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Car insurance coverage in San Antonio costs an average of $1,703 annually for full coverage. That's $256 more expensive than the national average of $1,447. If you are looking for the cheapest car insurance in San Antonio, consider comparing quotes from multiple insurers. Rates can vary by hundreds of dollars, depending on your age, driving record, and the type of car you own.

Read this guide to find out which insurance companies in San Antonio provide the best car insurance coverage for you. Also, know about the carriers that have the best ratings for customer satisfaction and what rate each provider offers for your specific situation.

Cheapest car insurance companies in San Antonio

Colonial County Mutual is the cheapest car insurance company in San Antonio with an average cost of $1,187 per year, based on insurance.com's rate analysis. While State Farm Mutl Automobile Ins is second in terms of the cheapest car insurance companies in San Antonio. The table below shows how major insurance carriers rank for price.

CompanyAverage Annual Rates
Colonial County Mutual$1,187
State Farm Mutl Automobile Ins$1,301
United Svcs Automobile Assn$1,377
Auto Club County Mutl$1,417
GEICO County Mutual$1,590
Mercury County Mutual$1,738
Met Lloyds of TX$1,813
Progressive County Mutl$1,886
Foremost County Mutual$2,148
Allstate F&C$2,574

Cheapest car insurance cost in San Antonio by age group

Among the carriers surveyed by Insurance.com, Texas Farm Bureau Mut Ins Co is the cheapest car insurance company for adult drivers. It offers insurance at about $1,467 a year or $122 a month.

Rates typically drop as you gain more experience on the road and adult drivers can save money by shopping around and availing themselves of the discounts for which they are eligible. Texas Farm Bureau Mut Ins Co is also the cheapest auto insurance company for seniors with an average cost of $1,378 annually.

Car insurance rates go up for drivers after they enter their senior years, but they can trim their insurance costs by comparing quotes. Apart from shopping around, seniors can take advantage of the driver discounts available to lower their car insurance premiums.

Geico County Mutual Ins Co. offers the cheapest car insurance for young adults in San Antonio at about $2,174 a year. While Texas Farm Bureau Mut Ins Co is the cheapest insurance provider for teen drivers for full coverage at an average of $3,371 a year.

The table below shows that young drivers pay higher car insurance rates than adult and senior drivers because of the lack of experience on the road. But young drivers can lower their insurance rates by shopping around, by taking advantage of the good student discount, or by staying on their parents' insurance policy for as long as they can.

Company NameAdultsSeniorsTeensYoung Adults
Texas Farm Bureau Mut Ins Co$1,467$1,378$3,371$2,391
State Farm Mut Auto Ins Co$1,548$1,446$3,899$2,452
Colonial Cnty Mut Ins Co$1,627$1,598$5,540$2,914
Geico County Mutual Ins Co.$1,743$1,755$3,755$2,174
AAA TX Cnty Mut Ins Co$1,788$1,744$5,680$2,957
Allstate Fire & Cas Ins Co$2,963$3,080$7,111$4,676

Cheapest car insurance companies in San Antonio by driver profile

Location and driving record are the two important factors that determine the cost of your car insurance. Your driving record can either raise or lower your car insurance premium depending on whether you have a good or bad driving history.

However, you can still find affordable coverage in San Antonio no matter what your driving history looks like. Make sure you compare the rates of different insurance companies to get the best deal possible.

  • Cheapest for a driver with Poor Credit: Colonial County Mutual
  • Cheapest for a driver with a speeding ticket: State Farm
  • Cheapest for accident: State Farm
  • Cheapest for DUI: State Farm

Cheapest for a driver with poor credit: Colonial County Mutual

Colonial County Mutual is the cheapest car insurance company for a driver with poor credit in San Antonio. Its average annual rate is $2,582 or $215 a month.

Insurance companies often require that car drivers have good credit scores, and those with bad or poor credit may face more expensive rates.

CompanyAvgerage Annual Rates
Colonial County Mutual Ins Co$2,582
United$3,248
Auto Club$3,253
State Farm$3,591
Foremost County Mutual Ins Co$3,929
Mercury$4,428
Progressive$5,192
Geico$5,218
Allstate$5,793
Met Lloyds Ins Co of TX$8,405

Cheapest auto insurance for drivers with a speeding ticket: State Farm

State Farm is the cheapest auto insurance company for a driver with a speeding ticket in San Antonio. Its average annual premium is $1,714 annually or $143 per month.

If you get a speeding ticket, it can lead to higher insurance rates for 3-5 years. Make sure you compare price quotes from multiple insurers before you decide on the company.

CompanyAvgerage Annual Rates
State Farm$1,714
Colonial County Mutual Ins Co$2,096
United$2,132
Met Lloyds Ins Co of TX$3,079
Auto Club$3,107
Geico$3,108
Allstate$3,715
Progressive$3,759
Mercury$4,057
Foremost County Mutual Ins Co$4,445

Cheapest auto insurance after an at-fault accident: State Farm

State Farm offers the cheapest car insurance rates for a driver with an accident record in San Antonio at about $2,024 per year. Apart from State Farm, Colonial County Mutual , United, and Geico are other cheap insurance companies on our list.

CompanyAvgerage Annual Rates
State Farm$2,024
Colonial County Mutual Ins Co$2,421
United$2,950
Geico$3,049
Auto Club$3,458
Progressive$4,382
Mercury$5,118
Foremost County Mutual Ins Co$5,732
Allstate$5,923
Met Lloyds Ins Co of TX$6,869

Cheapest auto insurance after a DUI: State Farm

State Farm is the cheapest insurance company for a driver after a DUI or DWI offense in Allakaket at about a $2,649 year.

If you're convicted of a DUI, your insurance rates will go up and it could be years before they come down again. So, it's important to shop around and find the best deal for you.

CompanyAvgerage Annual Rates
State Farm$2,649
Colonial County Mutual Ins Co$2,957
United$3,138
Auto Club$3,471
Geico$3,496
Progressive$3,504
Foremost County Mutual Ins Co$3,717
Mercury$3,876
Allstate$5,996
Met Lloyds Ins Co of TX$7,841

Average car insurance cost in San Antonio

The average car insurance rate in San Antonio is $1,703 a year for a full coverage policy of 100/300/100 for a driver age 30, $256 more than the national average of $1,447.

The average annual premium in San Antonio for minimum coverage is $530 a year or $44 a month, based on Insurance.com's rate analysis.

Average Annual RatesState Minimum Average
$1,703$530