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Cheap Auto Insurance Quotes in San Antonio, TX (May 2022)

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Olivia Oksenhorn

By: Olivia Oksenhorn

Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

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Not everything's bigger in Texas.

Shrink your auto insurance costs in San Antonio today. 

Car travel is the main mode of transportation for nearly 1.5 million San Antonio residents. Finding the right car insurance policy for you and your lifestyle is an important step towards safe driving in San Antonio. Search and save on the best car insurance policies in San Antionio today. 

Quick Facts

  • The average cost of car insurance in San Antonio is $231 per month, or $2772 annually.
  • Car insurance in San Antonio is $16 more than the average cost of car insurance in Texas.
  • The cheapest car insurance provider in San Antonio on average is Mile Auto, but you should always compare quotes to find your best personal rate.

Car Insurance in San Antonio, TX

The average cost of Texas car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in San Antonio, TX to find you the cheapest quotes in the area.

Quotes by Top Companies

GEICO
$127
State Farm
$175
Nationwide
$196
Mercury
$238
American Family
$242

Cheapest Car Insurance in San Antonio, TX

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in San AntonioQuotes
GEICO$127 /mo
State Farm$175 /mo
Nationwide$196 /mo
Mercury$238 /mo
American Family$242 /mo

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Best Car Insurance in San Antonio, TX

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in San Antonio. For the complete list, see Insurify's best car insurance companies.
Best CompaniesScoreQuotes
Clearcover97$139 /mo
Nationwide89$271 /mo
American Family89$276 /mo
Safeco86$208 /mo
Liberty Mutual82$308 /mo

Average Car Insurance Cost

Texas Cities
Houston$222/mo
Dallas$258/mo
Austin$203/mo
Fort Worth$191/mo
San Antonio$225/mo
Texas$220/mo
Fort Worth
$191
Austin
$203
Average for TX
$220
Houston
$222
San Antonio
$225
Dallas
$258
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in TX

All motor vehicles operated or parked on Texas roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Texas are as follows:

  • $30,000/$60,000 bodily injury liability per person/accident

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Texas state law are $30,000 for the death or injury of a single victim as a result of a car accident and $60,000 for the deaths or injuries of multiple victims. Insurance providers list this type of coverage as 30/60, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Texas law.

  • $25,000 propery damage liability per accident

The state minimum amount of property damage liability coverage required in the state of Texas is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

San Antonio Car Insurance Rates by Driver Age

While being young has its perks, it’s good to grow older in San Antonio—at least as far as driving is concerned. Why? Insurance claims peak for young drivers here, so the older you get (on average), the lower your monthly insurance premiums become. While twentysomething San Antonio drivers pay an average of $291 per month to insure their rides, drivers in their 30s and up enjoy premiums that are on average $72 lower than these younger drivers. A sweeter deal indeed!

Driver's AgeAvg. Monthly Cost
teens$505
20s$292
30s$224
40s$235
50s$233
60s$206
70s$205
80s$262

San Antonio Car Insurance Rates by Driving and Accident History

Though driving mistakes can work themselves off your insurance in time, it still hurts when they hit. San Antonio drivers with no violations on their record enjoy an average of $240 in monthly insurance premiums. However, just rolling through a red light can increase that rate almost $50 to $289 a month. Speeding can do similar financial damage. The average monthly insurance premium in San Antonio for those with a speeding violation on their record is $292.

Driving HistoryAvg. Monthly Cost
No Violation$241
Speeding Ticket$293
At-Fault Accident$301
Failure to Stop for Red Light / Stop Sign$290

San Antonio Car Insurance Rates by Credit Tier

If you’re not one to give much thought to your credit score, you should. Just like age, ZIP code, and the kind of car you drive all factor into your insurance rates, so does your credit rating. Paying bills on time is just one way to make sure you are keeping your credit score in check. Drivers in San Antonio with an excellent credit score can expect to pay an average of $240 a month in car insurance premiums.

Credit TierAvg. Monthly Cost
Excellent$241
Good$263
Average$247
Poor$250

Find local San Antonio agents

  • Whitaker Insurance Associates, Inc. 

    8626 Tesoro Dr #310,
    San Antonio, TX 78217
  • Tom Hotaling Insurance Agency 

    7300 Blanco Rd. Suite 102,
    San Antonio, TX 78216
  • IBC Insurance Agency, Ltd. 

    5300 Walzem Rd. Ste. 200,
    San Antonio, TX 78218
  • Dan Kay Insurance

    9301 Broadway Ste. 100,
    San Antonio, TX 78217
  • Anglesey Insurance Agency, LLC 

    13620 NW Military Hwy.,
    San Antonio, TX 78231
  • ARM Insurance Agency, Inc. 

    1534 W Contour Dr Ste 101,
    San Antonio, TX 78212
  • CS Innovative Insurance Solutions 

    1813 Grandstand Dr,
    San Antonio, TX 78238
  • Unified Insurance Agency 

    9650 Datapoint Dr,
    San Antonio, TX 78229
  • AllWide Insurance Agency 

    1100 NW Loop 410 Ste 700,
    San Antonio, TX 78213-2258
  • Prystash Insurance Agency 

    P.O. Box 17926,
    San Antonio, TX 78217
View more

San Antonio DMV Information

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

Public Transportation in San Antonio

The city of San Antonio offers residents and visitors expansive public transit options througout the city and into surrounding areas. the METRORail offers commuters and tourists access to the building downtown neighborhood and NRG Park to the Museum District and Texas Medican Center. Other lines connect the Theatre District and stadium. San Antionio's bus system runs through most streets, making frequent stops. With a fleet of over 1,200 buses, you'll never find yourself waiting too long. Greenlink buses are a free service providing the city connecting downtown with 18 stops throughout the city.

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

Even with these services available, most San Antionio residents drive cars in and around the city. In fact, over 93 percent of households own vehicles, leading to frequent traffic jams around the city. Make sure you're covered before you hit the road.

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

As American drivers know too well, enough of their precious time is wasted sitting in traffic each year. There’s no need to waste more time finding the perfect auto insurance policy.

Use Insurify to find the best rates available by comparing dozens of insurance quotes in just a few seconds.

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

FAQs - San Antonio, TX Car Insurance

  • In the state of Texas, drivers are allowed to operate a vehicle using a valid, unexpired foreign license for up to one year or until they become a Texas resident. Once a person has legally become a Texas resident, they have 90 days to apply for and obtain a Texas license to continue to drive. It is also recommended to obtain an International Driving Permit (IDP) before driving in the United States. An IDP is not a driver’s license, but simply a translation of your permission to drive in your home country. Both forms of documentation must be present to prove your permission to drive in the United States. IDPs must be obtained in your home country.In addition to a driver’s license, foreign drivers must purchase car insurance before driving in Texas. For long-term driving in the States, it will be necessary to purchase traditional car insurance. For the cheapest car insurance options personalized to you, use Insurify to compare quotes.
  • Driving uninsured puts yourself and the drivers and passengers in the cars around you in great danger. You should never drive uninsured. Penalties for driving uninsured are severe and may include driving privilege and vehicle registration suspensions, revocation of license plates, statutory fees, reinstatement fees, and Texas State SR-22 requirements.
  • To legally drive in Texas, vehicles must carry liability insurance, even if they are just parked on the road. Bodily injury and property damage coverage are required as the minimum coverage in the state. Supplemental coverage for further protection in the case of an accident can be obtained in the form of comprehensive, collision, loan/lease payoff, medical payments, rental car reimbursements, roadside assistance, and uninsured motorist protection. Insurance agencies offer these options for further coverage in the case of an accident caused by or involving your vehicle. As insurance products become more comprehensive, so does the protection. While cheap auto insurance is what some drivers are in the market for, other drivers prefer to have the highest coverage.
  • Driving uninsured puts yourself, your passengers, your property, and everyone around you in danger. Never drive uninsured. In the state of Texas, if a driver is found to be driving uninsured, punishments can have major, costly, and long-term repercussions. For the first offense of driving without financial responsibility, drivers will receive four points on their license, hundreds in fines, and license suspension. They may also be mandated to file SR-22 insurance.
  • The best way to get the cheapest car insurance in San Antonio and save on your auto insurance premium is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high-risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Insurify Insights

How San Antonio Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in San Antonio, Texas below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how San Antonio drivers measure up to their fellow motorists across Texas in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

ford

Ford F-Series Pickup

Most Popular Car in San Antonio

#133

City with the Most Speeding Tickets Rank in Texas

#183

City with the Most Moving Violations Rank in Texas

#114

City with the Most DUIs Rank in Texas

#83

City with the Most Suspended Licenses in Texas

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. San Antonio drivers rank 118 in the number of car accidents per driver across all cities in Texas.

    • Rank within state: #118
    • Percent of drivers in San Antonio with an accident: 9.1%
    • Drivers in San Antonio, TX with an accident in their driving history pay on average 34.78% more than drivers with a clean record
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Texas, San Antonio drivers rank 133 in the number of speeding infractions per driver.

    • Rank within state: #133
    • Percent of drivers in San Antonio with a speeding ticket: 7.94%
    • Drivers in San Antonio, TX with a speeding ticket in their driving history pay on average 29.95% more than drivers with a clean record
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. San Antonio drivers rank 114 in the number of DUI’s per driver across all cities in Texas.

    • Rank within state: #114
    • Percent of drivers in San Antonio with a DUI: 1.19%
    • Drivers in San Antonio, TX with a DUI in their driving history pay on average 0% more than drivers with a clean record
  • Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in San Antonio is the Ford F-Series Pickup.

  • The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Texas, San Antonio drivers rank 85 in rude driving infractions.

    • Rank within state: #85
    • Percent of drivers in San Antonio with a reckless driving violation: 1.12%
    • Drivers in San Antonio, TX with a reckless driving violation in their driving history pay on average 26.09% more than drivers with a clean record.
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; San Antonio drivers rank 28 in clean driving records across all cities in Texas.

    • Rank within state: #28
    • Percent of drivers in San Antonio with clean record: 83.73%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. San Antonio drivers rank 2 in failure to yield violations per driver across all cities in Texas.

    • Rank within state: #2
    • Percent of drivers in San Antonio with a failure to yield violation: 0.17%
    • Drivers in San Antonio, TX with a failure to yield violation in their driving history pay on average 1500% more than drivers with a clean record
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Texas, San Antonio drivers rank 21 in the number of reckless driving offenses per driver.

    • Rank within state: #21
    • Percent of drivers in San Antonio with a reckless driving offense: 0.02%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. San Antonio drivers rank 62 in hybrid and electric vehicle ownership across all cities in Texas.

    • Rank within state: #62
    • Percent of drivers in San Antonio with a hybrid/electric vehicle: 1.12%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Olivia Oksenhorn
Olivia Oksenhorn
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Content Specialist at Insurify

Olivia Oksenhorn is an SEO content specialist at Insurify and received a BA in English Literature from the University of Colorado. Before starting at Insurify, she worked as a freelance writer and in newsrooms and nonprofits across Colorado. Born and raised in the mountains, Olivia is a lover the outdoors and spends her spare time adventuring in nature whenever and wherever she can.

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