Compare San Antonio, TX Car Insurance Rates (2021)

Car insurance in San Antonio, TX averages $343 a month. San Antonio, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap San Antonio car insurance rates, compare quotes from the top car insurance companies in San Antonio, TX.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in San Antonio for teen drivers is USAA
  • Average car insurance rates in San Antonio, TX after a DUI are $4,675/year
  • The cheapest ZIP code in San Antonio is 78266

If you need to buy San Antonio, Texas car insurance, the options can be confusing. Everything you need to know about car insurance in San Antonio, TX is right here.

You’ll find San Antonio car insurance rates, the cheapest San Antonio, TX car insurance companies, and information on Texas car insurance laws. You can also compare San Antonio, Texas car insurance rates to Arlington car insurance rates, Laredo car insurance rates, and San Antonio car insurance rates.

Ready to find affordable San Antonio, TX car insurance today? Enter your ZIP code for fast, free San Antonio car insurance quotes.

Cheapest San Antonio, TX Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect San Antonio, TX car insurance rates? Every San Antonio, Texas car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car 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

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Minimum Car Insurance in San Antonio, TX

Every driver must carry the minimum car insurance in San Antonio, TX. Take a look at the Texas car insurance requirements.

Minimum Required Car 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

Cheapest San Antonio, TX Car Insurance Rates by Credit Score

Your credit affects car insurance costs in San Antonio, TX. Compare credit history car insurance rates in San Antonio from top companies for good, fair, and poor credit.

Annual Car 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

Cheapest San Antonio, TX Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in San Antonio, TX to rates for a clean record with top companies.

Annual San Antonio, Texas Car 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

Cheapest San Antonio, TX Car Insurance for Teen Drivers

Teen car insurance in San Antonio, TX can be expensive. Take a look at rates from the top car insurance companies in San Antonio for teenagers.

Annual Car 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

Cheapest San Antonio, TX Car Insurance for Seniors

Take a look at San Antonio, TX senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car 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

Cheapest San Antonio, TX Car Insurance Rates After a DUI

A DUI in San Antonio, TX increases car insurance rates. Compare San Antonio, Texas DUI car insurance by company to find the cheapest option.

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

Insurance Company Annual Car 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

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Cheapest San Antonio, TX Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in San Antonio, TX by commute? Take a look at a comparison of the top companies by commute length.

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

Cheapest San Antonio, TX Car Insurance Rates by ZIP Code

San Antonio car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in San Antonio, TX.

Annual Car 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

The Best Cheap Car Insurance Companies in San Antonio, TX

Take a look at a side-by-side comparison of the top car insurance companies in San Antonio, TX to find the best option for your needs.

Average Annual Car 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

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Category Winners: Cheapest Car Insurance in San Antonio, Texas

Find the cheapest car insurance companies in San Antonio, TX for each category right here.

Best Annual Car 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

Cheapest San Antonio, TX Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your San Antonio car insurance rates. Find the cheapest San Antonio, TX car insurance rates by coverage level.

Annual Car 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

What affects car insurance rates in San Antonio, Texas?

What factors can have an impact on San Antonio, TX car insurance? There are several reasons why San Antonio car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in San Antonio, Texas.

Car Theft in San Antonio

High levels of vehicle theft can make car insurance more expensive. San Antonio, TX car theft statistics from the FBI indicate 6,089 vehicle thefts a year.

Commute Time in San Antonio

The more time you spend in your car the higher the risk of an accident. The average commute length in San Antonio, TX is 24.7 minutes according to City-Data.

Traffic in San Antonio

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. San Antonio, TX traffic data from INRIX ranks San Antonio as the 389th-most congested in the world.

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Compare Car Insurance Quotes in San Antonio, TX

Ready to find affordable San Antonio, Texas car insurance today? Enter your ZIP code for fast, free San Antonio, TX car insurance quotes.

Free Car Insurance Comparison

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