Who Has The Cheapest Auto Insurance Quotes in San Antonio, TX?
Find the Cheapest Auto Insurance Quotes in Your Area
Car insurance in San Antonio can be expensive for the city's 1.5 million residents, but it can also be affordable if you know where to look. We analyzed quotes from several auto insurance companies in San Antonio to help determine where is the best cheap car insurance in the Alamo City.
Cheapest Auto Insurance in San Antonio
After getting quotes from 11 different companies in San Antonio, we found Texas Farm Bureau offered the most affordable auto insurance rates with an average of $1,146 per year. Next was GEICO and Progressive. Overall the average car insurance quote in the Alamo city was $2,235 per year, making the Texas Farm Bureau rates nearly half as expensive.
Find the Cheapest Auto Insurance Quotes in Your Area
It is still important for you to go to these companies and get rates for yourself. For these quotes we used the profile of a 30 year old single male driver of a Toyota Camry living in San Antonio. Our driver had a clean driving record as well, so your own rates may fluctuate depending on your circumstances. To find the most affordable insurers in San Antonio, input your zip code and information above to start a quote. The full list of companies we surveyed can be seen below.
| Rank | Auto Insurance Company | Yearly Car Insurance Rate |
|---|---|---|
| 1 | Texas Farm Bureau | $1,146 |
| 2 | GEICO | $1,178 |
| 3 | Progressive | $1,312 |
| 4 | State Farm | $1,542 |
| 5 | Mercury | $1,800 |
| 6 | Encompass | $1,968 |
| 7 | Unitrin | $2,130 |
| 8 | 21st Century | $2,412 |
| 9 | MetLife | $2,676 |
| 10 | Dairyland | $3,366 |
| 11 | Kemper Security | $5,058 |
Where in San Antonio is the Most Affordable Car Insurance?
We found rates may vary depending on where in San Antonio you reside. We found neighborhoods closer to the city center had a higher average yearly rate than those on the outskirts of the city like Stone Oak. Below we list six individual neighborhoods within San Antonio, TX and their average annual auto insurance rates.
| San Antonio Neighborhood | Average Yearly Car Insurance Rate |
|---|---|
| Alamo Heights | $1,914 |
| Mahncke Park | $1,914 |
| Stone Oak | $2,094 |
| Balcones Heights | $3,156 |
| Helotes | $3,162 |
| Downtown San Antonio | $3,198 |
As always, even if you live in downtown San Antonio, you can find low cost auto insurance if you compare quotes from several companies. Although the average was over $3,000 per year for that part of the city, we found companies like Texas Farm Bureau that were offering rates over half as a expensive.
Best Car Insurance in San Antonio
The best auto insurance is not always the cheapest. We find that certain companies, despite not being the cheapest, may be better for certain types of drivers. Whether you are or were in the military, have an accident on your driving record, etc. certain companies will simply be better for you. Below we list some companies and what they are best for.
| Auto Insurance Company | Best For... |
|---|---|
| Texas Farm Bureau | Customer Satisfaction |
| GEICO | Convenience and Price |
|
USAA | Deployed Military Members and Family |
San Antonians are lucky in that the cheapest overall company also happens to be the best around for customer satisfaction-- at least according to J.D. Power. The organization's 2016 study of Texas auto insurance companies lists the Texas Farm Bureau as the best company when it comes to the flexibility of policies offered, as well as how they handle claims. Texans really enjoy the service they get with the company. The only possible downside to the Farm Bureau is that you first need to become a member, as well as pay an annual fee of usually around $40.
If you do not feel up to getting a membership to the Farm Bureau, GEICO would be your next best cheapest and convenient option. Anyone can quickly get a quote online through GEICO with out ever needing to interact with an agent. We found GEICO to be the second cheapest option for San Antonians as well so it may be a great option.
San Antonio is home to three military bases, Camp Bullis, Lackland Airforce Base, and JBSA-Randolph, so there are many military members that can benefit from USAA. The military insurance company may be the best auto insurance for those currently serving--especially if they may be deployed in the future. As we discuss more here, USAA offers great discounts for those in the military, and even better ones for those going over seas. Not retaining auto insurance for your car while on active duty can be costly when you get back, so USAA may be your best option.
Fatal Accidents in San Antonio
The city of San Antonio experienced over 600 fatal accidents between 2011 and 2015 with the highest amount occurring toward the center of the city--in the downtown area. The data is consistent with that part of the city being the most expensive for car insurance.
Most Dangerous Roads in San Antonio
The following table lists the roads within the city that have had the most fatal accidents since 2011. The most dangerous was I-410 where 68 fatal accidents have occurred.
| Rank | Highway | Number of Traffic Fatalities | Percent That Involve Drunk Driver |
|---|---|---|---|
| 1 | I-410 | 68 | 39.7% |
| 2 | I-10 | 46 | 37.0% |
| 3 | I-35 | 43 | 44.2% |
| 4 | US-281 | 20 | 35.0% |
| 5 | US-90 | 17 | 52.9% |
A large portion of the accidents that occur on these roads are due to a drunken driver or have a drunken driver involved. Although US-90 had the 5th most fatal accidents, over half of them involved drinking and driving.
Car Insurance Agents in San Antonio
While the cheapest companies in our survey allow you to get quotes online, there are certain companies that require you to finish buying auto insurance through an agent. Going through an agent has many benefits despite it appearing to be less convenient. An agent will be good in making sure you have the perfect amount of coverage which can save you a lot of money in the long run. Below you may find a short list of some agencies within San Antonio.
| Agency | Address |
|---|---|
| A-Affordable Auto Insurance | 3323 SE Military Dr, San Antonio, TX 78223, United States |
| A-MAX Auto Insurance | 1201-B Southwest Military Drive, San Antonio, TX 78221, United States |
| Pronto Insurance | 526 N Zarzamora St, San Antonio, TX 78207, United States |
| Primera Insurance | 1726 Fredericksburg Rd, San Antonio, TX 78201, United States |
| Direct Auto Insurance | 11430 Perrin Beitel Rd, San Antonio, TX 78217, United States |
Minimum Car Insurance Requirements in San Antonio and Texas: 30/60/25 Law
The state requirements for the state of Texas apply to all drivers in San Antonio as well. We generally recommend most drivers opt for a higher amount than the minimum--especially if the value of their car is greater than $2,000. If you have a valuable car we would recommend adding comprehensive and collision insurance.
- $30,000 of Bodily Injury Liability per Person
- $60,000 of Bodily Injury Liability per Accident
- $25,000 of Property Damage Liability
Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.