Key Takeaways
- GEICO offers the most affordable car insurance in San Antonio, charging a monthly average of $142 for full coverage and $80 for minimum coverage.
- The average Texas driver pays $145 a month for full coverage. San Antonio drivers pay slightly more at a monthly average of $155.
- Overall, Texas drivers pay far less than the average full-coverage rate nationally, which is $369 a month.
In this article
The cheapest car insurance companies in San Antonio, TX
The cheapest car insurance company in San Antonio is GEICO. The provider leads the way with the best rates for:
- Full and minimum coverage
- Drivers with an incident on their record
- Senior drivers
- Teen drivers
In many cases, USAA actually offers the lowest car insurance premiums for San Antonio drivers, but only members of the military and their families can take advantage of them.
The best way to find out which company offers the lowest rates for the type and amount of coverage you need is to compare auto insurance quotes from several companies.
Texas car insurance state minimums
All Texas drivers must hold what’s known as 30/60/25 car insurance coverage. This refers to an insurance policy that has at least the following liability coverage limits:
| Coverage type | State requirements |
|---|---|
| Bodily injury liability | $30,000 per person / $60,000 per accident |
| Property damage liability | $25,000 per accident |
Drivers may also add optional coverages for:
- Medical payments
- Uninsured motorists
- Towing and rental costs
- Personal injury protection (PIP)
Cheapest minimum-coverage auto insurance rates in San Antonio: GEICO
GEICO has the cheapest rates for minimum-coverage auto insurance. On average, the company charges $80 a month.
Citywide, the average cost of minimum-coverage car insurance in San Antonio is $82 a month, meaning GEICO only offers a small discount.
| Insurance company | Monthly rate |
|---|---|
| GEICO | $80 |
| Allstate | $89 |
| State Farm | $103 |
| USAA | $56 |
| Rates are for minimum-coverage car insurance for a 35-year-old male with a good driving record. | |
Cheapest full-coverage auto insurance rates in San Antonio: GEICO
GEICO also leads the way with San Antonio’s cheapest full-coverage car insurance. The provider’s monthly rate of $142 beats the next-best option by over $40.
The average cost of full-coverage car insurance in San Antonio is $155 a month, meaning GEICO’s rates are 8% cheaper.
| Insurance company | Monthly rate |
|---|---|
| GEICO | $142 |
| Allstate | $183 |
| State Farm | $190 |
| USAA | $105 |
| Rates are for full-coverage car insurance for a 35-year-old male with a good driving record. | |
State laws don’t require full-coverage car insurance, although it’s never a bad idea for drivers with new or expensive vehicles. Additionally, some lenders and lessors may require it.
Get cheap car insurance in San Antonio, Texas
Cheapest car insurance in San Antonio for drivers with bad credit: Allstate
Drivers with bad credit looking for cheap auto insurance should head to Allstate, where the average monthly premium is $261.
Drivers with bad credit often face higher car insurance rates due to data showing a correlation between credit scores and accident risk. That’s evident in San Antonio, where the average driver with bad credit pays $501 a month for full coverage.
| Insurance company | Monthly rate |
|---|---|
| Allstate | $261 |
| GEICO | $394 |
| State Farm | $1,163 |
| USAA | $185 |
| Rates are for full-coverage car insurance for a 35-year-old male with poor credit and a good driving record. | |
Cheapest car insurance for drivers with a prior incident
Drivers with a prior incident on their record should head to GEICO for cheap car insurance rates, as that’s where they’ll find the best rates for those with a speeding ticket, at-fault accident or DUI.
Cheapest for drivers with a speeding ticket: GEICO
GEICO offers the cheapest car insurance for San Antonio drivers with speeding tickets, charging a monthly premium of $169.
Our research shows that a speeding ticket can significantly increase your monthly rate. Nationally, those with a speeding ticket pay 20% more for car insurance than those without one.
| Insurance company | Monthly rate |
|---|---|
| GEICO | $169 |
| Allstate | $183 |
| State Farm | $241 |
| USAA | $119 |
| Rates are for full-coverage car insurance for a 35-year-old male with one speeding ticket on his driving record. | |
Cheapest for drivers with an at-fault accident: GEICO
The lowest car insurance rates for drivers with an at-fault accident come from GEICO. There, drivers pay an average of $227 a month.
These increased costs are typical nationwide. On average, an at-fault accident will increase your car insurance rate by 45%.
| Insurance company | Monthly rate |
|---|---|
| GEICO | $227 |
| State Farm | $267 |
| Allstate | $289 |
| USAA | $164 |
| Rates are for full-coverage car insurance for a 35-year-old male with one at-fault accident on his driving record. | |
Cheapest for drivers with a DUI: GEICO
Drivers with a DUI who want the cheapest car insurance rates will find them at GEICO, which charges $256 a month for full coverage.
In San Antonio, the average driver with a DUI pays $260 a month for car insurance. That’s 68% more than the average of $155 for drivers with a clean record.
| Insurance company | Monthly rate |
|---|---|
| GEICO | $256 |
| Allstate | $281 |
| State Farm | $346 |
| USAA | $158 |
| Rates are for full-coverage car insurance for a 35-year-old male with one DUI on his driving record. | |
Cheapest car insurance for senior drivers: GEICO
GEICO offers the cheapest car insurance rates for senior drivers in San Antonio, charging them an average $136 a month for full-coverage policies.
In San Antonio, the average senior driver pays $145 a month for full-coverage car insurance — $10 less than the average for 35-year-olds. That’s because, typically, seniors are considered to be safe, experienced drivers.
| Insurance company | Monthly rate |
|---|---|
| GEICO | $136 |
| Allstate | $169 |
| State Farm | $175 |
| USAA | $101 |
| Rates are for full-coverage car insurance for a 65-year-old male with a clean driving record. | |
Compare car insurance quotes from top companies in Texas
Cheapest car insurance for young drivers: GEICO
The lowest car insurance rates for young drivers come from GEICO, which charges $156 a month for minimum coverage and $302 for full coverage.
| Insurance company | Minimum coverage | Full coverage |
|---|---|---|
| GEICO | $156 | $302 |
| State Farm | $328 | $598 |
| Allstate | $331 | $706 |
| USAA | $101 | $193 |
| Rates are for an 18-year-old male with a clean driving record. | ||
Cheapest car insurance for married drivers: GEICO
Married drivers in San Antonio will find the lowest car insurance premiums at GEICO. On average, the company charges them $156 a month for full coverage.
Married drivers typically enjoy lower car insurance rates than their single counterparts. This is the case in San Antonio, where the average rate for married drivers is $150 a month — $5 less than the cost for single drivers.
| Insurance company | Monthly rate |
|---|---|
| GEICO | $156 |
| Allstate | $160 |
| State Farm | $190 |
| USAA | $94 |
| Rates are for full-coverage car insurance for a married 35-year-old male with a good driving record. | |
Car insurance laws in Texas
No-fault car insurance
Texas is an at-fault state — also known as a tort state — for car insurance purposes. This means that the person deemed responsible for an accident is required to pay for the victim’s damages.
Financial Responsibility Insurance Certificate (SR-22)
As is the case in many states, Texas requires an SR-22 form — also known as a Financial Responsibility Insurance Certificate — for drivers returning from a license suspension or similar legal issue.
San Antonio car insurance: FAQs
GEICO offers the cheapest car insurance rates in San Antonio, with an average full-coverage cost of $142 a month and an average minimum-coverage cost of $80 a month.
On average, San Antonio drivers pay $82 a month for minimum-coverage car insurance. For full-coverage car insurance, the average cost is $155 a month.
Allstate is the cheapest car insurance option for drivers with bad credit, charging $261 a month for full-coverage policies.
Methodology
The rates shown in this article are based on an analysis of more than 300,000 auto insurance quotes obtained from Quadrant Information Services for sample drivers from across San Antonio, Texas.
Unless otherwise noted, our sample driver is a single 35-year-old with good credit. All sample drivers own a 2012 Honda Accord LX that they drive for an average of 13,500 miles per year.
Our senior base driver is a 65-year-old male with a good driving record. Our young base driver is an 18-year-old male with a good driving record.
Minimum-coverage rates reflect the cost of policies meeting the minimum liability limits required by the state.
Full-coverage policies include the following coverages, limits and deductibles:
- Bodily injury liability: 100,000 limit per person/$300,000 limit per accident
- Property damage liability: $100,000 limit
- Collision: $500 deductible
- Comprehensive: $500 deductible
Sources:
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