Best cheap car insurance in San Antonio for 2025
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Best cheap car insurance companies in San Antonio
To help drivers find the best car insurance companies in San Antonio, Bankrate’s editorial team analyzed third-party ratings from J.D. Power along with the latest premium data available from Quadrant Information Services. We looked for Texas car insurance companies whose average rates were below the citywide average of $2,669 per year for full coverage and $788 for state minimum coverage.
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Bankrate's trusted insurance industry expertise
Read our full methodologyThe insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.
78
years of industry experience
9
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
The cheapest car insurance companies in San Antonio
We analyzed the cheapest carriers offering coverage in Texas to find the best cheap car insurance companies in San Antonio. As of April 2025, the three cheapest auto insurance companies in San Antonio are Geico, USAA and Mercury, with Geico customers paying an average of $522 per year for state minimum coverage. If you’re looking for cheap auto insurance in San Antonio, consider getting quotes from them and the other cheap car insurance companies listed below.
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|---|---|---|
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$571
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$1,818
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$522
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$1,927
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$668
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$2,177
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$633
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$2,276
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$789
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$2,401
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How much is car insurance in San Antonio, Texas?
The average cost of car insurance in San Antonio, Texas is $2,669 per year for full coverage and $788 per year for state minimum coverage. Full coverage costs 1 percent more than the Texas state average, while minimum coverage costs 6 percent more.
San Antonio rates for teens
On average, 18-year-old drivers in San Antonio pay $7,585 per year for a stand-alone full coverage policy and $2,537 per year for minimum coverage. Teen car insurance rates tend to be well above average because teens lack driving experience, leading to a high rate of accidents and violations in the 16- to 19-year-old age group. Staying on a parent’s policy throughout the teenage years can reduce the cost of coverage for San Antonio’s youngest drivers.
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$1,324
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$1,184
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$1,402
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$1,245
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$1,473
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$1,082
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$1,632
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$1,035
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$1,691
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$1,384
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San Antonio rates for young drivers
San Antonio drivers aged 25 pay 86 percent less for minimum coverage, on average, than 18-year-old drivers. Rates begin to drop more rapidly after age 25, when most drivers have nearly 10 years of experience.
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$1,219
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$699
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$1,227
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$636
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$1,336
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$715
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$1,557
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$909
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$2,051
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$1,305
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San Antonio rates for adults
In adulthood, car insurance rates typically stabilize, with fluctuations based on changes to your driver profile or market forces such as inflation. On average, a 50-year-old San Antonio driver pays 13 percent less for a full coverage policy than a 30-year-old driver. Keep in mind, though, that your own driving record, coverage needs and vehicle type can affect the cost of coverage.
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$526
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$522
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$503
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$608
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$571
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$541
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$662
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$668
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$652
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$714
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$633
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$615
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$780
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$789
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$738
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San Antonio rates for senior drivers
San Antonio drivers typically pay the lowest rates for car insurance as they enter their senior years. However, rates may climb after age 70, as reaction times tend to slow and drivers become more likely to sustain serious injuries in an accident. On average, 60-year-olds with full coverage in San Antonio pay $2,411 per year, 8 percent less than 70-year-old drivers.
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$489
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$610
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$545
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$688
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$556
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$711
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$621
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$680
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$724
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$855
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The cheapest car insurance in San Antonio by driving record
Your Texas driving record helps insurance companies to estimate the amount of risk you may carry as a policyholder. Drivers with past violations — from speeding tickets to more serious offenses like reckless driving or driving under the influence — typically pay higher premiums to account for the added risk they represent to carriers. Understanding how your driving record could impact your rates may help those seeking affordable car insurance in San Antonio to find a provider with the cheapest rates for their profile.
Car insurance with a speeding ticket in San Antonio
A speeding ticket conviction carries financial penalties and can raise the cost of your auto insurance policy. In San Antonio, drivers with speeding ticket convictions pay 12 percent more for full coverage, on average, than drivers with clean records. At the state level, Texas drivers with speeding tickets pay 12 percent more than drivers with clean records.
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$578
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$2,153
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$644
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$2,058
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$757
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$2,394
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$830
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$3,083
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$881
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$3,132
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Car insurance after an accident in San Antonio
Drivers with full coverage who are found at fault in an accident pay 55 percent more, on average, than drivers with no accidents on their record. At the state level, drivers with at-fault accidents pay 55 percent more.
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$724
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$2,643
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$859
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$2,631
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$957
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$2,917
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$1,243
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$3,662
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$1,278
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$4,255
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Car insurance after a DUI in San Antonio
The penalties for impaired driving in Texas include fines up to $2,000 and at least three mandatory days of jail time, with possible jail time up to 180 days. A DUI conviction can also increase the cost of your auto insurance, with Texas drivers with DUIs paying 68 percent more, on average, for state minimum coverage. In San Antonio, drivers with DUIs pay 68 percent more for minimum coverage compared to drivers with clean records.
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$809
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$2,778
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$858
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$2,962
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$914
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$2,789
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$1,112
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$3,394
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$1,477
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$4,765
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Minimum coverage requirements in San Antonio
All drivers in San Antonio must purchase at least the following minimum liability coverage:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
Texas state law also requires insurance companies to offer uninsured and underinsured motorist coverage and personal injury protection (PIP) to all customers. However, if you prefer not to carry this coverage, you have the option to reject it in writing. In addition, drivers who choose not to purchase auto insurance at all can satisfy their financial responsibility obligations with a surety bond or a cash deposit of $55,000 with the comptroller or county judge. That said, you are still financially responsible for any accidents you cause, meaning you may have to pay for the injuries and property damage you cause to others if you don’t have insurance coverage in place at the time of the accident.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze the latest rates in April 2025 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate changes filed by insurance companies that affect our profile. These revised rates are then weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas. 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 coverage that meets each state’s requirements. Our base profile drivers own a 2023 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.
Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction.
Age: Rates were calculated by evaluating our base profile with the ages 20-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.
Teens: Rates were determined by adding a 16- or 18-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
Bankrate Score methodology
Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
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Cost & ratings 50%
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Coverage & savings 30%
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Support 20%
- Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
