Best car insurance in San Antonio, TX (2024)

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Erin GoblerInsurance ExpertErin Gobler is a freelance insurance writer at Policygenius, specializing in auto insurance. Erin has been writing about insurance and other personal finance topics since 2018 and has been published in some of the industry’s leading publications.&Andrew HurstSenior Editor & Licensed Auto Insurance ExpertAndrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Edited by

Anna SwartzAnna SwartzSenior Managing EditorAnna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.
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Reviewed by

Maria FilindrasMaria FilindrasFinancial AdvisorMaria Filindras is a financial advisor, a licensed Life & Health insurance agent in California, and a member of the Financial Review Council at Policygenius.

Updated|3 min read

Expert reviewedExpert reviewedThis article has been reviewed by a member of ourFinancial Review Council to ensure all sources, statistics, and claims meet the highest standard for accurate and unbiased advice.Learn more about oureditorial review process.

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San Antonio drivers pay an average of $1,938 a year for car insurance coverage, slightly more than the state average for insurance in Texas. That's makes it all the more important for San Antonio drivers to shop around and find their cheapest rates.

Ready to shop car insurance?

Policygenius can help you see quotes from the best insurance companies in Texas and choose the policy that fits your needs and your budget.

Key takeaways

  • Texas Farm Bureau has the cheapest car insurance in San Antonio, with an average rate of $1,125 per year.

  • Redpoint County Mutual is the cheapest company for San Antonio drivers with bad credit.

  • Texas drivers must have both bodily injury liability coverage ($30,000 per person and $60,000 per accident) and property damage liability coverage ($25,000).

Methodology & why you can trust our rates

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

Cheapest car insurance companies in San Antonio, TX

While all insurers consider the same important factors when setting their rates, insurance premiums can still vary significantly from one company to the next. As you can see below, Texas Farm Bureau offers the cheapest car insurance in San Antonio, followed by State Farm.

Company

Average cost

JD Power Rating

Farm Bureau

$1,125

--

State Farm

$1,181

882

Redpoint County Mutual

$1,256

--

Germania Insurance

$1,466

--

Southern County Mutual

$1,600

--

Cheapest car insurance rates by ZIP code in San Antonio, TX

Your location can play an important role in your insurance rates. Not only is your city a relevant factor, but so is your ZIP code. Certain ZIP codes in San Antonio may have a higher crime rate, more accidents, or a higher rate of uninsured drivers. These factors would cause insurance rates to increase in those ZIP codes.

ZIP code

Average cost

78232

$1,803

78266

$1,811

78259

$1,831

78260

$1,844

78209

$1,850

78255

$1,857

78261

$1,861

78258

$1,864

78247

$1,874

78257

$1,877

78248

$1,879

78254

$1,881

78215

$1,884

78212

$1,887

78233

$1,890

78263

$1,891

78231

$1,893

78256

$1,898

78239

$1,904

78230

$1,906

78253

$1,908

78264

$1,909

78221

$1,910

78223

$1,912

78217

$1,914

78213

$1,917

78234

$1,920

78220

$1,922

78222

$1,925

78235

$1,932

78244

$1,944

78216

$1,950

78249

$1,952

78214

$1,956

78250

$1,963

78218

$1,965

78208

$1,971

78240

$1,971

78205

$1,972

78251

$1,975

78211

$1,977

78241

$1,984

78226

$1,989

78204

$1,991

78224

$1,995

78203

$1,996

78210

$1,996

78252

$1,996

78225

$2,002

78238

$2,008

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Choosing the right car insurance company in San Antonio, TX

Because there are so many companies to choose from and the rates can vary so much from company to company, it’s important to shop around.

Policygenius can help you find the best coverage at the best price, and our insurance experts can answer all of your car insurance questions.

Car insurance rates for drivers with driving violations in San Antonio, TX

Your driving history is one of the most important factors that insurance companies consider when setting insurance rates. Drivers with violations on their driving record are likely to pay higher rates.

Violation

Farm Bureau

State Farm

Redpoint County Mutual

Germania Insurance

Southern County Mutual

At-fault accident

$1,937

$1,415

$1,256

$2,007

$2,427

DUI

$2,420

$1,897

$1,256

$3,365

$2,150

Suspended license

$1,227

$1,656

$1,256

$2,686

$2,150

Open container

$2,420

$1,800

$1,256

$1,569

$2,150

Expired registration

$1,227

$1,197

$1,256

$1,569

$1,800

Driving without lights

$1,227

$1,197

$1,256

$1,569

$1,800

Running a red light

$1,227

$1,197

$1,256

$1,569

$1,800

Following too closely

$1,227

$1,197

$1,256

$1,569

$1,800

Hit and run

$1,227

$1,897

$1,256

$3,365

$2,150

Not-at-fault accident

$1,227

$1,197

$1,256

$1,632

$1,683

Passing a school bus

$1,227

$1,197

$1,256

$1,569

$2,150

Reckless driving

$1,227

$1,897

$1,256

$3,365

$2,150

Speeding

$1,227

$1,197

$1,256

$1,569

$1,800

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Cheapest car insurance for drivers with a DUI in San Antonio, TX

Company

Rates for drivers with DUIs

Redpoint County Mutual

$1,256

State Farm

$1,897

Southern County Mutual

$2,150

Farm Bureau

$2,420

Germania Insurance

$3,365

Cheapest car insurance for drivers with a speeding ticket in San Antonio, TX

Company

Rates for drivers with speeding tickets

State Farm

$1,197

Farm Bureau

$1,227

Redpoint County Mutual

$1,256

Germania Insurance

$1,569

Southern County Mutual

$1,800

Cheapest car insurance for drivers with bad credit in San Antonio, TX

You might be surprised to learn that in many states, insurance companies can use your credit score as a factor in setting your insurance rates. In general, drivers with poor credit are considered to be high-risk, meaning they may pay higher insurance premiums.

Insurance companies in Texas are limited as to the credit information they can use to set your rates. For example, they can’t consider medical debts in collection, credit checks related to insurance coverage, or credit checks that you didn’t request.

Company

Rates for drivers with bad credit

Redpoint County Mutual

$1,256

Auto Club

$2,808

Farm Bureau

$2,817

Germania Insurance

$2,882

Nationwide

$2,886

Ready to shop car insurance?

Buying car insurance in San Antonio, TX

Like most states, Texas drivers are required to carry car insurance to legally operate a vehicle in the state. First, all drivers must have both bodily injury liability and property damage liability insurance. Bodily injury liability coverage must be at least $30,000 per person and $60,000 per accident, while property damage liability coverage must be at least $25,000.

Texas isn’t a no-fault insurance state. As a result, the driver who is found to be at fault for an accident is responsible for covering all the damages. The liability coverage that all drivers must carry is designed to cover other drivers’ medical bills and property damage caused by the at-fault driver.

All Texas insurance policies are also required to include uninsured and underinsured motorist coverage, though drivers aren’t required to accept it. If you don’t want this coverage included in your policy, you must tell the company in writing.

If you’re caught driving without the required insurance coverage, you could be subject to a fine of several hundred dollars. You’ll also face higher penalties for second and subsequent offenses, including 180-day vehicle impoundment and a requirement that you provide financial responsibility to have your car released. You’ll be on the hook for the impoundment fees.

How to get cheap car insurance in San Antonio, TX

As we mentioned, Texas drivers pay car insurance rates that are higher than the national average. As a result, you’re probably looking for ways to save on insurance. Below are a few strategies you can use to get cheap car insurance in San Antonio: 

  1. Shop around. Even though all insurance companies consider the same factors when setting insurance rates, you still may end up with a very different quote from one company to the next. It’s important to shop around for quotes to ensure you’re getting the most affordable rate for the coverage you need.

  2. Increase your deductible. Your deductible is the amount you must pay out of pocket for a claim before your car insurance kicks in. You can usually save on your insurance premium by increasing your deductible.

  3. Save with discounts. Most car insurance companies offer many discounts to help you save on your coverage. Popular discounts include bundling your policies, installing a device to track your driving habits, or having a vehicle with certain safety features.

Frequently asked questions

Which company has the cheapest car insurance in San Antonio?

Texas Farm Bureau currently has the cheapest car insurance in San Antonio, with an average rate of $1,125.

How much does car insurance in San Antonio cost?

Texas drivers pay an average insurance rate of $1,818 per year. At $1,938, San Antonio drivers pay considerably more than the state’s average.

How much car insurance do I need in San Antonio?

Texas drivers are required to carry bodily injury liability coverage of $30,000 per person and $60,000 per accident, as well as property damage liability coverage of $25,000.

What happens if you don't have car insurance in San Antonio?

If you're caught driving without car insurance in San Antonio, you'll have to pay a fine and you could lose your license. After your license is suspended, you'll also have to pay a reinstatement fee before you can drive again — plus your insurance premiums will be much higher in the future.

Authors

Erin Gobler is a freelance insurance writer at Policygenius, specializing in auto insurance. Erin has been writing about insurance and other personal finance topics since 2018 and has been published in some of the industry’s leading publications.

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Editor

Anna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.

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