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 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
|
|---|---|---|---|
| Aspire Advantage | $71 | $858 | San Antonio, TX |
| Geico | $86 | $1,036 | San Antonio, TX |
| Safeco | $92 | $1,104 | San Antonio, TX |
| Progressive | $93 | $1,112 | San Antonio, TX |
| Bristol West | $117 | $1,399 | San Antonio, TX |
| Bluefire | $119 | $1,427 | San Antonio, TX |
| ROOT | $120 | $1,439 | San Antonio, TX |
| Gainsco | $124 | $1,485 | San Antonio, TX |
| The General | $129 | $1,545 | San Antonio, TX |
| Assurance America | $137 | $1,650 | San Antonio, TX |
If you have a loan or lease on your vehicle, the lender will require
Learn more: Best car insurance companies
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
|
|---|---|---|---|
| Mercury | $165 | $1,983 | San Antonio, TX |
| Aspire Advantage | $199 | $2,383 | San Antonio, TX |
| Safeco | $214 | $2,572 | San Antonio, TX |
| Progressive | $223 | $2,677 | San Antonio, TX |
| Geico | $245 | $2,935 | San Antonio, TX |
| Gainsco | $248 | $2,971 | San Antonio, TX |
| ROOT | $258 | $3,094 | San Antonio, TX |
| Bluefire | $258 | $3,096 | San Antonio, TX |
| The General | $266 | $3,187 | San Antonio, TX |
| Bristol West | $300 | $3,595 | San Antonio, TX |
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: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 | $530 | $6,365 | San Antonio, TX |
| 21-24 | $373 | $4,475 | San Antonio, TX |
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 | $141 | $1,688 | San Antonio, TX |
| ROOT | $157 | $1,879 | San Antonio, TX |
| Progressive | $169 | $2,028 | San Antonio, TX |
| The General | $215 | $2,576 | San Antonio, TX |
| Bristol West | $230 | $2,760 | San Antonio, TX |
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 | $339 | $4,065 | San Antonio, TX |
| Geico | $361 | $4,332 | San Antonio, TX |
| Progressive | $388 | $4,659 | San Antonio, TX |
| The General | $443 | $5,321 | San Antonio, TX |
| Gainsco | $490 | $5,885 | San Antonio, TX |
| Bristol West | $533 | $6,398 | San Antonio, TX |
| Dairyland | $569 | $6,830 | San Antonio, TX |
| Electric | $581 | $6,972 | San Antonio, TX |
| Liberty Mutual | $584 | $7,013 | San Antonio, TX |
| Bluefire | $647 | $7,760 | San Antonio, TX |
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 | $280 | $3,363 | San Antonio, TX |
| 35-44 | $218 | $2,617 | San Antonio, TX |
| 45-54 | $213 | $2,556 | San Antonio, TX |
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 | $55 | $656 | San Antonio, TX |
| Safeco | $74 | $887 | San Antonio, TX |
| Progressive | $82 | $990 | San Antonio, TX |
| Bluefire | $89 | $1,073 | San Antonio, TX |
| Bristol West | $101 | $1,215 | San Antonio, TX |
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
|
|---|---|---|---|
| Bluefire | $200 | $2,397 | San Antonio, TX |
| Progressive | $209 | $2,510 | San Antonio, TX |
| Gainsco | $209 | $2,511 | San Antonio, TX |
| Geico | $219 | $2,632 | San Antonio, TX |
| Safeco | $231 | $2,776 | San Antonio, TX |
| Assurance America | $242 | $2,905 | San Antonio, TX |
| ROOT | $244 | $2,934 | San Antonio, TX |
| The General | $247 | $2,965 | San Antonio, TX |
| Bristol West | $272 | $3,259 | San Antonio, TX |
| National General | $277 | $3,320 | San Antonio, TX |
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 | $199 | $2,387 | San Antonio, TX |
| 65+ | $203 | $2,434 | San Antonio, TX |
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 | $51 | $612 | San Antonio, TX |
| Geico | $76 | $915 | San Antonio, TX |
| Gainsco | $80 | $965 | San Antonio, TX |
| Assurance America | $81 | $969 | San Antonio, TX |
| Bristol West | $83 | $1,001 | San Antonio, TX |
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 | $122 | $1,458 | San Antonio, TX |
| Gainsco | $149 | $1,783 | San Antonio, TX |
| Bluefire | $161 | $1,938 | San Antonio, TX |
| The General | $165 | $1,977 | San Antonio, TX |
| Assurance America | $170 | $2,041 | San Antonio, TX |
| Safeco | $175 | $2,098 | San Antonio, TX |
| Geico | $180 | $2,164 | San Antonio, TX |
| Electric | $184 | $2,214 | San Antonio, TX |
| Liberty Mutual | $212 | $2,544 | San Antonio, TX |
| Bristol West | $213 | $2,561 | San Antonio, TX |
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
|
|---|---|---|
| $255 | $3,064 | San Antonio, TX |
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
|
|---|---|---|---|
| Aspire Advantage | $126 | $1,511 | San Antonio, TX |
| Mercury | $165 | $1,983 | San Antonio, TX |
| Bluefire | $188 | $2,258 | San Antonio, TX |
| Safeco | $190 | $2,277 | San Antonio, TX |
| Progressive | $190 | $2,279 | San Antonio, TX |
| The General | $195 | $2,346 | San Antonio, TX |
| Gainsco | $197 | $2,360 | San Antonio, TX |
| Geico | $201 | $2,409 | San Antonio, TX |
| Assurance America | $220 | $2,646 | San Antonio, TX |
| ROOT | $223 | $2,675 | San Antonio, TX |
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 | $294 | $3,531 | San Antonio, TX |
| 660-750 | $284 | $3,409 | San Antonio, TX |
| <550 | $298 | $3,579 | San Antonio, TX |
| 750+ | $296 | $3,546 | San Antonio, TX |
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 | $226 | $2,709 | San Antonio, TX |
| Assurance America | <550 | $226 | $2,716 | San Antonio, TX |
| Progressive | <550 | $240 | $2,882 | San Antonio, TX |
| Commonwealth Insurance | <550 | $264 | $3,165 | San Antonio, TX |
| ROOT | <550 | $284 | $3,403 | San Antonio, TX |
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 | $337 | $4,041 | San Antonio, TX |
| Not At Fault | $321 | $3,857 | San Antonio, TX |
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 | $247 | $2,968 | San Antonio, TX |
| Progressive | $248 | $2,974 | San Antonio, TX |
| Safeco | $267 | $3,203 | San Antonio, TX |
| Commonwealth Insurance | $272 | $3,265 | San Antonio, TX |
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 |
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 | $355 | $4,261 | San Antonio, TX |
| Speeding under 15 | $307 | $3,682 | San Antonio, TX |
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
|
|---|---|---|---|
| Infinity | $116 | $1,390 | San Antonio, TX |
| Safeco | $156 | $1,869 | San Antonio, TX |
| Assurance America | $236 | $2,829 | San Antonio, TX |
| Bluefire | $270 | $3,243 | San Antonio, TX |
| Progressive | $286 | $3,436 | San Antonio, TX |
| Gainsco | $300 | $3,597 | San Antonio, TX |
| ROOT | $302 | $3,627 | San Antonio, TX |
| Mendota | $324 | $3,887 | San Antonio, TX |
| Electric | $373 | $4,476 | San Antonio, TX |
| Commonwealth Insurance | $378 | $4,540 | San Antonio, TX |
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 | $324 | $3,883 | San Antonio, TX |
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
|
|---|---|---|---|
| Assurance America | $152 | $1,827 | San Antonio, TX |
| ROOT | $230 | $2,765 | San Antonio, TX |
| Progressive | $233 | $2,793 | San Antonio, TX |
| Bluefire | $280 | $3,363 | San Antonio, TX |
| National General | $296 | $3,546 | San Antonio, TX |
| Commonwealth Insurance | $301 | $3,611 | San Antonio, TX |
| Bristol West | $313 | $3,754 | San Antonio, TX |
| Dairyland | $325 | $3,897 | San Antonio, TX |
| Mendota | $416 | $4,990 | San Antonio, TX |
| Gainsco | $439 | $5,271 | San Antonio, TX |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
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.
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.
