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Best cheap car insurance in San Antonio

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The average cost of car insurance in San Antonio is $594 annually for minimum coverage insurance and $1,837 annually for full coverage, according to Bankrate’s 2021 study of quoted annual premiums. Car insurance is legally required in Texas, and having a policy that fits both your needs and your budget is crucial. But how do you find the best car insurance in San Antonio, Texas?

In 2019, Bexar County reported over 50,000 crashes. 177 people were killed, and thousands more were injured. When shopping for car insurance, San Antonio drivers should consider more than just the price of coverage. Ensuring that you have adequate coverage is imperative to avoiding financial devastation.

Best car insurance companies in San Antonio

Bankrate’s insurance editorial team began our search for the best auto insurance in San Antonio by gathering average quoted premium information for the largest car insurance companies by market share. We analyzed the data and reviewed coverages, discounts, policy features and J.D. Power customer satisfaction scores.

If you are looking for the best cheap car insurance in San Antonio, starting with these companies could save you time:

Car insurance company J.D. Power score
(Texas region)
Average annual premium for minimum coverage Average annual premium for full coverage
Geico 846 / 1,000 $462 $1,408
USAA* 878 / 1,000 $470 $1,398
Allstate 832 / 1,000 $573 $1,590
State Farm 844 / 1,000 $620 $1,530

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


Of the carriers we reviewed, Geico offers the cheapest average minimum coverage premium. The company’s full coverage premium is also the cheapest on our list without eligibility restrictions, since USAA is only available to military and their immediate families. You can 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.

Learn more: Geico 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 these eligibility restrictions, it consistently receives high customer service scores. If you are eligible for coverage, you might 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


If you want car insurance that you can tailor to your needs, Allstate might be a good fit. The company offers several optional coverages, like sound system equipment coverage, ridesharing coverage and roadside assistance coverage, to help you round out your policy. In addition, you might save money with discounts for bundling policies, insuring a new car, paying in full and on time, being a smart student or having safety features on your car.

Learn more: Allstate Insurance review

State Farm

State Farm has a network of over 19,000 agents across the country, so if you prefer a walk-in experience over a digital one, this might be the company for you. If you have a teen driver, State Farm might be particularly appealing. The company’s Steer Clear program is designed specifically to teach young drivers safe driving habits, all while lowering your premium. You might also save with a good student discount and for bundling your policies.

Learn more: State Farm Insurance review

Cheapest car insurance in San Antonio

How do San Antonio car insurance premiums compare to the rest of the Lone Star State?
The annual average cost of car insurance in Texas is $524 for minimum coverage and $1,823 for full coverage. San Antonio drivers pay an average of $594 per year for minimum coverage and $1,837 per year for full coverage, roughly in line with the state average. Minimum coverage in both San Antonio and in Texas as a whole is close to the national average of $565 per year. However, the national average full coverage premium is $1,674 annually; both San Antonio and Texas drivers, in general, pay more than the national average.

Because of this, it may be important for some drivers to find the cheapest car insurance possible. Bankrate reviewed the average premiums of the largest carriers in Texas by market share and discovered the following companies that offer low average rates:

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Geico $462 $1,408
USAA $470 $1,398
Nationwide $515 $1,367
Allstate $573 $1,590
Mercury $576 $1,754

If you are in search of minimum coverage, Geico may be the best option — if you have good credit and no recent accidents and claims. Mercury may be the cheapest alternative if you have accidents or tickets on your driving record. If you or an immediate family member is retired or active duty personnel, USAA could be a good choice for minimum or full coverage. Nationwide and Allstate are not the cheapest companies here, but they offer impressive lists of optional coverages that might help you get a robust policy for a reasonable price.

Keep in mind that while the price is important when shopping for car insurance, it is not the only thing to think about. Deciding what coverages and levels of coverage are appropriate for you can help shield your finances if you cause an accident. Discounts, policy features, customer service scores and financial strength ratings are also important to think about when reviewing insurance companies in San Antonio.

San Antonio insurance requirements

The state of Texas requires all drivers to carry a minimum amount of car insurance coverage. . San Antonio is no exception, and the Texas minimum insurance requirements apply. To drive legally, you must carry at least: :

  • $30,000 bodily injury liability coverage per person
  • $60,000 bodily injury liability coverage per accident
  • $25,000 property damage liability coverage per accident

Texas auto policies also automatically include personal injury protection (PIP) coverage, and you must waive the coverage in writing to remove it. Texas auto insurance companies are also required by law to offer you uninsured and underinsured motorist coverage, although you can waive these in writing as well.

Drivers who choose minimum coverage often pay lower premiums, but opting for minimum coverage is not necessarily a financially sound strategy to get cheap car insurance in Texas. However, if you cause an accident, you are responsible for the damages you cause. If these damages go over your insurance limit, you may find yourself struggling to pay out of pocket. Therefore, most insurance agents recommend that you buy higher liability limits to protect your finances better.

If you want or need coverage for damage to your car, you will need to add comprehensive and collision coverages. These additions are commonly referred to as “full coverage.” If you financed your vehicle, your lender will likely require you to have full coverage.

Car insurance discounts in San Antonio

Taking advantage of the discounts that most car insurance companies offer can result in significant savings. Most car insurance companies provide at least a few discounts.

Consider the following discounts to save on your San Antonio car insurance:

  • Multi-policy discount: Buying your home, condo or renters insurance from the same company you buy your auto insurance from can save you on both policies.
  • Multi-car discount: The average San Antonio household has two vehicles. Insuring both with one carrier could earn you extra savings.
  • Safe driving discount: If it has been several years since you have had a ticket or accident, you might qualify for a discount.
  • Loyalty discount: Although shopping your policy and switching your coverage to a new company can save you money, staying with the same company for several years might help keep your premiums down.

Most car insurance companies list their discounts online, but you can also talk to a representative to help you identify ways to save.

Frequently asked questions

What is the best car insurance company?

The best car insurance company for you might not be the same as it is for another driver. Every driver has a unique situation and wants different things from insurance. Maybe you want a company that has a highly-rated digital app. You might have accidents or tickets on your record, or perhaps you have a teen getting licensed soon. Once you know what you need from a company, you can get quotes from several providers to see what carrier best fits your needs.

How much does car insurance in San Antonio cost?

The average cost of annual San Antonio car insurance is $594 for minimum coverage and $1,837 for full coverage. Your premium will depend on many factors, including the type of vehicle you own, the amount of coverage you purchase, the company you choose, your driving record, age and credit score.

How much car insurance do I need in San Antonio?

To legally drive in San Antonio, Texas, you will need to buy at least $30,000 per person and $60,000 per accident in bodily injury liability insurance and $25,000 in property damage liability coverage. Minimum liability insurance does not pay for damages to your vehicle or injuries to you or your passengers, so you may want to consider increasing your limits and purchasing additional coverages.


Bankrate utilizes Quadrant Information Services to analyze 2021 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 2019 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.

Written by
Cate Deventer
Insurance Writer & Editor
Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent.
Edited by
Insurance Editor