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.
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.
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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.
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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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.
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.
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.
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.
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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.
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.
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.
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.
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.
About Mark Fitzpatrick