Buy Cheap San Antonio, TX Auto Insurance
USAA is the cheapest San Antonio, TX auto insurance company. Rates average around $220 per month or $2,643 annually, although only military personnel can use USAA. State Farm is the second cheapest and is available to everyone. San Antonio, TX car insurance must meet the state minimum requirements with coverage levels of 30/60/25 for liability coverage. Compare cheap San Antonio, TX auto insurance quotes online to get the best price for you.
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UPDATED: Mar 30, 2021
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- The lowest-priced San Antonio, TX auto insurance company is USAA, followed by State Farm.
- Moderate traffic congestion and auto theft rates impact your San Antonio, TX auto insurance costs.
- San Antonio auto insurance rates are cheaper than other Texan cities like Dallas and Houston.
San Antonio, TX auto insurance rates are cheaper than other cities in the state of Texas, including Dallas and Houston.
You can secure cheap San Antonio, TX auto insurance rates by comparing quotes from multiple providers and looking for discounts.
Read our guide to see average rates from the top San Antonio insurance providers, and secure cheap auto insurance regardless of your age, driving record, and coverage needs.
When you’re ready to buy cheap San Antonio, TX auto insurance, start comparison shopping by entering your ZIP code into our free quote tool above.
What is the cheapest auto insurance company in San Antonio, TX?
The cheapest San Antonio, TX auto insurance company is USAA, with rates averaging $220 per month or $2,643 per year. However, only military personnel and their families are eligible to use USAA services.
State Farm is the next cheapest car insurance company in San Antonio and is available to everyone.
Check out a list of the top insurance providers in San Antonio from least to most expensive below:
- USAA – $2,643.36
- State Farm – $3,195.91
- GEICO – $3,662.45
- Nationwide – $3,746.50
- Progressive – $4,645.32
- American Family – $5,302.49
- Allstate – $5,633.51
Many different factors influence auto insurance rates, including your age, driving record, and the level of coverage you require.
To truly determine your cheapest auto insurance company in San Antonio, compare quotes from as many of the providers listed above as you can.
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What auto insurance coverage is required in San Antonio, TX?
If you live in San Antonio, you must carry the Texas legal auto insurance limits to drive on the roads by law.
Texas currently requires the following auto insurance coverage levels:
- $30,000 for injury or death for one person
- $60,000 for injury or death per accident
- $25,000 for property damage liability per accident
Texas is an at-fault state, otherwise called a tort state. If you cause an accident, you must use your liability auto insurance to cover the other driver’s expenses.
Experts recommend you carry more than the state minimum requirements for better protection.
What affects auto insurance rates in San Antonio, TX?
Moderate traffic congestion and above average vehicle theft rates cause San Antonio auto insurance costs to be higher than the Texas average.
Data gathered by INRIX ranks San Antonio as the 30th most congested city in the country.
According to City-Data, the average commute length for San Antonio drivers is 24.5 minutes, slightly lower than the national average of 26 minutes.
San Antonio also has higher vehicle theft rates than the state of Texas on average. In 2017, the Federal Bureau of Investigation (FBI) recorded 6,864 auto theft incidents in San Antonio. That’s a rate of 451.4 vehicle thefts per every 100,000 people.
San Antonio, TX Auto Insurance: The Bottom Line
Fortunately, San Antonio, TX auto insurance rates are lower than other major Texan cities like Dallas and Houston. By comparison, the average cost of auto insurance in Houston, Texas is around $6,244 annually.
Compare rates from multiple providers near you and seek out auto insurance discounts. You’ll quickly find affordable San Antonio, TX auto insurance.
Get cheap San Antonio, TX auto insurance quotes from reputable insurers near you for free right now by entering your ZIP code into our insurance tool below.