Cheapest Car Insurance in San Antonio, TX
State Farm has the cheapest car insurance in San Antonio, at $79 per month for full coverage and $36 per month for minimum coverage.
Find Cheap Auto Insurance Quotes in San Antonio
Best cheap car insurance companies 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.
Cheapest car insurance in San Antonio: State Farm
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.
Find Cheap Auto Insurance Quotes in San Antonio
Cheapest full coverage car insurance in San Antonio
Company | Monthly rate | |
|---|---|---|
| State Farm | $79 |
| Farm Bureau | $90 |
| Geico | $120 |
| Progressive | $232 |
| Allstate | $237 |
*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 liability insurance quotes in San Antonio: State Farm
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.
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.
Find Cheap Auto Insurance Quotes in San Antonio
Cheap auto insurance in San Antonio
Company | Monthly rate | |
|---|---|---|
|
| State Farm | $36 |
|
| Farm Bureau | $37 |
|
| Geico | $53 |
|
| Allstate | $80 |
|
| Progressive | $87 |
*USAA is only available to current and former military members and their families.
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.
Cheapest for teens
Company | Liability only | Full coverage |
|---|---|---|
| Farm Bureau | $71 | $151 |
| State Farm | $122 | $238 |
| Geico | $123 | $258 |
| Allstate | $411 | $1,015 |
| Progressive | $412 | $1,202 |
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.
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.
Cheapest after a ticket
Company | Monthly rate |
|---|---|
| State Farm | $79 |
| Farm Bureau | $90 |
| Geico | $143 |
| Allstate | $237 |
| Progressive | $286 |
Rates increase by an average of 11% after a single speeding ticket in San Antonio.
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 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 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.
Cheapest after an accident
Company | Monthly rate |
|---|---|
| State Farm | $95 |
| Farm Bureau | $144 |
| Geico | $191 |
| Progressive | $354 |
| Allstate | $375 |
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.
Cheapest after a DUI in San Antonio
Company | Monthly rate |
|---|---|
| State Farm | $131 |
| Farm Bureau | $178 |
| Geico | $212 |
| Progressive | $265 |
| Allstate | $373 |
San Antonio drivers with a DUI pay $76 more per month for full-coverage insurance than those with a clean record. 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.
Cheapest for poor credit in San Antonio
Company | Monthly rate |
|---|---|
| Farm Bureau | $203 |
| Geico | $325 |
| Allstate | $333 |
| Progressive | $402 |
| State Farm | $410 |
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 teens with incidents: Farm Bureau
Farm Bureau has the cheapest quotes for young drivers with tickets or accidents on their records.
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.
Cheapest for teens after a ticket or accident
Company | Speeding ticket | Accident |
|---|---|---|
| Farm Bureau | $71 | $103 |
| State Farm | $122 | $140 |
| Geico | $136 | $179 |
| Progressive | $409 | $444 |
| Allstate | $411 | $743 |
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%.
Cheapest for married San Antonio drivers
Company | Monthly rate |
|---|---|
| Farm Bureau | $68 |
| State Farm | $79 |
| Geico | $137 |
| Allstate | $205 |
| Progressive | $218 |
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 |
State Farm is an excellent option for San Antonio drivers who don't qualify for USAA.
Customers are generally happy with the service they get from State Farm — it has 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.
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 | $151 | 4% |
| 78202 | $150 | 4% |
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.
- Bodily injury liability: $30,000 per person and $60,000 per accident
- Property damage liability: $25,000 per accident
However, we recommend full-coverage car insurance for most drivers since it also helps pay for damage to your own car.
What's the best car insurance for San Antonio drivers?
Drivers in Texas are required to buy 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 get a full-coverage policy.
We recommend full coverage to most drivers, especially those who drive a new or expensive 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 gets 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 injury | waived |
| Comprehensive and collision | waived |
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 injury | waived |
| Comprehensive and collision | waived |
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.