Updated December 14, 2025

4 Best Tips For Buying Cheap Car Insurance in San Antonio, TX

Texas cheapest insurance

4 Best Tips For Buying Cheap Car Insurance in San Antonio, TX

Jerry has helped customers find affordable coverage in Texas since 2019. In San Antonio, here are some key numbers from the past six months:

  • Jerry has helped 5,159 drivers to compare 16 insurance providers.

  • Majority of quotes range from $149 to $339 per month.

  • On average, Jerry users who switched to a lower quote saved $38 to $157 per month.

If you’re looking to save on car insurance, Jerry helps you shop around and find new quotes in minutes.

Buick1

How Jerry finds car insurance savings for San Antonio drivers

Premiums have gone up for a lot of drivers in San Antonio, but you don’t have to just sit back and accept it. Jerry compares quotes, uncovers discounts and helps you choose smarter coverage for your needs and budget.

Below are real examples of San Antonio drivers who found cheaper coverage through Jerry.

Recent quotes

Last Updated Dec. 15, 2025

Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.


Learn more: Best car insurance in Texas


If you’re looking to get the best deal on your car insurance, below are four top tips that Jerry’s agents have found.

Jerry Agent Tip 1: Always compare quotes from different companies

Comparing quotes from multiple companies helps you avoid paying more than you need for car insurance. Different insurers value driver profiles differently, which can lead to very different prices.

Here you can see how Jerry customers have received different quotes for the same coverage:

Recent customer quotes

Last Updated Dec. 15, 2025

Based on drivers with no accidents or violations who saved with Jerry over the past 6 months. Quotes and coverage not available for all customers.

Why it matters: Rates may go up in San Antonio, but insurers don’t price every driver the same way. A lower quote can often be found if you compare. Jerry shows you those price differences in minutes so you don’t overpay.

Jerry Agent Tip 2: Lower your premium by stacking discounts

Drivers in San Antonio can lower their premiums by taking advantage of discounts like having a safe driving record, getting a quote ahead of time or going paperless. These savings can help you get a lower quote without giving up the coverage you need.

Jerry automatically searches for every discount you qualify for so you never miss a chance to save.

Key takeaway: You may not have activated all of your available discounts. Use Jerry’s app to find out which discounts you qualify for.

Jerry Agent Tip 3: Balance coverage and cost

Choosing the right mix of coverage helps drivers in San Antonio stay protected without overspending. State minimums keep premiums low, while options like full coverage, standard and preferred tiers add stronger protections like rental reimbursement, towing and lower deductibles.

When you find the best balance between cost and protection, driving feels a lot more secure. Here are the coverage options available to drivers in San Antonio:

Minimum

$96$186/mo

Meets Texas’s 30/60/25 liability requirements to keep costs down, but doesn’t cover damage to your own vehicle.

Full

$179$344/mo

Adds collision and comprehensive coverage for your car, which is often required if your vehicle is financed or leased.

Standard

$241$443/mo

Includes uninsured/underinsured motorist coverage and medical payments (or PIP), especially valuable in Texas where many severe crashes involve uninsured drivers.

Preferred

$250$413/mo

Offers higher liability limits, lower deductibles, and extras like towing and rental reimbursement for broader protection.

Based on drivers with no accidents or violations who saved with Jerry over the past 6 months. Quotes and coverage not available for all customers.

Jerry recommends: Choose the coverage tier that matches your comfort with risk. Then use Jerry to compare real-time quotes for each tier and pick the one that gives you the best value.

  • Coverage definitions
cta1

Jerry Agent Tip 4: Pick the right deductible

Raising your deductible typically lowers your premium. Just be sure you can comfortably cover that cost if you need to file a claim.

Here’s a look at the deductibles Jerry drivers chose in the past year:

To find the ideal deductible:

  • Check your car’s value (Jerry tracks this for you monthly).

  • Choose what you can afford out-of-pocket.

  • See how deductibles change your rate in real time.

The Jerry difference: Jerry shows you real-time savings across multiple deductible levels, so you can confidently choose the balance between cost and coverage that fits you best.

Drive with confidence

Accidents, theft and repair bills are part of the reality of driving, but the right coverage helps you stay protected without overpaying. Jerry makes it simple for San Antonio drivers to compare quotes, choose the right coverage tier and find a policy that offers both savings and peace of mind.

lifestyle3

Methodology

To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.

At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.

Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.

Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.

Read more about Jerry’s data gathering and verification processes

Expert-driven. Built for you.
Our experts
meet-experts-thumbnail
Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

Over the past 12 months, 25% of drivers who switched with Jerry paid $89 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.

SIMPLIFY CAR OWNERSHIP

Shop smarter, save simpler—insurance, diagnostics, and repairs—all in one place

Let Jerry find you personalized quotes in minutes.