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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Reviewed byMark Friedlander
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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.
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Data reviewed byKonstantin Halachev
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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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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 $233 for full-coverage car insurance and $125 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 $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.
 | Full Coverage | Liability Only |
|---|---|---|
| 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
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 | $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 | 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 | $105 | $58 | Pay-per-mile coverage |
| State Farm | 9.3 | $74 | $41 | Liability-only coverage |
| GEICO | 9.0 | $81 | $44 | Discounts |
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 | 4.1 |
|---|---|
| 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. | 9.3 /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 |
4.1
Best choiceBased on 11,147 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 (6,007)
Florinda
May 26, 2025
Verified Review
Too much
Extremely high insurance premiums. I’m looking for something much lower than $150.
Karon
May 25, 2025
Verified Review
Lousy customer service
I was told 6 weeks ago that I had a refund coming when I switched from a homeowner's policy to a renter's policy. I never received the check. Now it's another 3 weeks before they can re-issue the check. I applied for a re-rate three weeks ago on my auto policy, as I am paying over $100 a month for driving less than 50 miles a week. I still haven't received a reply to that application.
Peggy
May 25, 2025
Verified Review
Mediocre
Addresses concerns quickly, but rates keep going up.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
851NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.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 /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 |
4.0
Best choiceBased on 11,909 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 (6,412)
Karen
May 25, 2025
Verified Review
Geico is number 1 in my book
Any dealings I have had with Geico have been excellent, so I am pleased with Geico.
Destiny
May 24, 2025
Verified Review
Great Insurance
Geico is great to deal with and has good reviews.
Carla
May 19, 2025
Verified Review
Perfect record, but keeps costing more.
Good through the years, but the cost keeps increasing.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
843NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.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 6,792 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 (3,633)
Howard
May 27, 2025
Verified Review
Used to be a good value
We have been customers for 42 years. We haven't seen any downward adjustment even though we're in North Carolina. We're looking for other quotes.
John
May 25, 2025
Verified Review
Excellent
Easy to deal with.
Jeannine
May 24, 2025
Verified Review
It's better with Allstate
With Allstate, my policy is lower with full coverage on my Charger than without it. With my Jeep also, the total premium is less than what I've been quoted elsewhere.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
832NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.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 | 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.
Find Car Insurance in San Antonio, TX
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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
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 | $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
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 | $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
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 | $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
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 | $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 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 $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
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 | $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 Hyundai, Chevrolet, Jeep , and more.
*Quotes generated for Insurify users in and around San Antonio, Texas within the last 10 days. Last updated on May 28, 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 28, 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 28, 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 28, 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
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 |
|---|---|---|
| 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 city’s 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
- 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."
)
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.
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
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.
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.