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Car Insurance for San Antonio in 2025

Texas Farm Bureau offers the cheapest liability coverage in San Antonio, with an average rate of $1,343 per year according to NerdWallet's March 2025 analysis.

Car Insurance for San Antonio in 2025
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Mar 1, 2025
Fact Checked
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Written by Isabel Contreras
Lead Writer & Content Strategist
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Edited by Ben Moore
Assistant Assigning Editor
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Written by Isabel Contreras
Lead Writer & Content Strategist
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Edited by Ben Moore
Assistant Assigning Editor
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Car insurance in San Antonio, Texas, costs an average of $3,676 a year for full coverage. But prices vary from one person to the next, and no one company is cheapest for everyone. That’s why it’s best to compare car insurance rates with different companies when shopping around.

To jump-start your auto insurance shopping journey, here’s a list of the cheapest companies we found in San Antonio.

CategoryCheapest CompanyMedian annual rate
Clean driving historyTexas Farm Bureau$1,433
After a DUIGEICO$2,575
After an accidentState Farm$2,272
After a speeding ticketTexas Farm Bureau$1,433
Having poor creditAuto Club of SoCal$3,031

Continue reading to find more companies offering cheap car insurance in the home of The Alamo, or check out the cheapest car insurance in Texas for more ideas.

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  • To find the cheapest companies in San Antonio, NerdWallet looked at average full coverage rates obtained by pricing analytics company Quadrant Information Services. We analyzed rates for male and female drivers for all ZIP codes in San Antonio driving a 2022 Toyota Camry LE. Read our full methodology for more details.

Cheapest car insurance in San Antonio

The biggest variable in your insurance cost will be the company you choose, so you’ll want to shop around to be confident you’re getting the best rate. In San Antonio, these are the cheapest car insurance companies based on average rates for a 35-year-old driver with good credit and a clean driving record, according to NerdWallet’s most recent analysis. It's important to remember that rates are determined individually, so these may not be the cheapest companies for you.

CompanyMedian annual rate
Texas Farm Bureau$1,433
Auto Club of SoCal$1,951
State Farm$2,000
GEICO$2,326
Progressive$2,335
Allstate$3,055
Germania$3,544
Encompass$3,630
Chubb$3,716
USAA*$1,543

*USAA is only available to military, veterans and their families.

Average car insurance cost in San Antonio and Texas

Rates across Texas differ from those in San Antonio for lots of reasons. The number of accidents, the type of roads and even the weather can affect the rates drivers are charged. As the second-most populated city in the Lone Star state, San Antonio is prone to tornadoes, flooding, hail and more. Motor vehicle thefts in San Antonio also rose by more than 50% in 2023. All of these factors contribute to driving up car insurance rates charged by insurers.

According to NerdWallet’s most recent analysis, the average rate in Texas is $3,586, while in San Antonio it's $3,676.

Median City RateMedian State Rate
$3,676$3,586

Average cost of car insurance in San Antonio’s largest ZIP codes

The cost of auto insurance varies based on where you live, even from one neighborhood to the next. Some parts of a city may have higher rates of accidents or thefts, which can lead to an increase in the price you pay. According to NerdWallet’s analysis, here are the most populated ZIP codes in San Antonio and the average annual cost of car insurance for a 35-year-old driver with good credit and a clean driving record.

ZIPMedian Rate
78245$3,833
78254$3,599
78253$3,632
78251$3,792
78249$3,759
78228$3,832
78240$3,696
78223$3,703
78250$3,724
78207$3,808

Cheap car insurance in San Antonio by age

Along with where you live, your age is another major factor in the price you pay for car insurance. For example, younger drivers usually pay more than older drivers with similar driving histories and credit scores due to having less experience on the road.

You could easily find that the cheapest company for you changes as you age. Here's a breakdown of prices in San Antonio for similar drivers at various ages, according to NerdWallet’s most recent analysis.

AgeMedian Rate
20$8,149
30$3,802
35$3,676
40$3,602
50$3,276
60$3,096
70$3,292

Cheapest for 20-year-olds

While teen drivers are the most likely to be in an accident, 20-year-old drivers are still relatively new to the road. A higher rate of accidents among younger drivers means they also pay more for car insurance. According to NerdWallet’s most recent analysis, here's what 20-year-olds in San Antonio might pay, on average.

CompanyMedian annual rate
Texas Farm Bureau$2,201
Auto Club of SoCal$3,721
GEICO$4,288
Progressive$4,563
State Farm$4,838
Germania$6,381
Encompass$7,047
Allstate$7,998
Chubb$8,518
USAA*$3,617

*USAA is only available to military, veterans and their families.

Cheapest for 35-year-olds

By 35, your car insurance rates should plateau. This is a great age to compare rates, as the cheapest insurer you found in your 20s may no longer be the best deal.

Here’s what 35-year-old drivers might pay, on average, in San Antonio, according to NerdWallet’s analysis.

CompanyMedian annual rate
Texas Farm Bureau$1,433
Auto Club of SoCal$1,951
State Farm$2,000
GEICO$2,326
Progressive$2,335
Allstate$3,055
Germania$3,544
Encompass$3,630
Chubb$3,716
USAA*$1,543

*USAA is only available to military, veterans and their families.

Cheapest for 60-year-olds

At age 60, your car insurance rates are about as low as they're going to get if your history is clean. Most drivers in this age group have lots of experience on the road and established driving records, so insurers know what they're getting into and charge less accordingly. That doesn't mean you won't be able to save money by bundling or tapping into other discounts, so keep shopping around. Below are the cheapest companies, on average, in San Antonio, according to NerdWallet’s most recent analysis.

CompanyMedian annual rate
Texas Farm Bureau$1,193
GEICO$1,729
Auto Club of SoCal$1,817
State Farm$1,837
Progressive$1,931
Allstate$3,055
Germania$3,056
Mercury$3,086
Chubb$3,103
USAA*$1,323

*USAA is only available to military, veterans and their families.

San Antonio’s cheapest car insurance by driving record

Your driving history also plays a large role in your auto insurance rate. Drivers who have clean records will usually pay less than those with accidents, speeding tickets or other violations. Again, comparing insurance companies is your best bet to getting the lowest rate.

According to NerdWallet’s analysis, these are the average rates in San Antonio by company for good drivers and those with violations on their record.

Good drivers

Drivers without any marks on their records are almost always going to pay the lowest prices for auto insurance when compared to drivers with an accident or driving violation. Insurers set rates based on the potential risk of you filing a claim, and good drivers are considered among the least risky. Here are the average rates for good drivers in San Antonio according to NerdWallet’s most recent analysis.

CompanyMedian annual rate
Texas Farm Bureau$1,433
Auto Club of SoCal$1,951
State Farm$2,000
GEICO$2,326
Progressive$2,335
Allstate$3,055
Germania$3,544
Encompass$3,630
Chubb$3,716
USAA*$1,543

*USAA is only available to military, veterans and their families.

Drivers with a DUI

Drivers with a DUI can struggle to find affordable insurance and may need to turn to a high-risk car insurance company. A DUI on your record means you should expect to pay substantially more than a driver without one.

Here are the average rates for drivers with a DUI in San Antonio according to NerdWallet’s most recent analysis.

CompanyMedian annual rate
GEICO$2,575
Progressive$2,801
State Farm$3,111
Auto Club of SoCal$3,111
Allstate$3,915
National General$4,620
The General$5,903
Texas Farm Bureau$5,937
Mercury$5,993
USAA*$2,912

*USAA is only available to military, veterans and their families.

Drivers with an at-fault accident

If you've got an at-fault accident on your record, you'll pay more than a driver with a clean record, but likely less than someone with a DUI. Your insurance company may ask for details about the accident to determine your rate — a fender bender will likely be treated differently from an accident caused by running a red light. Here are the cheapest average rates for drivers with an at-fault accident on their record in San Antonio, according to NerdWallet’s most recent analysis.

CompanyMedian annual rate
State Farm$2,272
Texas Farm Bureau$2,306
Auto Club of SoCal$3,078
Allstate$3,271
Progressive$3,467
GEICO$3,872
Germania$4,567
Chubb$5,476
Encompass$5,815
USAA*$2,423

*USAA is only available to military, veterans and their families.

Drivers with a speeding ticket

The cost of being convicted of speeding usually doesn’t stop at the ticket you have to pay. Many car insurance companies increase rates for drivers with recent speeding tickets on record. This is especially true if you’ve had two or more offenses. But how much a single speeding ticket will increase insurance costs — if at all — will depend on your insurance company, driving record and more.

Here are the cheapest average rates for drivers with a single speeding ticket on record in San Antonio, according to NerdWallet’s most recent analysis.

CompanyMedian annual rate
Texas Farm Bureau$1,433
State Farm$2,014
GEICO$2,575
Auto Club of SoCal$2,628
Allstate$3,055
Progressive$3,164
Germania$3,544
Encompass$3,630
Chubb$4,034
USAA*$1,745

*USAA is only available to military, veterans and their families.

Cheap car insurance in San Antonio for drivers with poor credit

Texas insurers use a credit-based insurance score to determine the likelihood you’ll file a claim. Your own credit score is likely a good indicator of your credit-based insurance score.

While rates on this page so far have been based on drivers with good credit, below you’ll find the cheapest average rates for drivers with poor credit in San Antonio, according to NerdWallet’s most recent analysis.

CompanyMedian annual rate
Auto Club of SoCal$3,031
Allstate$3,055
GEICO$3,221
Texas Farm Bureau$3,244
Progressive$3,379
Chubb$6,185
National General$6,243
Germania$6,425
Encompass$6,774
USAA*$2,322

*USAA is only available to military, veterans and their families.

How to get cheap car insurance in San Antonio

If you’re wondering how to get cheap car insurance, here are six things you can try:

  1. Compare quotes from multiple insurers. Use NerdWallet’s car insurance comparison tool to easily shop for cheap auto insurance online. You may find that you already have the best car insurance deal, but prices can change, so check roughly once a year.

  2. Ask for discounts. You could save money from car insurance discounts you’re not taking advantage of. For example, maybe you work from home and don’t drive much. Mention that and you might get a low-mileage discount. Other common discounts are given for bundling car insurance with homeowners insurance, insuring multiple cars on the same policy and being a student.

  3. Cash in on major life changes. Certain life events could translate to cheaper car insurance, so shop for quotes whenever something major changes in your life. For instance, many companies offer a lower rate for married couples or domestic partners. Or perhaps you moved to a suburb with lower accident and crime rates. Even if you moved to a more expensive area for car insurance, shopping around can help you get cheaper coverage.

  4. Raise your deductible. The higher your car insurance deductible, the more you pay out of pocket before insurance pays for a covered claim. The upside is that by raising your deductible, you’ll usually be able to lower your premium. Just make sure you have enough money set aside to cover the higher deductible if you ever get in an accident.

  5. Revisit quotes after your driving record improves. Shop for cheap auto insurance quotes online three to five years after any accidents, tickets or moving violations. They may have dropped off your driving record.

  6. Reconsider the car you drive. The type of car you drive affects how much you pay for auto insurance. For example, new and expensive cars tend to cost more to insure than older or less expensive cars, among other factors. Check out NerdWallet’s analysis of the cheapest cars to insure to see if your vehicle made the list.

» MORE: 8 ways to get the cheapest car insurance rates possible

San Antonio car insurance requirements

If you want to drive legally in San Antonio, you’ll need to at least meet the minimum requirements for insurance coverage in Texas.

With rare exceptions, Texas drivers are required to carry liability insurance. You’ll often see the minimum requirements written in shorthand as 30/60/25. This means in Texas you must buy at least:

  • $30,000 bodily injury/death liability coverage per person.

  • $60,000 bodily injury/death liability coverage per accident.

  • $25,000 property damage liability coverage per accident.

Liability car insurance covers the cost of any damage, injuries or deaths you cause in a car accident, up to your policy’s predefined limits.

If you cause an accident, liability insurance kicks in to pay for others’ injury treatment and property damage, up to your limits. It doesn’t pay for your own injuries or vehicle repairs.

In many cases, the legal minimum insurance won’t be enough to cover costs if you cause an accident. If you total someone’s luxury car, for example, their repair costs could easily exceed a $25,000 ceiling. Any damage that surpasses your limits has to come out of your own pocket. That’s why for most drivers it’s wise to select higher limits, such as 100/300/50.

For greater financial protection on the road, consider full coverage insurance.

NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.

METHODOLOGY

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used a 2022 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 70 years old in 10-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.