Car Insurance for San Antonio in 2022

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Drivers in San Antonio pay an average of $1,779 per year for car insurance, but you might find cheaper coverage if you shop around.

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San Antonio, home to the Alamo, has almost 1.5 million residents. Whether those Texans are driving downtown to stroll along the River Walk or root on the Spurs, they’ll need car insurance to drive legally and stay financially protected.

If you’re a Lone Star State resident looking for cheap car insurance in San Antonio, we recommend shopping around and comparing quotes from multiple companies. While car insurance quotes are personalized to each individual driver, NerdWallet has found average car insurance rates, plus the cheapest car insurance companies in San Antonio, for a variety of driver types. Use these averages as a baseline while shopping for the cheapest company for you.

Read on to find out how auto insurance companies in San Antonio stack up. You can also check out our list of the cheapest car insurance companies nationwide.

Table of contents

To find the cheapest companies in San Antonio, NerdWallet looked at average full coverage rates calculated from public filings obtained by pricing analytics company Quadrant Information Services. We analyzed rates for male and female drivers for all ZIP codes in San Antonio driving a 2019 Toyota Camry L.

Cheapest car insurance companies in San Antonio

The biggest variable in your insurance cost will be the company you choose, so you’ll want to shop around to be confident you’re getting the best rate. In San Antonio, these are the cheapest car insurance companies based on average rates for a 35-year-old driver with good credit and a clean driving record, according to NerdWallet’s most recent analysis. It's important to remember that rates are determined individually, so these may not be the cheapest companies for you.

Company
Rate
NerdWallet Rating
Geico$1,289
NerdWallet rating 

4.5

/5
Nationwide$1,357
NerdWallet rating 

4.5

/5
State Farm$1,358
NerdWallet rating 

5.0

/5
USAA$1,461
NerdWallet rating 

4.0

/5
Republic Group$1,486Not yet rated
Texas Farm Bureau$1,507
NerdWallet rating 

3.5

/5
Redpoint County Mutual$1,550Not yet rated
Esurance$1,589Not yet rated
Houston General$1,681Not yet rated
Encompass$1,746
NerdWallet rating 

3.5

/5

If you’re looking for cheap car insurance in San Antonio, Texas, you’ll want to shop around and compare quotes from multiple companies. Insurers use a variety of factors to determine the cost of auto insurance, including your age, address, the type of car you drive and your driving history, which means every driver will ultimately get a different rate. That’s why shopping around is your best bet to getting the cheapest car insurance in San Antonio — or anywhere.

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Average car insurance cost in San Antonio and Texas

Rates across Texas differ from those in San Antonio for lots of reasons. The number of accidents, the type of roads and even the weather can affect the rates drivers are charged. According to NerdWallet’s most recent analysis, the average rate in Texas is $1,717, while in San Antonio, it's $1,779.

Average city rate
Average state rate
$1,779$1,717

No matter what company you're currently getting auto insurance from, remember that it's important to shop around and compare quotes from multiple companies. Prices and offers change over time, and you may be able to save by switching to another insurer.

Average cost of car insurance in San Antonio’s largest ZIP codes

The cost of auto insurance varies based on where you live, even from one neighborhood to the next. Some parts of a city may have higher rates of accidents or thefts, which can lead to an increase in the price you pay. According to NerdWallet’s analysis, here are the most populated ZIP codes in San Antonio and the average annual cost of car insurance for a 35-year-old driver with good credit and a clean driving record.

ZIP Code
Average Rate
78207$1,820
78223$1,732
78228$1,854
78240$1,766
78245$1,761
78249$1,779
78250$1,778
78251$1,833
78253$1,691
78254$1,714

Be sure to take advantage of potential discounts. Many insurers offer car insurance discounts for things like bundling other types of insurance with your auto policy or going years without filing a claim.

Cheap car insurance in San Antonio by age

Along with where you live, your age is another major factor in the price you pay for car insurance. For example, younger drivers usually pay more than older drivers with similar driving histories and credit scores due to having less experience on the road.

You could easily find that the cheapest company for you changes as you age. Here's a breakdown of prices in San Antonio for similar drivers at various ages, according to NerdWallet’s most recent analysis.

Cheapest for 20-year-olds

While teen drivers are the most likely to be in an accident, 20-year-old drivers are still relatively new to the road. A higher rate of accidents among younger drivers means they also pay more for car insurance. According to NerdWallet’s most recent analysis, here's what 20-year-olds in San Antonio pay, on average.

Company
Rate
NerdWallet Rating
USAA$2,291
NerdWallet rating 

4.0

/5
Texas Farm Bureau$2,331
NerdWallet rating 

3.5

/5
Geico$2,726
NerdWallet rating 

4.5

/5
State Farm$2,824
NerdWallet rating 

5.0

/5
Nationwide$3,153
NerdWallet rating 

4.5

/5
Encompass$3,218
NerdWallet rating 

3.5

/5
Houston General$3,290Not yet rated
Redpoint County Mutual$3,557Not yet rated
Esurance$4,130Not yet rated
Chubb$4,287
NerdWallet rating 

4.5

/5

Cheapest for 35-year-olds

By 35, your car insurance rates should plateau. This is a great age to compare rates, as the cheapest insurer you found in your 20s may no longer be the best deal.

Here’s what 35-year-old drivers might pay, on average, in San Antonio, according to NerdWallet’s analysis.

Company
Rate
NerdWallet Rating
Geico$1,289
NerdWallet rating 

4.5

/5
Nationwide$1,357
NerdWallet rating 

4.5

/5
State Farm$1,358
NerdWallet rating 

5.0

/5
USAA$1,461
NerdWallet rating 

4.0

/5
Republic Group$1,486Not yet rated
Texas Farm Bureau$1,507
NerdWallet rating 

3.5

/5
Redpoint County Mutual$1,550Not yet rated
Esurance$1,589Not yet rated
Houston General$1,681Not yet rated
Encompass$1,746
NerdWallet rating 

3.5

/5

Cheapest for 60-year-olds

At age 60, your car insurance rates are about as low as they're going to get if your history is clean. Most drivers in this age group have lots of experience on the road and established driving records, so insurers know what they're getting into and charge less accordingly. That doesn't mean you won't be able to save money by bundling or tapping into other discounts, so keep shopping around. Below are the cheapest companies, on average, in San Antonio, according to NerdWallet’s most recent analysis.

Company
Rate
NerdWallet Rating
Geico$1,158
NerdWallet rating 

4.5

/5
Nationwide$1,184
NerdWallet rating 

4.5

/5
State Farm$1,249
NerdWallet rating 

5.0

/5
Texas Farm Bureau$1,257
NerdWallet rating 

3.5

/5
Republic Group$1,276Not yet rated
Redpoint County Mutual$1,299Not yet rated
USAA$1,326
NerdWallet rating 

4.0

/5
Houston General$1,371Not yet rated
Esurance$1,380Not yet rated
Mercury$1,505
NerdWallet rating 

4.0

/5
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San Antonio’s cheapest companies and rates by driving record

Your driving history also plays a large role in your auto insurance rate. Drivers who have clean records will usually pay less than those with accidents, speeding tickets or other violations. Again, comparing insurance companies is your best bet to getting the lowest rate.

According to NerdWallet’s analysis, these are the average rates in San Antonio by company for good drivers and those with violations on their record.

Good drivers

Drivers without any marks on their records are almost always going to pay the lowest prices for auto insurance when compared to drivers with an accident or driving violation. Insurers set rates based on the potential risk of you filing a claim, and good drivers are considered among the least risky. Here are the average rates for good drivers in San Antonio according to NerdWallet’s most recent analysis.

Company
Rate
NerdWallet Rating
Geico$1,289
NerdWallet rating 

4.5

/5
Nationwide$1,357
NerdWallet rating 

4.5

/5
State Farm$1,358
NerdWallet rating 

5.0

/5
USAA$1,461
NerdWallet rating 

4.0

/5
Republic Group$1,486Not yet rated
Texas Farm Bureau$1,507
NerdWallet rating 

3.5

/5
Redpoint County Mutual$1,550Not yet rated
Esurance$1,589Not yet rated
Houston General$1,681Not yet rated
Encompass$1,746
NerdWallet rating 

3.5

/5

Drivers with a DUI

Drivers with a DUI can struggle to find affordable insurance and may need to turn to a high-risk car insurance company. A DUI on your record means you should expect to pay substantially more than a driver without one.

Here are the average rates for drivers with a DUI in San Antonio according to NerdWallet’s most recent analysis.

Company
Rate
NerdWallet Rating
Esurance$1,589Not yet rated
Republic Group$1,898Not yet rated
Geico$1,934
NerdWallet rating 

4.5

/5
USAA$2,151
NerdWallet rating 

4.0

/5
Houston General$2,202Not yet rated
State Farm$2,269
NerdWallet rating 

5.0

/5
Mercury$2,320
NerdWallet rating 

4.0

/5
National General$2,495
NerdWallet rating 

3.0

/5
Dairyland$2,747
NerdWallet rating 

2.5

/5
Nationwide$2,762
NerdWallet rating 

4.5

/5

Drivers with an at-fault accident

If you've got an at-fault accident on your record, you'll pay more than a driver with a clean record, but likely less than someone with a DUI. Your insurance company may ask for details about the accident to determine your rate — a fender bender will likely be treated differently from an accident caused by running a red light. Here are the cheapest average rates for drivers with an at-fault accident on their record in San Antonio, according to NerdWallet’s most recent analysis.

Company
Rate
NerdWallet Rating
State Farm$1,710
NerdWallet rating 

5.0

/5
Geico$1,899
NerdWallet rating 

4.5

/5
Republic Group$2,140Not yet rated
Nationwide$2,190
NerdWallet rating 

4.5

/5
USAA$2,294
NerdWallet rating 

4.0

/5
Texas Farm Bureau$2,428
NerdWallet rating 

3.5

/5
Redpoint County Mutual$2,505Not yet rated
Encompass$2,801
NerdWallet rating 

3.5

/5
Houston General$2,825Not yet rated
Chubb$2,987
NerdWallet rating 

4.5

/5
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Minimum car insurance requirements in Texas

You’ll need $30,000 in bodily injury liability per person and $60,000 per accident, as well as $25,000 in property damage liability per accident to drive legally in Texas. But these are just the legally required minimums. You may want higher coverage limits, especially if you spend a considerable amount of time on the road or have a history of traffic violations or car accidents.