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San Antonio Car Insurance

How much does car insurance cost in San Antonio, TX? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in San Antonio?

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.

Monthly Average Rates by Country, State, and City

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 $118.60 per month compared to the national average of $135.64 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.

AreaAverage Monthly Rate
National $135.64
Texas $116.23
San Antonio, Texas $118.60

San Antonio, TX Best Car Insurance Companies

car insurance in San Antonio

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, Safeco generally has the most affordable car insurance in San Antonio coming in around $95.81 per month. Other companies to consider if you live in San Antonio is State Farm with an average cost of $106.64 per month and USAA which typically runs around $108.15 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in San Antonio.

RankCompanyAverage Monthly RateComparison State Average
1 Safeco $95.81-17.57%
2 State Farm $106.64-8.25%
3 USAA $108.15-6.95%
4 Texas Farm Bureau Group $113.45-2.40%
5 Direct Auto $119.212.56%
6 Encompass $160.9338.46%
7 Dairyland $164.5641.58%
8 Esurance $180.0854.94%
9 National General $181.7756.39%
10 Mercury $184.8058.99%

How Much is Car Insurance in San Antonio, TX?

how much is auto insurance in San Antonio

Rates can vary from city to city. The residents of Austin typically pay $113.96 per month while people who live in Dallas will pay $118.71 per month on average. See what people pay for car insurance in other cities in Texas.

Texas CitiesMonthly Average Rate
Austin $113.96
Dallas $118.71
El Paso $109.34
Houston $137.09
San Antonio $118.59

Cheap Car Insurance in San Antonio by Zip Codes

find cheap auto insurance in San Antonio

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 CodeAverage Monthly Rate
78201$118.57
78202$123.57
78203$119.21
78204$133.89
78205$255.32
78207$122.04
78208$107.47
78209$121.08
78210$112.05
78211$105.98
78212$106.18
78213$115.57
78214$108.31
78215$120.64
78216$117.85
78217$115.06
78218$119.38
78219$108.31
78220$117.73
78221$107.94
78222$123.93
78223$101.62
78224$125.98
78225$110.29
78226$100.23
78227$108.87
78228$125.91
78229$118.59
78230$117.96
78231$95.55
78232$108.11
78233$113.48
78234$207.56
78235$127.85
78236$214.97
78237$117.28
78238$107.16
78239$101.79
78240$121.30
78242$117.27
78244$111.59
78245$126.44
78247$122.29
78248$121.96
78249$130.64
78250$122.13
78251$124.94
78252$113.77
78253$127.65
78254$130.51
78255$130.13
78256$110.01
78257$118.33
78258$123.34
78259$130.30
78260$111.19
78261$144.64
78263$96.92
78264$106.46
78266$95.74
78283$1,733.50

Car Insurance Rates by Driver's Age Group in San Antonio

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $282.94 per month in San Antonio. Compare that to drivers in their 30’s who typically pay around $102.84 per month drivers in their 40s at $94.06 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 GroupAverage Monthly Rate
16-19$282.94
20s$146.87
30s$102.84
40s$94.06
50s$86.79
60s$87.57
70+$103.22

Cheapest Insurance for Teenage Drivers in San Antonio

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, USAA typically charges around $192.40 per month. This is likely the most affordable option in San Antonio. You might also want to consider State Farm and Texas Farm Bureau Group who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
USAA$192.40
State Farm$244.13
Texas Farm Bureau Group$258.89
Direct Auto$274.36
Encompass$334.56

Cheapest Insurance for 20 Year-olds in San Antonio

20 year-olds in San Antonio might want to consider USAA who, on average, offers car insurance rates around $129.56 per month. State Farm, Direct Auto , Texas Farm Bureau Group and Encompass are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
USAA$129.56
State Farm$134.94
Direct Auto$138.44
Texas Farm Bureau Group$141.82
Encompass$196.48

Cheapest Insurance for 30 Year-olds in San Antonio

If you are in your 30s in San Antonio our research has found that Safeco typically has the most affordable coverage coming in around $69.00 per month, followed by State Farm at $91.01 and Direct Auto at $98.27.

CompanyAverage Monthly Rate
Safeco$69.00
State Farm$91.01
Direct Auto$98.27
USAA$98.97
Texas Farm Bureau Group$99.24

Cheapest Insurance for 40 Year-olds in San Antonio

On average, Direct Auto offers car insurance for 40 year-olds in San Antonio for around $88.94 per month. If you are looking for affordable coverage, you may also want to consider State Farm or USAA. The full list of top companies is below.

CompanyAverage Monthly Rate
Direct Auto$88.94
State Farm$93.08
USAA$95.04
Texas Farm Bureau Group$101.51
National General$140.66

Cheapest Insurance for 50 Year-olds in San Antonio

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In San Antonio we found that State Farm generally offers the most affordable coverage at $85.06 per month.

CompanyAverage Monthly Rate
State Farm$85.06
Texas Farm Bureau Group$85.10
Direct Auto$86.15
USAA$88.28
Safeco$100.81

Cheapest Insurance for 60 Year-olds in San Antonio

If you live in San Antonio and you’re in your 60s, our data indicates that State Farm usually has the best rates at $76.87 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
State Farm$76.87
Texas Farm Bureau Group$82.08
USAA$85.38
Direct Auto$91.37
Safeco$112.63

Driver's Coverage Auto Insurance Rates in San Antonio, TX

driver's coverage

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 $105.98 while drivers who are not currently covered will pay around $127.43.

CoverageAverage Monthly Rate
Not Currently Insured $127.43
Currently Insured $105.98

Compare Recent Car Insurance Quotes in San Antonio

auto insurance quotes in San Antonio city

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 2019 Nissan Sentra can expect to pay around $154.75 per month while someone that owns a 2015 Ford Taurus may pay around $68.07 per month. Check out the list of recent quotes in San Antonio below.

VehicleAverage Monthly Rate
2019 Nissan Sentra$154.75
2015 Ford Taurus$68.07
2021 Hyundai Kona$91.12
2021 Mitsubishi Outlander Sport$145.70
2013 Bmw 335$102.41
2005 Buick Rendezvous CX AWD/Cxl AWD/Ultra AWD$110.99
2014 Buick Verano$134.60
2010 Nissan Altima$95.42
2010 Nissan Altima$97.38
2010 Nissan Altima$97.38

FAQ's for Drivers in San Antonio, TX

driver’s frequently asked question in San Antonio

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.

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Commute Time in San Antonio, TX

24.1 Miles
map

Commute Time in United States

26.4 Miles
people

Number 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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