120+ more*Quotes generated for Insurify users in and around San Antonio, Texas within the last 10 days. Last updated on August 7, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around San Antonio, Texas within the last 10 days. Last updated on August 7, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
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10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
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Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
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7+ years experience in data analysis
Ph.D. in Computational Biology
Updated
With an average rate of $46 per month for liability coverage, State Farm offers San Antonio drivers the cheapest car insurance.
San Antonio drivers pay an overall average of $164 per month for car insurance, compared to the Texas average of $158 per month.
San Antonio ranks among the top 25 cities nationwide and top 100 worldwide for traffic congestion.[1]
San Antonio’s drivers pay an average of $117 per month for state-minimum coverage and $211 per month for full-coverage policies. That’s higher than the cost of car insurance in Texas, which averages $110 per month for liability coverage and $205 per month for full coverage.
Compared to the larger Houston, which has an overall average car insurance cost of $212 per month, San Antonio’s costs seem more reasonable. But compared to smaller Texas cities, like Lubbock’s average of $145 per month, San Antonio drivers may feel a bit envious.
Car Insurance Costs in San Antonio vs. Texas | Average Monthly Quote |
|---|---|
| San Antonio average | $164 |
| Texas average | $158 |
State Farm offers the cheapest liability-only and full-coverage car insurance for San Antonio drivers.
Rates start as low as $46/mo. for minimum coverage
For drivers in the Alamo City, staying safe on congested roads, like Interstate 410, I-35, and I-10, can be a challenge. When you throw in the city’s relatively high vehicle theft rates and frequent bad weather, getting around might feel downright dangerous.
If you notice bad weather or flood warnings, consider avoiding the roads and bridges until the threat passes.
In terms of everyday traffic, freight trucks already make up a big part of the road-congestion problem. Freight traffic in the greater San Antonio area will likely increase nearly 94% by 2050, according to the Alamo Area Metropolitan Planning Organization’s Regional Freight Study. Be extra wary of the many freight trucks that pass through San Antonio on major highways, and leave extra space when passing these big trucks.
Like other risks, vehicle theft rates can affect car insurance costs, with higher theft rates leading to higher premiums. Bexar County, home to San Antonio, has some of the highest vehicle theft rates in the country, ranking No. 12, with more than 4,500 total car thefts. These high theft rates play into San Antonio’s above-average car insurance costs.
As a larger city with more than 1.5 million residents and a relatively high population density, San Antonio drivers face higher car insurance costs than drivers in smaller Texas towns like Laredo or Lubbock.[2] Although rates tend to be cheaper than those in Texas’ largest cities, Dallas and Houston, costs are still above the state average of $158 per month.
The table below highlights the average costs for a car insurance policy in many cities in Texas.
City | Average Monthly Quote |
|---|---|
| Abilene | $131 |
| Amarillo | $152 |
| Arlington | $162 |
| Austin | $163 |
| Beaumont | $172 |
| Brownsville | $159 |
| Corpus Christi | $163 |
| Dallas | $178 |
| Denton | $152 |
| El Paso | $138 |
| Fort Worth | $156 |
| Galveston | $165 |
| Garland | $176 |
| Grand Prairie | $167 |
| Houston | $212 |
| Huntsville | $149 |
| Irving | $167 |
| Killeen | $146 |
| Laredo | $150 |
| Lubbock | $145 |
| McAllen | $171 |
| Mesquite | $177 |
| Midland | $146 |
| Odessa | $162 |
| Plano | $159 |
| San Antonio | $164 |
| San Marcos | $151 |
| Spring | $181 |
San Antonio is home to some of the worst traffic congestion in the nation. Whether you’re stuck on the 410, I-35, or I-10, the seemingly endless miles of traffic can make it difficult to get around. Unfortunately, the congestion only seems to be getting worse. In 2025, San Antonio drivers spent an average of 43 hours in traffic, according to the INRIX 2025 Global Traffic Scorecard.
The congestion leads to more chances of an accident, which insurers take into account when determining premiums. With higher risks, drivers tend to face higher premiums.
Texas car insurance premiums tend to be higher than the national average. And San Antonio drivers pay more than the average cost for Texas drivers, too.
Multiple factors drive San Antonio’s above-average car insurance costs, including a relatively high vehicle theft rate and heavy traffic congestion. Regular bad weather, like hailstorms and flooding, also adds to the risks for drivers in the city, pushing up insurance costs.
Texas state law requires drivers to carry a minimum amount of liability coverage. The minimum insurance requirements in Texas include $30,000 in bodily injury coverage per person, $60,000 in bodily injury coverage per accident, and $25,000 in property damage coverage.[3]
Liability-only coverage is the cheapest type of insurance to buy. But remember that it won’t cover damage to your car or medical expenses for you and your passengers if you cause an accident.
Most San Antonio drivers will find the lowest rates from State Farm, which offers liability car insurance policies that average $46 per month. But Allstate and Mile Auto also offer relatively affordable coverage and are among the best car insurance companies in Texas.
The table below highlights the cheapest liability-only rates for an auto insurance policy in San Antonio.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Premium |
|---|---|
| State Farm | $46 |
| Allstate | $63 |
| Mile Auto | $66 |
| Progressive | $66 |
| GEICO | $72 |
| USAA | $81 |
| First Acceptance | $90 |
| Mercury | $90 |
| The General | $93 |
| Alinsco | $94 |
| Lone Star | $98 |
| GAINSCO | $99 |
| Commonwealth Casualty | $100 |
| Bristol West | $104 |
| Clearcover | $104 |
| Covercube | $104 |
| Root | $105 |
| Dairyland | $107 |
| AssuranceAmerica | $109 |
| Mendota | $110 |
| Excepsure | $114 |
| Sun Coast | $114 |
| Direct Auto | $117 |
| Safeco | $118 |
| National General | $121 |
| Loop | $122 |
| Elephant | $124 |
| Chubb | $137 |
| Trexis One | $142 |
| Insurify Car | $156 |
| 21st Century | $158 |
| Hugo | $167 |
| Liberty Mutual | $192 |
Insurify Car’s policies start at $26/week in Texas
For full-coverage car insurance — which includes comprehensive coverage and collision coverage in addition to liability insurance — State Farm offers San Antonio drivers the cheapest rates, at an average of $88 per month. With frequent hail events and occasional flooding in the city, many San Antonio drivers might find more peace of mind by opting for a full-coverage policy.
The table below highlights the cheapest full-coverage rates in San Antonio.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Premium |
|---|---|
| State Farm | $88 |
| Progressive | $121 |
| Allstate | $125 |
| Mercury | $144 |
| Mile Auto | $148 |
| GEICO | $152 |
| USAA | $158 |
| Root | $173 |
| Safeco | $174 |
| Clearcover | $182 |
| Alinsco | $185 |
| Direct Auto | $185 |
| GAINSCO | $190 |
| Elephant | $192 |
| AssuranceAmerica | $199 |
| Bristol West | $200 |
| National General | $201 |
| The General | $208 |
| Mendota | $215 |
| Commonwealth Casualty | $218 |
| First Acceptance | $220 |
| Lone Star | $227 |
| Loop | $228 |
| Sun Coast | $230 |
| Covercube | $238 |
| Dairyland | $251 |
| Chubb | $269 |
| Liberty Mutual | $280 |
| Trexis One | $296 |
| 21st Century | $309 |
*Quotes generated for Insurify users in and around San Antonio, Texas within the last 10 days. Last updated on August 7, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around San Antonio, Texas within the last 10 days. Last updated on August 7, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
A speeding ticket in San Antonio can come with a steep fine, ranging from $190 to $359, depending on how fast you were going.[4] And after a speeding ticket in San Antonio, insurance companies are likely to raise your car insurance costs to an average of $147 per month for liability-only coverage.
The table below highlights the cheapest rates for drivers with a speeding ticket in San Antonio.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Premium |
|---|---|
| State Farm | $58 |
| Mile Auto | $80 |
| Allstate | $82 |
| Progressive | $83 |
| GEICO | $94 |
| USAA | $105 |
| First Acceptance | $113 |
| Alinsco | $118 |
| GAINSCO | $119 |
| Commonwealth Casualty | $119 |
| Lone Star | $123 |
| Mercury | $125 |
| The General | $125 |
| Root | $125 |
| Covercube | $131 |
| Bristol West | $131 |
| Clearcover | $133 |
| Dairyland | $133 |
| Mendota | $138 |
| AssuranceAmerica | $139 |
| Excepsure | $143 |
| Sun Coast | $143 |
| Direct Auto | $147 |
| Elephant | $151 |
| National General | $151 |
| Loop | $153 |
| Safeco | $155 |
| Chubb | $175 |
| Trexis One | $178 |
| Insurify Car | $196 |
| 21st Century | $208 |
| Hugo | $210 |
| Liberty Mutual | $245 |
As an at-fault state, Texas requires drivers and their insurers to pay for the auto accidents they cause. But if you cause an accident, you’ll likely also face higher car insurance costs than a driver with a clean driving record. Since more than 4% of San Antonio drivers have been at fault in an accident, many face higher costs.
On average, drivers in San Antonio with an at-fault accident pay $155 per month for liability-only coverage. Take a look at the table below to see average rates for San Antonio drivers with an accident across multiple insurers.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Premium |
|---|---|
| State Farm | $61 |
| Allstate | $85 |
| Progressive | $88 |
| Mile Auto | $89 |
| GEICO | $95 |
| USAA | $109 |
| First Acceptance | $120 |
| Alinsco | $125 |
| GAINSCO | $127 |
| The General | $128 |
| Lone Star | $130 |
| Root | $133 |
| Commonwealth Casualty | $133 |
| Mercury | $135 |
| Bristol West | $138 |
| Covercube | $138 |
| Dairyland | $142 |
| AssuranceAmerica | $145 |
| Mendota | $146 |
| Clearcover | $148 |
| Excepsure | $151 |
| Sun Coast | $151 |
| Direct Auto | $160 |
| National General | $162 |
| Loop | $162 |
| Elephant | $163 |
| Safeco | $165 |
| Chubb | $184 |
| Trexis One | $189 |
| Insurify Car | $207 |
| 21st Century | $216 |
| Hugo | $222 |
| Liberty Mutual | $255 |
San Antonio takes drunk driving seriously. City police made more than 4,400 arrests for driving while intoxicated (DWI) in 2024. According to Insurify data, 0.46% of San Antonio drivers have a DWI on their driving record.
State Farm offers San Antonio drivers with a DWI the most affordable car insurance, at an average of $65 per month for liability-only coverage.
But the most affordable insurer will vary based on your situation. For example, if you need to obtain an SR-22 proof of insurance form after a DWI conviction, you might pay even more for car insurance.
The table below highlights the cheapest rates for drivers with a DWI in San Antonio.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Premium |
|---|---|
| State Farm | $65 |
| Allstate | $89 |
| Progressive | $92 |
| Mile Auto | $94 |
| GEICO | $102 |
| USAA | $115 |
| First Acceptance | $126 |
| The General | $128 |
| Alinsco | $131 |
| Mercury | $136 |
| Lone Star | $137 |
| Commonwealth Casualty | $138 |
| GAINSCO | $140 |
| Clearcover | $142 |
| Covercube | $145 |
| Bristol West | $148 |
| Root | $149 |
| Dairyland | $152 |
| Mendota | $153 |
| AssuranceAmerica | $155 |
| Excepsure | $159 |
| Sun Coast | $159 |
| Direct Auto | $166 |
| Loop | $170 |
| National General | $172 |
| Elephant | $176 |
| Safeco | $183 |
| Chubb | $194 |
| Trexis One | $198 |
| 21st Century | $216 |
| Insurify Car | $218 |
| Hugo | $233 |
| Liberty Mutual | $272 |
Teen drivers often face the highest car insurance costs, and the trend holds true in San Antonio. As in the rest of the state, San Antonio teens can get on the road with a provisional driver’s license as early as their 16th birthday.[5]
The table below explores average car insurance costs for teen drivers in San Antonio, Texas.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Premium |
|---|---|
| State Farm | $92 |
| Allstate | $128 |
| Progressive | $129 |
| GEICO | $135 |
| Mile Auto | $139 |
| USAA | $154 |
| Root | $165 |
| Mercury | $170 |
| The General | $174 |
| First Acceptance | $176 |
| Clearcover | $177 |
| GAINSCO | $181 |
| Alinsco | $183 |
| Bristol West | $191 |
| Lone Star | $191 |
| Dairyland | $193 |
| Commonwealth Casualty | $194 |
| Covercube | $203 |
| Mendota | $215 |
| Excepsure | $222 |
| Sun Coast | $222 |
| Elephant | $232 |
| AssuranceAmerica | $232 |
| Direct Auto | $235 |
| Loop | $238 |
| Safeco | $247 |
| National General | $248 |
| Trexis One | $277 |
| Chubb | $290 |
| 21st Century | $293 |
| Insurify Car | $304 |
| Hugo | $326 |
| Liberty Mutual | $348 |
Although senior drivers have more experience behind the wheel, age-related factors could make driving hazardous for this age group. Aging drivers face higher accident risks, according to a recent study by the Texas A&M Transportation Institute. Specifically, drivers aged 80 and older are 1.2 times more likely to die in a crash than drivers aged 75 to 79. The risks come with elevated car insurance costs.
For the more than 200,000 seniors who call San Antonio home, the average car insurance cost is $179 per month for a full-coverage policy. The table below highlights the most affordable car insurance companies for senior drivers in San Antonio.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Premium |
|---|---|
| State Farm | $36 |
| Allstate | $51 |
| Mile Auto | $51 |
| Progressive | $56 |
| GEICO | $57 |
| USAA | $65 |
| Mercury | $70 |
| First Acceptance | $76 |
| The General | $79 |
| Alinsco | $80 |
| Commonwealth Casualty | $80 |
| Lone Star | $83 |
| GAINSCO | $84 |
| AssuranceAmerica | $85 |
| Bristol West | $86 |
| Covercube | $88 |
| Dairyland | $90 |
| Clearcover | $91 |
| Mendota | $93 |
| National General | $94 |
| Direct Auto | $95 |
| Root | $96 |
| Excepsure | $97 |
| Sun Coast | $97 |
| Elephant | $100 |
| Safeco | $102 |
| Chubb | $102 |
| Loop | $104 |
| Trexis One | $121 |
| 21st Century | $123 |
| Insurify Car | $132 |
| Hugo | $142 |
| Liberty Mutual | $158 |
If you’re looking for auto insurance coverage in San Antonio, the additional information below may help as you’re researching your coverage options.
San Antonio drivers pay an average of $117 per month for liability-only car insurance coverage, Insurify data shows. Full coverage averages $211 per month in the city.
State Farm offers San Antonio drivers the cheapest auto insurance, averaging $46 per month for liability-only coverage.
A $300 car insurance policy is expensive in San Antonio. The overall average cost of car insurance for San Antonio drivers is $164 per month, which would make $300 per month significantly higher than the average.
San Antonio’s higher vehicle theft rates and severe weather risks like tornadoes and hailstorms affect the city’s car insurance rates. Your driving history, vehicle type, age, gender, and coverage choices will also affect your costs.
San Antonio drivers can get a lower car insurance rate by shopping around to compare rates across multiple insurance companies, seeking out discounts, raising their deductible, and bundling auto insurance with home insurance or renters insurance.
It depends on what you mean by “temporary car insurance.” Insurers generally don’t sell policies with terms shorter than six months. But if you’re looking to avoid a large monthly payment or down payment, you have options in San Antonio.
Insurify Car, available throughout Texas, allows you to buy state-minimum coverage and pay for it just seven days at a time. You can also cancel at any time. You can even choose your own cancellation date when you buy your policy.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
Featured in
10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Featured in
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
7+ years experience in data analysis
Ph.D. in Computational Biology
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
