premiums. Those in this group may save money on insurance by looking for discounts, like through bundling policies, and comparing rates from several companies. They might raise their credit rating by being prompt with bill payments and decreasing their overall debt, lowering their premium over time.

Cheapest Car Insurance in San Antonio for Sports Cars

Drivers might want to consider these insurance companies if they want to get the cheapest rates for sports cars:

  • State Farm: $905 per year
  • Allstate: $1,107 per year

Dairyland has the highest-priced insurance for sports cars, at around $2,298 per year. It’s often more expensive to insure a sports car than a standard Toyota Camry. In San Antonio, the difference is around 23% or $284 per year.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
State FarmAnnual Premium$905Monthly Premium$75
AllstateAnnual Premium$1,107Monthly Premium$92
GEICOAnnual Premium$1,203Monthly Premium$100
NationwideAnnual Premium$1,278Monthly Premium$106
ForemostAnnual Premium$1,660Monthly Premium$138
ChubbAnnual Premium$1,702Monthly Premium$142
ProgressiveAnnual Premium$1,880Monthly Premium$157

MoneyGeek utilized a Ford Mustang as an example of a sports vehicle, although the model and make might cause costs to vary. Luxury, electric and sports automobiles are often the priciest to insure.

Average Cost of Car Insurance in San Antonio

There are several variables that influence the cost of auto insurance, including location. Full coverage auto insurance averages $1,220 per year in San Antonio. This is $19 more expensive than the average cost of car insurance across Texas but less expensive than the national median premium for car insurance, which is around $1,265 per year.

These prices are for a policy with full coverage and $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.

Wichita FallsFull Coverage Average Annual Premium$965Minimum Coverage Average Annual Premium$426
San AngeloFull Coverage Average Annual Premium$1,001Minimum Coverage Average Annual Premium$410
AbileneFull Coverage Average Annual Premium$1,016Minimum Coverage Average Annual Premium$436
College StationFull Coverage Average Annual Premium$1,032Minimum Coverage Average Annual Premium$500
MidlandFull Coverage Average Annual Premium$1,037Minimum Coverage Average Annual Premium$461
WacoFull Coverage Average Annual Premium$1,038Minimum Coverage Average Annual Premium$491
KilleenFull Coverage Average Annual Premium$1,052Minimum Coverage Average Annual Premium$503
El PasoFull Coverage Average Annual Premium$1,093Minimum Coverage Average Annual Premium$495
LubbockFull Coverage Average Annual Premium$1,095Minimum Coverage Average Annual Premium$499
Round RockFull Coverage Average Annual Premium$1,098Minimum Coverage Average Annual Premium$542
OdessaFull Coverage Average Annual Premium$1,128Minimum Coverage Average Annual Premium$490
DentonFull Coverage Average Annual Premium$1,132Minimum Coverage Average Annual Premium$558
TylerFull Coverage Average Annual Premium$1,135Minimum Coverage Average Annual Premium$554
Corpus ChristiFull Coverage Average Annual Premium$1,140Minimum Coverage Average Annual Premium$578
LewisvilleFull Coverage Average Annual Premium$1,151Minimum Coverage Average Annual Premium$572
AllenFull Coverage Average Annual Premium$1,158Minimum Coverage Average Annual Premium$571
AustinFull Coverage Average Annual Premium$1,159Minimum Coverage Average Annual Premium$571
FriscoFull Coverage Average Annual Premium$1,159Minimum Coverage Average Annual Premium$574
Fort WorthFull Coverage Average Annual Premium$1,168Minimum Coverage Average Annual Premium$563
McKinneyFull Coverage Average Annual Premium$1,171Minimum Coverage Average Annual Premium$573
ArlingtonFull Coverage Average Annual Premium$1,174Minimum Coverage Average Annual Premium$576
PlanoFull Coverage Average Annual Premium$1,207Minimum Coverage Average Annual Premium$596
AmarilloFull Coverage Average Annual Premium$1,209Minimum Coverage Average Annual Premium$512
San AntonioFull Coverage Average Annual Premium$1,220Minimum Coverage Average Annual Premium$601
League CityFull Coverage Average Annual Premium$1,221Minimum Coverage Average Annual Premium$607
Sugar LandFull Coverage Average Annual Premium$1,242Minimum Coverage Average Annual Premium$623
BeaumontFull Coverage Average Annual Premium$1,242Minimum Coverage Average Annual Premium$623
LaredoFull Coverage Average Annual Premium$1,249Minimum Coverage Average Annual Premium$557
IrvingFull Coverage Average Annual Premium$1,251Minimum Coverage Average Annual Premium$606
RichardsonFull Coverage Average Annual Premium$1,256Minimum Coverage Average Annual Premium$620
CarrolltonFull Coverage Average Annual Premium$1,257Minimum Coverage Average Annual Premium$617
The WoodlandsFull Coverage Average Annual Premium$1,267Minimum Coverage Average Annual Premium$639
PasadenaFull Coverage Average Annual Premium$1,274Minimum Coverage Average Annual Premium$630
BrownsvilleFull Coverage Average Annual Premium$1,276Minimum Coverage Average Annual Premium$622
Grand PrairieFull Coverage Average Annual Premium$1,287Minimum Coverage Average Annual Premium$630
PearlandFull Coverage Average Annual Premium$1,298Minimum Coverage Average Annual Premium$645
MesquiteFull Coverage Average Annual Premium$1,302Minimum Coverage Average Annual Premium$639
DallasFull Coverage Average Annual Premium$1,314Minimum Coverage Average Annual Premium$640
GarlandFull Coverage Average Annual Premium$1,322Minimum Coverage Average Annual Premium$657
McAllenFull Coverage Average Annual Premium$1,364Minimum Coverage Average Annual Premium$668
HoustonFull Coverage Average Annual Premium$1,436Minimum Coverage Average Annual Premium$699

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.