Cheap Car Insurance in San Antonio (September 2025)

Written by Xuyun Zeng and 1 other
Updated Sep 26, 2025
Insurance price card

Cheap Car Insurance in San Antonio (September 2025)

No long forms No spam or unwanted phone calls Quotes from top insurance companies

Why you can trust Jerry’s editorial content
Jerry’s editorial content is created, edited and fact-checked by licensed insurance agents, automotive professionals and experienced researchers and writers. Facts are thoroughly researched, independently verified and routinely updated. Read more about our editorial standards and how we make money.

Whether you’re a savvy San Antonio driver who uses frontage roads to avoid rush-hour traffic or you’re still acclimating to the circular Interstate 410 and Loop 1604, robust car insurance is a must-have in the Alamo City. Because San Antonio is one of the state’s most populous cities, drivers may pay higher rates than Texans in smaller towns, meaning it’s wise to compare quotes from multiple insurers to find the best rate.

We’ve gathered quote data from real Jerry customers in San Antonio to show you how your age, location in the city and driving record can affect your premium costs.

Learn more: Get cheap car insurance the smart way, today

Cheapest minimum coverage insurance in San Antonio

Texas requires drivers to carry these coverages at minimum:

  • $30,000 of bodily injury per person.
  • $60,000 of bodily injury per accident.
  • $25,000 for property damage.

Here are the average costs that insurers quote to San Antonio drivers for minimum coverage, from cheapest to most expensive, according to quote data from local Jerry customers.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Geico $75 $902 San Antonio, TX
Safeco $93 $1,122 San Antonio, TX
Progressive $94 $1,134 San Antonio, TX
Bristol West $117 $1,398 San Antonio, TX
Bluefire $117 $1,403 San Antonio, TX
The General $117 $1,404 San Antonio, TX
ROOT $121 $1,455 San Antonio, TX
Gainsco $126 $1,518 San Antonio, TX
Trexis $137 $1,639 San Antonio, TX
Assurance America $140 $1,675 San Antonio, TX
Last Updated Sept. 24, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Learn more: Best car insurance companies

SIMPLIFY YOUR CAR INSURANCE IN MINUTES WITH JERRY

Cheapest full coverage insurance in San Antonio

On the rare occasion when it rains enough to cause flooding in San Antonio, the state’s minimum coverage may not be enough protection. Full coverage kicks in if you want to repair your vehicle after an accident, regardless of who is at fault, or if your car is stolen or damaged by weather or an animal collision.

This table shows the average full coverage insurance costs for San Antonio drivers, from cheapest to most expensive, according to Jerry’s quote data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Safeco $219 $2,627 San Antonio, TX
Progressive $224 $2,687 San Antonio, TX
The General $246 $2,950 San Antonio, TX
Gainsco $248 $2,974 San Antonio, TX
ROOT $256 $3,067 San Antonio, TX
Bluefire $262 $3,143 San Antonio, TX
Geico $271 $3,256 San Antonio, TX
Clearcover $293 $3,517 San Antonio, TX
Bristol West $295 $3,542 San Antonio, TX
Trexis $299 $3,587 San Antonio, TX
Last Updated Sept. 24, 2025

More: Best car insurance in Texas

Estimate car insurance costs

Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.

Average monthly quote:
$–
COMPARE QUOTES
Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.

Cheapest car insurance for young drivers in San Antonio

Insurers often view younger drivers as inexperienced, which makes them riskier to insure and increases their policy costs. Here's what young drivers in San Antonio can expect to pay, based on quote data from real Jerry customers.

Age Group
Avg Monthly Quote
Avg Annual Quote
City, State
18-20 $510 $6,124 San Antonio, TX
21-24 $357 $4,286 San Antonio, TX
$246 $2,950 San Antonio, TX
$248 $2,974 San Antonio, TX
$256 $3,067 San Antonio, TX
$262 $3,143 San Antonio, TX
$271 $3,256 San Antonio, TX
$293 $3,517 San Antonio, TX
$295 $3,542 San Antonio, TX
$299 $3,587 San Antonio, TX
Last Updated Sept. 26, 2025

More: Cheapest car insurance in Texas

Cheapest minimum coverage for 20-year-olds

Based on Jerry's data, these insurers offer the cheapest minimum coverage auto insurance for 20-year-olds in San Antonio.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Geico $140 $1,685 San Antonio, TX
Progressive $161 $1,934 San Antonio, TX
ROOT $167 $2,001 San Antonio, TX
The General $186 $2,228 San Antonio, TX
Trexis $201 $2,412 San Antonio, TX
Bluefire $262 $3,143 San Antonio, TX
Geico $271 $3,256 San Antonio, TX
Clearcover $293 $3,517 San Antonio, TX
Bristol West $295 $3,542 San Antonio, TX
Trexis $299 $3,587 San Antonio, TX
Last Updated Sept. 26, 2025

Cheapest full coverage for 20-year-olds

These insurers offer the cheapest full coverage car insurance policies for 20-year-olds, according to Jerry's quote data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
ROOT $337 $4,042 San Antonio, TX
Progressive $357 $4,288 San Antonio, TX
Trexis $380 $4,566 San Antonio, TX
The General $395 $4,739 San Antonio, TX
Geico $445 $5,340 San Antonio, TX
Gainsco $497 $5,968 San Antonio, TX
Bristol West $518 $6,212 San Antonio, TX
Dairyland $556 $6,672 San Antonio, TX
Electric $580 $6,961 San Antonio, TX
Commonwealth Insurance $581 $6,969 San Antonio, TX
Last Updated Sept. 24, 2025

Cheapest car insurance costs for mature drivers in San Antonio (25-54 years old)

As you reach your late 20s and 30s, car insurance will likely get cheaper. This is a good time to revisit your policy and shop for a lower rate. Here are the rates more mature drivers can expect to pay in San Antonio, based on Jerry's quote data.

Age Group
Avg Monthly Quote
Avg Annual Quote
City, State
25-34 $270 $3,236 San Antonio, TX
35-44 $213 $2,556 San Antonio, TX
45-54 $210 $2,524 San Antonio, TX
$395 $4,739 San Antonio, TX
$445 $5,340 San Antonio, TX
$497 $5,968 San Antonio, TX
$518 $6,212 San Antonio, TX
$556 $6,672 San Antonio, TX
$580 $6,961 San Antonio, TX
$581 $6,969 San Antonio, TX
Last Updated Sept. 26, 2025

Cheapest minimum coverage for 36-year-olds

These insurers offer the cheapest quotes for minimum coverage car insurance to 36-year-olds in San Antonio, according to Jerry's data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Geico $47 $563 San Antonio, TX
Progressive $85 $1,022 San Antonio, TX
Bluefire $90 $1,077 San Antonio, TX
Safeco $98 $1,176 San Antonio, TX
Bristol West $103 $1,235 San Antonio, TX
Gainsco $497 $5,968 San Antonio, TX
Bristol West $518 $6,212 San Antonio, TX
Dairyland $556 $6,672 San Antonio, TX
Electric $580 $6,961 San Antonio, TX
Commonwealth Insurance $581 $6,969 San Antonio, TX
Last Updated Sept. 24, 2025

Cheapest full coverage for 36-year-olds

These insurers provide the cheapest full coverage quotes to 36-year-olds in San Antonio, according to Jerry's data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Progressive $197 $2,370 San Antonio, TX
Bluefire $201 $2,410 San Antonio, TX
Gainsco $206 $2,472 San Antonio, TX
Safeco $209 $2,513 San Antonio, TX
Trexis $210 $2,521 San Antonio, TX
The General $228 $2,738 San Antonio, TX
Assurance America $228 $2,739 San Antonio, TX
Geico $232 $2,790 San Antonio, TX
ROOT $233 $2,795 San Antonio, TX
Bristol West $261 $3,132 San Antonio, TX
Last Updated Sept. 27, 2025

Cheapest car insurance for older drivers (55+ years old)

Seniors continue to see their insurance costs lower in their 50s but after 60, rates may start to rise. Here are the average rates for older San Antonio drivers, based on data from Jerry customers.

Age Group
Avg Monthly Quote
Avg Annual Quote
City, State
55-64 $193 $2,319 San Antonio, TX
65+ $202 $2,428 San Antonio, TX
45-54 $206 $2,472 San Antonio, TX
$209 $2,513 San Antonio, TX
$210 $2,521 San Antonio, TX
$228 $2,738 San Antonio, TX
$228 $2,739 San Antonio, TX
$232 $2,790 San Antonio, TX
$233 $2,795 San Antonio, TX
$261 $3,132 San Antonio, TX
Last Updated Sept. 27, 2025

Cheapest minimum coverage for 65-year-olds

These insurers provide the lowest price quotes for 65-year-olds in San Antonio, according to Jerry's data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Progressive $66 $790 San Antonio, TX
Geico $75 $903 San Antonio, TX
The General $81 $971 San Antonio, TX
Gainsco $88 $1,050 San Antonio, TX
Bluefire $94 $1,132 San Antonio, TX
The General $228 $2,738 San Antonio, TX
Assurance America $228 $2,739 San Antonio, TX
Geico $232 $2,790 San Antonio, TX
ROOT $233 $2,795 San Antonio, TX
Bristol West $261 $3,132 San Antonio, TX
Last Updated Sept. 24, 2025

Cheapest full coverage for 65-year-olds

Here are the companies that offer the cheapest full coverage policies to 65-year-olds, based on Jerry's quote data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Progressive $138 $1,661 San Antonio, TX
Gainsco $160 $1,922 San Antonio, TX
The General $162 $1,946 San Antonio, TX
Geico $169 $2,028 San Antonio, TX
Safeco $177 $2,121 San Antonio, TX
Bluefire $177 $2,129 San Antonio, TX
Assurance America $181 $2,173 San Antonio, TX
Trexis $211 $2,535 San Antonio, TX
Electric $213 $2,555 San Antonio, TX
National General $221 $2,648 San Antonio, TX
Last Updated Sept. 26, 2025
COMPARE AFFORDABLE CAR INSURANCE WITH JERRY

Cheapest car insurance for drivers with clean records in San Antonio

The lowest rates are often reserved for drivers with no claims or violations on their records. Here's what drivers with clean records can expect to pay on average, according to Jerry's quote data.

Avg Monthly Quote
Avg Annual Quote
City, State
$254 $3,042 San Antonio, TX
$160 $1,922 San Antonio, TX
$162 $1,946 San Antonio, TX
$169 $2,028 San Antonio, TX
$177 $2,121 San Antonio, TX
$177 $2,129 San Antonio, TX
$181 $2,173 San Antonio, TX
$211 $2,535 San Antonio, TX
$213 $2,555 San Antonio, TX
$221 $2,648 San Antonio, TX
Last Updated Sept. 26, 2025

These insurers offer the lowest prices to San Antonio drivers with spotless records, according to Jerry's data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
The General $179 $2,147 San Antonio, TX
Bluefire $189 $2,271 San Antonio, TX
Progressive $190 $2,280 San Antonio, TX
Safeco $192 $2,301 San Antonio, TX
Gainsco $203 $2,436 San Antonio, TX
Geico $209 $2,510 San Antonio, TX
Trexis $220 $2,635 San Antonio, TX
ROOT $220 $2,639 San Antonio, TX
First Acceptance $222 $2,658 San Antonio, TX
Assurance America $222 $2,668 San Antonio, TX
Last Updated Sept. 24, 2025

Cheapest car insurance rates for drivers with low credit scores in San Antonio

A low credit score can result in a higher insurance premium, which means you may have to rate shop for car insurance to find a low-cost policy.

Here's what San Antonio drivers can expect to pay for car insurance, based on their credit scores, according to Jerry's quote data.

Credit Score
Avg Monthly Quote
Avg Annual Quote
City, State
550-659 $293 $3,511 San Antonio, TX
660-750 $281 $3,376 San Antonio, TX
<550 $296 $3,547 San Antonio, TX
750+ $282 $3,389 San Antonio, TX
$203 $2,436 San Antonio, TX
$209 $2,510 San Antonio, TX
$220 $2,635 San Antonio, TX
$220 $2,639 San Antonio, TX
$222 $2,658 San Antonio, TX
$222 $2,668 San Antonio, TX
Last Updated Sept. 25, 2025

These insurance companies provide the cheapest quotes to San Antonio drivers with scores below 550, based on Jerry's data.

Insurance Company
Credit Score
Avg Monthly Quote
Avg Annual Quote
City, State
Bluefire <550 $212 $2,543 San Antonio, TX
Assurance America <550 $234 $2,802 San Antonio, TX
Progressive <550 $239 $2,873 San Antonio, TX
Commonwealth Insurance <550 $255 $3,063 San Antonio, TX
Gainsco <550 $292 $3,503 San Antonio, TX
Geico $209 $2,510 San Antonio, TX
Trexis $220 $2,635 San Antonio, TX
ROOT $220 $2,639 San Antonio, TX
First Acceptance $222 $2,658 San Antonio, TX
Assurance America $222 $2,668 San Antonio, TX
Last Updated Sept. 25, 2025

Cheapest car insurance for drivers with at-fault accidents in San Antonio

Having an accident on your record usually causes your policy costs to rise. Here's what a driver with an at-fault accident can expect to pay in San Antonio, based on Jerry's quote data.

At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
City, State
At Fault With Injury $726 $8,718 San Antonio, TX
At Fault With No Injury $334 $4,014 San Antonio, TX
Not At Fault $310 $3,718 San Antonio, TX
$255 $3,063 San Antonio, TX
$292 $3,503 San Antonio, TX
$209 $2,510 San Antonio, TX
$220 $2,635 San Antonio, TX
$220 $2,639 San Antonio, TX
$222 $2,658 San Antonio, TX
$222 $2,668 San Antonio, TX
Last Updated Sept. 24, 2025

Cheapest car insurance for drivers with at-fault accidents with no injury in San Antonio

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Infinity $116 $1,390 San Antonio, TX
Bluefire $246 $2,949 San Antonio, TX
Progressive $248 $2,980 San Antonio, TX
Commonwealth Insurance $282 $3,388 San Antonio, TX
Assurance America $284 $3,408 San Antonio, TX
Geico $209 $2,510 San Antonio, TX
Trexis $220 $2,635 San Antonio, TX
ROOT $220 $2,639 San Antonio, TX
First Acceptance $222 $2,658 San Antonio, TX
Assurance America $222 $2,668 San Antonio, TX
Last Updated Sept. 24, 2025

Cheapest car insurance for drivers with at-fault accidents with injury in San Antonio

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Electric $429 $5,153 San Antonio, TX
Mendota $523 $6,271 San Antonio, TX
Bristol West $578 $6,940 San Antonio, TX
The General $721 $8,654 San Antonio, TX
Assurance America $727 $8,719 San Antonio, TX
Geico $209 $2,510 San Antonio, TX
Trexis $220 $2,635 San Antonio, TX
ROOT $220 $2,639 San Antonio, TX
First Acceptance $222 $2,658 San Antonio, TX
Assurance America $222 $2,668 San Antonio, TX
Last Updated Sept. 24, 2025

Cheapest car insurance for drivers with speeding tickets in San Antonio

A speeding ticket usually causes your premium to rise, and the faster you're going when cited, the more expensive your policy may be. Here's what drivers with speeding tickets pay in San Antonio on average, according to customer data collected by Jerry.

Violation Summary
Avg Monthly Quote
Avg Annual Quote
City, State
Speeding over 15 $356 $4,272 San Antonio, TX
Speeding under 15 $319 $3,822 San Antonio, TX
$578 $6,940 San Antonio, TX
$721 $8,654 San Antonio, TX
$727 $8,719 San Antonio, TX
$209 $2,510 San Antonio, TX
$220 $2,635 San Antonio, TX
$220 $2,639 San Antonio, TX
$222 $2,658 San Antonio, TX
$222 $2,668 San Antonio, TX
Last Updated Sept. 22, 2025

These insurers provide the most affordable insurance policies to San Antonio drivers with speeding tickets on their records, according to Jerry's quote data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Trexis $127 $1,521 San Antonio, TX
Bluefire $234 $2,803 San Antonio, TX
Assurance America $234 $2,808 San Antonio, TX
Gainsco $243 $2,910 San Antonio, TX
ROOT $248 $2,970 San Antonio, TX
Safeco $253 $3,036 San Antonio, TX
Geico $254 $3,046 San Antonio, TX
Progressive $261 $3,129 San Antonio, TX
The General $272 $3,263 San Antonio, TX
Electric $319 $3,831 San Antonio, TX
Last Updated Sept. 22, 2025

Cheapest car insurance for drivers with DUIs in San Antonio

A DUI is often cause for your insurance rates to rise. Here's what drivers in San Antonio who have DUIs on their records can expect to pay, according Jerry's quote data.

Violation Summary
Avg Monthly Quote
Avg Annual Quote
City, State
DUI $294 $3,533 San Antonio, TX
Speeding under 15 $234 $2,803 San Antonio, TX
$234 $2,808 San Antonio, TX
$243 $2,910 San Antonio, TX
$248 $2,970 San Antonio, TX
$253 $3,036 San Antonio, TX
$254 $3,046 San Antonio, TX
$261 $3,129 San Antonio, TX
$272 $3,263 San Antonio, TX
$319 $3,831 San Antonio, TX
Last Updated Sept. 22, 2025

These insurers offer the cheapest insurance quotes to San Antonio drivers with DUIs, per Jerry's customer quote data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Geico $185 $2,218 San Antonio, TX
Safeco $205 $2,454 San Antonio, TX
Gainsco $211 $2,531 San Antonio, TX
Bluefire $211 $2,537 San Antonio, TX
Progressive $228 $2,739 San Antonio, TX
Trexis $229 $2,748 San Antonio, TX
The General $229 $2,751 San Antonio, TX
ROOT $229 $2,753 San Antonio, TX
Commonwealth Insurance $249 $2,993 San Antonio, TX
Assurance America $255 $3,066 San Antonio, TX
Last Updated Sept. 22, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET 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.

meet-experts-thumbnail
Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 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.
You're minutes away from insurance savings.