Cheap Car Insurance Quotes in San Antonio, Texas (2025)

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 pay average monthly costs of $229 for full-coverage car insurance and $129 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 $220 per month for full coverage and $124 for liability.

Here’s what you should know about finding car insurance in San Antonio.

How much is car insurance in San Antonio, TX?

San Antonio car insurance costs are similar to average costs in Texas, but they’re higher than the nationwide average. Check out the table below to see how San Antonio car insurance rates compare.

Cheapest car insurance companies in San Antonio

The cheapest car insurance company for you might not be the same as the cheapest company for your neighbor, since your rates depend on so many different factors. The insurers in the table below offer some of the cheapest car insurance rates to San Antonio drivers.

Best car insurance companies in San Antonio

If you’re searching for car insurance in San Antonio, keep in mind that one size doesn’t fit all. The best company 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.

State Farm: Best for liability-only coverage

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

Here are some tips to help you find cheap car insurance in the Alamo City:1

• Maintain a good driving record.

• Carry a higher deductible.

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

• 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.

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:2

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:

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 DWI

• 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.

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 typically raise 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 pay average monthly car insurance rates of $274 for full coverage and $155 for liability-only policies. The following table shows monthly quotes for San Antonio drivers with speeding tickets.

Cheapest car insurance for drivers with an at-fault accident: State Farm

Insurance companies will typically raise your rates if you cause an accident while driving. 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 $291 per month for full coverage and $164 for liability coverage. Here, you can see an example of the rates you could pay with an at-fault accident in San Antonio.

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 other violations. DWIs stay on your record permanently in Texas, which will keep your rates higher.

Liability-only policies average $157 per month with a DWI in San Antonio. The following table shows rates from top insurance companies for San Antonio drivers with DWIs.

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.3

Car insurance for senior drivers in San Antonio averages $194 per month for full coverage and $109 for liability coverage. 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.

Cheapest car insurance for teens: State Farm

Insurers consider teen drivers 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 without the written consent of a parent or guardian. In San Antonio, car insurance for teen drivers costs a monthly average of $446 for full coverage and $251 for liability coverage. The following table shows monthly rates for teen drivers from top insurance companies in San Antonio.

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 charge people with poor credit scores higher insurance rates than drivers with excellent or good credit scores.

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

Cost of car insurance in other Texas cities

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