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Cheapest Car Insurance in San Antonio, TX

Cheapest Car Insurance in San Antonio, TX

State Farm has the best cheap car insurance in San Antonio, at $36 per month for minimum liability coverage.

Find Cheap Auto Insurance Quotes in San Antonio

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Best cheap car insurance in San Antonio

To help you find the best cheap car insurance in San Antonio, TX, our editorial team compared thousands of car insurance quotes from top companies in Texas. We ranked companies based on factors like cost, customer support and coverage.

Minimum-coverage quotes meet the Texas state minimum requirements of $30,000 in bodily injury liability per person and $60,000 per accident plus $25,000 in property damage coverage. Full-coverage quotes include higher liability limits plus comprehensive and collision coverage.

Cheap auto insurance in San Antonio

State Farm has the cheapest quotes for minimum-coverage car insurance in San Antonio. At $36 per month, a policy from State Farm is 36% less expensive than the city average.

Graph showing minimum-coverage car insurance rates in San Antonio by insurer

Find Cheap Auto Insurance Quotes in San Antonio, TX

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Auto insurance quotes are higher in San Antonio than in Texas as a whole. The statewide average is $48 per month for minimum coverage, while the average cost of car insurance in San Antonio is $56 per month.

To avoid overpaying, it's important for San Antonio drivers to shop around. The most expensive company, Progressive, charges more than double what State Farm does for the same coverage.

Company
Monthly rate
State Farm logo
State Farm$36
Farm Bureau logo
Farm Bureau$37
Geico logo
Geico$53
Allstate logo
Allstate$80
Progressive logo
Progressive$87
Show All Rows

*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 it's affordable. However, it may not provide enough coverage if you're in a bad 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, especially those who drive a new or expensive car.

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Cheap full-coverage car insurance in San Antonio

State Farm offers the cheapest full-coverage quotes for San Antonio drivers. A policy costs $79 per month, on average. That's 45% cheaper than the citywide average.

Company
Monthly rate
State Farm$79
Farm Bureau$90
Geico$120
Progressive$232
Allstate$237
Show All Rows

*USAA is only available to current and former military members and their families.

In San Antonio, a full-coverage policy costs $89 more per month than minimum coverage, but it could end up being a better value if you're involved in a major accident.

That's because full-coverage car insurance helps pay for repairs to your own car, even if you cause an accident.


Cheap car insurance for drivers with prior incidents

State Farm has the cheapest quotes for San Antonio drivers with a ticket, accident or DUI on their record.

Drivers with a poor credit score can find affordable rates at Farm Bureau.

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 generally view a past incident as a sign that you're more likely to be in an accident, which makes you more expensive to insure.

It's difficult to avoid an increase in your rates after an incident. You should ask your insurance company if you can save money with additional discounts. 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 ticket: State Farm

State Farm has the most affordable auto insurance quotes for San Antonio drivers with a recent speeding ticket.

A full-coverage policy from State Farm costs $79 per month after a single speeding ticket. That's the same price that drivers with a clean record pay for coverage from State Farm. It's also 50% cheaper than the city average.

Company
Monthly rate
State Farm$79
Farm Bureau$90
Geico$143
Allstate$237
Progressive$286
Show All Rows

Rates increase by an average of 11% after a single speeding ticket in San Antonio.


Cheapest San Antonio car insurance after an accident: State Farm

State Farm has the cheapest auto insurance for San Antonio drivers who have caused an accident. A full-coverage policy costs $95 per month after an accident, which is 57% less than average in San Antonio.

Company
Monthly rate
State Farm$95
Farm Bureau$144
Geico$191
Progressive$354
Allstate$375
Show All Rows

It's always a good idea to compare quotes every time your driving record changes. Insurance companies take different approaches to driving incidents, and some companies penalize drivers more than others. For instance, Farm Bureau raises rates by 60% after an accident, while State Farm only raises them by 20%.


Cheapest car insurance for drivers with a DUI: State Farm

State Farm has the cheapest quotes for San Antonio drivers after a DUI. At $131 per month, a full-coverage policy from State Farm is 53% cheaper than the citywide average.

Company
Monthly rate
State Farm$131
Farm Bureau$178
Geico$212
Progressive$265
Allstate$373
Show All Rows

San Antonio drivers with a DUI pay $76 more per month for full-coverage insurance 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: Farm Bureau

Farm Bureau has the cheapest rates for San Antonio drivers with poor credit. A full-coverage policy costs $203 per month, making it 34% cheaper than the city average.

Company
Monthly rate
Farm Bureau$203
Geico$325
Allstate$333
Progressive$402
State Farm$410
Show All Rows

If you have a low credit score, you'll pay twice as much for full-coverage car insurance in San Antonio than a driver with a good credit score.

This is because insurance companies 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.


Cheap quotes for young San Antonio drivers: Farm Bureau

Farm Bureau has the most affordable auto insurance quotes for young drivers in San Antonio.

A minimum-coverage policy for an 18-year-old driver costs $71 per month at Farm Bureau in the city. That's 65% cheaper than the San Antonio average. Farm Bureau also offers the cheapest quote for full-coverage insurance, at $151 per month.

Company
Liability only
Full coverage
Farm Bureau$71$151
State Farm$122$238
Geico$123$258
Allstate$411$1,015
Progressive$412$1,202
Show All Rows

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 companies offer discounts for installing security devices in your car, getting good grades as a student and being a safe driver. These discounts can add up to hundreds or even thousands of dollars in savings.
  • Share a policy with your parents. Ask your parents about the possibility of getting a combined or multicar policy. Their rates will usually go up, but it’ll be cheaper than two separate policies.
  • Compare quotes. The difference between the cheapest and the most expensive insurance company can be over $1,000 per month. To make sure you get a good deal on auto insurance, we recommend shopping for quotes from multiple companies.
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Cheap quotes for teens with incidents: Farm Bureau

Farm Bureau has the cheapest quotes for young drivers with violations.

A minimum-coverage policy from Farm Bureau costs $71 per month for an 18-year-old driver with a single speeding ticket, which is the same as the rate for a driver with a clean record. Young drivers who have caused an accident pay around $103 per month for minimum coverage from Farm Bureau, which is 64% cheaper than average.

Company
Speeding ticket
Accident
Farm Bureau$71$103
State Farm$122$140
Geico$136$179
Progressive$409$444
Allstate$411$743
Show All Rows

Cheapest car insurance for married drivers: Farm Bureau

Farm Bureau offers the most affordable rates for married drivers in San Antonio, at $68 per month for a full-coverage policy. Farm Bureau also gives the largest discount to married drivers — 24%. The average savings for married drivers in San Antonio is 7%.

Company
Monthly rate
Farm Bureau$68
State Farm$79
Geico$137
Allstate$205
Progressive$218
Show All Rows

Best auto insurance in San Antonio

USAA has the best customer service ratings in San Antonio.

It earned top marks on J.D. Power's customer satisfaction survey, along with a high rating from our editors. However, most drivers can't get car insurance from USAA — you have to be a military member, a veteran or their family member to apply.

Company
Editor's rating
USAA
State Farm
Farm Bureau
Geico
Allstate
Show All Rows

State Farm is an excellent option for San Antonio drivers who don't qualify for USAA.

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.

San Antonio drivers should take time to research customer service scores before buying car insurance. A company with great service will help make the claims process quick and easy if you're ever in an accident. On the other hand, bad service can lead to delayed repairs and cost you more in the long run.

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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 78206, located near downtown San Antonio, have the highest rates.

Car insurance rates vary across San Antonio by as much as $42 per month 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
Average monthly cost
Difference from average
78023$141-2%
78109$135-6%
78112$142-2%
78201$1514%
78202$1504%
Show All Rows

Compare Rates

Minimum auto insurance requirements in Texas

Most states require drivers to have a minimum amount of car insurance coverage to be able to legally drive. In San Antonio, car owners are required to follow the Texas state limits.

However, we recommend full-coverage car insurance for most drivers since it also helps pay for damage to your own car.


Frequently asked questions

How much does car insurance cost in San Antonio?

The average cost of minimum-coverage car insurance in San Antonio is $56 per month. Full-coverage insurance costs $145 per month, on average.

Where can I find cheap auto insurance in San Antonio?

State Farm has the cheapest car insurance rates in San Antonio for most drivers. A minimum-coverage policy from State Farm costs around $36 per month, while full coverage costs $79 per month. However, Farm Bureau offers cheaper rates for young and married drivers.

What is the best auto insurance in San Antonio?

USAA provides excellent customer service for Texas drivers, but it's only available to people with ties to the military. We recommend State Farm if you don't qualify for USAA — 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?

State Farm has the cheapest liability-only quotes in San Antonio — a policy costs $36 per month, on average. Drivers should also compare quotes from Farm Bureau, where a policy is only $1 per month 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 $143 per month for full-coverage insurance. In comparison, drivers living in the 78217 ZIP code pay $145 per month, and those in 78250 pay $146 per month.


Methodology

To find the best cheap car insurance in San Antonio, TX, ValuePenguin gathered quotes from six of the top insurance companies in Texas for all ZIP codes across the city. Quotes are for a 30-year-old male driver who owns a 2015 Honda Civic EX and has a good credit score, unless otherwise stated. Young driver quotes are based on an 18-year-old driver.

Rates include the following coverage limits:

Minimum coverage

Full coverage

Coverage
Limit
Bodily injury liability$30,000 per person/$60,000 per accident
Property damage liability$25,000 per accident
Uninsured/underinsured motorist bodily injurywaived
Comprehensive and collisionwaived

Minimum coverage

Coverage
Limit
Bodily injury liability$30,000 per person/$60,000 per accident
Property damage liability$25,000 per accident
Uninsured/underinsured motorist bodily injurywaived
Comprehensive and collisionwaived

Full coverage

Coverage
Limit
Bodily injury liability$50,000 per person/$100,000 per accident
Property damage liability$25,000 per accident
Uninsured/underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision$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.

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.