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Cheapest car insurance in San Antonio, Texas (Apr 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in San Antonio, Texas.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor

How to find the cheapest car insurance quotes in San Antonio

In San Antonio, the average auto insurance policy costs about $119 per month for minimum coverage liability insurance, and about $199 per month for full coverage insurance. San Antonio drivers pay 1% less than the Texas average.
Every month, thousands of savvy car insurance shoppers in San Antonio, Texas use the
trusted broker
Jerry Insurance Agency to seamlessly compare prices and procure a policy. To prove it, here are some cheapest car insurance quotes Jerry found for our San Antonio customers.
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$125
Gabriel, 35
Zip: 78210
Honda CR-V LX
• State Minimum Liability
AAA
$98
Katharine, 30
Zip: 78244
Ford F150 Supercrew
• 100,000/300,000 Liability
• Comp / Collision
Allstate
$122
Isaiah, 29
Zip: 78238
Chevrolet Sonic LT
• 50,000/100,000 Liability
Safeco
$106
Marian, 73
Zip: 78214
Ford Mustang
• 50,000/100,000 Liability
• Comp / Collision
Gainsco
$284
Edward, 39
Zip: 78260
KIA Sorento LX
• State Minimum Liability
coverageLast Updated Apr 15, 2024

Cheapest San Antonio car insurance for good drivers

Insurance rates are calculated based on your driving record, age, zip code, past claims, and vehicle type. While the majority of these factors aren’t in your control—you can be a good driver and keep your driving record clean.
Good drivers in San Antonio can save up to 40% on their insurance, and with Jerry's DriveShield™, you can track your driving and unlock discounts for safe driving habits. Discover how other drivers are using DriveShield™ to save on their insurance below.
Customer
Driving Score
Insurance Savings
Has Violations
Insurance Coverage
Manuel, 25
76
22%
No
  • 50/100
  • Comp/Collision
Megan, 34
93
34%
No
  • 50/100
  • Comp/Collision
Michael, 43
98
33%
No
  • 50/100
  • Comp/Collision
Isabel, 51
72
25%
No
  • State Minimum Liability
  • Comp/Collision
Ethan, 64
70
21%
No
  • State Minimum Liability
  • Minimum Coverage

Best auto insurance companies in San Antonio

Jerry conducted the largest insurance survey in the country to help drivers better compare the cheapest car insurance companies. While big-name carriers like GEICO and State Farm got mixed reviews for policy cost and customer service, smaller insurers like Aspire Advantage and National General came through with the highest ratings from actual customers.
Insurance companyOverall ratingPriceClaims experienceCustomer service
Progressive
4.4
4
3.8
4.3
USAA
4.2
3.3
4.4
4.3
State Farm
3.9
3.4
3.7
4
Geico
3.9
3.1
4.2
4.1
Liberty Mutual
3.3
2.6
N/A
3.2
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Cheap minimum liability insurance quotes in San Antonio

To hit the road legally, San Antonio drivers need to meet Texas minimum coverage car insurance requirements for bodily injury liability and property damage liability:
  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident
  • $25,000 for property damage
These coverage limits are commonly known as 30/60/25 insurance. With this basic liability coverage, you’ll be protected up to the policy’s limits if you cause injuries or property damage while driving.
Jerry has helped San Antonio drivers find affordable minimum liability coverage with no hassles.
card cover
Gabriel (35 years old)
coverageCoverage
State Minimum
locationSan Antonio, TX
(Zip Code: 78210)
carHonda CR-V LX
$125
per month
card cover
Theodore (28 years old)
coverageCoverage
State Minimum
locationSan Antonio, TX
(Zip Code: 78251)
$197
per month
card cover
Willie (26 years old)
coverageCoverage
State Minimum
locationSan Antonio, TX
(Zip Code: 78240)
$159
per month
card cover
Raymond (66 years old)
coverageCoverage
State Minimum
locationSan Antonio, TX
(Zip Code: 78201)
$144
per month
card cover
Richard (47 years old)
coverageCoverage
State Minimum
locationSan Antonio, TX
(Zip Code: 78238)
$112
per month

Do you need more than minimum coverage in San Antonio?

Most drivers in San Antonio need higher coverage level than the 30/60/25 state minimum mandated by
Texas car insurance laws
For optimal financial protection, you should consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to have full coverage on your car. 

Cheapest full coverage car insurance quotes in San Antonio

Full coverage car insurance
is the number-one way to protect yourself from costs associated with repairing or replacing your vehicle. 
Full coverage includes comprehensive and collision coverage:
  • Collision coverage
    covers the cost of repairing or replacing your car after an accident. In contrast
  • Comprehensive coverage
    pays out if your vehicle is stolen or damaged by something other than a crash, such as vandalism, theft, or natural disasters. 
If you have a loan on the car, your lender will require both collision and comprehensive coverage until the loan is paid.
On top of a full coverage policy, you can choose to purchase
uninsured motorist coverage
to guard against uncovered injuries or damage in an accident caused by a driver without car insurance. Adding medical payments coverage or personal injury protection can also enhance your protection.
Jerry has helped Texas drivers in San Antonio and beyond find full coverage quotes that won’t break the bank.
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• 50,000/100,000 Liability
• Comp / Collision
Progressive
$98
Betty, 73
Zip: 78214
Ford Mustang
• State Minimum Liability
• Comp / Collision
Safeco
$144
Raymond, 66
Zip: 78201
Toyota Corolla LE
• 50,000/100,000 Liability
• Comp / Collision
Allstate
$106
Eric, 30
Zip: 78254
Mitsubishi Lancer Es/es Sport
• 100,000/300,000 Liability
• Comp / Collision
AAA
$98
Katharine, 30
Zip: 78244
Ford F150 Supercrew
• State Minimum Liability
• Comp / Collision
State Auto
$183
Virgie, 32
Zip: 78209
Nissan Rogue S
coverageLast Updated Apr 16, 2024

Car insurance quotes in San Antonio by rating factors 

Insurance companies in San Antonio analyze your driver profile when
deciding your auto insurance premium
:  
  • Your driving record and claims history: Drivers with a track record of car accidents or violations, like DUIs or speeding tickets, generally face higher premiums than those with a clean record.
  • Your demographics: Your age, gender, and marital status can all influence the cost of your auto insurance rates. Teen drivers pay the most of any age group. 
  • Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density. 
  • Your mileage: Low annual mileage can result in more affordable rates.
  • The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.

How to lower car insurance costs in San Antonio

1. Shop around and compare quotes

Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the cheapest auto insurance, experts recommend comparing quotes from at least three companies and shopping for lower rates every six months.

2. Hunt for car insurance discounts

Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: 
  • Good driver discounts. California 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. 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.
    Bundle your home and auto insurance
    (or auto and renters) with the same company, and you could get a discount on both policies.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

FAQ

How much is car insurance in San Antonio?

People living in San Antonio pay on average $119 per month – or $1,433 per year – on state-minimum liability coverage. Full coverage in San Antonio costs on average $199 per month or $2,393 per year.

What is the cheapest car insurance in San Antonio?

Based on thousands of San Antonio drivers Jerry has worked with, car insurance in San Antonio costs an average of $119 per month for state-minimum coverage and $199 per month for full coverage.

What is the best car insurance in San Antonio?

Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Amica, and Direct Auto receive good ratings from San Antonio drivers, based on the largest car insurance survey in the nation conducted by Jerry.

What is the minimum car insurance in San Antonio, Texas?

The state-minimum car insurance in San Antonio,Texas is $30,000 in bodily injury liability per person, $60,000 per accident, and $25,000 for damage to property. These coverages are commonly referred to as 30/60/25 coverage.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

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R.E. Fulton
badge icon
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
avatar
Sarah Gray
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Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
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Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.