Cheapest Car Insurance Quotes in San Antonio (2023)

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.

If you live in San Antonio, you can find an affordable auto policy that matches your needs by comparing coverage from different companies. State Farm, GEICO, and Allstate’s rates qualify them as the three cheapest insurers overall, charging well below the city’s average monthly car insurance rate of $249.

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.

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 accident

• A DUI

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

GEICO: Best car insurance for discounts

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

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 tickets, DUIs, and accidents 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 would make if it was totaled,” he says.

“The other (consideration is) if there is not much of an insurable interest. For example, maybe it was a gifted car years ago, or they have multiple vehicles, and this vehicle no longer holds much value.”

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

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.

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:

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. 

The state recommends that you consider adding these optional coverages:

Collision coverage

This pays to repair or replace your vehicle after an accident.

Comprehensive (other than collision) coverage

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

Medical payments

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

Personal injury protection (PIP)

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

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.

Towing and labor coverage

This 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:

• An at-fault accident

• Speeding tickets

• A DUI

• 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.

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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.

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 policy being canceled by your insurer.

Here, you can see an example of the rates you could pay with an at-fault accident.

Cheapest car insurance for drivers with a DUI: State Farm

If you’re convicted of driving under the influence (DUI), your rates will take a more significant jump than for the previous violations mentioned above. DUIs can stay on your record for at least three years, which will keep your rates higher.^[2]

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 impairments are often cited as reasons seniors are involved in more accidents, which reflects the rate increase.

Fortunately, many insurers in the San Antonio area still offer affordable liability-only coverage for senior drivers.

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, and earning a good student discount (“B” average or better).

San Antonio car insurance quotes by credit tier

In Texas, unlike some other states, insurers can use your credit score 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:

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, you’ll likely pay a higher rate.

More cities in Texas

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

San Antonio car insurance FAQs