Cheapest car insurance companies in San Antonio 

After an in-depth analysis, Insurance.com found that Texas Farm Bureau and Nationwide are the cheapest car insurance companies in San Antonio for 2023. 

In San Antonio, Texas Farm Bureau provides the cheapest auto insurance rates to drivers at an average annual premium of $1,384 annually

Car insurance costs may vary in San Antonio based on your location, driving record, coverage level and the insurance company you choose. Increase your chances of getting the best deal by comparing car insurance quotes from multiple carriers. The following companies are known to offer the cheapest auto insurance rates in San Antonio.

CompaniesAverage annual rates
Texas Farm Bureau$1,384
Nationwide$1,522
Redpoint County Mutual$1,610
Geico$1,774
USAA$1,932
Auto Club Enterprises (AAA)$2,056
State Farm$2,074
Allstate$3,026
Progressive$3,189
Farmers$4,130

Cheapest car insurance cost in San Antonio by Age Group 

Redpoint County Mutual offers the cheapest full coverage car insurance for teenage drivers in San Antonio, with an average annual cost of $1,610 per year. Insurance companies deem teenagers as "high-risk" drivers due to their inexperience and statistically higher accident rates. This elevated risk profile translates to significantly higher car insurance costs for young drivers compared to their older counterparts. 

Getting lower rates isn't easy for young drivers, but they can take some steps to increase their chances of getting affordable insurance. Many insurance companies offer good student discounts to drivers who maintain a certain grade point average (GPA). Besides, teen drivers can lower premiums by staying on their parents' insurance. 

Redpoint County Mutual is the cheapest car insurance company for young adults. It offers full coverage auto insurance for young drivers in San Antonio at about $1,610 per year

You'll find that car insurance rates are much lower by the time drivers reach their 30s than they are for drivers in their 20s. The cheapest auto insurance company for adult drivers in San Antonio is Texas Farm Bureau. Its average rate for a full coverage car insurance policy is $1,370 per year

If you are a senior driver in San Antonio and looking for a cheap car insurance company, then consider buying insurance from Texas Farm Bureau. It is the cheapest auto insurance company for senior drivers, with an average premium of $1,156 per year

CompanyTeensYoung AdultsAdultsSeniors
Redpoint County Mutual$1,610$1,610$1,610$1,610
Texas Farm Bureau$2,617$1,905$1,370$1,156
USAA$4,152$2,763$1,952$1,999
Geico$4,257$2,395$1,763$1,688
State Farm$5,508$3,298$2,072$1,959
Nationwide$5,607$2,714$1,513$1,506
Allstate$6,184$4,244$3,056$2,945
Auto Club Enterprises (AAA)$6,815$3,786$2,100$2,124
Progressive$8,182$5,444$3,213$3,203
Farmers$9,261$5,838$4,019N/A

Cheapest car insurance companies in San Antonio by driver profile 

Car insurance rates in San Antonio vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations

To find the cheapest car insurance company in San Antonio, it's important to compare auto insurance rates from multiple providers. This way, you can find the best deal that meets your needs and budget. 

Here are some of the cheapest car insurance companies in San Antonio based on driver profile. 

The cheapest car insurance company for a driver with poor credit is Nationwide. It offers auto insurance for San Antonio drivers at about $1,880 per year

The table below shows the list of car insurance companies that offer affordable car insurance for drivers with poor or bad credit scores. 

CompanyAverage annual rates
Nationwide$1,880
State Farm$2,828
USAA$2,901
Farmers$2,909
Progressive$3,743
Geico$4,483
Allstate$4,708

State Farm offers the cheapest auto insurance rates for drivers with a speeding ticket in San Antonio. It offers full coverage car insurance for drivers aged 30 at about $1,363 per year

Finding the right car insurance company is all about individual needs. Take the time to compare quotes from different carriers and secure the best deal. With careful analysis, you can find an insurance company that provides the best rates and coverage tailored to your specific needs.

CompanyAverage annual premium
State Farm$1,363
Nationwide$1,633
USAA$1,846
Geico$2,601
Allstate$2,966
Progressive$2,997
Farmers$3,574

Looking for affordable car insurance rates after an at-fault accident? It can be a challenge, but with comparison shopping, you might find a policy that suits your budget.

Drivers in San Antonio with at-fault accidents on their driving records can find the cheapest car insurance rates with State Farm. Its full coverage policy costs an average of $1,712 annually.

CompanyAverage annual rates
State Farm$1,712
Nationwide$2,121
Geico$2,897
USAA$2,975
Progressive$3,872
Allstate$4,995
Farmers$5,246

State Farm is the cheapest option for San Antonio drivers seeking affordable auto insurance rates after a DUI conviction, at an annual rate of $2,495, on average.

A DUI conviction can significantly affect your auto insurance rates. However, to keep your coverage rates low, it is important to compare quotes from various insurers before renewing or purchasing a new policy. Doing so ensures you get the most competitive rate for your situation.

CompanyAverage annual rates
State Farm$2,495
USAA$2,813
Nationwide$2,926
Farmers$3,090
Progressive$3,235
Geico$3,330
Allstate$5,939

Average car insurance cost in San Antonio 

Full coverage car insurance in San Antonio for a coverage limit of 100/300/100 is $2,181 per year or $182 per month, while the state minimum coverage costs an average of $649 a year.

While full coverage car insurance is more expensive than the state minimum, it provides valuable protection for your own vehicle in addition to coverage for other drivers in the event of an accident. To save money, consider comparing quotes from multiple insurance companies.

Average annual RatesState minimum average
$2,181$649

Methodology

Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.