Compare Best Cheap Car Insurance Quotes in San Antonio, Texas 2022

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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Single-car drivers in San Antonio pay an average of $2,562 annually for car insurance. That’s about $214 per month to insure your car.
San Antonio draws visitors in with the Alamo, Tex-Mex foods, and its beautiful river. As one of the most visited cities in the state, San Antonio is also filled with traffic congestion and a rising crime rate—neither of which bode well for drivers who want cheap car insurance.
Whether you stick to your state’s minimum liability requirements or opt for a full-coverage policy with comprehensive and collision insurance, your home state plays a big role in determining how much you pay to protect your wallet against car-related expenses.
To find the best coverage options for your vehicle in Texas, download Jerry, the world’s first super app for car owners and your key to optimized insurance!

Best car insurance companies in San Antonio

There’s no single company that offers the best rate to everyone in San Antonio. If you’ve recently moved or are looking to optimize your coverage, the best option is to compare multiple quotes from different companies. Sound like a drag? The Jerry app can get it done in a matter of seconds, saving you time and money while setting you up with the best coverage available!
Take a look at the table below for comparison of real Jerry customers’ rates in San Antonio:
No matter what provider you choose, you’ll need to meet your state’s minimum legal requirements for car insurance. In most cases, that means buying a certain amount of liability insurance, but you may also need to carry uninsured motorist coverage, medical payments coverage, or personal injury protection.
State requirements and risk assessments associated with zip codes mean your rate could vary not just from state to state or city to city, but block to block! With so many factors at play, finding the best coverage becomes dizzyingly complex. That’s why Jerry exists: to simplify car insurance comparison with authoritative quotes from over 55 top insurance providers.
Here’s what actual Jerry customers pay:
Quote DateCarZip CodeNameAgeInsurance Company
Before Jerry
After Jerry
September 25, 2022Mazda CX-978245Ophelia T.29Bristol West$105/mo.$68/mo.
September 19, 2022Chevrolet Trax LS78230Estella C.65Progressive$240/mo.$121/mo.
September 14, 2022Toyota Corolla LE78213Amanda K.30Safeco$196/mo.$175/mo.
September 29, 2022Subaru Brz 2.0 Limited78233Henry R.33Gainsco$240/mo.$224/mo.
September 30, 2022Dodge Challenger SXT78244Ola W.42Electric$295/mo.$272/mo.
22 people from Jerry switched with Jerry to Mercury in the past 14 days.
Last updated 2 hours ago
Kate from Marble Falls switched with Jerry to Electric and saved $917
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How much does car insurance in San Antonio cost?

Rates for car insurance in the same state can fluctuate wildly depending on your specific zip code. Depending on your city’s demographics—including population density, average age, and accident rate—your car insurance premiums may be much higher or lower than a neighboring city.
Here’s what real Jerry customers paid for car insurance in San Antonio:
How do San Antonio insurance rates compare to similar areas? Take a look at the table below to see. 
Let’s break down what makes car insurance in San Antonio so expensive. The graph below shows how much Texas drivers pay, on average, for liability insurance, comprehensive coverage, and collision insurance—the three main elements of what’s called “full coverage car insurance.”
  • Liability coverage, which is the bare minimum required by law, covers repairs and medical expenses for other drivers if you’re in a collision
  • Comprehensive insurance covers repairs to your car caused by something other than a collision (e.g. vandalism, natural disasters, or theft)
  • Collision insurance covers repair costs for your vehicle following a collision with another car or a stationary object
So, how much car insurance does Texas require?
Texas requires $30,000 per person for bodily injury liability, $60,000 of bodily injury liability per accident, and $25,000 of property damage liability per accident.
If you get pulled over in Texas, you’re required to show your driver’s license, registration, and proof of insurance.
No, Texas is not a no-fault state—Texas is an at-fault state. Police and insurance companies assign fault to the responsible driver in an accident, and they are financially liable for damages to property and other drivers—which comes out of liability insurance.
Take a look at the graph to visualize how much your expenses could increase if you opt for full coverage.
But those are just the minimum requirements you need to avoid a violation. If you’re in an accident, state minimum insurance might not cover all your expenses—especially if you or anyone in your vehicle is injured, or your car sustains significant damage.
That’s why experts generally suggest carrying more than the minimum required coverage. As previously mentioned, so-called “full-coverage” policy typically includes liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage.
On top of that coverage, you can check out special add-ons to fit your situation, vehicle, and unique needs. Do a lot of driving on remote back roads? Towing and labor coverage could get you out of a tight spot. Work for a rideshare company? Be sure to invest in rideshare insurance. You can even add specialized insurance for your car’s sound system if you’ve got a premium audio setup.

Best car insurance for bad drivers in San Antonio

Listen, we’re not here to judge. Maybe you had a bad day and ended up with a reckless driving charge or a DUI. Maybe you had a really good day and landed yourself an accidental speeding ticket.
No matter the reasons behind your tickets, even minor traffic violations can have an outsize impact on your insurance premium, especially if they’re repeated. And just one major offense (think DUI) could get you labeled as a “high-risk driver” by your insurance company. Worst of all, that label can follow you for years in some cases—even if you’ve cleaned up your act and drive like a saint.
Here’s where Jerry comes in. Even if your driving record is less than stellar (like, a lot less), there are still ways to optimize your rates and coverage to get the policy you need. Here’s how much Jerry customers in San Antonio with a history of violations saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,691$801
Speeding over 15$3,818$1,774
Improper Passing$4,197$1,388
Illegal Turn$3,240$1,195
Leaving scene of an Accident/Hit and Run$4,428$1,035
Open Container$2,628$1,010
Speeding under 15$3,462$999
Defective Equipment$3,300$957
Driving on Sus. License$3,907$897
Failure to Obey Traffic Sign$2,820$787
Careless Driving$4,800$774


How much is car insurance in San Antonio with a DUI?

If you have a DUI on your record, your car insurance premium in San Antonio could increase by as much as 31%.

How much does your car insurance increase after a speeding ticket in San Antonio?

If you’re caught speeding through San Antonio and end up with a ticket, you can expect to see your insurance rate jump by about 28%. And keep in mind—repeated speeding tickets could cause an even bigger increase!

How many fatal accidents happen in San Antonio each year?

According to local accident statistics, there are roughly 13.3 fatal accidents per 100,000 residents in the city of San Antonio each year. Insurance won’t protect you against accidents like this, so be sure to drive safely!

How many drivers in San Antonio have been in an accident?

About 9.10% of drivers in San Antonio have been in an accident - resulting in an average rate increase of 28%.

Best car insurance in San Antonio by age

Young people get stereotyped all the time—but when insurance companies do it, it can cost you hundreds of dollars a year!

Best car insurance in San Antonio for young drivers

That’s because insurance companies use age as a metric for risk. Providers see young drivers as less experienced and more likely to submit claims (i.e., cost them money) than older drivers—so they tend to hike rates for anyone under 25.
Of course, you know that no magic switch it going to flip when you turn 25 to make you a safer driver. You might even be the safest driver you know! But that won’t stop insurance companies from saddling you with a high rate.
To keep your rates low at a young age, check out these simple hacks:
  • Plenty of insurance companies offer good student discounts to anyone under age 25 with a B average or higher. If you’re still in school, your grades could be the key to insurance savings!
  • If you can get on a family plan with an older relative or friend, you’ll benefit from their lower risk rating and get a lower rate on the same coverage.
  • Check for state-approved defensive driving courses. Many insurance companies will give you a discount if you can prove that you’ve attended a course.
  • Play the long game and stick with one insurance company for a few years. If you maintain a good driving record, you could score multiple discounts for loyalty and safe driving!
  • Telematics programs like Jerry’s Drive Well, Earn Perks offer discounts and rewards for safe driving—and instead of basing your savings on your age, it’ll be based directly on how you actually drive!
Want to see how much more you might pay for car insurance in San Antonio based on your age? Check out the table below.

Car insurance in San Antonio for your car

Your age and driving record aren’t the only things that determine your car insurance rates in San Antonio. The vehicle you drive also plays a role.
The Toyota Prius is one of the most popular cars in Texas—and it’s cheaper to insure than a lot of the SUVs and electric cars on the road today. But if you drive a minivan, a truck, or a sports car, you might be looking at a higher premium than your other San Antonio neighbors.
Take a look at the table below for a full rundown of how much insurance for different makes costs in San Antonio.
Average Cost
Annual Savings with Jerry
Honda Civic LX$2,358$884
Chevrolet Equinox LT$2,477$878
Toyota Corolla L$2,529$871
Nissan Altima 2.5$2,600$824
Ford F150 Supercrew$2,490$817
More people in San Antonio drive a Nissan Versa S than any other car! On average, these drivers pay $1,448 for their auto insurance.

What is the most expensive car to insure in San Antonio?

At an average of $4,900 per year, a Audi A7 Prestige is the most expensive car to insure in San Antonio. If you drive one, we’re sorry.

Car insurance cost based on where you live in San Antonio:

Now, we’ve been talking about “drivers in San Antonio” as if everyone sees the same rates—but in fact, your rate can vary by zip code, making it possible to have a completely different rate from your neighbor two blocks away.
Why? The simple answer: accident rates and property crimes. Maybe your zip code puts you closer to a major road with tons of accidents, or you’re in a hotspot for auto theft. Within San Antonio, drivers in the 78231, 78264, 78225, 78228 and 78227 zip codes typically have the highest car insurance premiums, while the cheapest rates are found in the 78236, 78256, 78212, 78263 and 78248 code.
Want to see the average rates in your zip code? Take a look at the breakdown below.
Quote DateZip codeCarStateNameAgeInsurance Company
Before Jerry
After Jerry
September 25, 202278245Mazda CX-9TXOphelia T.29Bristol West$105/mo.$68/mo.
September 19, 202278230Chevrolet Trax LSTXEstella C.65Progressive$240/mo.$121/mo.
September 14, 202278213Toyota Corolla LETXAmanda K.30Safeco$196/mo.$175/mo.
September 29, 202278233Subaru Brz 2.0 LimitedTXHenry R.33Gainsco$240/mo.$224/mo.
September 30, 202278244Dodge Challenger SXTTXOla W.42Electric$295/mo.$272/mo.

Driving in San Antonio

Finding a good car insurance policy in San Antonio is just the beginning. If you’re new to the area, here’s everything you should know about driving in San Antonio.
First off: weather. San Antonio gets approximately 83 days of rain each year, for an annual total of 32" inches. And in the winter, you can expect 1" inches of snow. Jerry’s research has shown that heavy rain is responsible for more fatal car accidents than snow, so be sure to drive carefully in inclement weather (and invest in a good collision coverage policy!).

San Antonio driving FAQs


What are the average gas prices in San Antonio?

The price of gas in San Antonio varies over time, but it’s typically about 7.3% lower than the national average. For tips to help save money on gas, check out our guide!

What is the rate of catalytic converter theft in San Antonio?

On average, 4.88 catalytic converters are stolen annually in San Antonio per 1,000 cars.

What is the average commute time in San Antonio?

The average one-way commute in San Antonio takes 24.1 minutes, which is shorter than the US average of 26.4 minutes. It ranked #25 for most congested city in the United States. The average San Antonio driver lost 23 hours in congestion in 2021.

How can you save money on car insurance in San Antonio?

Let’s face it: living in San Antonio means living with higher than average insurance rates. Add that to an already high cost of living overall, and saving money on insurance becomes a great way to free up space in your budget.
Sound impossible? Not at all! Here are a few simple ways to save money on car insurance in San Antonio.

Compare quotes and shop often

That’s right—shopping for car insurance doesn’t have to be a one-and-done. In fact, experts recommend comparing quotes from at least three companies and shopping for new rates every six months!
Okay, we agree: that sounds like a huge pain, especially if it’s only saving you a few extra dollars each month. That’s why we created Jerry, the world’s first super app for car owners. The Jerry app takes the time, effort, and hassle out of car insurance shopping through the power of technology.
In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best coverage at the best rate for you. Pick the quote you like, and Jerry will handle all the paperwork—we’ll even help you cancel your old policy! Best of all, Jerry conducts routine price monitoring so you never have to worry about shopping for new rates again.
And the savings? The average Jerry user saves over $800 a year just by letting the app do their shopping.

Hunt for discounts

Here’s the one insurance savings hack that requires a little legwork on your part: finding discounts. Every insurance company offers them, but they’re not all the same, and companies often won’t advertise them directly.
That means it’s on you to search for the best discounts for you. Call your insurance company and ask about the following types of discount:
  • Good driver discounts:
    San Antonio drivers are in luck—state law mandates 20% insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.
  • Telematics discounts:
    You need to prove a long record of safe driving for a state-mandated good driver discount, but many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
  • Good student discounts:
    Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
  • Bundling discounts:
    You’ve heard it before—bundle your home and auto insurance (or auto and renters) with the same company, and you could get a discount on both policies.
These are just some of the most popular car insurance discounts in Texas—but it’s not an exhaustive list! Call your agent and ask what other discounts are available.

Increase your deductible

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
If you’re wondering “what is my deductible, actually?”, think of it as the amount you’ll pay out of pocket before insurance kicks in. Keeping your deductible low ensures you won’t have to pay much in the event of an accident—but it also means your monthly costs will be higher.
Raising your deductible will lower your regular payments, and if you’re already practicing safe driving for discounts, it’s a win-win! Just make sure that you have enough to cover the deductible if you do get into an accident—after all, there’s no way to predict and prevent every collision.

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