Cheapest Car Insurance in San Antonio, TX (2024)
- Expertise: Auto insurance, home insurance and renters insurance
- Education: Sonoma State University (BA in English)
Aaron Besson has worked at LendingTree for more than seven years and has been a staff writer for the last five years. He specializes in producing research-backed content about auto, home and renters insurance. Aaron enjoys the deep dig into insurance data to get the right answers to hard questions. His work has been cited by CBS, iHeart Radio, the Sacramento Bee and Yahoo.
The Texas Farm Bureau has the cheapest rates for car insurance for most San Antonio drivers, although some military members and veterans may find a better deal with USAA.
Texas Farm Bureau offers average liability insurance rates at $1,347 a year, well below the $1,938 a year that the average San Antonio driver pays for car insurance.
Cheapest full-coverage car insurance in San Antonio: Texas Farm Bureau
Texas Farm Bureau has the cheapest full-coverage car insurance rates in San Antonio, offering an average rate of $3,043 a year.
Allstate has the second cheapest rates, but with a much higher average of $6,002 a year.
Cheapest full-coverage car insurance companies in San Antonio
| Company | Average annual rate |
|---|---|
| Texas Farm Bureau | $3,043 |
| Allstate | $6,002 |
| Geico | $7,193 |
| State Farm | $8,900 |
| Progressive | $9,088 |
| USAA* | $3,441 |
*USAA is only available to current and former members of the military as well as certain family members.
Full-coverage car insurance combines liability, comprehensive and collision coverages. Together, these coverages handle the costs of damage to your vehicle and your own injuries, as well as injuries and damage you may cause to others.
Cheapest San Antonio liability car insurance: Texas Farm Bureau
Texas Farm Bureau is also the cheapest liability car insurance company for most San Antonio drivers, charging an average of $1,347 a year. The next-lowest average rate, Allstate, is almost double, at $2,676 a year.
Cheapest liability car insurance companies in San Antonio
| Company | Average annual rate |
|---|---|
| Texas Farm Bureau | $1,347 |
| Allstate | $2,676 |
| Progressive | $3,080 |
| Geico | $3,307 |
| State Farm | $3,963 |
| USAA* | $1,308 |
Liability insurance covers the costs of injuries and property damage to others if you are at fault in a car accident. It doesn’t cover your own injuries and damage — for that you would need personal injury protection, medical payments protection or health insurance, if you don’t have full coverage.
Cheapest rates for young drivers in San Antonio: Texas Farm Bureau
Texas Farm Bureau is the best source of cheap car insurance for young drivers in San Antonio, with an average of $1,744 a year. Allstate is the next cheapest option, at $3,659 a year.
Cheapest liability coverage for teen drivers
| Company | Average annual rate |
|---|---|
| Texas Farm Bureau | $1,744 |
| Allstate | $3,659 |
| Geico | $4,605 |
| Progressive | $4,670 |
| State Farm | $6,070 |
| USAA* | $1,787 |
Due to their inexperience behind the wheel, teen drivers tend to pay the highest rate of any age demographic.
However, teen drivers can often cut their car insurance costs considerably by getting added to a parent’s policy. While there still will be a rate increase, it should be cheaper than if parent and child had separate policies.
Cheapest rates after a speeding ticket in San Antonio: Texas Farm Bureau
Texas Farm Bureau is the cheapest car insurance company in San Antonio for drivers with a speeding ticket or similar violation on their records, at an average rate of $2,250 a year.
Allstate is the next most affordable major insurer, averaging $4,586 a year after a traffic violation.
Cheapest car insurance companies after a ticket
| Company | Average annual rate |
|---|---|
| Texas Farm Bureau | $2,250 |
| Allstate | $4,586 |
| Geico | $6,258 |
| State Farm | $8,404 |
| Progressive | $9,332 |
| USAA* | $2,882 |
A speeding ticket in Texas stays on your insurance record for at least three years, during which time you can expect to see higher rates.
Cheapest rates after an accident in San Antonio: Texas Farm Bureau
For San Antonio drivers with an at-fault accident on their record, Texas Farm Bureau has the lowest average rate of $3,315 a year.
Allstate is the next cheapest, but at $7,454 a year, it’s more than twice what Texas Farm Bureau is likely to offer.
Cheapest car insurance companies after an accident
| Company | Average annual rate |
|---|---|
| Texas Farm Bureau | $3,315 |
| Allstate | $7,454 |
| Geico | $7,887 |
| State Farm | $9,136 |
| Progressive | $9,895 |
| USAA* | $3,748 |
Cheapest rates after a DUI in San Antonio: Texas Farm Bureau
Texas Farm Bureau has the cheapest car insurance for drivers with a DUI (driving under the influence) conviction in San Antonio, at an average rate of $4,359 a year.
As with the other categories, Allstate is the second-most-affordable insurer in San Antonio, averaging $7,385 a year for drivers with a DUI.
Cheapest car insurance companies after a DUI
| Company | Average annual rate |
|---|---|
| Texas Farm Bureau | $4,359 |
| Allstate | $7,385 |
| Progressive | $8,671 |
| Geico | $9,335 |
| State Farm | $9,654 |
| USAA* | $4,594 |
After a DUI, Texas drivers are expected to carry an SR-22, a document proving you have the minimum required liability insurance, for two years.
Auto insurance companies consider drivers with a DUI to be high risk. Some do not offer SR-22 filing, and some may cancel your policy.
If your insurer is not cooperative in helping with an SR-22, take the opportunity to compare car insurance quotes and see if you can find a better company.
Best San Antonio rates for bad credit: Texas Farm Bureau
Texas Farm Bureau also has the cheapest rates for San Antonio drivers with poor credit, at an average annual premium of $4,221 a year.
Again, Allstate has the second-cheapest average for drivers with weak credit, at $6,956 a year.
Cheapest car insurance companies with bad credit
| Company | Average annual rate |
|---|---|
| Texas Farm Bureau | $4,221 |
| Allstate | $6,956 |
| Progressive | $9,599 |
| Geico | $10,372 |
| State Farm | $15,049 |
| USAA* | $4,291 |
Drivers with bad credit usually pay higher rates because car insurance companies consider them more likely to file claims. These higher rates are meant to offset the risk.
Car insurance laws in San Antonio
Texas law requires drivers to have 30/60/25 car insurance at a minimum. This means they need at least these amounts of bodily injury and property damage liability car insurance coverage.
Minimum coverage for car insurance in San Antonio
| Coverage type | Minimum amount needed |
|---|---|
| Bodily injury liability (per person) | $30,000 |
| Bodily injury liability (per accident) | $60,000 |
| Personal property liability | $25,000 |
Although this amount of car insurance meets Texas car insurance requirements, it may not be enough if you cause an accident that results in major injuries or damage. It also won’t cover damage to your own car.
Consider raising your liability limits to avoid a financial crisis, and investing in full-coverage car insurance to protect your car and yourself.
Methodology
The rates in this article are based on an analysis of auto insurance quotes obtained from Quadrant Information Services for sample drivers from across San Antonio.
Unless otherwise noted, our sample driver is a single 30-year-old male who owns a 2015 Honda Civic. 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 each state.
Full-coverage policies include these coverages, limits and deductibles:
- Bodily injury liability: $50,000 limit per person/$100,000 limit per accident
- Property damage liability: $25,000 limit
- Uninsured motorist: $50,000 per person, $100,000 per accident, where required by law
- Personal injury protection: Minimum limits, where required by law
- Collision: $500 deductible
- Comprehensive: $500 deductible
*USAA is only available to current and former members of the military as well as certain family members.