State Farm, GEICO and Allstate have the cheapest car insurance for most drivers in San Antonio. State Farm leads the way, with an average rate of $118 a month for minimum coverage, though Allstate’s $119 a month for the same isn’t far behind.
San Antonio drivers who qualify may find even cheaper car insurance from USAA. USAA’s average rate for minimum-coverage car insurance is $64 a month. That’s nearly half what State Farm and Allstate charge. Only members of the military and certain relatives can buy it, though.
In this article
Who has the cheapest car insurance in San Antonio?
State Farm has the cheapest car insurance rates in San Antonio for most drivers at $118 a month, on average, for a minimum-coverage policy. Allstate also offers cheap car insurance to San Antonio drivers, with an average rate of $119 a month.
If you’re a current or past member of the military, or a close family member of one, you may find the cheapest car insurance in San Antonio from USAA. It charges an average of $64 a month for minimum coverage.
| Company | Monthly rate |
|---|---|
| USAA | $64 |
| State Farm | $118 |
| Allstate | $119 |
| GEICO | $129 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
USAA is the cheapest car insurance company in San Antonio for full coverage, too, if you qualify. USAA’s average rate of $122 a month is by far the lowest in the city for full-coverage policies.
Most San Antonio drivers will get the cheapest full-coverage car insurance rates from State Farm and GEICO. State Farm charges $205 a month for full coverage, on average, while GEICO charges $216 a month.
| Company | Monthly rate |
|---|---|
| USAA | $122 |
| State Farm | $205 |
| GEICO | $216 |
| Allstate | $256 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
In San Antonio, minimum car insurance includes bodily injury and property damage liability coverage. It also includes uninsured and underinsured coverage, unless you reject it.
Full-coverage car insurance includes collision and comprehensive coverage as well as liability coverage, in most cases. Texas law doesn’t require full-coverage car insurance, but you might need to buy it if you financed or leased your vehicle. Even if it’s not required, consider getting full-coverage car insurance if your vehicle is new or expensive.
Compare car insurance rates from top companies
Who has the cheapest car insurance in San Antonio for drivers with a DUI?
GEICO has the cheapest car insurance in San Antonio for most drivers with a DUI on their records at an average rate of $372 a month.
State Farm and Allstate also are good options for cheap car insurance after a DUI in San Antonio, offering average rates of $380 a month and $385 a month, respectively.
| Company | Monthly rate |
|---|---|
| USAA | $185 |
| GEICO | $372 |
| State Farm | $380 |
| Allstate | $385 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
San Antonio drivers with ties to the military might get the cheapest car insurance rates after a DUI from USAA. Its average rate is $185 a month — or half of State Farm’s average rate.
Who has the cheapest car insurance for drivers with tickets or accidents in San Antonio?
Most drivers in San Antonio will find the cheapest car insurance after an accident or speeding ticket at State Farm. Those affiliated with the military may find USAA to be the cheapest car insurance company in both situations.
USAA’s average rate of $191 a month is the cheapest rate in San Antonio for full-coverage car insurance after an accident, for those who are eligible. For everyone else, State Farm’s average rate of $290 a month is the most affordable.
| Company | Monthly rate |
|---|---|
| USAA | $191 |
| State Farm | $290 |
| GEICO | $330 |
| Allstate | $397 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Allstate offers the cheapest auto insurance in San Antonio to most drivers with a speeding ticket on their records at $256 a month. State Farm and GEICO also offer cheap auto insurance to drivers in this situation, with rates that average $261 and $263 a month, respectively.
| Company | Monthly rate |
|---|---|
| USAA | $138 |
| Allstate | $256 |
| State Farm | $261 |
| GEICO | $263 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Do you live in San Antonio and have a military background? Get a car insurance quote from USAA. USAA charges an average $138 a month for full-coverage car insurance to drivers with a speeding ticket. This is cheaper than Allstate’s average rate, though only those with military ties can take advantage of it.
Who has the cheapest car insurance for teen drivers in San Antonio?
GEICO is the cheapest car insurance company in San Antonio for most teen drivers, charging an average $256 a month for minimum coverage and $456 a month for full coverage.
| Company | Monthly rate |
|---|---|
| USAA | $123 |
| GEICO | $256 |
| Allstate | $341 |
| State Farm | $422 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
USAA is sure to be the cheapest car insurance option for San Antonio teens who are in the military or related to someone who is. USAA’s average rate for minimum coverage is $123 a month, while its average rate for full coverage is $232 a month.
| Company | Monthly rate |
|---|---|
| USAA | $232 |
| GEICO | $456 |
| State Farm | $732 |
| Allstate | $789 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Teen drivers almost always pay more for car insurance than older drivers. Insurance companies charge teens more for car insurance because they’re more likely to cause accidents.
Get cheap car insurance in San Antonio
Who has the cheapest car insurance in San Antonio for senior drivers?
State Farm has the cheapest car insurance rates for most San Antonio seniors at an average rate of $112 a month for minimum coverage and $191 a month for full coverage.
Allstate offers cheap car insurance for seniors in San Antonio, too, with an average rate of $114 a month for minimum coverage. GEICO is a good option for seniors who want cheap full-coverage car insurance thanks to its average rate of $205 a month.
| Company | Monthly rate |
|---|---|
| USAA | $61 |
| State Farm | $112 |
| Allstate | $114 |
| GEICO | $129 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
USAA’s average rate of $61 a month for minimum coverage is even cheaper than State Farm’s average rate, but not everyone qualifies. The same is true of USAA’s full-coverage rate, which averages $110 a month.
| Company | Monthly rate |
|---|---|
| USAA | $110 |
| State Farm | $191 |
| GEICO | $205 |
| Allstate | $216 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
If you’re affiliated with the military, though, or you’re a family member of someone who is, compare quotes from USAA with the other insurers mentioned here. That’s the best way to get cheap car insurance in San Antonio or anywhere else.
What are San Antonio’s car insurance requirements?
Texas requires drivers to have at least 30/60/25 liability car insurance coverage. The state also requires similar amounts of uninsured motorist coverage, though you can reject them.
| Coverage type | Minimum requirement |
|---|---|
| Bodily injury liability | $30,000 per person and $60,000 per accident |
| Property damage liability | $25,000 per accident |
| Uninsured motorist bodily injury | $30,000 per person and $60,000 per accident (unless you reject) |
| Uninsured motorist property damage | $25,000 per accident (unless you reject) |
Although you might consider buying just liability coverage for a vehicle because it’s usually the cheapest car insurance option, think twice before doing so.
Liability car insurance doesn’t protect your vehicle if an accident or some other event damages or destroys it. If you don’t have collision or comprehensive coverage in this situation, you’ll pay for repairs out of your own pocket.
Methodology
We obtained non-binding quotes from Quadrant Information Services for a typical driver in every San Antonio ZIP code to find the cheapest car insurance companies and rates. Unless otherwise noted, the driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.
The teen driver in this article is 18 years old but otherwise fits the same profile as the 35-year-old driver above. The same is true of our senior driver, who is 60.
Minimum-coverage car insurance rates highlighted on this page are based on a policy that meets Texas’ minimum liability requirements. Full-coverage rates are based on a policy with the following limits and deductibles:
- $100,000 bodily injury liability coverage per person
- $300,000 bodily injury liability coverage per accident
- $100,000 property damage liability coverage
- $500 deductibles for both collision and comprehensive coverage
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