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.
| Company | Average 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 Name | Adults | Seniors | Teens | Young 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.
| Company | Average 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.
| Company | Average 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.
| Company | Average 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.
| Company | Average 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 Rates | State Minimum Average |
|---|---|
| $1,703 | $530 |
