The cheapest car insurance companies in San Antonio are Texas Farm Bureau, State Farm and Mercury. Rates depend on your driving history and coverage level. The table below shows costs across common categories and highlights the most affordable option for each.
Cheapest Car Insurance in San Antonio, TX
Updated: March 31, 2025
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Key Takeaways
The cheapest car insurance companies in San Antonio are Texas Farm Bureau, Mercury, State Farm, Progressive and AAA Texas.
The lowest monthly car insurance rates are $32 for minimum coverage and $68 for full coverage.
On average, residents pay $72 per month for minimum coverage and $148 for full coverage.
Why Trust MoneyGeek? We analyzed car insurance companies using data from the Texas Department of Insurance and Quadrant Information Services. Learn more.
Cheapest Car Insurance Rates and Companies in San Antonio
| Texas Farm Bureau | Minimum Coverage | $32 |
| Texas Farm Bureau | Full Coverage | $68 |
| Nationwide | Teens | $184 |
| Texas Farm Bureau | Young Adults | $41 |
| Texas Farm Bureau | Senior Drivers | $27 |
| Mercury | Drivers With Bad Credit | $56 |
| Texas Farm Bureau | Drivers With a Speeding Ticket | $32 |
| Mercury | Drivers With a DUI | $56 |
| State Farm | Drivers With an Accident | $53 |
| Texas Farm Bureau | Military Affiliated Drivers | $32 |
Cheapest Car Insurance Coverage in San Antonio
Compare rates from different providers to find the cheapest car insurance in San Antonio. Factors like age, driving history, vehicle type and coverage needs impact costs. While you may find the cheapest car insurance in Texas, it's not always the lowest in San Antonio. Comparing car insurance quotes helps you find affordable coverage that fits your needs.
Cheapest Minimum Coverage Car Insurance in San Antonio
Texas Farm Bureau offers the cheapest minimum coverage car insurance in San Antonio at $32 monthly, followed by Mercury at $39. Check the table below for more providers offering the best rates for minimum coverage.
| Texas Farm Bureau | $32 | $41 |
| Mercury | $39 | $33 |
| State Farm | $42 | $31 |
| Progressive | $53 | $19 |
| AAA Texas | $60 | $12 |
| National General | $61 | $11 |
| Allstate | $69 | $4 |
Cheapest Full Coverage Car Insurance in San Antonio
Texas Farm Bureau offers the cheapest full coverage car insurance in San Antonio at $816 annually. Check the table below to see which providers offer the best rates.
| Texas Farm Bureau | $68 | $80 |
| State Farm | $89 | $59 |
| Progressive | $103 | $45 |
| AAA Texas | $118 | $29 |
| Mercury | $129 | $19 |
| Allstate | $133 | $15 |
| National General | $135 | $13 |
| GEICO | $136 | $12 |
Cheapest Car Insurance in San Antonio by Age
In San Antonio, age affects car insurance costs. Young drivers typically pay more due to inexperience. Rates decrease with age but may rise again after 70. Below are affordable options for teens, young adults and seniors.
Cheapest Car Insurance in San Antonio for Teens
Nationwide, State Farm and GEICO offer the most affordable minimum coverage car insurance for teens in San Antonio. Check the table below for the lowest rates for teen drivers.
| Nationwide | $184 | $95 | $410 | $60 |
| State Farm | $184 | $95 | $242 | $228 |
| GEICO | $230 | $49 | $257 | $212 |
Cheapest Car Insurance in San Antonio for Young Adults
Texas Farm Bureau offers the cheapest car insurance for young adults at $492 annually for minimum coverage, saving 58% compared to the city average. State Farm, Mercury and Progressive are the next most affordable options.
| Texas Farm Bureau | $41 | $55 |
| State Farm | $51 | $44 |
| Mercury | $52 | $44 |
| Progressive | $62 | $34 |
| AAA Texas | $77 | $19 |
| National General | $82 | $14 |
| GEICO | $86 | $10 |
| Allstate | $86 | $9 |
Cheapest Car Insurance in San Antonio for Seniors
Texas Farm Bureau offers the cheapest car insurance for seniors in San Antonio at $324 annually for minimum coverage. Explore the options below from other providers to find the best rates for senior drivers.
| Texas Farm Bureau | $27 | $46 |
| State Farm | $39 | $35 |
| Mercury | $44 | $30 |
| Progressive | $53 | $21 |
| AAA Texas | $63 | $11 |
| National General | $64 | $9 |
| Allstate | $70 | $3 |
Cheapest Car Insurance in San Antonio for Drivers With Bad Credit
A low credit-based insurance score can mean higher premiums than those with good scores. The top options for cheap minimum coverage car insurance for drivers with bad credit in San Antonio are Mercury ($672 yearly) and Texas Farm Bureau ($792 yearly). Review the table below for more options from other providers.
| Mercury | $56 | $72 |
| Texas Farm Bureau | $66 | $62 |
| Progressive | $81 | $47 |
| National General | $93 | $35 |
| AAA Texas | $94 | $34 |
| Allstate | $102 | $26 |
| Nationwide | $114 | $14 |
| Foremost | $115 | $13 |
HOW TO LOWER YOUR RATE WITH BAD CREDIT
Drivers with poor credit can still lower their car insurance costs by using common discounts, bundling different insurance policies and comparing personalized quotes from multiple companies to find the best rates. Improving your credit over time can also help you get a lower rate.
Cheapest Car Insurance in San Antonio After a Driving Offense
Insurance companies assess risk when setting car insurance premiums; your driving record is key. Violations like speeding tickets, accidents or DUIs can raise your rates significantly. Even the cheapest options for drivers with violations cost more than those with clean records. Below, we’ve listed affordable providers to help you find cheap car insurance after an accident or other driving offenses.
Cheapest Car Insurance in San Antonio After a DUI
Texas doesn't issue DUIs but has DWIs instead. Drivers in San Antonio with a DWI can still find affordable car insurance. Mercury offers the cheapest minimum coverage at $672 annually. Check the table below to explore options from other providers and find the best rates for drivers with a DWI.
| Mercury | $56 | $55 |
| Progressive | $57 | $54 |
| Texas Farm Bureau | $74 | $37 |
| National General | $77 | $34 |
| State Farm | $81 | $30 |
| AAA Texas | $95 | $16 |
| Foremost | $108 | $3 |
Cheapest Car Insurance in San Antonio After an Accident
State Farm offers the most affordable minimum coverage car insurance in San Antonio for drivers with an at-fault accident record at $636 annually. The table below provides options for the best car insurance company with the most affordable rates.
| State Farm | $53 | $69 |
| Texas Farm Bureau | $54 | $68 |
| Progressive | $82 | $40 |
| Mercury | $84 | $38 |
| AAA Texas | $90 | $32 |
| GEICO | $103 | $19 |
| National General | $105 | $17 |
| Allstate | $118 | $4 |
Cheapest Car Insurance in San Antonio After a Ticket
Texas Farm Bureau offers the most affordable car insurance for drivers with a speeding record at $384 annually for minimum coverage. State Farm follows with a rate of $504. Check the table below to explore options from other providers and find the best car insurance with cheap rates.
| Texas Farm Bureau | $32 | $55 |
| State Farm | $42 | $45 |
| Mercury | $57 | $29 |
| Progressive | $62 | $24 |
| Allstate | $69 | $18 |
| National General | $75 | $11 |
| AAA Texas | $80 | $6 |
| GEICO | $85 | $2 |
Cheapest Car Insurance in San Antonio for Military Drivers
Military drivers, including active-duty members, veterans and their families, often find special discounts and competitive rates on car insurance. The cheapest car insurance providers for military drivers in San Antonio are Texas Farm Bureau, with an annual rate of $384 for minimum coverage, and Mercury at $468.
| Texas Farm Bureau | $32 | $38 |
| Mercury | $39 | $31 |
| USAA | $40 | $30 |
| State Farm | $42 | $28 |
| Progressive | $53 | $17 |
| AAA Texas | $60 | $9 |
| National General | $61 | $9 |
| Allstate | $69 | $1 |
Car Insurance Quotes in San Antonio
The estimated car insurance rates above give San Antonio drivers a starting point for understanding expected premiums. Texas Farm Bureau, at $32 monthly, offers a more affordable option compared to Mercury's $39. Because individual factors affect car insurance costs, personalized quotes ensure accurate estimates.
Compare San Antonio Car Insurance Estimates Online
Since insurers calculate premiums differently based on personalized factors, comparing quotes is crucial for finding the most affordable car insurance. In San Antonio, drivers can use MoneyGeek to enter basic information and receive multiple quotes in minutes. Texas Farm Bureau offers a monthly rate of $32, while Mercury's rate is $39.
Car Insurance Calculator
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$192
High
$139
Average
$87
Low
Rates updated:
Apr 22, 2025
| Insurance Carrier | MoneyGeek Score | Average Monthly Payment | |
|---|---|---|---|
| 1 |  Capital Insurance Group | 94 /of 100 | $87 |
| 2 |  GEICO | 82 /of 100 | $109 |
| 3 | 83 /of 100 | $118 | |
| 4 | 83 /of 100 | $129 | |
| 5 | 79 /of 100 | $133 | |
| 6 | 77 /of 100 | $151 |
1
Capital Insurance Group
MoneyGeek Score
94
/of 100
Average Monthly Payment$87/mo
2
GEICO
MoneyGeek Score
82
/of 100
Average Monthly Payment$109/mo
MoneyGeek Score
83
/of 100
Average Monthly Payment$118/mo
MoneyGeek Score
83
/of 100
Average Monthly Payment$129/mo
MoneyGeek Score
79
/of 100
Average Monthly Payment$133/mo
MoneyGeek Score
77
/of 100
Average Monthly Payment$151/mo
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.
Car Insurance Agencies in San Antonio
While comparing car insurance quotes online offers a quick way to find affordable coverage, those seeking personalized service should contact local agencies. Texas Farm Bureau and Mercury offer competitive rates. The table below lists the top agencies with names, ratings, and contact details.
How Much Does Car Insurance Cost in San Antonio?
The average annual cost of full coverage car insurance in San Antonio is $1,776. Minimum coverage is cheaper, averaging $864. These averages are for a 40-year-old with good credit and a clean driving record; your rate may differ.
San Antonio Auto Insurance Cost by Driver Profile
See how your auto insurance compares with our summary table of average costs for different drivers. Compare and find affordable rates in your area.
| Teen Drivers | No Data | $470 |
| Young Adults | $95 | $193 |
| Senior Drivers | $73 | $142 |
| Drivers With Bad Credit | $128 | $267 |
| Drivers With a Speeding Ticket | $86 | $178 |
| Drivers With a DUI | $111 | $216 |
| Drivers With an Accident | $122 | $241 |
| Military Affiliated Drivers | $70 | $143 |
How Expensive Is Car Insurance in San Antonio?
In San Antonio, car insurance costs about 7% more for minimum coverage, averaging $72 monthly, and 4% more for full coverage at $148 monthly, compared to the Texas average.
| City Avg Rate | $72 | $148 |
| State Avg Rate | $68 | $141 |
| vs State Avg Rate | $-5 | $-6 |
Car Insurance Requirements in San Antonio
Texas law requires drivers to carry car insurance that meets the state’s minimum coverage requirements. These include:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
Liability coverage helps pay for damage or injuries you cause to others if you’re at fault in an accident. For instance, if you injure another driver, your bodily injury liability covers up to $30,000 of their medical expenses. You must pay any costs beyond this out of pocket unless you have higher limits.
Drivers needing SR-22 insurance in San Antonio must maintain at least these minimum coverage amounts to meet legal requirements.
Cheapest Car Insurance in San Antonio: Bottom Line
San Antonio's most affordable car insurance depends on age, driving record and credit history. Texas Farm Bureau and Mercury are often the cheapest options. Always compare quotes to get a great deal.
Cheap San Antonio Car Insurance: FAQ
MoneyGeek answers common questions about affordable car insurance in San Antonio, helping you find the best coverage for your needs.
What is the cheapest car insurance company in San Antonio, Texas?
The cheapest car insurance company in San Antonio, Texas, is typically Texas Farm Bureau, with average annual rates of $384 for minimum coverage and $816 for full coverage. Rates vary based on age, driving history and coverage needs, so it’s best to compare quotes.
What is the average cost of car insurance in San Antonio, Texas?
The average annual cost of car insurance in San Antonio, Texas, is $1,776 for full coverage, while minimum coverage averages $864.
Is car insurance in San Antonio, Texas, expensive?
Car insurance in San Antonio is slightly more expensive than the Texas average. The city's average monthly cost of minimum coverage is $72, which is higher than the state average of $68. For full coverage, San Antonio's average rate is $148 monthly, also higher than the state average of $141.
How We Chose the Cheapest Car Insurance in San Antonio, TX
To help San Antonio drivers find the most affordable auto insurance companies, MoneyGeek analyzed San Antonio auto insurance rates based on data from the Texas Department of Insurance and Quadrant Information Services.
San Antonio Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in San Antonio with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
We adjusted certain factors — such as age, driving record, credit history 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
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.