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Best Cheap Car Insurance in San Antonio for 2021

Dec. 11, 2020
Auto Insurance, Insurance
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Shopping for cheap car insurance in San Antonio is like grabbing groceries — if you don’t check prices, you may pay a few bucks more than average, but a savvy shopper can probably get a good deal.

 

On average, San Antonio auto insurance costs $1,644 a year, NerdWallet’s 2021 rates analysis found. That’s $8 above the Texas average and $50 more than the average cost of car insurance nationwide.

Those average rates are based on a 40-year-old with a clean driving record, buying full coverage car insurance. Depending on your car, driving history and insurance company, you might be paying well over the average.

If you’d rather keep some of those dollars in your pocket, make sure to compare car insurance rates before you buy. We analyzed rates in the San Antonio metro area from 19 insurers in Texas for several types of drivers, looking for San Antonio auto insurance rates that were cheaper than the Texas average.

Shopping around is essential, because every driver is different, and your actual rate will vary from the prices shown here. Here are the five cheapest options we found for drivers in the San Antonio metropolitan area.

Cheapest for 20-year-old drivers in San Antonio

Drivers in their 20s may have to get a lot of quotes to find cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage in San Antonio for 20-year-olds

Drivers in San Antonio with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. Texas Farm Bureau: $1,902 per year.
  2. Geico: $2,229 per year.
  3. Houston General: $2,902 per year.
  4. State Farm: $2,910 per year.
  5. Nationwide: $2,992 per year.

Cheapest minimum coverage in San Antonio for 20-year-olds

Drivers in San Antonio who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. Texas Farm Bureau: $775 per year.
  2. Geico: $847 per year.
  3. Allstate: $962 per year.
  4. Houston General: $993 per year.
  5. Dairyland: $1,176 per year.

Cheapest coverage for 20-year-olds with poor credit in San Antonio

Drivers with poor credit in San Antonio should look at the following insurers with the lowest average rates for minimum coverage:

  1. Texas Farm Bureau: $1,377 per year.
  2. Houston General: $1,454 per year.
  3. Dairyland: $1,456 per year.
  4. Allstate: $1,461 per year.
  5. Geico: $1,514 per year.

Cheapest for 20-year-old drivers with one at-fault crash in San Antonio

For drivers with a recent accident in San Antonio, here are the companies with the lowest average rates for minimum coverage:

  1. Geico: $1,033 per year.
  2. Texas Farm Bureau: $1,205 per year.
  3. Dairyland: $1,363 per year.
  4. State Farm: $1,581 per year.
  5. Republic Group: $1,603 per year.

Cheapest insurance for 20-year-old drivers after a DUI in San Antonio

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers’ average rates for minimum coverage.

  1. Geico: $1,127 per year.
  2. Dairyland: $1,195 per year.
  3. Houston General: $1,209 per year.
  4. Kemper: $1,412 per year.
  5. Esurance: $1,425 per year.

Cheapest for 30-year-old drivers in San Antonio

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage in San Antonio for 30-year-olds

Drivers in San Antonio with clean driving records may get the lowest rates from these companies:

  1. Geico: $1,098 per year.
  2. Republic Group: $1,265 per year.
  3. Texas Farm Bureau: $1,292 per year.
  4. Nationwide: $1,334 per year.
  5. State Farm: $1,448 per year.

Cheapest minimum coverage in San Antonio for 30-year-olds

Drivers in San Antonio who want their state’s minimum coverage can check with the following companies, which had the lowest average rates:

  1. Geico: $381 per year.
  2. Texas Farm Bureau: $488 per year.
  3. Houston General: $527 per year.
  4. Esurance: $533 per year.
  5. State Farm: $542 per year.

Cheapest coverage for 30-year-olds with poor credit in San Antonio

Drivers with poor credit in San Antonio should consider the following companies with the lowest average rates for full coverage:

  1. Nationwide: $1,859 per year.
  2. Geico: $2,061 per year.
  3. Republic Group: $2,243 per year.
  4. Houston General: $2,395 per year.
  5. Texas Farm Bureau: $2,400 per year.

Cheapest for 30-year-old drivers with one at-fault crash in San Antonio

For drivers in San Antonio with a recent accident, here are the lowest average rate options for full coverage:

  1. Republic Group: $1,265 per year.
  2. Geico: $1,589 per year.
  3. State Farm: $1,897 per year.
  4. Texas Farm Bureau: $2,043 per year.
  5. Nationwide: $2,120 per year.

Cheapest insurance for 30-year-old drivers after a DUI in San Antonio

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. Esurance: $1,450 per year.
  2. Geico: $1,592 per year.
  3. Republic Group: $1,606 per year.
  4. Houston General: $2,105 per year.
  5. State Farm: $2,288 per year.

Cheapest for 40-year-old drivers in San Antonio

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage in San Antonio for 40-year-olds

Drivers in San Antonio with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. Geico: $1,086 per year.
  2. Republic Group: $1,209 per year.
  3. Texas Farm Bureau: $1,240 per year.
  4. Nationwide: $1,298 per year.
  5. Esurance: $1,384 per year.

Cheapest minimum coverage in San Antonio for 40-year-olds

Drivers in San Antonio who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. Geico: $380 per year.
  2. Houston General: $438 per year.
  3. Texas Farm Bureau: $460 per year.
  4. Loya Insurance: $490 per year.
  5. Esurance: $524 per year.

Cheapest coverage for 40-year-olds with poor credit in San Antonio

Drivers with poor credit in San Antonio can check out the following insurers with the lowest average rates for full coverage:

  1. Nationwide: $1,806 per year.
  2. Geico: $2,037 per year.
  3. Houston General: $2,052 per year.
  4. Republic Group: $2,147 per year.
  5. Texas Farm Bureau: $2,309 per year.

Cheapest for 40-year-old drivers with one at-fault crash in San Antonio

For drivers with a recent accident living in San Antonio, here are the companies with the lowest average rates for full coverage:

  1. Republic Group: $1,209 per year.
  2. Geico: $1,567 per year.
  3. State Farm: $1,864 per year.
  4. Texas Farm Bureau: $1,962 per year.
  5. Nationwide: $2,068 per year.

Cheapest insurance for 40-year-old drivers after a DUI in San Antonio

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. Esurance: $1,384 per year.
  2. Republic Group: $1,550 per year.
  3. Geico: $1,578 per year.
  4. Houston General: $1,940 per year.
  5. State Farm: $2,252 per year.

Cheapest for 50-year-old drivers in San Antonio

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of the best cheap car insurance companies is a good place to start.

Cheapest full coverage in San Antonio for 50-year-olds

Drivers in San Antonio with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. Geico: $1,015 per year.
  2. Republic Group: $1,087 per year.
  3. Texas Farm Bureau: $1,206 per year.
  4. Nationwide: $1,220 per year.
  5. Esurance: $1,272 per year.

Cheapest minimum coverage in San Antonio for 50-year-olds

Drivers in San Antonio who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. Geico: $362 per year.
  2. Houston General: $398 per year.
  3. Texas Farm Bureau: $454 per year.
  4. Loya Insurance: $490 per year.
  5. California Casualty: $497 per year.

Cheapest coverage for 50-year-olds with poor credit in San Antonio

Drivers with poor credit in San Antonio can check with the following companies, which showed the lowest average rates for full coverage:

  1. Nationwide: $1,694 per year.
  2. Houston General: $1,854 per year.
  3. Geico: $1,918 per year.
  4. Republic Group: $1,928 per year.
  5. Mercury: $2,224 per year.

Cheapest for 50-year-old drivers with one at-fault crash in San Antonio

For drivers living in San Antonio with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. Republic Group: $1,087 per year.
  2. Geico: $1,475 per year.
  3. State Farm: $1,811 per year.
  4. Nationwide: $1,960 per year.
  5. Texas Farm Bureau: $1,972 per year.

Cheapest insurance for 50-year-old drivers after a DUI in San Antonio

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. Esurance: $1,272 per year.
  2. Republic Group: $1,428 per year.
  3. Geico: $1,510 per year.
  4. Houston General: $1,794 per year.
  5. State Farm: $2,194 per year.

Cheapest for 65-year-old drivers in San Antonio

Although 65-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap auto insurance for seniors, drivers in their mid-60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage in San Antonio for 65-year-olds

Drivers in San Antonio with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Texas Farm Bureau: $1,016 per year.
  2. Geico: $1,042 per year.
  3. Republic Group: $1,067 per year.
  4. Nationwide: $1,194 per year.
  5. Houston General: $1,217 per year.

Cheapest minimum coverage in San Antonio for 65-year-olds

Drivers in San Antonio who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Houston General: $387 per year.
  2. Texas Farm Bureau: $399 per year.
  3. Geico: $399 per year.
  4. Chubb: $441 per year.
  5. Loya Insurance: $490 per year.

Cheapest coverage for 65-year-olds with poor credit in San Antonio

Drivers with poor credit in San Antonio can look at the following companies with the lowest average rates for full coverage:

  1. Nationwide: $1,654 per year.
  2. Houston General: $1,704 per year.
  3. Texas Farm Bureau: $1,878 per year.
  4. Republic Group: $1,904 per year.
  5. Geico: $1,943 per year.

Cheapest for 65-year-old drivers with one at-fault crash in San Antonio

For drivers with a recent accident living in San Antonio, here are the companies with the lowest average rates for full coverage:

  1. Republic Group: $1,067 per year.
  2. Geico: $1,531 per year.
  3. Texas Farm Bureau: $1,674 per year.
  4. State Farm: $1,710 per year.
  5. Nationwide: $1,924 per year.

Cheapest insurance for 65-year-old drivers after a DUI in San Antonio

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Republic Group: $1,408 per year.
  2. Esurance: $1,423 per year.
  3. Geico: $1,572 per year.
  4. Houston General: $1,726 per year.
  5. State Farm: $2,081 per year.

Cheapest for military families

If you’re an active member of the military or a veteran — or have an immediate family member who is — chances are you’ll get a relatively cheap rate with USAA, a company that isn’t available to the general public.

Because of that restriction, USAA isn’t ranked with the others, but it was among the cheapest five auto insurance options for 33 of the 40 driver profiles we examined.

» MORE: Best car insurance for veterans and military

Minimum car insurance requirements in San Antonio

With rare exceptions (see below), drivers in San Antonio and all of Texas are required to carry liability insurance. You’ll often see the minimum requirements written in shorthand as 30/60/25. This means that in San Antonio you must buy at least:

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

If you cause an accident, liability insurance kicks in to pay for others’ injury treatment and property damage, up to your limits. It doesn’t pay for your own injuries or vehicle repairs.

In many cases, the legal minimum insurance won’t be enough to cover costs if you cause an accident. If you total someone’s luxury car, for example, their repair costs could easily exceed a $25,000 ceiling. Any damage that surpasses your limits has to come out of your own pocket. That’s why for most drivers it’s wise to select higher limits, such as 100/300/50.

Auto insurance alternatives in San Antonio

If you’re having trouble getting insured in San Antonio, look into the Texas Automobile Insurance Plan Association. It can help connect you with a company that will cover you.

There are legally acceptable alternatives you can choose to prove your financial responsibility, including:

  • Filing a surety bond with the Department of Public Safety. You must file the bond jointly with at least two people, called “sureties,” who own property in the state. The property offered in the bond must be worth at least as much as the insurance amounts mandated under the state’s minimum liability car insurance requirements.
  • Making a $55,000 deposit with the state comptroller in either cash or securities.
  • Making a $55,000 deposit with the county judge where your vehicle is registered, in either cash or cashier’s check.
  • Qualifying for a certificate of self-insurance through the Department of Public Safety. You promise to pay up to the same amount covered by minimum liability insurance requirements if you cause an accident with one of your cars. This option applies if you own 25 vehicles or more.

For more help finding cheap car insurance in San Antonio, try NerdWallet’s car insurance quotes comparison tool.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in the San Antonio-New Braunfels Metropolitan Statistical Area as defined by the U.S. Office of Management and Budget. The MSA encompasses eight Texas counties:

  • Atascosa County.
  • Bandera County.
  • Bexar County.
  • Comal County.
  • Guadalupe County.
  • Kendall County.
  • Medina County.
  • Wilson County.

Smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following 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 coverage per person.
  • $300,000 uninsured motorist coverage per accident.
  • Collision coverage with a $1,000 deductible.
  • Comprehensive coverage with a $1,000 deductible.

Some policies include additional coverages at the insurer’s discretion.

  • We used a 2018 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.
  • We analyzed rates for drivers 20 to 80 years old in five-year increments.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect minimum required coverage by law in the state.
  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.
  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.
  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

These rates are estimates generated through Quadrant Information Services and do not reflect insurers’ proprietary pricing methods. Your own rates will be different.

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