Car Insurance for San Antonio in 2023

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Drivers in San Antonio pay an average of $2,513 per year for car insurance, but you might find cheaper coverage if you shop around.

By Andrew Marder 

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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.

CompanyRateNerdWallet Rating
Republic Group$1,485Not yet rated
State Farm$1,494
NerdWallet rating 

5.0

/5
Texas Farm Bureau$1,567
NerdWallet rating 

3.5

/5
Auto Club of SoCal$1,643Not yet rated
Encompass$1,982
NerdWallet rating 

4.0

/5
Geico$1,985
NerdWallet rating 

4.5

/5
Germania$2,123Not yet rated
Nationwide$2,289
NerdWallet rating 

5.0

/5
Chubb$2,441
NerdWallet rating 

4.0

/5
MetLife$2,705
NerdWallet rating 

4.5

/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.

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 $2,398, while in San Antonio, it's $2,513.

Average city rateAverage state rate
$2,513$2,398

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 CodeAverage Rate
78245$2,558
78254$2,416
78253$2,447
78251$2,519
78249$2,496
78228$2,587
78240$2,548
78223$2,457
78250$2,547
78207$2,609

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.

CompanyRateNerdWallet Rating
Texas Farm Bureau$2,414
NerdWallet rating 

3.5

/5
Auto Club of SoCal$3,136Not yet rated
Geico$3,543
NerdWallet rating 

4.5

/5
State Farm$3,700
NerdWallet rating 

5.0

/5
Encompass$3,810
NerdWallet rating 

4.0

/5
Germania$4,057Not yet rated
Republic Group$4,280Not yet rated
Dairyland$5,217
NerdWallet rating 

3.5

/5
Chubb$5,461
NerdWallet rating 

4.0

/5
Nationwide$5,700
NerdWallet rating 

5.0

/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.

CompanyRateNerdWallet Rating
Republic Group$1,485Not yet rated
State Farm$1,494
NerdWallet rating 

5.0

/5
Texas Farm Bureau$1,567
NerdWallet rating 

3.5

/5
Auto Club of SoCal$1,643Not yet rated
Encompass$1,982
NerdWallet rating 

4.0

/5
Geico$1,985
NerdWallet rating 

4.5

/5
Germania$2,123Not yet rated
Nationwide$2,289
NerdWallet rating 

5.0

/5
Chubb$2,441
NerdWallet rating 

4.0

/5
MetLife$2,705
NerdWallet rating 

4.5

/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.

CompanyRateNerdWallet Rating
Republic Group$1,273Not yet rated
Texas Farm Bureau$1,304
NerdWallet rating 

3.5

/5
State Farm$1,370
NerdWallet rating 

5.0

/5
Auto Club of SoCal$1,528Not yet rated
Nationwide$1,780
NerdWallet rating 

5.0

/5
Encompass$1,792
NerdWallet rating 

4.0

/5
Geico$1,797
NerdWallet rating 

4.5

/5
Germania$1,823Not yet rated
Chubb$2,043
NerdWallet rating 

4.0

/5
MetLife$2,071
NerdWallet rating 

4.5

/5

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.

CompanyRateNerdWallet Rating
Republic Group$1,485Not yet rated
State Farm$1,494
NerdWallet rating 

5.0

/5
Texas Farm Bureau$1,567
NerdWallet rating 

3.5

/5
Auto Club of SoCal$1,643Not yet rated
Encompass$1,982
NerdWallet rating 

4.0

/5
Geico$1,985
NerdWallet rating 

4.5

/5
Germania$2,123Not yet rated
Nationwide$2,289
NerdWallet rating 

5.0

/5
Chubb$2,441
NerdWallet rating 

4.0

/5
MetLife$2,705
NerdWallet rating 

4.5

/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.

CompanyRateNerdWallet Rating
Republic Group$1,895Not yet rated
State Farm$2,283
NerdWallet rating 

5.0

/5
Auto Club of SoCal$2,590Not yet rated
Geico$2,772
NerdWallet rating 

4.5

/5
Dairyland$3,058
NerdWallet rating 

3.5

/5
Progressive$3,512
NerdWallet rating 

5.0

/5
Encompass$3,633
NerdWallet rating 

4.0

/5
Allstate$4,188
NerdWallet rating 

4.5

/5
Mercury$4,420
NerdWallet rating 

4.0

/5
Nationwide$4,533
NerdWallet rating 

5.0

/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.

CompanyRateNerdWallet Rating
State Farm$1,838
NerdWallet rating 

5.0

/5
Republic Group$2,138Not yet rated
Texas Farm Bureau$2,524
NerdWallet rating 

3.5

/5
Auto Club of SoCal$2,577Not yet rated
Germania$2,734Not yet rated
Geico$3,006
NerdWallet rating 

4.5

/5
Encompass$3,180
NerdWallet rating 

4.0

/5
Nationwide$3,540
NerdWallet rating 

5.0

/5
Chubb$3,580
NerdWallet rating 

4.0

/5
Dairyland$4,076
NerdWallet rating 

3.5

/5

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.