Best Cheap Auto Insurance in San Antonio, TX (2021)

The average San Antonio, TX auto insurance rates are $343 per month. The minimum auto insurance in San Antonio is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in San Antonio, Texas, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • The average commute length in San Antonio is 24.7 minutes
  • The most expensive auto insurance company in San Antonio for teen drivers is Progressive
  • The cheapest auto insurance company in San Antonio is USAA

San Antonio, Texas auto insurance requirements are 30/60/25 according to Texas auto insurance laws. Finding cheap auto insurance in San Antonio can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in San Antonio, Texas, including driving record, credit, commute time, and more.

Compare auto insurance in San Antonio to other Texas cities, including Houston auto insurance rates, Fort Worth auto insurance rates, and Corpus Christi auto insurance rates to see how San Antonio, Texas auto insurance rates stack up.

Before you buy San Antonio, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free San Antonio, Texas auto insurance quotes.

Minimum Auto Insurance in San Antonio, Texas

San Antonio, Texas auto insurance laws require that you have at least the Texas minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in San Antonio, Texas.

Minimum Required Auto Insurance Coverage in San Antonio, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Cheap San Antonio, Texas Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in San Antonio, Texas are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in San Antonio, Texas

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,645 $3,669 $3,596 $3,596 $9,702 $11,688 $4,499 $4,674
American Family $3,077 $3,441 $2,918 $3,357 $8,607 $11,339 $4,509 $5,173
GEICO $2,717 $2,944 $2,639 $3,024 $5,978 $6,158 $2,937 $2,903
Nationwide $2,351 $2,387 $2,080 $2,199 $6,664 $8,542 $2,763 $2,986
Progressive $2,474 $2,345 $2,203 $2,244 $10,399 $11,606 $2,927 $2,965
State Farm $2,223 $2,223 $1,986 $1,986 $5,379 $6,860 $2,421 $2,489
USAA $1,683 $1,686 $1,620 $1,601 $4,775 $5,170 $2,236 $2,377

Cheap San Antonio, Texas Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in San Antonio, Texas is a challenge. Take a look at the annual teen auto insurance rates in San Antonio, Texas.

Annual Auto Insurance Rates for Teen Drivers in San Antonio, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,702 $11,688
American Family $8,607 $11,339
GEICO $5,978 $6,158
Nationwide $6,664 $8,542
Progressive $10,399 $11,606
State Farm $5,379 $6,860
USAA $4,775 $5,170

Cheap San Antonio, Texas Auto Insurance for Seniors

What are senior auto insurance rates in San Antonio, Texas? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in San Antonio, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,596 $3,596
American Family $2,918 $3,357
GEICO $2,639 $3,024
Nationwide $2,080 $2,199
Progressive $2,203 $2,244
State Farm $1,986 $1,986
USAA $1,620 $1,601

Cheap San Antonio, Texas Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in San Antonio, Texas compared to the annual auto insurance rates with a clean record in San Antonio, Texas.

Annual San Antonio, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,348 $6,772 $7,066 $4,348
American Family $4,827 $6,159 $5,396 $4,827
GEICO $3,103 $4,110 $3,425 $4,012
Nationwide $3,253 $3,253 $4,808 $3,671
Progressive $4,049 $5,244 $4,731 $4,557
State Farm $2,832 $3,258 $3,861 $2,832
USAA $1,964 $2,921 $3,434 $2,255

Cheap San Antonio, Texas Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in San Antonio, Texas is not easy. Compare the annual rates for DUI auto insurance in San Antonio, Texas to find the best deal.

Annual Auto Insurance Rates After a DUI in San Antonio, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,066
American Family $5,396
GEICO $3,425
Nationwide $4,808
Progressive $4,731
State Farm $3,861
USAA $3,434

Cheap San Antonio, Texas Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how San Antonio, Texas annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in San Antonio, Texas

Insurance Company Poor Fair Good
Allstate $7,156 $5,248 $4,497
American Family $7,258 $4,602 $4,047
GEICO $5,667 $3,197 $2,123
Nationwide $4,493 $3,610 $3,137
Progressive $5,229 $4,519 $4,188
State Farm $4,516 $2,820 $2,252
USAA $3,854 $2,254 $1,822

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Cheap San Antonio, Texas Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in San Antonio, Texas can vary. Compare the annual cost of auto insurance by ZIP code in San Antonio, Texas to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in San Antonio, Texas

ZIP Code Average Annual Rates
78202 $6,115
78203 $5,957
78204 $5,929
78205 $6,024
78206 $6,844
78207 $6,214
78208 $6,116
78209 $5,881
78210 $5,914
78211 $6,213
78212 $5,936
78213 $6,035
78214 $6,084
78215 $5,866
78216 $6,252
78217 $6,171
78218 $6,069
78219 $5,857
78220 $6,097
78221 $6,047
78222 $5,886
78223 $5,850
78224 $5,987
78225 $6,136
78226 $6,276
78227 $6,210
78228 $6,194
78229 $6,337
78230 $5,802
78231 $6,112
78232 $5,961
78233 $5,894
78234 $5,942
78235 $5,954
78237 $6,249
78238 $6,169
78239 $5,762
78240 $6,144
78241 $6,408
78242 $6,162
78243 $6,357
78244 $5,876
78245 $6,086
78247 $6,022
78248 $5,889
78249 $6,066
78250 $6,078
78251 $6,061
78252 $6,257
78253 $5,873
78254 $6,004
78255 $6,069
78256 $6,033
78257 $6,058
78258 $5,833
78259 $5,976
78260 $6,137
78261 $5,875
78263 $5,834
78264 $5,913
78266 $5,579
78284 $6,753
78285 $6,725

Cheap San Antonio, Texas Auto Insurance Rates By Commute

Commute length and annual mileage affect San Antonio, Texas auto insurance. Find the cheapest annual San Antonio, Texas auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in San Antonio, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,493 $5,774
American Family $5,302 $5,302
GEICO $3,592 $3,733
Nationwide $3,746 $3,746
Progressive $4,645 $4,645
State Farm $3,196 $3,196
USAA $2,610 $2,677

Cheap San Antonio, Texas Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in San Antonio, Texas? Check out the comparison of annual San Antonio, Texas auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in San Antonio, Texas

Insurance Company Low Medium High
Allstate $5,498 $5,583 $5,820
American Family $4,912 $5,099 $5,896
GEICO $3,434 $3,604 $3,949
Nationwide $4,013 $3,587 $3,640
Progressive $4,405 $4,622 $4,908
State Farm $3,006 $3,181 $3,400
USAA $2,533 $2,630 $2,767

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Best By Category: Cheapest Auto Insurance in San Antonio, Texas

Compare the cheapest auto insurance companies in San Antonio, Texas in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in San Antonio, Texas

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI GEICO
With 1 Speeding Violation USAA

The Cheapest San Antonio, Texas Auto Insurance Companies

What auto insurance companies in San Antonio, Texas are the cheapest? Compare the top San Antonio, Texas auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in San Antonio, Texas

Insurance Company Average Annual Rates
Allstate $5,634
American Family $5,302
GEICO $3,662
Nationwide $3,746
Progressive $4,645
State Farm $3,196
USAA $2,643

What affects auto insurance rates in San Antonio, Texas?

There are a lot of reasons why auto insurance rates in San Antonio, Texas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in San Antonio, Texas. Many local factors may affect your San Antonio auto insurance rates.

San Antonio Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual San Antonio, Texas auto theft statistics, there have been 6,089 auto thefts in the city.

San Antonio Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average San Antonio, Texas commute length is 24.7 minutes according to City-Data.

San Antonio Traffic

How does San Antonio, Texas rank for traffic? According to Inrix San Antonio, Texas is the 389th most congested worldwide.

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Compare San Antonio, Texas Auto Insurance Quotes

Before you buy San Antonio, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free San Antonio, Texas auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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