The company with the cheapest car insurance in San Antonio is State Farm, according to Bankrate’s 2022 study of quoted annual premiums. The average cost of car insurance in San Antonio for full coverage is $1,857 per year, which is about $155 per month. For minimum coverage, the average annual minimum coverage premium is $573.

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Although minimum coverage offers the cheapest rates, insurance experts usually recommend buying enough coverage to help you avoid paying massive out-of-pocket costs if you cause an accident. Auto insurance coverage, especially liability insurance, protects you financially if you cause injuries or property damage in an accident. With minimum coverage, the coverage limits are fairly low, and there’s a good chance you’ll have to pay for some of the damages yourself if you cause a serious accident. Minimum coverage also does not cover damages to your own vehicle or any injuries you might sustain in an at-fault accident.

Best car insurance companies in San Antonio

The best, cheapest car insurance companies in San Antonio are State Farm, Geico, Mercury, USAA and Nationwide, according to Bankrate’s analysis of rates provided by Quadrant Information Services. To find the best car insurance companies in San Antonio with the most affordable rates, Bankrate reviewed dozens of carriers and assigned a Bankrate Score.

The Bankrate Score is based on a five-point scale and uses several criteria, including average annual premiums, coverage options, discounts, policy and online features, mobile accessibility, third-party customer service scores from J.D. Power and financial strength ratings from AM Best. The Bankrate Score, along with the actual average annual rates from each car insurance company we studied, can help Texas drivers find the best cheap car insurance companies in San Antonio.

Insurance company Bankrate Score J.D. Power score Average annual premium for full coverage Average annual premium for minimum coverage
State Farm 4.7 838/1,000 $1,314 $440
Geico 4.7 832/1,000 $1,388 $407
Mercury 4.2 N/A $1,450 $475
USAA* 5.0 879/1,000 $1,531 $469
Nationwide 4.4 N/A $1,685 $618

*USAA does not qualify for official ranking with J.D. Power due to eligibility restrictions.

State Farm

State Farm offers the lowest average annual full coverage car insurance rates in San Antonio on our list. It also happens to be one of Texas’ cheapest car insurance companies for drivers with a speeding ticket conviction. The carrier earns a high 4.7 Bankrate Score and ranks in sixth place for auto claims satisfaction, though it falls below average in the Texas region for overall customer service satisfaction. State Farm has dedicated agents for those who prefer a personalized experience. San Antonio drivers can also personalize their car insurance with coverage options like car rental and travel expenses, emergency road service and rideshare coverage.

Learn more: State Farm Insurance review


With a 4.7 Bankrate Score, Geico ranks fairly high across all the categories we studied. It also offers the second-lowest average full coverage premium lowest average minimum coverage rates on our list to San Antonio drivers. You could save even more with Geico’s extensive discounts, like savings for federal employees, good students and military members. Although policies are relatively basic and there are not many optional coverages to tailor your policy to your needs, Geico might be a good choice if budget is your biggest concern. Although the carrier scored above average for auto claims satisfaction, it scores below the industry average for the Texas region for customer satisfaction.

Learn more: Geico Insurance review


Offering insurance coverage in just 11 states, Mercury did not make the rankings for either J.D. Power study. However, it did earn a respectable Bankrate Score of 4.2, and it does offer lower-than-average rates among insurance companies we studied in San Antonio. Mercury offers standard coverage options and potential discounts, which can help San Antonio drivers keep rates low. With a 34% average rate increase after conviction, Mercury may not be the best choice for those with a speeding ticket on their record, but the company might be a good option for drivers with poor credit who need affordable coverage.

Learn more: Mercury Insurance review


San Antonio is known as Military City, USA, because it has four military bases. USAA specializes in affordable car insurance for active and retired military members and qualifying family members. Although the company does not qualify for an official ranking with J.D. Power due to its eligibility restrictions, it consistently receives very high customer service scores in both studies. It also receives the highest available Bankrate Score of 5.0, and although it does have one of the higher average rates than most of the other San Antonio carriers we studied, its average rates still fall well below the city average. If you are eligible for coverage, you might be able to save with military-focused discounts, like savings for garaging your vehicle on a military base or storing your car while you are deployed.

Learn more: USAA Insurance review


Although Nationwide has the highest average rates on our cheap list, it still comes in below the average for San Antonio. While Nationwide earned a 4.4 Bankrate Score, it fell below average for auto claims satisfaction and did not rank in the Texas region for customer satisfaction. However, Nationwide does have some of the cheapest average rates for drivers with bad credit. The carrier also offers several coverage options to tailor your auto insurance, such as gap insurance, rental car, accident forgiveness, vanishing deductible and total loss deductible waiver.

Learn more: Nationwide Insurance review

How to get and keep the cheapest car insurance in San Antonio

To get and keep the cheapest car insurance in San Antonio, drivers should practice safe driving habits. Insurance providers typically offer the most affordable rates to those with clean driving records, so being responsible behind the wheel can help you get the cheapest rates while still getting the best car insurance in San Antonio.

  • Get multiple quotes. Shopping around and comparing quotes is a great way to get affordable rates. Insurance providers have their own rate structures, so getting multiple quotes can help you find the one with the cheapest rates.
  • Maintain clean driving records. When you practice safe driving habits, you are more likely to avoid tickets and accidents. This can help you keep affordable rates and make you eligible for certain incentives, like a claims-free discount and accident forgiveness. Most car insurance companies also offer telematics programs that reward safe driving habits.

Frequently asked questions


Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.