How much does car insurance cost in San Antonio, TX? Check out the average rates that drivers pay below.
San Antonio is a fun, bustling town famous for its rich history, fabulous tourist attractions, and pristine natural settings. This sprawling city is home to the Alamo, a larger-than-life landmark where Texans battled General Santa Anna's troops.
Additionally, the vibrant metropolitan area is renowned for its 15-mile River Walk (Paseo del Rio) urban ecosystems. You can get a guided tour of the River aboard a river barge. Residents can tour San Antonio's numerous attractions at the river's Museum Reach near the Pearl. They can even explore the San Antonio Missions, King William Historic District, and UNESCO World Heritage Site.
Although San Antonio has an accessible transportation system, you'll still need an automobile to explore the city's many attractions and visit the nearby capitol in Austin, Texas.
In this article, you'll learn about the basic vehicle requirements in the state. If you're a resident who needs insurance coverage, you can use SmartFinancial's app to search for affordable quotes within your area.
Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Texas has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in San Antonio typically pay around $129.20 per month compared to the national average of $145.85 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.
Area | Average Monthly Rate |
---|---|
National | $145.85 |
Texas | $129.34 |
San Antonio, Texas | $129.20 |
Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Texas Farm Bureau Group generally has the most affordable car insurance in San Antonio coming in around $91.53 per month. Other companies to consider if you live in San Antonio is State Farm with an average cost of $109.67 per month and Direct Auto which typically runs around $118.20 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in San Antonio.
Rank | Company | Average Monthly Rate | Comparison State Average |
---|---|---|---|
1 | Texas Farm Bureau Group | $91.53 | -29.23% |
2 | State Farm | $109.67 | -15.21% |
3 | Direct Auto | $118.20 | -8.61% |
4 | Dairyland® | $120.00 | -7.22% |
5 | SafeAuto | $130.68 | 1.04% |
6 | USAA | $132.15 | 2.17% |
7 | Clearcover | $143.48 | 10.93% |
8 | Mercury | $161.26 | 24.68% |
9 | Mercury Insurance | $161.28 | 24.69% |
10 | Nationwide | $172.42 | 33.30% |
Rates can vary from city to city. The residents of Amarillo typically pay $116.93 per month while people who live in Arlington will pay $134.03 per month on average. See what people pay for car insurance in other cities in Texas.
Texas Cities | Monthly Average Rate |
---|---|
Amarillo | $116.93 |
Arlington | $134.03 |
Austin | $126.86 |
Beaumont | $131.62 |
Corpus Christi | $124.19 |
Dallas | $139.82 |
El Paso | $124.66 |
Fort Worth | $124.94 |
Houston | $148.77 |
Irving | $137.19 |
Lubbock | $118.36 |
San Antonio | $129.19 |
Spring | $144.44 |
Tyler | $122.39 |
Waco | $105.87 |
Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Texas. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.
San Antonio, TX ZIP Code | Average Monthly Rate |
---|---|
78002 | $102.05 |
78006 | $68.83 |
78010 | $65.35 |
78073 | $97.92 |
78112 | $84.60 |
78163 | $81.95 |
78201 | $125.82 |
78202 | $128.83 |
78203 | $113.61 |
78204 | $128.19 |
78205 | $137.44 |
78206 | $165.73 |
78207 | $121.83 |
78208 | $116.38 |
78209 | $127.14 |
78210 | $116.48 |
78211 | $119.46 |
78212 | $114.30 |
78213 | $124.64 |
78214 | $116.34 |
78215 | $127.42 |
78216 | $120.95 |
78217 | $130.18 |
78218 | $127.08 |
78219 | $119.92 |
78220 | $125.40 |
78221 | $122.30 |
78222 | $126.94 |
78223 | $111.99 |
78224 | $152.75 |
78225 | $122.92 |
78226 | $113.63 |
78227 | $121.74 |
78228 | $127.78 |
78229 | $140.08 |
78230 | $121.14 |
78231 | $142.42 |
78232 | $127.16 |
78233 | $129.03 |
78234 | $210.08 |
78235 | $126.23 |
78236 | $214.52 |
78237 | $126.87 |
78238 | $126.83 |
78239 | $126.86 |
78240 | $135.71 |
78241 | $107.57 |
78242 | $132.05 |
78244 | $135.40 |
78245 | $133.22 |
78247 | $131.47 |
78248 | $139.13 |
78249 | $141.35 |
78250 | $134.38 |
78251 | $142.54 |
78252 | $155.86 |
78253 | $131.44 |
78254 | $139.30 |
78255 | $159.58 |
78256 | $141.13 |
78257 | $162.42 |
78258 | $142.13 |
78259 | $135.73 |
78260 | $131.76 |
78261 | $140.41 |
78263 | $95.03 |
78264 | $124.83 |
78266 | $100.94 |
78270 | $103.14 |
78279 | $204.18 |
78283 | $1,733.50 |
78284 | $100.27 |
78288 | $76.02 |
78666 | $214.53 |
78674 | $95.47 |
78723 | $82.42 |
Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $303.01 per month in San Antonio. Compare that to drivers in their 30’s who typically pay around $118.10 per month drivers in their 40s at $110.28 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.
Age Group | Average Monthly Rate |
---|---|
16-19 | $303.01 |
20s | $175.66 |
30s | $118.10 |
40s | $110.28 |
50s | $100.36 |
60s | $99.37 |
70+ | $113.88 |
If you are teen in San Antonio you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Texas Farm Bureau Group typically charges around $163.63 per month. This is likely the most affordable option in San Antonio. You might also want to consider SafeAuto and USAA who also offer good affordable policies for teen drivers.
Company | Average Monthly Rate |
---|---|
Texas Farm Bureau Group | $163.63 |
SafeAuto | $188.00 |
USAA | $227.33 |
State Farm | $258.37 |
Direct Auto | $267.74 |
20 year-olds in San Antonio might want to consider Texas Farm Bureau Group who, on average, offers car insurance rates around $123.90 per month. Direct Auto , State Farm , Dairyland® and USAA are also in the top 5 cheapest rates available.
Company | Average Monthly Rate |
---|---|
Texas Farm Bureau Group | $123.90 |
Direct Auto | $136.43 |
State Farm | $149.17 |
Dairyland® | $155.00 |
USAA | $166.11 |
If you are in your 30s in San Antonio our research has found that Dairyland® typically has the most affordable coverage coming in around $85.00 per month, followed by Texas Farm Bureau Group at $91.47 and Direct Auto at $96.18.
Company | Average Monthly Rate |
---|---|
Dairyland® | $85.00 |
Texas Farm Bureau Group | $91.47 |
Direct Auto | $96.18 |
State Farm | $100.51 |
SafeAuto | $121.06 |
On average, Direct Auto offers car insurance for 40 year-olds in San Antonio for around $88.05 per month. If you are looking for affordable coverage, you may also want to consider Texas Farm Bureau Group or State Farm. The full list of top companies is below.
Company | Average Monthly Rate |
---|---|
Direct Auto | $88.05 |
Texas Farm Bureau Group | $88.67 |
State Farm | $101.01 |
SafeAuto | $113.45 |
USAA | $116.62 |
Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In San Antonio we found that Texas Farm Bureau Group generally offers the most affordable coverage at $79.14 per month.
Company | Average Monthly Rate |
---|---|
Texas Farm Bureau Group | $79.14 |
Direct Auto | $85.04 |
State Farm | $93.68 |
Mercury Insurance | $106.63 |
SafeAuto | $107.40 |
If you live in San Antonio and you’re in your 60s, our data indicates that Texas Farm Bureau Group usually has the best rates at $70.65 per month. The top 5 list of car insurance companies is below.
Company | Average Monthly Rate |
---|---|
Texas Farm Bureau Group | $70.65 |
State Farm | $87.81 |
Direct Auto | $89.48 |
Mercury Insurance | $104.83 |
USAA | $111.66 |
Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In San Antonio, the average monthly rate for a driver who is currently insured is $122.91 while drivers who are not currently covered will pay around $135.80.
Coverage | Average Monthly Rate |
---|---|
Not Currently Insured | $135.80 |
Currently Insured | $122.91 |
Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In San Antonio a driver of a 2010 Honda Cr-V can expect to pay around $133.67 per month while someone that owns a 2018 Toyota Camry may pay around $86.46 per month. Check out the list of recent quotes in San Antonio below.
Vehicle | Average Monthly Rate |
---|---|
2010 Honda Cr-V | $133.67 |
2018 Toyota Camry | $86.46 |
2016 Chevrolet Sonic | $110.50 |
2016 Honda Civic | $68.68 |
2002 Mercury Sable | $87.38 |
2005 Jeep Grand Cherokee | $79.99 |
2015 Jeep Patriot | $76.93 |
2004 Chevrolet Tahoe | $72.42 |
San Antonio Auto Insurance Requirements
Are you a San Antonio who has recently purchased a new car? The State of Texas requires residents to carry the auto liability coverage:
What is the Minimum Amount of Liability Coverage Required in San Antonio?
Texas law requires drivers to have a minimum of 30/60/25 liability coverage for vehicles.
Bodily Injury Liability: $30,000 per person and $60,000 total per accident
Property Damage Liability: $25,000 of coverage for property damage
Personal Injury Protection: $2,500 (unless you refuse this coverage)
Uninsured Motorist Bodily Injury: $30,000 per person and $60,000 per accident (unless you decline this insurance)
Uninsured Motorist Property Damage: $25,000
The minimum amount of insurance may not be enough to cover all scenarios. If you're found at-fault for an accident, you could pay for these damages out of pocket. Before the worst happens, consider buying additional coverage to protect yourself. Smart Financial can help you find cheaper car insurance premiums in your area. Just fill out this quick form to get started.
What is the Blood Alcohol Concentration (BAC) Limit in San Antonio?
The Texas Department of Transportation considers drivers as legally intoxicated when their blood alcohol concentration reaches 0.08 percent. They also consider individuals as violating the law as soon as drugs or alcohol affect their driving, flying, or boating ability. Additionally, carrying an open container of alcohol in vehicles is illegal, regardless of whether drivers are drunk.
Are you a San Antonio resident with a DUI on your records? We know insurance premiums can be expensive. Selecting the right insurance company can save you thousands of dollars. Let Smart Financial help. Fill out the form on this page, and we'll send you quotes from local insurers within your area.
Can I Register My Car without Insurance in San Antonio?
No, you can't register a car without insurance. Texas law mandates all residents to show they can pay for accidents they cause. Individuals must buy auto liability insurance for their vehicles. This coverage pays to repair or replace another driver's vehicle, damaged property, or medical expenses when a driver is at-fault in an accident.
Check Out Other Rates in San Antonio, TX Nearby Cities:
Commute Time in San Antonio, TX
24.1 MilesCommute Time in United States
26.4 MilesNumber of Nearest Insurance Agents in San Antonio, TX
113 Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.
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