Cheap Car Insurance Quotes in San Antonio, Texas (2026)
State Farm is San Antonio's cheapest option for car insurance, with liability rates that start at $61 per month.
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Table of contents
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 $218 for full-coverage car insurance and $128 for liability-only policies. The city’s population density and high accident rate likely contribute to its car insurance rates, which are on par with the Texas average of $208 per month for full coverage and $117 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.
 | Full Coverage | Liability Only |
|---|---|---|
| San Antonio | $218 | $128 |
| Texas | $208 | $117 |
| National average | $173 | $99 |
Disclaimer: Table data is based on real-time San Antonio quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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 in San Antonio, TX, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 | Full Coverage | Liability Only |
|---|---|---|
| State Farm | $107 | $61 |
| Progressive | $145 | $84 |
| Allstate | $150 | $85 |
| Mile Auto | $165 | $78 |
| Mercury | $180 | $118 |
| USAA | $190 | $109 |
| GEICO | $190 | $100 |
| Root | $221 | $128 |
| Safeco | $227 | $150 |
| Clearcover | $233 | $142 |
| Direct Auto | $236 | $154 |
| Nationwide | $238 | $136 |
| Elephant | $250 | $158 |
| The General | $253 | $130 |
| Bristol West | $264 | $132 |
| National General | $264 | $154 |
| GAINSCO | $271 | $135 |
| Sun Coast | $276 | $146 |
| AssuranceAmerica | $291 | $141 |
| Commonwealth Casualty | $305 | $130 |
| Chubb | $323 | $185 |
| Liberty Mutual | $359 | $278 |
| Dairyland | $364 | $128 |
| 21st Century | $372 | $213 |
Disclaimer: Table data sourced from real-time San Antonio car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in San Antonio 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 | 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. | Average Quote: Full Coverage | Average Quote: Liability Only | Best For |
|---|---|---|---|---|
| Allstate | 8.9 | $143 | $81 | Pay-per-mile coverage |
| State Farm | 9.3 | $101 | $57 | Liability-only coverage |
| GEICO | 9.2 | $181 | $94 | Discounts |
Disclaimer: Table data is based on real-time San Antonio quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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 | 4.0 |
|---|---|
| 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. | 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. | $61/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. | $107/mo |
4.0
Best choice in San Antonio, TXBased on 15,982 verified driver 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 in San Antonio 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 in San Antonio for
Customer service
Competitive rates
Discounts for safe drivers
Showing 75 Texas reviews for San Antonio drivers - See all 7,209 State Farm reviews
Steven
Verified Review
Used to be great
Reviewed in Texas on March 11, 2026
They raise the monthly rate without letting you know. They just keep raising my rate, and no one will tell me why.
Johnny
Verified Review
Not worth the money.
Reviewed in Texas on March 7, 2026
The customer service agent is very rude, and the premiums are way too high for the coverage I wanted. They ask questions that have no regard to price.
Gordon
Verified Review
Too High Monthly Payments
Reviewed in Texas on March 5, 2026
The monthly payment is way too high. Even though I was with them for many years, the premium kept going up.
Arturo
Verified Review
Expensive Insurance
Reviewed in Texas on March 4, 2026
The insurance is okay, I guess. I've never had a claim, but they are very expensive. They are so expensive that it's getting to the point where I cannot afford it.
Tina
Verified Review
Price is too high
Reviewed in Texas on March 4, 2026
I've had my current car insurance company for over 30 years. They are okay. However, now that I'm retired and their prices keep going up, the fact that they are doing away with the defensive driving discount, and they don't offer any incentives for seniors or someone who doesn't drive as much, I had no choice but to switch companies. The new company will save me about $30.00 a month.
William
Verified Review
The price only goes up, never down or stays the same. They do not take care of people who have been with them for years. I was with them for over 20 years, and all they did was raise the premium every 6 months.
Reviewed in Texas on March 2, 2026
The price only goes up, never down or stays the same. They do not take care of people who have been with them for years. I was with them for over 20 years, and all they did was raise the premium every 6 months.
Paul
Verified Review
Helpful agents over the 60 years of having coverage with State Farm.
Reviewed in Texas on March 1, 2026
I have not had any claims in recent years. No problems over the years when there was a claim.
Percy
Verified Review
Excellent service and coverage
Reviewed in Texas on February 28, 2026
Excellent, friendly, and professional.
Barbara
Verified Review
Not a Good Proposal
Reviewed in Texas on February 26, 2026
They raised the yearly cost by thousands per year. I have had the policy for over 10 years with no claims.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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 | 4.0 |
|---|---|
| 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. | 9.2 /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. | $100/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. | $190/mo |
4.0
Best choice in San Antonio, TXBased on 16,212 verified driver 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 in San Antonio 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 in San Antonio for
Teen drivers
Cheap rates
Accident forgiveness
Showing 75 Texas reviews for San Antonio drivers - See all 7,454 GEICO reviews
James
Verified Review
Geico Is Not Cost Efficient
Reviewed in Texas on March 9, 2026
I have used Geico since 2006 on and off, and this will be my last time. They are notorious for raising my premium every renewal time. This very month I paid $188.00, and my renewal for March is $244.47—a fifty-six dollar a month increase on a 2022 Chevrolet Trax. I am on a dire fixed income and cannot afford this. I will never use Geico again. I need cheap insurance with full coverage.
Ramona
Verified Review
Don't Purchase
Reviewed in Texas on March 9, 2026
Do not buy. They don’t want to help you with a claim. They add their own coverage that is not in the policy. Very hard to get a hold of an adjuster if you need them.
Cristi
Verified Review
Price Increases at Renewal
Reviewed in Texas on March 8, 2026
I'm not going to use them again. They raise the price every time I have to renew. It's ridiculous to pay as much as I do for simple liability only.
Josh
Verified Review
Geico Two-Step
Reviewed in Texas on March 4, 2026
I have multiple insurance companies currently. Geico needs better training for their representatives. Don’t tell customers one thing and then tell the consumer the exact opposite from the next representative. I will never use Geico again, even though they are almost 50% cheaper than State Farm, Allstate, or Progressive.
Jeanette
Verified Review
Too much $$$
Reviewed in Texas on March 2, 2026
Started out well, but the price increased regularly with no claims, no accidents, and no tickets. It more than doubled in 8 years!
Zee
Verified Review
Expensive but probably a good insurance
Reviewed in Texas on February 25, 2026
It is very expensive; the Geico Auto help is very good.
Tom
Verified Review
Understand what you bought before you sign
Reviewed in Texas on February 25, 2026
Make sure they explain the policy thoroughly before you sign!
Joann
Verified Review
The Policy That Goes Up
Reviewed in Texas on February 24, 2026
I was drawn in with a low rate, then they increased it on me in 3 months.
Miguel
Verified Review
Fairness
Reviewed in Texas on February 24, 2026
They are good overall, but too expensive for my budget!
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
653NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.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 | 3.8 |
|---|---|
| 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. | $85/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. | $150/mo |
3.8
A solid option in San Antonio, TXBased on 9,570 verified driver 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 in San Antonio 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 in San Antonio for
Accident forgiveness
Wide availability
Cheap rates
Showing 75 Texas reviews for San Antonio drivers - See all 4,293 Allstate reviews
Jerome
Verified Review
Allstate
Reviewed in Texas on March 12, 2026
Excellent customer service
Roger
Verified Review
Good Coverage, But Expensive
Reviewed in Texas on March 11, 2026
Good coverage, but expensive. I only stayed with them because my homeowners insurance was cheaper after I got a new roof due to hail damage. It was a struggle, and I only got a new roof because my roofer was persistent.
Nelda
Verified Review
Way too pricey for minimum coverage. I was paying almost $600 monthly for 2 vehicles. I thought all along I had full coverage for that price.
Reviewed in Texas on March 9, 2026
Way too pricey for minimum coverage. I was paying almost $600 monthly for 2 vehicles. I thought all along I had full coverage for that price.
Tom
Verified Review
Car insurance is a monopoly
Reviewed in Texas on March 3, 2026
Insurance is outrageously expensive. Try not to put teens on your policy.
Pamela
Verified Review
Satisfied
Reviewed in Texas on February 27, 2026
Affordable
William
Verified Review
Bad assistance during a flood
Reviewed in Texas on February 26, 2026
Very disappointed in how they acted after a flood in Conroe, TX. They did okay, but when there was an issue with a flatbed truck you sent that caused some driveway damage, they did not help me at all!
Donald
Verified Review
Allstate reps are customer caring and honest.
Reviewed in Texas on February 24, 2026
Consider Allstate coverage as a good deal.
Constance
Verified Review
Taking Full Advantage of a Loyal Customer
Reviewed in Texas on February 21, 2026
My current insurer is Allstate. I had an unfortunate year in 2024. A dog ran in front of us and did major damage to our front end. A few short weeks later, an 18-wheeler blew a rear dual tire that hit our Jeep and caused us to spin and slam into a guardrail. Neither accident was our fault nor could they be avoided. The consequence was that our premiums have almost tripled and continue to rise. They know it will be difficult for us to change policies. Our credit rating is not exceptional due to a limited income and the huge rise in premiums and other bills. As soon as I can change insurance carriers, I will. No customer loyalty. I had never missed a premium.
Carlos
Verified Review
Price Increases
Reviewed in Texas on February 19, 2026
They are nice people, but they are terrible when it comes to helping out with costs. Every 6 months, the price increases and they never have a reason. All they say is, "Well, everything is going up." One time they said, "Just like eggs and milk, prices keep going up."
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
646NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02A.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.
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 | Minimum Requirements |
|---|---|
| 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:
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.
Comprehensive coverage
Comprehensive insurance provides coverage if your car is stolen, vandalized, or damaged by fire, flood, or something other than a collision.
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.
Personal injury protection (PIP)
Personal injury protection covers medical payments, lost wages, and other non-medical costs.
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.
Roadside assistance coverage
Roadside assistance coverage pays to have your car towed if it’s undrivable.
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:
A DWI
Other moving violations, such as failure to yield or running a stop sign
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 $272 for full coverage and $159 for liability-only policies. The following table shows monthly quotes for San Antonio drivers with speeding tickets.
The below rates in San Antonio, TX, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 | Full Coverage | Liability Only |
|---|---|---|
| State Farm | $135 | $77 |
| Progressive | $181 | $105 |
| Allstate | $195 | $110 |
| Mile Auto | $201 | $95 |
| USAA | $245 | $141 |
| GEICO | $248 | $130 |
| Mercury | $251 | $164 |
| Direct Auto | $294 | $192 |
| Root | $294 | $170 |
| Elephant | $298 | $189 |
| Safeco | $298 | $197 |
| Clearcover | $301 | $183 |
| Nationwide | $308 | $176 |
| GAINSCO | $322 | $160 |
| National General | $328 | $191 |
| Bristol West | $331 | $166 |
| The General | $337 | $173 |
| Sun Coast | $344 | $182 |
| Commonwealth Casualty | $359 | $153 |
| AssuranceAmerica | $369 | $179 |
| Chubb | $410 | $235 |
| Dairyland | $454 | $160 |
| Liberty Mutual | $455 | $353 |
| 21st Century | $488 | $280 |
Disclaimer: Table data sourced from real-time San Antonio car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in San Antonio 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 $286 per month for full coverage and $168 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 in San Antonio, TX, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 | Full Coverage | Liability Only |
|---|---|---|
| State Farm | $141 | $80 |
| Progressive | $191 | $110 |
| Allstate | $200 | $114 |
| Mile Auto | $222 | $105 |
| GEICO | $246 | $130 |
| USAA | $254 | $146 |
| Mercury | $271 | $178 |
| Root | $294 | $171 |
| Safeco | $316 | $209 |
| Nationwide | $319 | $182 |
| Direct Auto | $321 | $209 |
| Elephant | $325 | $206 |
| Clearcover | $339 | $206 |
| GAINSCO | $346 | $172 |
| Bristol West | $346 | $173 |
| The General | $347 | $178 |
| National General | $349 | $204 |
| Sun Coast | $363 | $192 |
| AssuranceAmerica | $386 | $187 |
| Commonwealth Casualty | $400 | $171 |
| Chubb | $427 | $245 |
| Liberty Mutual | $476 | $368 |
| Dairyland | $481 | $169 |
| 21st Century | $503 | $288 |
Disclaimer: Table data sourced from real-time San Antonio car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in San Antonio 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 $176 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 in San Antonio, TX, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 | Full Coverage | Liability Only |
|---|---|---|
| State Farm | $153 | $87 |
| Progressive | $199 | $115 |
| Allstate | $214 | $121 |
| Mile Auto | $236 | $111 |
| GEICO | $268 | $141 |
| Mercury | $268 | $175 |
| USAA | $271 | $156 |
| Root | $317 | $183 |
| Clearcover | $333 | $203 |
| Direct Auto | $337 | $220 |
| Nationwide | $340 | $194 |
| Safeco | $345 | $228 |
| Elephant | $357 | $226 |
| The General | $362 | $186 |
| Bristol West | $377 | $189 |
| National General | $377 | $220 |
| Sun Coast | $378 | $200 |
| GAINSCO | $387 | $193 |
| AssuranceAmerica | $416 | $201 |
| Commonwealth Casualty | $436 | $186 |
| Chubb | $462 | $264 |
| 21st Century | $499 | $286 |
| Liberty Mutual | $513 | $397 |
| Dairyland | $520 | $183 |
Disclaimer: Table data sourced from real-time San Antonio car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in San Antonio 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 $109 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 in San Antonio, TX, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 | Full Coverage | Liability Only |
|---|---|---|
| State Farm | $83 | $48 |
| Allstate | $121 | $68 |
| Progressive | $123 | $71 |
| Mile Auto | $128 | $61 |
| Mercury | $143 | $93 |
| GEICO | $150 | $79 |
| USAA | $153 | $88 |
| Nationwide | $181 | $103 |
| Root | $183 | $106 |
| Direct Auto | $189 | $123 |
| Safeco | $197 | $130 |
| Clearcover | $203 | $124 |
| Elephant | $205 | $129 |
| National General | $206 | $120 |
| The General | $211 | $109 |
| Bristol West | $218 | $109 |
| AssuranceAmerica | $225 | $109 |
| GAINSCO | $229 | $114 |
| Sun Coast | $235 | $124 |
| Chubb | $242 | $139 |
| Commonwealth Casualty | $244 | $104 |
| 21st Century | $290 | $166 |
| Liberty Mutual | $298 | $230 |
| Dairyland | $305 | $107 |
Disclaimer: Table data sourced from real-time San Antonio car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in San Antonio 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 can’t 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 $430 for full coverage and $252 for liability coverage. The following table shows monthly rates for teen drivers from top insurance companies in San Antonio.
The below rates in San Antonio, TX, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 | Full Coverage | Liability Only |
|---|---|---|
| State Farm | $216 | $123 |
| Progressive | $286 | $166 |
| Allstate | $309 | $175 |
| Mercury | $348 | $228 |
| Mile Auto | $353 | $167 |
| GEICO | $355 | $187 |
| USAA | $367 | $210 |
| Root | $399 | $231 |
| Clearcover | $402 | $245 |
| Elephant | $462 | $292 |
| The General | $463 | $238 |
| Direct Auto | $473 | $308 |
| Safeco | $476 | $314 |
| Nationwide | $484 | $277 |
| Bristol West | $492 | $246 |
| GAINSCO | $516 | $257 |
| Sun Coast | $544 | $288 |
| National General | $556 | $324 |
| Commonwealth Casualty | $591 | $252 |
| AssuranceAmerica | $627 | $304 |
| Dairyland | $653 | $229 |
| Liberty Mutual | $661 | $512 |
| Chubb | $694 | $397 |
| 21st Century | $700 | $401 |
Disclaimer: Table data sourced from real-time San Antonio car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in San Antonio may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near San Antonio, Texas
Drivers using Insurify have found quotes as cheap as $45/mo for liability only and $81/mo for full coverage in San Antonio and other Texas cities.
*Quotes generated for Insurify users in and around San Antonio, Texas within the last 10 days. Last updated on March 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 March 12, 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 March 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 March 12, 2026. 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 in San Antonio, TX, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| Big Spring | $87 | $193 |
| Abilene | $89 | $177 |
| Jacksonville | $97 | $210 |
| Temple | $98 | $176 |
| Victoria | $99 | $179 |
| Corsicana | $99 | $179 |
| Bryan | $101 | $195 |
| Commerce | $101 | $183 |
| Nacogdoches | $102 | $178 |
| Lufkin | $103 | $181 |
| Amarillo | $103 | $207 |
| El Paso | $103 | $191 |
| Texarkana | $104 | $164 |
| Cleburne | $104 | $160 |
| College Station | $105 | $192 |
| Midland | $106 | $205 |
| Lubbock | $106 | $209 |
| Greenville | $108 | $180 |
| Killeen | $108 | $192 |
| Odessa | $109 | $224 |
| New Braunfels | $110 | $186 |
| Grapevine | $111 | $174 |
| Waxahachie | $111 | $212 |
| Georgetown | $112 | $186 |
| Harlingen | $112 | $175 |
| Denton | $113 | $200 |
| Cedar Park | $113 | $202 |
| Burleson | $113 | $202 |
| Southlake | $114 | $178 |
| Huntsville | $116 | $185 |
| Lewisville | $117 | $193 |
| Coppell | $117 | $216 |
| Frisco | $118 | $204 |
| Leander | $119 | $199 |
| Laredo | $119 | $208 |
| Fort Worth | $119 | $210 |
| Round Rock | $119 | $204 |
| Keller | $120 | $192 |
| Mckinney | $121 | $207 |
| San Marcos | $121 | $208 |
| Friendswood | $122 | $207 |
| Irving | $123 | $227 |
| Brownsville | $124 | $199 |
| Mansfield | $124 | $223 |
| Haltom City | $124 | $203 |
| Plano | $126 | $206 |
| Duncanville | $126 | $237 |
| Montgomery | $127 | $231 |
| Forney | $128 | $230 |
| Arlington | $128 | $215 |
| San Antonio | $128 | $218 |
| Austin | $128 | $209 |
| Grand Prairie | $129 | $224 |
| Conroe | $130 | $204 |
| Galveston | $130 | $196 |
| Cleveland | $131 | $226 |
| Corpus Christi | $132 | $201 |
| League City | $132 | $205 |
| Balch Springs | $133 | $193 |
| Lancaster | $133 | $233 |
| Pflugerville | $134 | $204 |
| Rowlett | $135 | $235 |
| Dallas | $135 | $238 |
| Rockwall | $135 | $218 |
| Mesquite | $135 | $243 |
| Beaumont | $136 | $212 |
| Pearland | $137 | $227 |
| Mcallen | $137 | $217 |
| Baytown | $138 | $233 |
| Mission | $139 | $215 |
| Garland | $139 | $227 |
| La Porte | $139 | $206 |
| San Juan | $146 | $257 |
| Sugar Land | $150 | $228 |
| Fresno | $154 | $265 |
| Katy | $155 | $245 |
| Humble | $161 | $248 |
| Houston | $170 | $270 |
Disclaimer: Table data sourced from real-time San Antonio car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in San Antonio 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 $173. Full coverage in the city averages $218 per month, and liability-only insurance averages $128. 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 $61 per month. San Antonio drivers can also find affordable rates with Mile Auto and Progressive, the city’s second- and third-cheapest insurers, with liability rates of $78 and $84, 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 9.2 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 190 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:
- 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
- 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.
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Sources
- J.D. Power. "Insurers Struggle to Manage Expectations in Auto Claims Process as Repair Times Increase, J.D. Power Finds."
- Insurance Information Institute. "How to save money on car insurance."
- Texas Department of Insurance. "Auto insurance guide."
- National Highway Traffic Safety Administration. "Older Drivers."
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Written byBob Phillips
Bob Phillips
15+ years in personal finance advising and writing
Holds Chartered Life Underwriter (CLU) designation
Bob has spent 15+ years helping people plan their financial lives. As a freelance writer, he’s covered insurance, mutual funds, stocks and bonds, and more.
Featured in
Bob has spent 15+ years helping people plan their financial lives. As a freelance writer, he’s covered insurance, mutual funds, stocks and bonds, and more.
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.
Featured in
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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.