General

Best Cheap Car Insurance in San Antonio

Best Cheap Car Insurance in San Antonio

The company with the cheapest auto insurance in San Antonio is State Farm, according to Bankrate’s 2022 survey of quoted annual premiums. The average cost of full coverage auto insurance in San Antonio is $1,857 per year, which is about $155 per month. For minimum coverage, the average annual minimum coverage premium is $573.

While minimal coverage offers the cheapest rates, insurance experts usually recommend buying enough coverage to avoid paying huge out-of-pocket costs if you cause an accident. Auto insurance coverage, especially liability insurance, protects you financially if you cause injury or property damage in an accident. With minimal coverage, the coverage limits are quite low and there’s a good chance you’ll have to pay some of the damage yourself if you cause a serious accident. The minimum coverage also does not cover damage to your own vehicle or any injuries you could sustain in a culpable accident.

Top Car Insurance Companies in San Antonio

The best, cheapest auto insurance companies in San Antonio are State Farm, Geico, Mercury, USAA and Nationwide, according to Bankrate’s analysis of rates provided by Quadrant Information Services. To find the best auto insurance companies in San Antonio with the most affordable rates, Bankrate reviewed dozens of carriers and assigned them a Bankrate score.

The Bankrate score is based on a five-point scale and uses several criteria, including average annual premiums, coverage options, discounts, policies and online features, mobile accessibility, JD Power external customer service scores, and AM Best financial strength ratings. The Bankrate Score, along with the actual average annual rates of each auto insurance company we studied, can help Texas drivers find the best cheap auto insurance companies in San Antonio.

*USAA is not eligible for official rank with JD Power due to eligibility restrictions.

state farm

State Farm offers the lowest average annual full-coverage auto insurance rates in San Antonio on our list. It also happens to be one of Texas’ cheapest auto insurance companies for speeding drivers. The carrier achieves a high bank rate score of 4.7 and ranks sixth for: car claims satisfaction, although in the Texas area it is below average for overall customer service satisfaction. State Farm has dedicated agents for those who prefer a personalized experience. Drivers in San Antonio can also personalize their auto insurance coverage with coverage options such as car rental and travel expenses, roadside assistance, and ride-sharing coverage.

Learn more: State Farm Insurance Review

Geico

With a Bankrate score of 4.7, Geico ranks fairly high in all the categories we studied. It also offers the second lowest average full coverage premium, lowest average minimum coverage rates on our list for drivers in San Antonio. You can save even more with Geico’s extensive discounts, such as discounts for federal employees, good students, and military. While the policy is relatively simple and there aren’t many optional coverages to tailor your policy to your needs, Geico can be a good choice if budget is your primary concern. While the carrier scored above average for auto claim satisfaction, it ranks below the industry average for the Texas region for customer satisfaction.

Learn more: Geico Insurance Review

Mercury

Mercury offered insurance coverage in only 11 states and failed to rank for both JD Power studies. However, it did achieve a respectable bank rate score of 4.2, and it offers below-average rates among insurance companies we studied in San Antonio. Mercury offers standard coverage options and potential discounts, helping drivers in San Antonio keep rates low. With an average rate increase of 34% after conviction, Mercury may not be the best choice for those with a speeding ticket, but the company could be a good option for drivers with poor credit who need affordable coverage.

Learn more: Mercury Insurance review

USA

San Antonio is known as Military City, USA, because it four military bases† USAA specializes in affordable auto insurance for active and retired military personnel and eligible family members. While the company does not qualify for an official ranking with JD Power due to its eligibility restrictions, it consistently receives very high customer service scores in both surveys. It also receives the highest available bank fare score of 5.0, and while it has one of the higher average fares than most of the other San Antonio airlines we studied, average fares are still well below the city average. If you qualify for coverage, you may be able to save with military-focused discounts, such as savings for storing your vehicle at a military base or storing your car while on duty.

Learn more: USAA Insurance Rating

rural

While Nationwide has the highest average rates on our cheap list, it’s still below average for San Antonio. While Nationwide achieved a Bankrate Score of 4.4, it fell below average for auto claims satisfaction and failed to score in the Texas region for customer satisfaction. However, Nationwide has some of the cheapest average rates for drivers with bad credit. The carrier also offers several coverage options to customize your auto insurance, such as gap insurance, rental car, accident waiver, deductible deductible, and total loss waiver.

Learn more: National Insurance Rating

How to get and keep the cheapest car insurance in San Antonio?

To get and keep the cheapest car insurance in San Antonio, drivers need to learn safe driving habits. Insurers typically offer the most affordable rates to those with a clean driving record, so being responsible behind the wheel can help you get the cheapest rates while still getting the best auto insurance in San Antonio.

  • Request multiple quotes. Shopping and comparing quotes is a great way to get affordable rates. Insurers have their own rate structures, so if you get multiple quotes, you can find the one with the cheapest rates.
  • Get clean driving data. When you adopt safe driving habits, you are more likely to avoid fines and accidents. This can help keep rates affordable and qualify you for certain incentives, such as a claim-free discount and accident waiver. Most auto insurance companies also offer telematics programs that reward safe driving habits.

Frequently Asked Questions

Methodology

Bankrate uses Quadrant Information Services to analyze 2022 rates for all zip codes and carriers in all 50 states and Washington, DC. Rates quoted are based on a 40-year-old male and female driver with clean driving, good credit, and the following full coverage limits:

  • $100,000 Liability for Personal Injury Per Person
  • $300,000 Personal Injury Liability per Accident
  • $50,000 Property Damage Liability per Accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 Comprehensive Deductible

To determine the minimum coverage limits, Bankrate used minimum coverages that meet the requirements of each state. Our Basic Profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sampling rates and should only be used for comparison purposes.