Cheap Car Insurance Quotes in San Antonio, Texas (2025)

State Farm is San Antonio's cheapest option for car insurance, with liability rates that start at $39 per month.

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Cheapest recent rates near San Antonio, Texas

Recent San Antonio, Texas car insurance prices for Volkswagen, Ford, Jeep , and more.

*Quotes generated for Insurify users in and around San Antonio, Texas within the last 10 days. Last updated on May 1, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 1, 2025. 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 May 1, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 1, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
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As the second-most-populated city in one of the fastest-growing states in the country, San Antonio, Texas, residents are frequently faced with rising prices. That includes the price they pay for car insurance.

San Antonio residents pay average monthly costs of $233 for full-coverage car insurance and $125 for liability-only policies. The citys population density and high accident rate likely contribute to its car insurance rates, which are on par with the Texas average of $231 per month for full coverage and $121 for liability.

Here’s what you should know about finding car insurance in San Antonio.

Quick Facts
  • State Farm offers the cheapest car insurance in San Antonio.

  • Coverage in San Antonio is cheaper than in other large Texas cities, like Dallas and Houston.

  • The minimum insurance requirements in Texas include bodily injury liability of $30,000 per person, $60,000 per accident, and property damage liability of $25,000.  

How much is car insurance in San Antonio, TX?

San Antonio car insurance costs are similar to average costs in Texas, but they’re higher than the nationwide average. Check out the table below to see how San Antonio car insurance rates compare.

 
sort ascsort desc
Full Coverage
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Liability Only
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San Antonio$233$125
Texas$231$121
National average$195$105
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance companies in San Antonio

The cheapest car insurance company for you might not be the same as the cheapest company for your neighbor, since your rates depend on so many different factors. The insurers in the table below offer some of the cheapest car insurance rates to San Antonio drivers.

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
State Farm$74$39
GEICO$81$42
Allstate$106$55
Mile Auto$121$59
USAA$133$70
Mercury$166$93
Nationwide$167$88
Progressive$177$102
Root$197$104
Safeco$198$122
Clearcover$218$133
Chubb$226$120
Direct Auto$247$132
Elephant$251$151
National General$259$132
21st Century$261$138
The General$270$132
Bristol West$280$135
AssuranceAmerica$293$134
Dairyland$299$114
Liberty Mutual$338$241
GAINSCO$366$171
Commonwealth Casualty$382$137
Foremost$489$224
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Best car insurance companies in San Antonio

If you’re searching for car insurance in San Antonio, keep in mind that one size doesn’t fit all. The best company for you may be different from someone else. Choosing the right insurance policy for you depends on your individual situation and needs.

The following table highlights important information about some top insurance companies serving San Antonio, including the companies’ average rates for the state of Texas.

Insurance Company
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IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
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Average Quote: Full Coverage
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Average Quote: Liability Only
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Best For
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Allstate8.9$105$58Pay-per-mile coverage
State Farm9.3$74$41Liability-only coverage
GEICO9.0$81$44Discounts
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

State Farm: Best for liability-only coverage

User Reviews
4.2
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$39/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$74/mo
4.2
Best choiceBased on 10,782 verified guest reviews and ratings
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,889)

Erwin

April 30, 2025

Verified Review

Do not feel like a valued customer

Rate hikes without notice or justification.

Nancy

April 30, 2025

Verified Review

Like a good neighbor?

Expensive! I've been with State Farm for 45 years, and customer service has gone downhill.

Michael

April 29, 2025

Verified Review

Excellent

Cheap and local.
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
851
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

State Farm is a group of mutual insurance companies with headquarters in Bloomington, Illinois. Founded in 1922, it’s the largest property, casualty, and auto insurance company in the U.S. by market share.

Pros
  • AM Best financial strength rating of A++ (Superior)

  • Highest-rated auto insurer for customer service by J.D. Power in 2022

  • Discounts available for safe drivers and young drivers

Cons
  • Coverage not available online

  • Policies only sold by captive State Farm agents

  • Gap insurance and accident forgiveness coverage not available

GEICO: Best car insurance for discounts

User Reviews
4.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$42/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$81/mo
4.1
Best choiceBased on 11,633 verified guest reviews and ratings
How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,325)

Phyllis

April 30, 2025

Verified Review

Geico was wonderful taking care of my accident, but then increased my insurance payment by 50%

I liked Geico until I had an accident. I backed up into a dumpster that was very low and I couldn't see it. Now I am paying about 50% more for insurance.

Pamela

April 30, 2025

Verified Review

Insurance

It was cheaper than Progressive.

Michael

April 29, 2025

Verified Review

Great company

Very pleased with all aspects of the company.
See all GEICO reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
843
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

GEICO, an indirect, wholly owned subsidiary of Berkshire Hathaway, is the third-largest private passenger auto insurer in the U.S. In 2022, GEICO wrote $38.1 billion in direct premiums.

Pros
  • 24/7 online customer service, 365 days a year

  • Nine affiliated companies to meet drivers’ insurance needs

  • Comprehensive mobile app

Cons
  • Coverage not available online

  • Lower J.D. Power claims satisfaction rating than State Farm and Allstate[1]

  • Gap and rideshare coverage not available

Allstate: Best car insurance for pay-per-mile coverage

User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.9 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$55/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$106/mo
4.0
Best choiceBased on 6,610 verified guest reviews and ratings
How drivers feel about Allstate

Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.

AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate

Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.

AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,579)

Jason

April 30, 2025

Verified Review

Zip code increases

I have never been in favor of my rates increasing when I have no claims.

Larry

April 30, 2025

Verified Review

Excellent

Good service, but like all insurance companies, they never drop rates.

Enrico

April 30, 2025

Verified Review

Not Bad

Not bad, but it was too expensive for me.
See all Allstate reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
832
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company

Allstate was founded in 1931 by Chicago department store Sears, Roebuck and Co. Its corporate headquarters is in Glenview, Illinois, and it’s a component of the S&P 500, as one of the largest companies in America.

Pros
  • Auto insurance sold by Allstate's exclusive agents as well as independent agents

  • Many local agents in the San Antonio area

  • Offers new-car replacement, accident forgiveness, and safe driving perks

Cons
  • Only sold through Allstate agents

  • 1.5 (out of 5) stars on Trustpilot

  • More expensive than some competitors

How to get the cheapest car insurance in San Antonio

Here are some tips to help you find cheap car insurance in the Alamo City:[2]

  • Maintain a good driving record.

  • Carry a higher deductible.

  • Don’t over-insure if you have an older vehicle.

  • Get multiple quotes.

Attaining three or more quotes from different insurers is a great way to compare plans — and premiums — against one another to find the policy that works best for you.

Car insurance requirements in Texas

Texas is an at-fault (or tort) state. This means the person who caused the accident is responsible for paying damages to the other party in the crash.

Texas also requires all drivers to carry car insurance, and your coverage must meet these legal minimum requirements:[3]

Coverage
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Minimum Requirements
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Bodily injury liability$30,000 per person / $60,000 per accident
Property damage liability$25,000

Remember that carrying only the minimum amount of car insurance can be very costly if you cause a multi-vehicle accident or the other driver’s car is totaled. 

Insurance professionals recommend that you consider adding these optional coverages:

  • illustration card https://a.storyblok.com/f/162273/150x150/0ee044afbd/car-and-driving-96x96-orange_039-car-accident.svg

    Collision coverage

    Collision insurance pays to repair or replace your vehicle after a collision with another vehicle, or an object like a tree, fence, or light pole. It also provides coverage for rollover accidents and pothole damage.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance provides coverage if your car is stolen, vandalized, or damaged by fire, flood, or something other than a collision.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments

    Medical payments coverage pays your and your passengers’ medical bills or if you’re hurt while being a passenger in someone else’s car.

  • illustration card https://a.storyblok.com/f/162273/150x150/0f334ec089/insurify-icons-auto-blue-96x96_045-document.svg

    Personal injury protection (PIP)

    Personal injury protection covers medical payments, lost wages, and other non-medical costs.

  • illustration card https://a.storyblok.com/f/162273/150x150/95fa30ac35/insurify-icons-auto-orange-96x96_005-insurance.svg

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist coverage pays if you’re involved in an accident with someone without car insurance or the other party doesn’t have enough coverage to pay your medical and repair bills. It also covers hit-and-run incidents. Texas law requires insurers to offer uninsured/underinsured motorist coverage by default, but you can decline the coverage in writing.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance coverage

    Roadside assistance coverage pays to have your car towed if it’s undrivable.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental reimbursement coverage

    This pays car rental costs if your car is stolen or being repaired after an accident.

Cheapest car insurance for drivers with an incident

When you leave your home or office, the last thing you want is to be involved in a driving incident, such as:

Unfortunately, if an incident happens while you’re driving, you’ll likely see your car insurance rates increase.

In San Antonio, for example, your liability-only rates will increase from $62 to $84 per month with State Farm if you have a speeding ticket.

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Cheapest car insurance for drivers with a speeding ticket: State Farm

Speed is a main factor in many auto injuries and deaths, so insurance companies typically raise your rates if you’re issued a speeding ticket. In addition, the more tickets you accumulate, the higher your rates will climb. Driving the speed limit and avoiding tickets will not only keep your rates lower; in some cases, it could earn you a discount.

San Antonio drivers with speeding tickets pay average monthly car insurance rates of $314 for full coverage and $168 for liability-only policies. The following table shows monthly quotes for San Antonio drivers with speeding tickets.

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
State Farm$94$49
Allstate$135$70
Mile Auto$151$74
USAA$170$89
Nationwide$215$113
Progressive$228$131
Mercury$229$129
Safeco$260$160
Root$276$146
Clearcover$286$174
Chubb$290$154
Elephant$317$191
Direct Auto$318$170
National General$330$168
21st Century$343$181
The General$360$176
Bristol West$363$175
AssuranceAmerica$367$168
Dairyland$383$146
Liberty Mutual$459$327
GAINSCO$497$232
Commonwealth Casualty$518$186
Foremost$664$304
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: State Farm

Insurance companies will typically raise your rates if you cause an accident while driving. And if you have multiple accidents on your driving record, it could possibly result in your insurer deciding to not renew your policy.

At-fault accidents push average car insurance rates in San Antonio to $324 per month for full coverage and $174 for liability coverage. Here, you can see an example of the rates you could pay with an at-fault accident in San Antonio.

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
State Farm$97$51
Allstate$141$73
Mile Auto$163$79
USAA$177$93
Nationwide$224$118
Mercury$240$135
Progressive$242$139
Safeco$275$169
Root$284$150
Chubb$300$159
Clearcover$323$197
Elephant$333$200
Direct Auto$337$180
National General$340$173
21st Century$354$187
The General$369$181
Bristol West$373$180
AssuranceAmerica$374$171
Dairyland$396$151
GAINSCO$471$220
Liberty Mutual$474$338
Commonwealth Casualty$505$181
Foremost$685$314
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DWI: State Farm

If you’re convicted of driving while intoxicated (DWI), your rates will take a more significant jump than for other violations. DWIs stay on your record permanently in Texas, which will keep your rates higher.

Liability-only policies average $199 per month with a DWI in San Antonio. The following table shows rates from top insurance companies for San Antonio drivers with DWIs.

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
State Farm$119$62
Allstate$170$88
Mile Auto$194$94
USAA$213$112
Mercury$256$144
Nationwide$267$141
Progressive$283$163
Root$290$153
Safeco$311$192
Clearcover$349$213
Chubb$362$192
Direct Auto$396$211
Elephant$402$242
National General$415$211
21st Century$418$221
The General$432$211
Bristol West$448$216
AssuranceAmerica$469$215
Dairyland$479$183
Liberty Mutual$541$386
GAINSCO$586$274
Commonwealth Casualty$612$219
Foremost$783$359
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: State Farm

Although seniors typically drive fewer miles than younger drivers, their rates start to increase as they age. While car insurance rates begin to drop when a driver turns 25, they increase for senior drivers in their 70s and 80s. Slower reflexes and vision and hearing impairments are often cited as reasons seniors are involved in more accidents, which reflects the rate increase.[4]

Car insurance for senior drivers in San Antonio averages $185 per month for full coverage and $99 for liability coverage. Fortunately, many insurers in the San Antonio area still offer affordable liability-only coverage for senior drivers, as you can see from the monthly averages in the table below.

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
State Farm$56$29
Allstate$83$43
Mile Auto$89$43
USAA$104$54
Nationwide$121$64
Progressive$123$71
Mercury$131$73
Chubb$161$86
Root$165$87
Safeco$166$102
Clearcover$184$112
Direct Auto$186$100
21st Century$192$101
National General$192$98
Elephant$193$116
The General$211$103
AssuranceAmerica$220$101
Bristol West$220$106
Dairyland$235$89
Liberty Mutual$274$195
GAINSCO$296$138
Commonwealth Casualty$296$106
Foremost$385$176
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: State Farm

Insurers consider teen drivers to be a higher risk than adults due to their inexperience and tendency to be more distracted while driving. If you’re a young driver, you can lower your insurance costs by staying on your parents’ car insurance policy, getting a safer car, earning a good student discount (“B” average or better), or a student-away-at-college discount.

Minor teens cant buy a car insurance policy without the written consent of a parent or guardian. In San Antonio, car insurance for teen drivers costs a monthly average of $450 for full coverage and $241 for liability coverage. The following table shows monthly rates for teen drivers from top insurance companies in San Antonio.

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
State Farm$140$74
Allstate$209$108
USAA$245$129
Mile Auto$254$124
Mercury$317$177
Nationwide$323$170
Root$324$171
Progressive$335$193
Safeco$413$254
Clearcover$430$262
Elephant$450$271
The General$464$227
Chubb$479$255
21st Century$487$258
Direct Auto$493$264
Dairyland$509$194
Bristol West$511$246
National General$536$273
AssuranceAmerica$573$262
Liberty Mutual$619$441
GAINSCO$688$322
Commonwealth Casualty$708$254
Foremost$939$430
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near San Antonio, Texas

Recent San Antonio, Texas car insurance prices for Ford, Honda, KIA , and more.

*Quotes generated for Insurify users in and around San Antonio, Texas within the last 10 days. Last updated on May 1, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 1, 2025. 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 May 1, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 1, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

San Antonio car insurance quotes by credit tier

In Texas, unlike some other states, insurers can use your credit history as a factor when calculating your insurance rates. Insurance companies charge people with poor credit scores higher insurance rates than drivers with excellent or good credit scores.

These are the average full-coverage car insurance rates in San Antonio by credit tier:

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Cost of car insurance in other Texas cities

Here’s how San Antonio’s average monthly auto rates compare to other major metro areas in Texas.

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

City
sort ascsort desc
Average Quote: Liability Only
sort ascsort desc
Average Quote: Full Coverage
sort ascsort desc
Abilene$94$199
El Paso$99$200
Killeen$106$214
Amarillo$106$235
Midland$107$231
Odessa$108$250
Lubbock$108$218
Laredo$110$206
San Marcos$111$234
Huntsville$112$231
Brownsville$116$212
Denton$118$227
Fort Worth$120$232
San Antonio$125$233
Plano$126$234
Arlington$126$239
Grand Prairie$129$257
Galveston$129$226
Irving$129$248
Mesquite$130$249
Corpus Christi$131$230
Dallas$132$267
Mcallen$132$227
Austin$132$231
Garland$133$248
Beaumont$141$248
Houston$172$311
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

San Antonio car insurance FAQs

If you’re looking for car insurance in San Antonio, the additional information below may help as you’re researching your coverage options.

  • How much is car insurance in San Antonio?

    The total monthly average cost of car insurance in San Antonio is $179. Full coverage in the city averages $233 per month, and liability-only insurance averages $125. Your actual car insurance costs will depend on many factors that may push your rates higher or lower than the city’s average.

  • Which company has the cheapest car insurance in San Antonio?

    State Farm offers the cheapest car insurance in San Antonio, with liability rates averaging $39 per month. San Antonio drivers can also find affordable rates with GEICO and Allstate, the citys second- and third-cheapest insurers, with liability rates of $42 and $55, respectively.

  • What are the best car insurance companies in San Antonio?

    State Farm, GEICO, and Allstate all rank as some of the best insurers for customers in San Antonio. Each has an impressive IQ Score, with State Farm and GEICO scoring a 9.3 and 9.0 out of 10, and Allstate scoring 8.9. All three have solid financial stability ratings from AM Best, and State Farm has the best customer service in the industry, according to J.D. Power.

  • Is car insurance cheaper with two cars?

    Yes and no. While your monthly premium will be higher insuring two vehicles, most insurers will offer you a discount, allowing you to pay a lower premium than if you insure each vehicle separately.

  • What comes first: Buying a car or getting car insurance?

    You must have car insurance to drive a vehicle in Texas. This insurance must meet the minimum required amounts of $30,000 per person and $60,000 per accident in bodily injury liability and $25,000 in property damage liability.

Methodology

Insurify data scientists analyzed more than 90 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 50+ 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:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Related articles

Sources

  1. J.D. Power. "Insurers Struggle to Manage Expectations in Auto Claims Process as Repair Times Increase, J.D. Power Finds."
  2. Insurance Information Institute. "How to save money on car insurance."
  3. Texas Department of Insurance. "Auto insurance guide."
  4. National Highway Traffic Safety Administration. "Older Drivers."
Bob Phillips
Bob Phillips

Having spent more than 15 years helping people plan their lives financially, Bob
mastered many different financial products to help people achieve their financial
goals, including life insurance, disability insurance, mutual funds, and stocks and
bonds. He earned the Chartered Life Underwriter (CLU) designation and held
numerous securities licenses. Bob is an internationally published poet and is now
a freelance writer living in North Texas with his wife and Doberman puppy.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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Mark Friedlander
Reviewed byMark FriedlanderSenior Director, Media Relations, Triple-I
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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