As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

Click here for our full-length guide to Texas car insurance quotes, discounts, and state requirements.

Car travel is the main mode of transportation for nearly 1.5 million San Antonio residents. Finding the right car insurance policy for you and your lifestyle is an important step towards safe driving in San Antonio. Let’s get on our way to great savings. 

Find cheap car insurance quotes for San Antonio today.

For more city-specific car insurance details, check out our overviews of Houston and Corpus Christi.

Cheapest Car Insurance Quotes in San Antonio

Here are the cheapest insurance companies in San Antonio based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Clean driving records may amount to “good driver discounts,” resulting in lower overall insurance costs.

Insurance CompanyQuotes
GEICO$127/month
State Farm$175/month
Nationwide$196/month
Mercury$238/month
American Family$242/month

USAA often offers the lowest car insurance rates to Texas drivers, but it is only available to active-duty members of the military, veterans, and their immediate families.

Best Car Insurance Companies in San Antonio

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top-rated companies that offer car insurance in San Antonio. For the complete list, see Insurify’s best car insurance companies.

Insurance CompanyScoreQuotes
American Family88$242/month
GEICO87$127/month
Nationwide84$196/month
State Farm83$175/month
Mercury81$238/month
Liberty Mutual80$332/month

Compare Average San Antonio Car Insurance Premiums 

Insurance rates vary greatly from town to town. San Antonio has average premiums comparable to the state average, but higher than the national. Keep the savings rolling and compare policies on Insurify today. 

San Antonio Average Premium Texas Average Premium National Average Premium

$225/month

$222/month

$131/month

San Antonio Auto Insurance FAQs

Which company offers the cheapest auto insurance quotes in San Antonio?

The best way to get the cheapest car insurance in San Antonio and save on your auto insurance premium is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high-risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

What are the penalties for driving uninsured in San Antonio?

Driving uninsured puts yourself and the drivers and passengers in the cars around you in great danger. You should never drive uninsured. Penalties for driving uninsured are severe and may include driving privilege and vehicle registration suspensions, revocation of license plates, statutory fees, reinstatement fees, and Texas State SR-22 requirements. 

What are the required insurance needs of Texas drivers?

To legally drive in Texas, vehicles must carry liability insurance, even if they are just parked on the road. Bodily injury and property damage coverage are required as the minimum coverage in the state. Supplemental coverage for further protection in the case of an accident can be obtained in the form of comprehensive, collision, loan/lease payoff, medical payments, rental car reimbursements, roadside assistance, and uninsured motorist protection. Insurance agencies offer these options for further coverage in the case of an accident caused by or involving your vehicle. As insurance products become more comprehensive, so does the protection. While cheap auto insurance is what some drivers are in the market for, other drivers prefer to have the highest coverage.

What happens if I get caught driving uninsured in San Antonio?

Driving uninsured puts yourself, your passengers, your property, and everyone around you in danger. Never drive uninsured. In the state of Texas, if a driver is found to be driving uninsured, punishments can have major, costly, and long-term repercussions. For the first offense of driving without financial responsibility, drivers will receive four points on their license, hundreds in fines, and license suspension. They may also be mandated to file SR-22 insurance. 

Can I drive in San Antonio as an undocumented immigrant?

In the state of Texas, drivers are allowed to operate a vehicle using a valid, unexpired foreign license for up to one year or until they become a Texas resident. Once a person has legally become a Texas resident, they have 90 days to apply for and obtain a Texas license to continue to drive. It is also recommended to obtain an International Driving Permit (IDP) before driving in the United States. An IDP is not a driver’s license, but simply a translation of your permission to drive in your home country. Both forms of documentation must be present to prove your permission to drive in the United States. IDPs must be obtained in your home country. In addition to a driver’s license, foreign drivers must purchase car insurance before driving in Texas. For long-term driving in the States, it will be necessary to purchase traditional car insurance. For the cheapest car insurance options personalized to you, use Insurify to compare quotes.

San Antonio Auto Insurance Requirements 

All vehicles on the roadways of Texas are required to hold sufficient liability insurance

Liability coverage is a safety necessity.Texas‘s minimum coverage for liability car insurance limits are as follows:

  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Driving records, prior car accidents, prior moving violations, speeding tickets, commute length, and other demographic factors may cause fluctuation to your San Antonio auto insurance rates.

Read more about Texas car insurance requirements. 

Comprehensive and collision coverage are supplemental options offered by insurance providers to protect your vehicle and passengers from “Acts of God,” vandalism, and other uncontrollable circumstances. 

For a free quote, compare auto insurance companies on Insurify

San Antonio DMV Information 

San Antonio, Texas has half a dozen DMV outposts around the area. The opening hours vary between 8:30 AM and 6 PM with additional early morning, evening, and weekend hours. Some DMV services are offered online, including requesting duplicate registration cards, emissions waiver applications, and title change status. They also offer online services that may help you to skip your in-person DMV visit altogether. 

Public Transit in San Antonio

The city of San Antonio offers residents and visitors expansive public transit options throughout the city and into surrounding areas. The METRORail offers commuters and tourists access to the bustling downtown neighborhood and NRG Park to the Museum District and Texas Medical Center. Other lines connect to the Theatre District and stadium. 

San Antonio’s bus system runs through most city streets, making frequent stops. With over 1,200 buses, you’ll never find yourself waiting too long for the next bus. Greenlink buses are a free service provided by the city connecting downtown with 18 stops including hotels, restaurants, shopping centers, and other entertainment hubs. 

San Antonio also has a bike-sharing program called B-Cycle. For a low membership cost, patrons can conveniently and easily rent and return bicycles at 90 parking stations around the city. And, of course, San Antonio offers ridesharing services like Uber and Lyft, plus traditional taxis.

Even with these services, most San Antonio residents drive cars in and around the city. In fact, over 93 percent of households own vehicles, leading to frequent traffic jams out of the city. Make sure you’re protected before hitting the road.

Conclusion: How to get the best and cheapest car insurance in San Antonio

As American drivers know too well, enough of their precious time is wasted sitting in traffic each year. There’s no need to waste more time finding the perfect auto insurance policy. Use Insurify to find the best rates available by comparing dozens of insurance quotes in just a few seconds.

With an estimated 14.1 percent of vehicles driving uninsured throughout Texas, give yourself peace of mind with sufficient car insurance coverage. Don’t become just one more uninsured motorist—get quotes with Insurify to get the best coverage and rates for your car at a price that works for you.

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Updated May 6, 2020

Jackie Cohen received her B.A. in Global Media and Public Relations from the University of Massachusetts, Amherst. Currently based in Boston, MA, she works as a content writer for Insurify. An avid globe-trotter and foodie, Jackie spends her spare time adventuring far and near.