Cheapest Car Insurance Quotes in San Antonio (2024)

State Farm is San Antonio's cheapest option for car insurance, with liability rates that start at $38 per month.

Bob Phillips
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Bob Phillips
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Mark Friedlander
Reviewed byMark Friedlander
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Konstantin Halachev
Data reviewed byKonstantin Halachev
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Konstantin HalachevVice President of Engineering
  • 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.

Updated March 1, 2024 at 11:00 AM PST

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As the second most-populated city in one of the fastest-growing states in the country, San Antonio, Texas, residents are frequently faced with rising prices. That includes the price they pay for car insurance.

San Antonio residents face average monthly costs of $241 for full-coverage car insurance and $124 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 $247 per month for full coverage and $119 for liability.

If you live in San Antonio, you can find an affordable auto policy that matches your needs by comparing coverage from different companies, including the city's three cheapest options: State Farm, GEICO, and Mile Auto.

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 body injury liability of $30,000 per person, $60,000 per accident, and property damage liability of $25,000.  

Cheapest car insurance companies in San Antonio

If you’re searching for cheap car insurance in San Antonio, keep in mind that one size doesn’t fit all. The best coverage 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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Average Monthly Quote: Full CoverageAverage Monthly Quote: Liability OnlyBest for
Allstate4.2$90$54Pay-per-mile
State Farm4.5$64$38Liability-only
GEICO4.2$70$42Discounts
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.
  • Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

    Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

In the data presented below, you’ll see State Farm offers the cheapest car insurance in San Antonio for drivers with clean driving records, as well as those with:

  • A speeding ticket

  • An at-fault accident

  • A DWI

State Farm also has the best car insurance rates for senior and teen drivers.

The chart below shows how State Farm and its two closest competitors in San Antonio, GEICO and Allstate, compare with one another.

State Farm: Best for liability-only

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
851
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.
$38/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.
$64/mo

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[1]

  • 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

I am happy with their coverage. I just bought a new car, and my insurance quadrupled. YIKES.

Stacy - December 4, 2023
Verified

Friendly service.

John - December 4, 2023
Verified

Got insurance established fast.

Robert - December 3, 2023
Verified
Read our State Farm review

GEICO: Best car insurance for discounts

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
843
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.
$70/mo

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

Everything good except the price.

RAY - December 4, 2023
Verified

I have not had problems; prices just remain high with little to no customer service and little benefit from 26+ years of customer loyalty.

Elizabeth - December 3, 2023
Verified

I had been with them a few years until they started raising my rates every time I was up for renewal. I got a new quote from another company that was $50 less than GEICO for the same coverage. That's not how to show customer loyalty, and it's the reason GEICO lost me as a customer.

Denise - December 3, 2023
Verified
Read our GEICO review

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

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
832
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.
$54/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.
$90/mo

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

Our agent was always available for questions and concerns.

Lyn - December 4, 2023
Verified

Prices keep going up.

Gilberto - December 2, 2023
Verified

They are overcharging me for basic insurance.

Brian - November 29, 2023
Verified
Read our Allstate review

How to get the cheapest car insurance in San Antonio

With a bit of time and effort, you can find cheap car insurance in San Antonio. Avoiding moving violations, accidents, and DWIs will help you keep your rates low. Insurers reward safe drivers with better rates.

Here are a few other tips to help you find cheap car insurance in the Alamo City:

  1. Maintain a good driving record.

  2. Carry a higher deductible.

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

  4. 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.

Cheapest liability-only car insurance in San Antonio: State Farm

When you look at rates only, you’ll find liability-only car insurance more affordable than full coverage. However, depending on your needs, you may determine that liability-only car insurance doesn’t provide the protection you need.

For example, a major drawback of liability-only car insurance is that it doesn’t cover damage to your car in an accident you cause. This can lead to heavy out-of-pocket expenses, especially if you have a newer model car. Collision insurance covers damage to your vehicle regardless of who’s responsible for an accident.

However, San Antonio property and casualty insurance agent Jordan Gallegos, of Hippo Insurance, cites several instances where liability-only insurance may be appropriate. “In the event the premium (average years of premium per accident) outweighs the vehicle value, you’d be paying more in insurance than you (might receive for a claim) if it was totaled,” he says.

If you’re curious about your liability coverage options in San Antonio, these insurers offer the cheapest liability-only car insurance in the area:

The below rates are estimated rates current as of: Friday, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Monthly Quote
State Farm38
GEICO42
Mile Auto51
Hugo53
Allstate54
USAA69
Safeco81
Nationwide92
Mercury94
Midvale Home & Auto97
Progressive97
Clearcover104
Dairyland104
Chubb117
National General120
Liberty Mutual125
Elephant126
Commonwealth Casualty129
Direct Auto133
21st Century135
GAINSCO147
The General147
Bristol West162
State Auto174
AssuranceAmerica182
Infinity183
Foremost214
Hallmark230
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 full-coverage car insurance in San Antonio: State Farm

If you drive a newer-model car, you may find full-coverage car insurance the more beneficial solution. Unlike liability-only coverage, which doesn’t cover damage to your vehicle, full-coverage car insurance includes liability, comprehensive, and collision coverage. This provides you with financial protection regardless of who caused the accident.

Here’s a look at the top insurers in San Antonio offering full-coverage car insurance.

The below rates are estimated rates current as of: Friday, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Monthly Quote
State Farm64
GEICO70
Allstate90
Mile Auto102
USAA114
Clearcover138
Hugo144
Mercury150
Nationwide162
Travelers163
Progressive172
Midvale Home & Auto174
Safeco175
Chubb194
Elephant203
21st Century224
AssuranceAmerica238
Direct Auto254
Liberty Mutual255
Dairyland262
National General267
Infinity278
The General298
Bristol West300
GAINSCO319
State Auto320
Commonwealth Casualty329
Foremost426
Hallmark450
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.

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:

CoverageMinimum Requirements
Bodily injury liability$30,000 per person and $60,000 per accident
Property damage liability$25,000

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

Insurance professionals recommend that you consider adding these optional coverages:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

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

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

    Comprehensive (other than collision) coverage

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

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

    Medical payments

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

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Personal injury protection (PIP)

    This covers medical payments, lost wages, and other non-medical costs.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

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

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

    Roadside assistance coverage

    This pays to have your car towed if it’s undrivable.

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

    Rental reimbursement coverage

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

Cheapest car insurance for drivers with an incident

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

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

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

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 are prone to raising 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 see average monthly car insurance rates of $335 for full coverage and $173 for liability-only policies. The following table illustrates monthly quotes for San Antonio drivers with speeding tickets.

The below rates are estimated rates current as of: Friday, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyFull CoverageLiability Only
State Farm8048
GEICO8953
Allstate11468
USAA14487
Mile Auto15075
Clearcover188142
Hugo20174
Nationwide208118
Mercury218137
Progressive227128
Safeco240111
Chubb250151
Elephant260161
21st Century297179
AssuranceAmerica326250
Direct Auto336176
National General340153
Dairyland343136
Liberty Mutual348171
Infinity373246
Bristol West387209
The General391193
GAINSCO395182
Commonwealth Casualty406159
State Auto424231
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

Everyone makes mistakes, but causing an accident when you’re driving is a surefire way to have your car insurance rates raised. 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 $358 per month for full coverage, and $184 for liability. 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: Friday, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyFull CoverageLiability Only
State Farm8651
GEICO9557
Allstate12273
USAA15594
Mile Auto16181
Hugo19672
Nationwide222126
Clearcover225169
Mercury232146
Progressive243137
Safeco260120
Chubb265160
Elephant279173
21st Century314189
AssuranceAmerica342261
Direct Auto360188
Dairyland363144
National General368166
Liberty Mutual372182
Infinity375247
Bristol West406219
The General419207
GAINSCO426196
Commonwealth Casualty450176
State Auto471256
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 the previous violations mentioned above. DWIs stay on your record permanently in Texas, which will keep your rates higher.[2]

Liability-only policies average $209 per month with a DWI in San Antonio. The following table shows examples of rates from top insurance companies for San Antonio drivers with DWIs.

The below rates are estimated rates current as of: Friday, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyFull CoverageLiability Only
State Farm10462
GEICO11368
Allstate14687
Mile Auto16583
USAA185112
Hugo22181
Clearcover223168
Mercury246154
Nationwide262149
Progressive278157
Safeco283131
Chubb314189
Elephant329204
21st Century363219
AssuranceAmerica385295
Direct Auto411215
Liberty Mutual413202
Dairyland424168
National General432194
Infinity450296
Commonwealth Casualty482189
The General482238
Bristol West486262
GAINSCO516238
State Auto518282
Foremost690346
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.

Car insurance for senior drivers in San Antonio averages $171 per month for full coverage and $88 for liability. 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: Friday, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyFull CoverageLiability Only
State Farm4627
GEICO5231
Allstate6841
Mile Auto7437
USAA8551
Nationwide11364
Mercury11471
Progressive11565
Clearcover12090
Chubb13179
Safeco13964
Elephant14892
21st Century15794
AssuranceAmerica170130
Direct Auto18295
Liberty Mutual19495
Dairyland19878
National General20693
Bristol West224121
The General231114
Commonwealth Casualty24194
GAINSCO242112
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

Teen drivers are considered 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 of their own without the written consent of a parent or guardian. In San Antonio, car insurance for teen drivers costs a monthly average of $411 for full coverage and $211 for liability policies. The following table provides examples of monthly rates for teen drivers from top insurance companies in San Antonio.

The below rates are estimated rates current as of: Friday, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyFull CoverageLiability Only
State Farm10764
GEICO10865
Allstate15493
USAA184111
Mile Auto19095
Clearcover242182
Hugo25393
Mercury271170
Nationwide271154
Progressive300169
Safeco307142
Elephant328204
Chubb350211
21st Century365220
Dairyland414164
Liberty Mutual423207
AssuranceAmerica441337
Direct Auto453237
The General464229
Bristol West487263
National General497224
Infinity509335
State Auto561305
GAINSCO563259
Commonwealth Casualty566222
Foremost746375
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.

Find Car Insurance for Teens in San Antonio

Liability policies for teens start at $64/mo.

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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 penalize consumers with poor credit scores with higher insurance rates than those with excellent or good credit scores.

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

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.

Is car insurance more expensive in San Antonio?

Car insurance in San Antonio is comparable with other large metro areas in Texas. Rates in San Antonio are 30% less expensive than in Houston but 5% more expensive than you’ll find in Austin.

Rates in any area will vary according to the amount of risk the insurer perceives, considering historical data concerning accidents and injuries in a given area. This means if you live in a city with a higher propensity for accidents or auto crimes such as theft or vandalism, you’ll likely pay a higher rate.

More cities in Texas

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

CityFull CoverageLiability Only
San Antonio$241$124
Abilene$206$92
Austin$230$129
Corpus Christi$228$121
Dallas$277$138
El Paso$217$92
Galveston$237$123
Houston$312$169
Laredo$229$106
Plano$241$122
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.

San Antonio car insurance FAQs

Looking for more information that will help you find the best car insurance rates in San Antonio? The following answers can help.

  • How much is car insurance in San Antonio?

    The total monthly average cost of car insurance in San Antonio is $183. Full coverage in the city averages $241 per month, and liability-only insurance averages $124. Your actual car insurance costs will depend on many factors that may push your rates higher or lower than the city's average.

  • Who has the cheapest car insurance in San Antonio?

    State Farm offers the cheapest car insurance in San Antonio, with liability rates that start at $38 per month. San Antonio drivers can also find affordable rates with GEICO and Mile Auto, the city's second- and third-cheapest insurers, with liability rates starting at $42 and $51, 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 4.4 out of 5 and Allstate scoring a 4.2. All three have solid financial stability ratings from AM Best, and State Farm has the best customer service in the industry, according to J.D. Power.

  • Is car insurance cheaper with two cars?

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

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

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

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

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

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

Sources

Bob Phillips
Bob Phillips


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

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

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

Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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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