Cheapest Car Insurance In San Antonio, TX 2025
State Farm offers the most affordable minimum coverage car insurance in San Antonio, with an average monthly cost of $35.
We’ve saved shoppers an average of $600 per year on their car insurance.
Finding the most affordable car insurance in San Antonio, TX, can be challenging with so many options available.
For liability-only coverage, State Farm stands out as the top choice with the lowest rates. Similarly, drivers needing full coverage will also find State Farm to be the most budget-friendly option. However, for younger drivers, Direct Auto takes the lead in offering the cheapest rates.
Cheapest Car Insurance In San Antonio, TX
Cheapest Liability-only Car Insurance In San Antonio: State Farm
State Farm offers the lowest rates for minimum coverage car insurance in San Antonio, with an average cost of $35 per month.
Refer to the table below to compare prices from various insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Mile Auto | $59 | $708 |
| GEICO | $44 | $528 |
| State Farm | $35 | $420 |
| USAA | $63 | $756 |
| Allstate | $51 | $612 |
Cheapest Full Coverage Insurance Rates In San Antonio: State Farm
State Farm provides the most affordable full coverage car insurance in San Antonio, with average monthly rates of $76.
Check the table below to see how other budget-friendly insurance providers compare.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $122 | $1,464 |
| GEICO | $80 | $960 |
| Mercury | $150 | $1,800 |
| State Farm | $76 | $912 |
| Allstate | $105 | $1,260 |
Cheapest Car Insurance Rates For Seniors: GEICO
GEICO offers the lowest car insurance rates for seniors in San Antonio, with an average cost of $58 per month.
The table below highlights average quotes from the most affordable insurers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $75 | $900 |
| State Farm | $60 | $720 |
| USAA | $102 | $1,224 |
| GEICO | $58 | $696 |
| Mile Auto | $83 | $996 |
Cheapest Rates In San Antonio For Teenagers: Texas Farm Bureau
Teenage drivers in San Antonio can get the most affordable rates from Texas Farm Bureau, with average monthly premiums of $272.
The table below lists the companies offering the cheapest insurance rates for teens.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $316 | $3,792 |
| State Farm | $479 | $5,748 |
| USAA | $342 | $4,104 |
| Texas Farm Bureau | $272 | $3,264 |
| Nationwide | $491 | $5,892 |
Cheapest Auto Insurance For Young Adults in San Antonio: Direct Auto
Direct Auto provides the most affordable car insurance for young adults in San Antonio, with average monthly rates of $95.
Check the table below to compare the cheapest auto insurance options for young adults in San Antonio.
| Provider | Average Monthly Cost | Average Annual Cost |
| Texas Farm Bureau | $117 | $1,404 |
| GEICO | $154 | $1,848 |
| Direct Auto | $95 | $1,140 |
| Elephant Insurance | $160 | $1,920 |
| State Farm | $142 | $1,704 |
Cheapest Car Insurance In San Antonio For Good Drivers: State Farm
State Farm offers the lowest car insurance rates for good drivers in San Antonio, with an average cost of $35 per month.
Use the table below to compare average quotes from the top affordable insurers for good drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $51 | $612 |
| USAA | $63 | $756 |
| GEICO | $44 | $528 |
| State Farm | $35 | $420 |
| Mile Auto | $59 | $708 |
Find Affordable San Antonio Rates
Cheapest Car Insurance In San Antonio After A Speeding Ticket: State Farm
State Farm stands out as one of the most affordable options in San Antonio, offering average monthly rates of $91 for drivers with a speeding ticket on their record.
Check the table below to compare average rates for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $125 | $1,500 |
| GEICO | $97 | $1,164 |
| USAA | $160 | $1,920 |
| State Farm | $91 | $1,092 |
| Mile Auto | $150 | $1,800 |
Cheapest For Drivers With After At-Fault Accident: State Farm
State Farm provides the most affordable car insurance for drivers with an at-fault accident, with an average monthly rate of $96.
Below is a list of car insurance companies offering the cheapest rates for drivers with an at-fault incident.
| Provider | Average Monthly Cost | Average Annual Cost |
| Mile Auto | $163 | $1,956 |
| GEICO | $110 | $1,320 |
| Texas Farm Bureau | $227 | $2,724 |
| Nationwide | $219 | $2,628 |
| State Farm | $96 | $1,152 |
Cheapest Rates In San Antonio For Drivers After A DUI: State Farm
State Farm offers the lowest rates for drivers with a DUI in San Antonio, with an average monthly premium of $114.
If you’re a San Antonio driver with a DUI, you can find the most affordable rates in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Mile Auto | $195 | $2,340 |
| GEICO | $122 | $1,464 |
| Mercury | $231 | $2,772 |
| State Farm | $114 | $1,368 |
| Allstate | $160 | $1,920 |
Best Car Insurance Companies In San Antonio
State Farm offers the most affordable car insurance in San Antonio, with rates starting at $75 per month. Other options include GEICO at $81 per month and Texas Farm Bureau at $95 per month.
Below are the top 10 car insurance companies in San Antonio, TX, listed by their average monthly premiums.
| Company | Monthly Premium |
| State Farm | $75 |
| GEICO | $81 |
| Texas Farm Bureau | $95 |
| Allstate | $102 |
| Mile Auto | $124 |
| Nationwide | $136 |
| USAA | $145 |
| Mercury | $155 |
| Progressive | $179 |
| Clearcover | $195 |
Average Auto Insurance Rates In San Antonio- By Age
Age plays a major role in determining car insurance rates. Younger drivers, especially teenagers, face higher premiums because they are considered higher risk due to their inexperience and higher chances of accidents or violations. Teenagers typically pay around $4,824 annually for car insurance.
Once drivers reach 25, their premiums generally start to go down, assuming they keep a clean driving record.
The best rates are often given to drivers in their 50s and early 60s. Insurance companies use age to gauge experience and risk, which affects the cost of coverage.
| Age | Average Yearly Rate |
| Teenagers | $4,824 |
| 20s | $2,712 |
| 30s | $1,860 |
| 40s | $1,620 |
| 50s | $1,440 |
| 60s | $1,416 |
| 70s | $1,536 |
Average Rates In San Antonio- By Vehicle
The vehicle you drive has a major impact on your car insurance rates. Insurance providers consider factors like the car’s make, model, year, and body style. In general, newer cars, especially luxury ones with advanced features and higher replacement costs, come with higher insurance premiums.
The table below shows the average insurance rates in San Antonio for various vehicles.
| Vehicle | Average Monthly Rate |
| Honda Civic Sport | $315 |
| Chevrolet Colorado | $420 |
| Honda Cr-V | $172 |
| Ford Fusion Titanium | $245 |
| Ford F150 | $210 |
How Much Is Car Insurance In Other Cities in Texas?
Where you live has a significant impact on your car insurance rates. Insurance companies consider factors like the likelihood of accidents, theft, and vandalism, which tend to be higher in cities. This increased risk usually leads to higher premiums.
For instance, drivers in Austin pay an average of $151 per month for car insurance, while those in Dallas typically pay around $176 per month.
| City | Average Monthly Rate |
| Austin | $151 |
| Dallas | $175 |
| Beaumont | $160 |
| Arlington | $169 |
| Irving | $173 |
| Lubbock | $150 |
| Fort Worth | $165 |
| Spring | $177 |
| El Paso | $152 |
| Houston | $192 |
Average Cost Of Auto Insurance In San Antonio- By Zip Code
Insurance companies use zip codes to assess crime rates in your area, which affects car insurance premiums. As a result, rates can vary depending on the zip code you live in.
The table below shows the average insurance rates for different zip codes in San Antonio.
| Zip Code | Average Monthly Rate |
| 78239 | $183 |
| 78254 | $166 |
| 78233 | $174 |
| 78237 | $153 |
| 78251 | $195 |
| 78240 | $162 |
| 78223 | $127 |
| 78244 | $168 |
| 78214 | $154 |
| 78242 | $150 |
Find Affordable San Antonio rates
Our Methodology
Drawing upon a comprehensive analysis that encompasses multiple facets such as customer service ratings, product options, pricing, and a thorough evaluation of various online review sites and user experience, I've crafted an in-depth view of the landscape of car insurance providers in San Antonio, TX.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in San Antonio?
State Farm offers the lowest car insurance rates in San Antonio, both for the minimum coverage required by Texas and for full coverage, which includes comprehensive and collision protection.
What is the average cost of car insurance in San Antonio?
In San Antonio, the average car insurance cost is around $125 per month. However, rates can vary depending on factors such as your zip code, the year and model of your car, and your driving history.
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