Cheapest Car Insurance in San Antonio, TX
Cheapest Car Insurance in San Antonio, TX
Texas Farm Bureau and State Farm have the cheapest minimum-coverage auto insurance in San Antonio.
Find Cheap Auto Insurance Quotes in San Antonio
Auto insurance rates are higher in San Antonio than in Texas as a whole. The statewide average is $666 per year for minimum coverage, while residents of San Antonio pay $887 per year.
To avoid overpaying, it's important for San Antonio drivers to shop around. The most expensive insurer, Farmers, charges more than double what State Farm does for the same coverage.
Finding cheap auto insurance in San Antonio
State Farm and Texas Farm Bureau have the cheapest quotes for minimum-coverage car insurance in San Antonio. Both insurers charge $45 per month, which is 39% less expensive than the city average.
Find Cheap Auto Insurance Quotes in San Antonio, TX
If you are a current or former member of the military, you should also consider getting a quote from USAA. On average, a policy costs $50 per month — 32% cheaper than the San Antonio average.
Company | Monthly rate | Annual rate | |
|---|---|---|---|
| Texas Farm Bureau | $45 | $543 |
| State Farm | $45 | $544 |
| Geico | $73 | $881 |
| Chubb | $82 | $978 |
| Allstate | $85 | $1,025 |
*USAA is only available to current and former military members and their families.
Drivers in Texas are required to purchase liability coverage, which protects other drivers and their vehicles if you cause an accident. Many drivers select minimum liability coverage because of its affordability. However, it may not provide sufficient coverage in the event of an accident.
If you want protection for your own car, you'll need to purchase a full-coverage policy.
We recommend full coverage to most drivers, but particularly to those who drive a new or expensive car.
Cheap full-coverage car insurance in San Antonio
State Farm offers the cheapest full-coverage quotes for San Antonio drivers. A policy costs $1,195 per year, or $100 per month, on average. That's 47% cheaper than the citywide average.
In San Antonio, a full-coverage policy costs $1,375 more per year than minimum coverage. Although that's a difference of $115 per month, it could end up costing you less if you're involved in a major accident. That's because you'll have to pay more money out-of-pocket to cover the damage if you have a minimum-coverage policy.
Company | Monthly rate | Annual rate | |
|---|---|---|---|
|
| State Farm | $100 | $1,195 |
|
| Texas Farm Bureau | $110 | $1,314 |
|
| Geico | $162 | $1,943 |
| Progressive | $188 | $2,257 |
|
| Chubb | $200 | $2,400 |
*USAA is only available to current and former military members and their families.
Cheap car insurance for drivers with prior incidents
If you have a ticket or accident on your record, you can expect to pay more for auto insurance. That's because your insurance company will likely view a past incident as a sign that you're a high-risk driver.
State Farm has the cheapest quotes for most San Antonio drivers with incidents on their record.
While it's difficult to avoid an increase in rates after an incident, ask your insurer if there are any additional discounts you may be eligible for. If you take steps like enrolling in a defensive driving class or adding certain safety features to your car, you may be able to secure lower rates.
Cheapest San Antonio auto insurance after a speeding ticket: State Farm
State Farm has the most affordable auto insurance quotes for San Antonio residents with a recent speeding ticket.
A full-coverage policy from State Farm costs just $1,195 per year for these drivers, which is the same price that drivers with a clean record pay for coverage. It's also 54% cheaper than the city average.
Company | Monthly rate | Annual rate |
|---|---|---|
| State Farm | $100 | $1,195 |
| Texas Farm Bureau | $110 | $1,314 |
| Geico | $192 | $2,309 |
| Chubb | $216 | $2,588 |
| Progressive | $234 | $2,802 |
*USAA is only available to current and former military members and their families.
Rates increase by an average of 15% after a speeding ticket for San Antonio drivers.
This makes it the least-costly incident in our study. In comparison, rates increase by 56% after an at-fault accident and 58% after a citation for driving under the influence (DUI).
Cheapest San Antonio car insurance after an accident: State Farm
The most affordable auto insurance for San Antonio drivers who have been involved in an at-fault accident comes from State Farm. A full-coverage policy costs $1,301 per year, or $108 per month, which is $2,218 less than average in San Antonio.
Company | Monthly rate | Annual rate |
|---|---|---|
| State Farm | $108 | $1,301 |
| Texas Farm Bureau | $110 | $1,314 |
| Geico | $242 | $2,906 |
| Progressive | $294 | $3,532 |
| Chubb | $305 | $3,659 |
*USAA is only available to current and former military members and their families.
We recommend comparing quotes every time your driving record changes. Insurers take different approaches to driving incidents, with some companies penalizing drivers more severely than others. For instance, Farmers raises rates by 123% after an accident, while State Farm only raises them by 9%.
Cheapest car insurance for drivers with a DUI: State Farm
State Farm offers the cheapest quotes for San Antonio drivers after a DUI. At $1,831 per year, or $153 per month, a full-coverage policy from State Farm is 49% cheaper than the citywide average.
Company | Monthly rate | Annual rate |
|---|---|---|
| State Farm | $153 | $1,831 |
| Progressive | $213 | $2,556 |
| Geico | $281 | $3,368 |
| Dairyland | $287 | $3,443 |
| Farmers | $302 | $3,618 |
*USAA is only available to current and former military members and their families.
Car insurance costs $1,311 more per year for San Antonio drivers who have received a citation for driving under the influence than those with a clean record. Additionally, DUI citations generally stay on your record longer than accidents or speeding tickets, so they can have a bigger impact on your rates over time.
Cheapest car insurance for drivers with poor credit: Texas Farm Bureau
Texas Farm Bureau has the cheapest rates for San Antonio drivers with poor credit. A minimum-coverage policy costs $949 per year, or $79 per month, making it 53% cheaper than the city average.
Company | Annual minimum-coverage rate | Annual full-coverage rate |
|---|---|---|
| Texas Farm Bureau | $949 | $2,441 |
| Allstate | $1,275 | $3,994 |
| Dairyland | $1,317 | $4,264 |
| Progressive | $1,510 | $3,468 |
| Chubb | $1,514 | $3,659 |
*USAA is only available to current and former military members and their families.
If you have a low credit score, you'll pay between 64% and 65% more in San Antonio for auto insurance than a driver with an average credit score.
This is because insurers see a low credit score as a sign that you are more likely to file a claim, so they may raise your rates to account for that risk.
Cheapest car insurance for young San Antonio drivers: Texas Farm Bureau
Young San Antonio drivers looking to find affordable auto insurance quotes should start their search with Texas Farm Bureau. A minimum-coverage policy for an 18-year-old driver costs $1,039 per year, or $87 per month. That's 67% cheaper than the San Antonio average.
Texas Farm Bureau also offers the cheapest quotes for full coverage insurance — a policy costs $2,201 per year, or $183 per month.
Company | Annual minimum-coverage rate | Annual full-coverage rate |
|---|---|---|
| Texas Farm Bureau | $1,039 | $2,201 |
| State Farm | $1,851 | $3,608 |
| Geico | $1,967 | $3,998 |
| Chubb | $3,080 | $6,388 |
| Dairyland | $3,766 | $8,866 |
*USAA is only available to current and former military members and their families.
Insurance rates can be expensive for young drivers in San Antonio, but there are a few ways to make your payments more affordable:
- Ask about discounts. Many insurers offer discounts for installing security devices in your car, getting good grades as a student and being a safe driver, among other things. These discounts can add up to hundreds or even thousands of dollars in savings.
- Combine policies with your parents. Ask your parents about the possibility of getting a combined or multi-car policy under their insurer. Their annual rates will usually go up, but it’ll be cheaper than two separate policies.
- Compare quotes. The difference between the cheapest and most expensive insurers can be over $10,000 per year. To make sure you get a good deal on auto insurance, we recommend shopping for quotes from multiple insurers.
Best auto insurance in San Antonio
State Farm has the best customer service ratings in San Antonio.
State Farm earned 4.5 out of five stars from ValuePenguin editors based on its customer service reviews, coverage options and the overall value provided to customers.
Policyholders are generally happy with the service they receive from State Farm — it receives fewer complaints than competitors of a similar size, according to the National Association of Insurance Commissioners (NAIC). In addition, J.D. Power awarded the company an above-average score on its claims satisfaction survey.
Company |
Editor's rating
|
J.D. Power
|
NAIC
|
|---|---|---|---|
| State Farm | 892 | 0.38 | |
| Chubb | - | 0.46 | |
| Geico | 881 | 0.19 | |
| Farmers | 893 | 0 | |
| Texas Farm Bureau | - | 0.16 | |
| Allstate | 870 | 0.63 | |
| Progressive | 862 | 0.29 | |
| Dairyland | - | 0 | |
| USAA* | 909 | 1.24 |
Car insurance quotes in San Antonio by ZIP code
Residents of the Garden Ridge neighborhood, located in ZIP code 78266, pay the cheapest rates in San Antonio for full coverage.
Drivers living in ZIP code 78284, which includes the Kensington Row neighborhood, have the highest premiums.
Car insurance rates vary across San Antonio by as much as $486 per year for a full-coverage policy. That's because each neighborhood has a different crime rate, population density and accident rate. As a result, prices vary depending on which ZIP code you live in.
ZIP code | Annual minimum-coverage rate | Annual full-coverage rate |
|---|---|---|
| 78023 | $855 | $2,198 |
| 78109 | $846 | $2,167 |
| 78112 | $815 | $2,167 |
| 78201 | $924 | $2,364 |
| 78202 | $926 | $2,339 |
Auto theft statistics in San Antonio
Of the most populous cities in Texas, San Antonio has the third-highest rate of auto theft. For every 1,000 residents, approximately five cars are stolen per year, according to 2019 FBI crime data.
Theft rank | City | Population | Motor vehicle thefts in 2019 | Thefts per 1,000 people |
|---|---|---|---|---|
| 1 | Dallas | 1,363,295 | 10,257 | 7.5 |
| 2 | Houston | 2,355,606 | 13,098 | 5.6 |
| 3 | San Antonio | 1,559,166 | 7,781 | 5.0 |
| 4 | Lubbock | 259,208 | 1,225 | 4.7 |
| 5 | Fort Worth | 915,237 | 3,335 | 3.6 |
Motor vehicle theft data was pulled from the FBI 2019 Texas crime report.
Minimum auto insurance requirements in Texas
Most states have a minimum car insurance coverage requirement that drivers must follow to be able to legally drive. In San Antonio, car owners are required to follow the following Texas state limits:
Coverage | Limit |
|---|---|
| Bodily injury liability | $30,000 per person/$60,000 per accident |
| Property damage liability | $25,000 per accident |
However, we recommend full-coverage car insurance for most drivers, since it also offers protection for your own car.
Frequently asked questions
Where can I find cheap auto insurance in San Antonio?
Texas Farm Bureau and State Farm have the cheapest car insurance rates in San Antonio for most drivers. Both companies have cheap minimum-coverage insurance. State Farm has the best rates for drivers after a ticket or accident, while Texas Farm Bureau offers affordable rates for young drivers.
What is the best auto insurance in San Antonio?
State Farm provides excellent customer service for Texas drivers. The company receives fewer complaints than its competitors and earned an outstanding ValuePenguin Editor's score.
Where can I find cheap liability insurance in San Antonio?
Texas Farm Bureau has the cheapest liability-only quotes in San Antonio — a policy costs $543 per year, on average. Drivers should also compare quotes from State Farm, where a policy is only $1 per year more expensive, on average.
How much is auto insurance in the 78221 ZIP code?
Drivers who live in the 78221 ZIP code of San Antonio, near the Mission del Lago golf course, pay $72 per month for minimum-coverage insurance, which is 3% cheaper than the citywide average. In comparison, drivers living in the 78217 ZIP code pay $74 per month, and those in 78250 pay $77 per month.
Methodology
Quotes are for a 30-year-old male driver who owns a 2015 Honda Civic EX and has an average credit score, unless otherwise stated. For example, young driver quotes were based on an 18-year-old driver.
Rates include the following coverage limits:
Coverage | Minimum coverage | Full coverage |
|---|---|---|
| Bodily injury liability | $30,000/$60,000 | $50,000/$100,000 |
| Property damage liability | $25,000 | $25,000 |
| Uninsured/underinsured motorist bodily injury | waived | $50,000/$100,000 |
| Comprehensive and collision | waived | $500 deductible |
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.
Source:
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.