The best car insurance in San Antonio, TX

By

Erin Gobler

Erin Gobler

Insurance Expert

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.

Published October 26, 2021

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San Antonio drivers pay an average of $1,951 a year for car insurance coverage, slightly more than the state average in Texas. That's makes it all the more important for San Antonio drivers to shop around and find their cheapest rates.

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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 $1,118 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).

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 insurance in San Antonio, followed by State Farm.

Company

Average cost

JD Power Rating

Texas Farm Bureau

$1,118

--

State Farm

$1,276

881

Germania Insurance

$1,352

--

GEICO

$1,505

871

Redpoint County Mutual

$1,598

--

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

78201

$2,035

78202

$2,013

78203

$1,996

78204

$1,991

78205

$1,972

78206

$2,156

78207

$2,043

78208

$1,971

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

Texas Farm Bureau

State Farm

Germania Insurance

GEICO

Redpoint County Mutual

At-fault Accident

$1,926

$1,540

$1,863

$2,370

$2,638

DUI

$4,901

$2,091

$3,154

$2,618

$3,996

Driving with a suspended license

$1,968

$1,815

$2,509

$2,618

$3,996

Driving with an open container

$4,901

$1,982

$1,448

$2,618

$1,633

Driving with expired registration

$1,221

$1,293

$1,448

$1,792

$1,633

Driving without Lights

$1,221

$1,293

$1,448

$1,792

$1,633

Failure to show documents

$1,221

$1,293

$1,448

$1,792

$1,633

Failure to stop at a red light

$1,221

$1,293

$1,448

$1,792

$1,633

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

$2,272

State Farm

$2,656

Germania Insurance

$2,664

Auto Club Group

$2,688

Nationwide

$2,781

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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 between $175 and $350 for the first offense. 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.

FAQ

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 $1,118. State Farm has the second cheapest rates, with an average of $1,276.

How much does car insurance in San Antonio cost?

Texas drivers pay an average insurance rate of $1,840 per year. Luckily, San Antonio drivers have access to insurance rates considerably lower than the state’s average.

What factors affect my car insurance?

When setting insurance rates, companies consider your age, gender, driving record, credit score, driving frequency, location, vehicle, and coverage amount.

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.

Methodology

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.