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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.

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2023

Cheapest Car Insurance in San Antonio, TX

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.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$329

$27

State Farm

$342

$29

State Farm

$367

$31

Texas Farm Bureau

$379

$32

Allstate

$404

$34

Allstate

$415

$35

Mercury

$434

$36

State Farm

$449

$37

Mercury

$474

$40

Texas Farm Bureau

$486

$41

Allstate

$506

$42

AAA Texas

$522

$44

Nationwide

$527

$44

AAA Texas

$549

$46

Nationwide

$552

$46

Mercury

$564

$47

Progressive

$594

$49

Progressive

$606

$51

GEICO

$607

$51

GEICO

$638

$53

Chubb

$644

$54

AAA Texas

$671

$56

Texas Farm Bureau

$672

$56

State Farm

$673

$56

GEICO

$698

$58

Chubb

$707

$59

Foremost

$710

$59

Progressive

$714

$59

State Farm

$741

$62

Nationwide

$742

$62

National General

$770

$64

National General

$796

$66

Allstate

$810

$67

Texas Farm Bureau

$810

$68

Foremost

$835

$70

Allstate

$882

$73

Nationwide

$885

$74

Mercury

$916

$76

State Farm

$951

$79

Mercury

$974

$81

Foremost

$975

$81

National General

$979

$82

Texas Farm Bureau

$1,000

$83

AAA Texas

$1,024

$85

AAA Texas

$1,028

$86

GEICO

$1,067

$89

Nationwide

$1,083

$90

GEICO

$1,084

$90

Dairyland

$1,178

$98

Allstate

$1,181

$98

Dairyland

$1,220

$102

Chubb

$1,242

$103

Mercury

$1,256

$105

Chubb

$1,267

$106

GEICO

$1,271

$106

Nationwide

$1,307

$109

AAA Texas

$1,342

$112

Progressive

$1,415

$118

Dairyland

$1,445

$120

Chubb

$1,456

$121

Progressive

$1,467

$122

Foremost

$1,495

$125

Foremost

$1,606

$134

National General

$1,655

$138

National General

$1,806

$151

Progressive

$1,836

$153

Dairyland

$1,992

$166

Foremost

$2,002

$167

National General

$2,047

$171

Dairyland

$2,218

$185

Chubb

$2,282

$190

Dairyland

$2,716

$226

Insurance Rates

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Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.

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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.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$329

$27

State Farm

$342

$29

State Farm

$367

$31

Texas Farm Bureau

$379

$32

Allstate

$404

$34

Allstate

$415

$35

Mercury

$434

$36

State Farm

$449

$37

Mercury

$474

$40

Texas Farm Bureau

$486

$41

Allstate

$506

$42

AAA Texas

$522

$44

Nationwide

$527

$44

AAA Texas

$549

$46

Nationwide

$552

$46

Mercury

$564

$47

Progressive

$594

$49

Progressive

$606

$51

GEICO

$607

$51

GEICO

$638

$53

Chubb

$644

$54

AAA Texas

$671

$56

Texas Farm Bureau

$672

$56

State Farm

$673

$56

GEICO

$698

$58

Chubb

$707

$59

Foremost

$710

$59

Progressive

$714

$59

State Farm

$741

$62

Nationwide

$742

$62

National General

$770

$64

National General

$796

$66

Allstate

$810

$67

Texas Farm Bureau

$810

$68

Foremost

$835

$70

Allstate

$882

$73

Nationwide

$885

$74

Mercury

$916

$76

State Farm

$951

$79

Mercury

$974

$81

Foremost

$975

$81

National General

$979

$82

Texas Farm Bureau

$1,000

$83

AAA Texas

$1,024

$85

AAA Texas

$1,028

$86

GEICO

$1,067

$89

Nationwide

$1,083

$90

GEICO

$1,084

$90

Dairyland

$1,178

$98

Allstate

$1,181

$98

Dairyland

$1,220

$102

Chubb

$1,242

$103

Mercury

$1,256

$105

Chubb

$1,267

$106

GEICO

$1,271

$106

Nationwide

$1,307

$109

AAA Texas

$1,342

$112

Progressive

$1,415

$118

Dairyland

$1,445

$120

Chubb

$1,456

$121

Progressive

$1,467

$122

Foremost

$1,495

$125

Foremost

$1,606

$134

National General

$1,655

$138

National General

$1,806

$151

Progressive

$1,836

$153

Dairyland

$1,992

$166

Foremost

$2,002

$167

National General

$2,047

$171

Dairyland

$2,218

$185

Chubb

$2,282

$190

Dairyland

$2,716

$226

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.

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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.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$329

$27

State Farm

$342

$29

State Farm

$367

$31

Texas Farm Bureau

$379

$32

Allstate

$404

$34

Allstate

$415

$35

State Farm

$441

$37

State Farm

$449

$37

State Farm

$469

$39

Texas Farm Bureau

$486

$41

Allstate

$506

$42

State Farm

$559

$47

Texas Farm Bureau

$599

$50

Mercury

$608

$51

Nationwide

$623

$52

Mercury

$625

$52

Texas Farm Bureau

$642

$54

Nationwide

$648

$54

Progressive

$659

$55

Texas Farm Bureau

$672

$56

State Farm

$673

$56

State Farm

$683

$57

GEICO

$691

$58

Allstate

$691

$58

Chubb

$696

$58

AAA Texas

$701

$58

Allstate

$709

$59

Progressive

$710

$59

State Farm

$711

$59

Progressive

$718

$60

GEICO

$728

$61

Mercury

$734

$61

AAA Texas

$738

$62

Allstate

$740

$62

State Farm

$741

$62

Mercury

$746

$62

GEICO

$759

$63

Allstate

$760

$63

Mercury

$764

$64

Chubb

$764

$64

Texas Farm Bureau

$771

$64

Progressive

$774

$65

AAA Texas

$788

$66

Progressive

$793

$66

Mercury

$797

$66

Foremost

$798

$66

State Farm

$802

$67

Allstate

$810

$67

Texas Farm Bureau

$810

$68

AAA Texas

$828

$69

Texas Farm Bureau

$829

$69

AAA Texas

$830

$69

GEICO

$838

$70

State Farm

$847

$71

Nationwide

$847

$71

Foremost

$852

$71

Progressive

$853

$71

Allstate

$867

$72

AAA Texas

$870

$73

National General

$875

$73

Nationwide

$875

$73

Allstate

$882

$73

National General

$888

$74

Texas Farm Bureau

$893

$74

AAA Texas

$902

$75

National General

$903

$75

GEICO

$908

$76

Nationwide

$908

$76

State Farm

$919

$77

Mercury

$921

$77

National General

$924

$77

GEICO

$927

$77

Allstate

$929

$77

Foremost

$945

$79

Progressive

$948

$79

State Farm

$951

$79

Chubb

$962

$80

Texas Farm Bureau

$1,000

$83

AAA Texas

$1,014

$84

Foremost

$1,018

$85

Progressive

$1,042

$87

Chubb

$1,057

$88

AAA Texas

$1,064

$89

Foremost

$1,067

$89

GEICO

$1,084

$90

GEICO

$1,085

$90

Nationwide

$1,087

$91

Nationwide

$1,092

$91

Mercury

$1,094

$91

Progressive

$1,099

$92

National General

$1,109

$92

National General

$1,112

$93

Nationwide

$1,120

$93

Foremost

$1,121

$93

State Farm

$1,151

$96

Texas Farm Bureau

$1,161

$97

Texas Farm Bureau

$1,170

$98

Nationwide

$1,177

$98

Allstate

$1,181

$98

GEICO

$1,190

$99

Dairyland

$1,195

$100

Mercury

$1,198

$100

National General

$1,209

$101

Dairyland

$1,237

$103

Chubb

$1,259

$105

Nationwide

$1,262

$105

Mercury

$1,264

$105

GEICO

$1,264

$105

National General

$1,264

$105

GEICO

$1,266

$105

State Farm

$1,275

$106

Nationwide

$1,304

$109

Allstate

$1,318

$110

Texas Farm Bureau

$1,333

$111

Mercury

$1,333

$111

Chubb

$1,342

$112

State Farm

$1,347

$112

AAA Texas

$1,348

$112

AAA Texas

$1,350

$112

Chubb

$1,369

$114

Texas Farm Bureau

$1,369

$114

Chubb

$1,383

$115

Allstate

$1,393

$116

Allstate

$1,410

$118

GEICO

$1,414

$118

National General

$1,448

$121

Mercury

$1,457

$121

Dairyland

$1,465

$122

Allstate

$1,484

$124

Nationwide

$1,487

$124

AAA Texas

$1,499

$125

AAA Texas

$1,499

$125

Nationwide

$1,505

$125

GEICO

$1,526

$127

GEICO

$1,565

$130

AAA Texas

$1,566

$131

AAA Texas

$1,567

$131

Chubb

$1,573

$131

Dairyland

$1,574

$131

State Farm

$1,579

$132

Mercury

$1,608

$134

Nationwide

$1,612

$134

Mercury

$1,617

$135

Texas Farm Bureau

$1,636

$136

Texas Farm Bureau

$1,654

$138

Progressive

$1,662

$139

Dairyland

$1,677

$140

Mercury

$1,687

$141

Progressive

$1,687

$141

Foremost

$1,704

$142

GEICO

$1,707

$142

Dairyland

$1,750

$146

AAA Texas

$1,766

$147

Dairyland

$1,794

$149

Foremost

$1,798

$150

Progressive

$1,800

$150

Foremost

$1,820

$152

Progressive

$1,832

$153

Foremost

$1,844

$154

Chubb

$1,856

$155

Nationwide

$1,863

$155

Allstate

$1,891

$158

Chubb

$1,894

$158

Dairyland

$1,901

$158

Mercury

$1,907

$159

GEICO

$1,924

$160

National General

$1,925

$160

AAA Texas

$1,964

$164

Nationwide

$1,970

$164

Foremost

$1,983

$165

Allstate

$1,991

$166

GEICO

$2,000

$167

Dairyland

$2,011

$168

GEICO

$2,013

$168

National General

$2,050

$171

Progressive

$2,051

$171

AAA Texas

$2,052

$171

Nationwide

$2,061

$172

Texas Farm Bureau

$2,073

$173

Dairyland

$2,074

$173

Foremost

$2,138

$178

National General

$2,152

$179

National General

$2,172

$181

Chubb

$2,177

$181

Progressive

$2,189

$182

Foremost

$2,218

$185

Dairyland

$2,236

$186

Foremost

$2,262

$189

Progressive

$2,318

$193

National General

$2,319

$193

Foremost

$2,333

$194

Mercury

$2,348

$196

Mercury

$2,372

$198

Progressive

$2,407

$201

Chubb

$2,431

$203

Nationwide

$2,455

$205

Chubb

$2,467

$206

Chubb

$2,480

$207

National General

$2,561

$213

National General

$2,659

$222

Dairyland

$2,727

$227

Dairyland

$2,738

$228

Progressive

$2,746

$229

Dairyland

$2,749

$229

Chubb

$2,852

$238

National General

$2,885

$240

National General

$2,954

$246

Dairyland

$3,080

$257

Dairyland

$3,090

$257

Dairyland

$3,248

$271

Chubb

$3,413

$284

Dairyland

$3,445

$287

Foremost

$3,482

$290

Foremost

$4,068

$339

Foremost

$4,129

$344

Chubb

$4,471

$373

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

State Farm

$718

$3,239

State Farm

$833

$3,760

State Farm

$854

$4,373

State Farm

$896

$4,042

State Farm

$1,184

$3,871

Nationwide

$1,267

$2,389

Nationwide

$1,282

$2,584

State Farm

$1,298

$4,631

State Farm

$1,326

$4,338

Nationwide

$1,348

$3,259

State Farm

$1,400

$5,335

Nationwide

$1,438

$2,712

Nationwide

$1,438

$3,778

State Farm

$1,458

$4,768

Nationwide

$1,461

$3,044

Nationwide

$1,522

$2,870

Nationwide

$1,533

$3,090

Nationwide

$1,547

$3,513

State Farm

$1,553

$6,358

State Farm

$1,580

$5,639

Allstate

$1,615

$2,151

State Farm

$1,621

$5,863

Nationwide

$1,630

$3,286

Allstate

$1,744

$2,220

State Farm

$1,784

$7,206

Nationwide

$1,839

$5,429

Nationwide

$1,880

$6,412

Nationwide

$1,922

$4,645

State Farm

$1,925

$8,013

State Farm

$1,939

$7,012

Allstate

$1,952

$2,599

GEICO

$1,963

$3,357

GEICO

$1,977

$4,055

Allstate

$1,978

$3,024

State Farm

$1,979

$7,993

Nationwide

$1,980

$6,947

State Farm

$1,983

$8,838

GEICO

$1,985

$3,223

GEICO

$2,010

$3,439

GEICO

$2,016

$3,273

Nationwide

$2,024

$6,901

GEICO

$2,024

$4,047

GEICO

$2,058

$3,696

Allstate

$2,073

$2,760

Nationwide

$2,093

$7,001

GEICO

$2,099

$3,590

GEICO

$2,102

$3,699

GEICO

$2,128

$3,455

State Farm

$2,151

$8,991

Nationwide

$2,160

$8,173

Nationwide

$2,176

$5,716

Progressive

$2,185

$3,215

Foremost

$2,216

$3,719

Allstate

$2,273

$2,893

Nationwide

$2,275

$8,854

Foremost

$2,278

$3,236

Progressive

$2,281

$5,290

Progressive

$2,308

$3,229

Allstate

$2,320

$3,520

Nationwide

$2,324

$8,796

GEICO

$2,328

$5,451

Allstate

$2,335

$3,411

GEICO

$2,349

$4,817

Foremost

$2,383

$3,386

State Farm

$2,386

$9,971

Foremost

$2,390

$3,535

State Farm

$2,392

$11,036

Foremost

$2,412

$3,427

GEICO

$2,415

$5,542

GEICO

$2,450

$4,898

Progressive

$2,471

$5,708

Foremost

$2,477

$4,291

Foremost

$2,492

$3,413

Allstate

$2,497

$3,178

GEICO

$2,514

$6,512

Progressive

$2,615

$3,658

GEICO

$2,622

$6,696

Progressive

$2,641

$3,885

Foremost

$2,683

$3,674

Progressive

$2,723

$7,158

Allstate

$2,730

$3,986

Foremost

$2,732

$4,044

Progressive

$2,764

$4,607

Progressive

$2,773

$4,919

Foremost

$2,801

$3,835

Progressive

$2,801

$6,495

GEICO

$2,813

$7,286

Progressive

$2,841

$3,974

GEICO

$2,883

$8,606

Progressive

$2,921

$4,296

Foremost

$2,926

$10,043

GEICO

$2,974

$7,596

Foremost

$3,022

$10,197

Foremost

$3,042

$10,441

GEICO

$3,051

$9,089

Progressive

$3,075

$8,161

Allstate

$3,086

$5,468

Foremost

$3,179

$10,726

Allstate

$3,180

$4,646

Progressive

$3,222

$7,442

Foremost

$3,256

$6,489

Foremost

$3,289

$6,571

Foremost

$3,444

$14,978

Progressive

$3,446

$14,846

Foremost

$3,598

$6,233

Foremost

$3,612

$15,641

Allstate

$3,642

$6,479

Foremost

$3,686

$6,184

Allstate

$3,760

$5,491

Progressive

$3,829

$16,623

Progressive

$3,837

$17,174

Progressive

$4,078

$17,566

Progressive

$4,215

$18,928

Progressive

$4,455

$19,342

Allstate

$4,679

$6,550

Allstate

$5,505

$7,721

Allstate

$5,698

$7,976

Allstate

$6,162

$11,353

Allstate

$6,710

$9,411

Allstate

$7,261

$13,421

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.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$329

$27

State Farm

$342

$29

State Farm

$367

$31

Texas Farm Bureau

$379

$32

Allstate

$404

$34

Allstate

$415

$35

USAA

$418

$35

Mercury

$434

$36

USAA

$447

$37

State Farm

$449

$37

Mercury

$474

$40

Texas Farm Bureau

$486

$41

USAA

$503

$42

Allstate

$506

$42

AAA Texas

$522

$44

Nationwide

$527

$44

AAA Texas

$549

$46

Nationwide

$552

$46

Mercury

$564

$47

Progressive

$594

$49

Progressive

$606

$51

GEICO

$607

$51

GEICO

$638

$53

Chubb

$644

$54

AAA Texas

$671

$56

Texas Farm Bureau

$672

$56

State Farm

$673

$56

GEICO

$698

$58

Chubb

$707

$59

Foremost

$710

$59

Progressive

$714

$59

State Farm

$741

$62

Nationwide

$742

$62

National General

$770

$64

National General

$796

$66

Allstate

$810

$67

Texas Farm Bureau

$810

$68

Foremost

$835

$70

Allstate

$882

$73

Nationwide

$885

$74

USAA

$897

$75

USAA

$910

$76

Mercury

$916

$76

State Farm

$951

$79

Mercury

$974

$81

Foremost

$975

$81

National General

$979

$82

Texas Farm Bureau

$1,000

$83

AAA Texas

$1,024

$85

AAA Texas

$1,028

$86

GEICO

$1,067

$89

Nationwide

$1,083

$90

GEICO

$1,084

$90

USAA

$1,108

$92

Dairyland

$1,178

$98

Allstate

$1,181

$98

Dairyland

$1,220

$102

Chubb

$1,242

$103

Mercury

$1,256

$105

Chubb

$1,267

$106

GEICO

$1,271

$106

Nationwide

$1,307

$109

AAA Texas

$1,342

$112

Progressive

$1,415

$118

Dairyland

$1,445

$120

Chubb

$1,456

$121

Progressive

$1,467

$122

Foremost

$1,495

$125

Foremost

$1,606

$134

National General

$1,655

$138

National General

$1,806

$151

Progressive

$1,836

$153

Dairyland

$1,992

$166

Foremost

$2,002

$167

National General

$2,047

$171

Dairyland

$2,218

$185

Chubb

$2,282

$190

Dairyland

$2,716

$226

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.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

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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.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$329

$27

State Farm

$342

$29

State Farm

$367

$31

Texas Farm Bureau

$379

$32

Allstate

$404

$34

Allstate

$415

$35

Mercury

$434

$36

State Farm

$449

$37

Mercury

$474

$40

Texas Farm Bureau

$486

$41

Allstate

$506

$42

AAA Texas

$522

$44

Nationwide

$527

$44

AAA Texas

$549

$46

Nationwide

$552

$46

Mercury

$564

$47

Progressive

$594

$49

Progressive

$606

$51

GEICO

$607

$51

GEICO

$638

$53

Chubb

$644

$54

AAA Texas

$671

$56

Texas Farm Bureau

$672

$56

State Farm

$673

$56

GEICO

$698

$58

Chubb

$707

$59

Foremost

$710

$59

Progressive

$714

$59

State Farm

$741

$62

Nationwide

$742

$62

National General

$770

$64

National General

$796

$66

Allstate

$810

$67

Texas Farm Bureau

$810

$68

Foremost

$835

$70

Allstate

$882

$73

Nationwide

$885

$74

Mercury

$916

$76

State Farm

$951

$79

Mercury

$974

$81

Foremost

$975

$81

National General

$979

$82

Texas Farm Bureau

$1,000

$83

AAA Texas

$1,024

$85

AAA Texas

$1,028

$86

GEICO

$1,067

$89

Nationwide

$1,083

$90

GEICO

$1,084

$90

Dairyland

$1,178

$98

Allstate

$1,181

$98

Dairyland

$1,220

$102

Chubb

$1,242

$103

Mercury

$1,256

$105

Chubb

$1,267

$106

GEICO

$1,271

$106

Nationwide

$1,307

$109

AAA Texas

$1,342

$112

Progressive

$1,415

$118

Dairyland

$1,445

$120

Chubb

$1,456

$121

Progressive

$1,467

$122

Foremost

$1,495

$125

Foremost

$1,606

$134

National General

$1,655

$138

National General

$1,806

$151

Progressive

$1,836

$153

Dairyland

$1,992

$166

Foremost

$2,002

$167

National General

$2,047

$171

Dairyland

$2,218

$185

Chubb

$2,282

$190

Dairyland

$2,716

$226

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.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$329

$27

State Farm

$342

$29

State Farm

$367

$31

Texas Farm Bureau

$379

$32

Allstate

$404

$34

Allstate

$415

$35

Mercury

$434

$36

State Farm

$449

$37

Mercury

$474

$40

Texas Farm Bureau

$486

$41

Allstate

$506

$42

AAA Texas

$522

$44

Nationwide

$527

$44

AAA Texas

$549

$46

Nationwide

$552

$46

Mercury

$564

$47

Progressive

$594

$49

Progressive

$606

$51

GEICO

$607

$51

GEICO

$638

$53

Chubb

$644

$54

AAA Texas

$671

$56

Texas Farm Bureau

$672

$56

State Farm

$673

$56

GEICO

$698

$58

Chubb

$707

$59

Foremost

$710

$59

Progressive

$714

$59

State Farm

$741

$62

Nationwide

$742

$62

National General

$770

$64

National General

$796

$66

Allstate

$810

$67

Texas Farm Bureau

$810

$68

Foremost

$835

$70

Allstate

$882

$73

Nationwide

$885

$74

Mercury

$916

$76

State Farm

$951

$79

Mercury

$974

$81

Foremost

$975

$81

National General

$979

$82

Texas Farm Bureau

$1,000

$83

AAA Texas

$1,024

$85

AAA Texas

$1,028

$86

GEICO

$1,067

$89

Nationwide

$1,083

$90

GEICO

$1,084

$90

Dairyland

$1,178

$98

Allstate

$1,181

$98

Dairyland

$1,220

$102

Chubb

$1,242

$103

Mercury

$1,256

$105

Chubb

$1,267

$106

GEICO

$1,271

$106

Nationwide

$1,307

$109

AAA Texas

$1,342

$112

Progressive

$1,415

$118

Dairyland

$1,445

$120

Chubb

$1,456

$121

Progressive

$1,467

$122

Foremost

$1,495

$125

Foremost

$1,606

$134

National General

$1,655

$138

National General

$1,806

$151

Progressive

$1,836

$153

Dairyland

$1,992

$166

Foremost

$2,002

$167

National General

$2,047

$171

Dairyland

$2,218

$185

Chubb

$2,282

$190

Dairyland

$2,716

$226

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.

Company
Annual Premium
Monthly Premium

Allstate

$599

$50

Mercury

$605

$50

Allstate

$615

$51

Mercury

$663

$55

Texas Farm Bureau

$689

$57

Nationwide

$693

$58

Nationwide

$728

$61

Allstate

$752

$63

Mercury

$792

$66

Texas Farm Bureau

$796

$66

AAA Texas

$819

$68

Foremost

$850

$71

AAA Texas

$862

$72

Progressive

$933

$78

Progressive

$951

$79

Nationwide

$993

$83

Foremost

$1,001

$83

Texas Farm Bureau

$1,029

$86

AAA Texas

$1,052

$88

National General

$1,115

$93

Progressive

$1,122

$94

Chubb

$1,138

$95

National General

$1,158

$96

Foremost

$1,171

$98

Allstate

$1,227

$102

Chubb

$1,250

$104

Nationwide

$1,320

$110

Allstate

$1,340

$112

Mercury

$1,346

$112

National General

$1,370

$114

Mercury

$1,423

$119

Nationwide

$1,444

$120

Dairyland

$1,464

$122

Texas Farm Bureau

$1,478

$123

Dairyland

$1,520

$127

AAA Texas

$1,607

$134

AAA Texas

$1,614

$134

GEICO

$1,762

$147

GEICO

$1,765

$147

Allstate

$1,797

$150

Texas Farm Bureau

$1,798

$150

Dairyland

$1,799

$150

Foremost

$1,823

$152

Mercury

$1,848

$154

State Farm

$1,860

$155

GEICO

$1,912

$159

Nationwide

$1,915

$160

Foremost

$1,956

$163

State Farm

$1,996

$166

AAA Texas

$2,106

$176

Chubb

$2,198

$183

Texas Farm Bureau

$2,222

$185

Chubb

$2,242

$187

Progressive

$2,339

$195

Progressive

$2,434

$203

State Farm

$2,440

$203

Foremost

$2,444

$204

Dairyland

$2,525

$210

Chubb

$2,578

$215

National General

$2,739

$228

Dairyland

$2,842

$237

National General

$2,863

$239

GEICO

$2,963

$247

Progressive

$3,055

$255

GEICO

$3,106

$259

Dairyland

$3,466

$289

GEICO

$3,478

$290

National General

$3,566

$297

State Farm

$3,660

$305

State Farm

$4,025

$335

Chubb

$4,042

$337

State Farm

$5,169

$431

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.

Company
Annual Premium
Monthly Premium

State Farm

$376

$31

State Farm

$404

$34

Allstate

$408

$34

Allstate

$418

$35

State Farm

$493

$41

Allstate

$511

$43

GEICO

$514

$43

Nationwide

$516

$43

GEICO

$538

$45

Nationwide

$540

$45

Progressive

$572

$48

GEICO

$585

$49

Progressive

$590

$49

Foremost

$672

$56

Progressive

$708

$59

Chubb

$719

$60

Nationwide

$725

$60

Chubb

$790

$66

Foremost

$796

$66

State Farm

$823

$69

State Farm

$905

$75

Foremost

$941

$78

Allstate

$993

$83

Nationwide

$1,025

$85

Allstate

$1,107

$92

Dairyland

$1,109

$92

GEICO

$1,124

$94

Dairyland

$1,149

$96

State Farm

$1,176

$98

GEICO

$1,203

$100

Nationwide

$1,278

$106

Dairyland

$1,361

$113

Chubb

$1,387

$116

GEICO

$1,411

$118

Chubb

$1,480

$123

Allstate

$1,502

$125

Nationwide

$1,551

$129

Progressive

$1,612

$134

Foremost

$1,660

$138

Chubb

$1,702

$142

Foremost

$1,738

$145

Progressive

$1,880

$157

Dairyland

$2,033

$169

Foremost

$2,245

$187

Dairyland

$2,298

$192

Progressive

$2,395

$200

Chubb

$2,658

$222

Dairyland

$2,815

$235

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.

City
Full Coverage Average Annual Premium
Minimum Coverage Average Annual Premium

Wichita Falls

$965

$426

San Angelo

$1,001

$410

Abilene

$1,016

$436

College Station

$1,032

$500

Midland

$1,037

$461

Waco

$1,038

$491

Killeen

$1,052

$503

El Paso

$1,093

$495

Lubbock

$1,095

$499

Round Rock

$1,098

$542

Odessa

$1,128

$490

Denton

$1,132

$558

Tyler

$1,135

$554

Corpus Christi

$1,140

$578

Lewisville

$1,151

$572

Allen

$1,158

$571

Austin

$1,159

$571

Frisco

$1,159

$574

Fort Worth

$1,168

$563

McKinney

$1,171

$573

Arlington

$1,174

$576

Plano

$1,207

$596

Amarillo

$1,209

$512

San Antonio

$1,220

$601

League City

$1,221

$607

Sugar Land

$1,242

$623

Beaumont

$1,242

$623

Laredo

$1,249

$557

Irving

$1,251

$606

Richardson

$1,256

$620

Carrollton

$1,257

$617

The Woodlands

$1,267

$639

Pasadena

$1,274

$630

Brownsville

$1,276

$622

Grand Prairie

$1,287

$630

Pearland

$1,298

$645

Mesquite

$1,302

$639

Dallas

$1,314

$640

Garland

$1,322

$657

McAllen

$1,364

$668

Houston

$1,436

$699

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.