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Cheapest Car Insurance Quotes in San Antonio, TX (2023)
Mile Auto, Kemper Preferred, and Apparent offer the cheapest car insurance for full-coverage insurance in San Antonio.
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Written by
Jamie Johnson
Jamie Johnson is a Kansas City-based personal finance writer whose work has been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance. For the past six years, she's dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.
Edited by
Danny Smith
Insurance Writer
Danny is an insurance writer at Insurify. Specializing in auto insurance, he works to help drivers navigate the complicated world of insurance to find the best possible policy. He received a bachelor's degree from the University of Massachusetts Amherst. You can connect with Danny on LinkedIn.
Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.
Data reviewed by
Konstantin Halachev
VP of Engineering
Konstantin has led data science and engineering projects across multiple domains: biology, travel and insurance. He loves finding data nuggets that help people.
Updated December 21, 2022
Why you can trust Insurify: As an independent agent and insurance comparison website, Insurify makes money through commissions from insurance companies. However, our expert insurance writers and editors operate independently of our insurance partners. Learn more.
Minimum-coverage car insurance in San Antonio costs an average of $195 — $68 less than the state average of $263. But the price for an insurance policy can vary widely between providers, so it’s important to shop around and compare quotes.
If you plan on driving to Mexico from neighboring San Antonio, it’s important to know that you’ll need to buy Mexican liability coverage, since the country doesn’t recognize American policies. Ask your insurance agent if they sell Mexican policies. If they don’t, they may know an agent who does.
Table of contents
- How much does car insurance cost in San Antonio?
- Cheapest car insurance in San Antonio: Mile Auto
- How much car insurance do you need in San Antonio?
- Tips for getting cheap car insurance in San Antonio
- How age affects car insurance rates in San Antonio
- How credit scores affect cheap car insurance in San Antonio
- The effect of driving habits on car insurance in San Antonio
- Find local San Antonio agents
- San Antonio car insurance FAQs
How much does car insurance cost in San Antonio?
Car insurance costs vary widely based on the insurance company you choose and various other factors, such as your driving record, age, and credit score. Comparing quotes from different providers is one of the best ways to find a policy that meets your needs.
Insurify data scientists analyzed the latest insurance rates in San Antonio to identify the cheapest quotes in the area. Insurify compared insurance quotes among different coverage levels, demographics, credit scores, and driving history.
Here’s an overview of some car insurance costs in San Antonio:
Kemper Preferred: Kemper Preferred offers the cheapest liability-only car insurance in San Antonio, at $89 per month on average.
Mile Auto: Mile Auto provides the cheapest full-coverage car insurance in San Antonio, at $177 per month on average.
Progressive: Progressive has the cheapest car insurance for new drivers in San Antonio, at $190 per month on average.
Read More: Cheap Car Insurance in Texas (2022)
Cheapest car insurance in San Antonio: Mile Auto
Mile Auto has the cheapest car insurance in San Antonio, with an average monthly rate of $144. Remember that many different factors can influence your car insurance rates, including your location, so it’s always a good idea to compare quotes from multiple companies.
| Insurance Company | Insurify Composite Score (ICS) | Liability Only | Full Coverage |
|---|---|---|---|
| Mile Auto | N/A | $113 | $177 |
| Kemper Preferred | N/A | $89 | $178 |
| Apparent | N/A | $123 | $179 |
| Travelers | 80 | $124 | $188 |
| Elephant | N/A | $177 | $191 |
| Safeco | 86 | $100 | $196 |
| Clearcover | 97 | $146 | $196 |
| Direct Auto | N/A | $167 | $198 |
| Progressive | N/A | $130 | $217 |
| SafeAuto | N/A | $164 | $236 |
| State Auto | 76 | $110 | $237 |
| Nationwide | 89 | $190 | $246 |
| Midvale Home & Auto | N/A | $128 | $254 |
| Mercury | 81 | $160 | $269 |
| Farmers GroupSelect | N/A | $125 | $274 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The Insurify Composite Score (ICS) is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.
Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
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How much car insurance do you need in San Antonio?
Texas requires insurance for all vehicles on its roads, and you must carry proof of insurance if you’re renewing your vehicle, are involved in an accident, or if it's requested by law enforcement. The minimum liability insurance requirements in Texas are:[1]
$30,000 per person for bodily injury
$60,000 per accident for bodily injury
$25,000 per accident for property damage
Bodily injury covers medical bills for passengers other than the policyholder who are injured in an accident. Property damage coverage pays for damage to the other driver’s property and any legal costs resulting from the accident.
Texas is an at-fault state, meaning the driver who causes the collision is responsible for paying for any expenses incurred. The at-fault driver can either pay for these expenses out of pocket or through their insurance provider.
Texas DMV information
Texas drivers can go through the Texas Department of Motor Vehicles (DMV) to renew their driver’s license, register their vehicle, and buy or sell a vehicle. You can also visit the Texas DMV to receive temporary tags, file a change of address, and file a complaint.[2]
Tips for getting cheap car insurance in San Antonio
One of the best ways to secure cheap car insurance in San Antonio is by bundling it with other policies, like your homeowners insurance. Insurance companies also offer additional discounts for multiple vehicles, safe driving, applying for an online quote, or signing up for paperless billing.
It’s also important to comparison shop for car insurance quotes. Rates can vary drastically between insurers based on a multitude of factors, so the cheapest provider for someone else may not be the cheapest provider for you. You should compare quotes each time you renew your policy.
Read More: Compare Home and Auto Insurance Bundles
How age affects car insurance rates in San Antonio
New and young drivers typically pay more for car insurance since they don’t have much driving experience. Insurers view this lack of experience as posing a higher risk of filing a claim and charge more in premiums to account for it.
Additionally, teens and young adults have the second-highest fatality rate of drivers. Teen drivers are nearly three times as likely to have a fatal crash than drivers over the age of 20, according to the Centers for Disease Control and Prevention (CDC).[3] Teens and young adults are also less likely to wear their seatbelts and are more likely to engage in distracted driving.
Here’s an overview of the average monthly rates paid by different age groups for full-coverage policies.
| Age Group | Average Monthly Rate |
|---|---|
| Teenagers | $594 |
| Under 25 | $378 |
| 25-29 | $279 |
| 30s | $262 |
| 40s | $227 |
| 50s | $217 |
| 60s | $192 |
| 70s | $235 |
| 80+ | $227 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for young drivers in San Antonio
Progressive is the cheapest car insurance for young drivers in San Antonio, with an average monthly rate of $278. Young drivers can lower their rates by demonstrating safe driving habits and utilizing a good student discount.
| Insurance Company | Average Monthly Rate |
|---|---|
| Progressive | $190 |
| Travelers | $200 |
| Apparent | $201 |
| Kemper Preferred | $204 |
| Elephant | $207 |
| Mile Auto | $212 |
| Stillwater | $219 |
| Nationwide | $223 |
| Clearcover | $228 |
| Safeco | $233 |
| Mercury | $278 |
| Direct Auto | $308 |
| Midvale Home & Auto | $315 |
| State Auto | $323 |
| Bristol West | $344 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for middle-aged drivers in San Antonio
Mile Auto offers the cheapest car insurance for middle-aged drivers in San Antonio, with an average monthly rate of $113. A great way to save on car insurance is by bundling your car insurance with homeowners insurance or renters insurance. Most companies offer significant discounts for purchasing multiple policies.
| Insurance Company | Average Monthly Rate |
|---|---|
| Mile Auto | $113 |
| Kemper Preferred | $150 |
| Progressive | $155 |
| Apparent | $163 |
| Clearcover | $164 |
| Elephant | $175 |
| Travelers | $178 |
| Safeco | $180 |
| Aspen | $190 |
| Nationwide | $190 |
| Direct Auto | $191 |
| Mercury | $202 |
| Dairyland | $207 |
| Midvale Home & Auto | $209 |
| AssuranceAmerica | $218 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for senior drivers in San Antonio
The cheapest car insurance for senior drivers in San Antonio is Mile Auto, with an average monthly rate of $90. Mile Auto offers pay-per-mile insurance, which charges drivers based on how much they drive during the policy period. Senior drivers who don’t drive frequently should consider this kind of coverage, as it’s a great way to save on premiums.
| Insurance Company | Average Monthly Rate |
|---|---|
| Mile Auto | $90 |
| Progressive | $124 |
| Apparent | $130 |
| Elephant | $132 |
| Clearcover | $152 |
| Aspen | $155 |
| Safeco | $157 |
| Travelers | $159 |
| Kemper | $163 |
| Mercury | $165 |
| Kemper Preferred | $168 |
| Quantum | $170 |
| Direct Auto | $173 |
| Farmers GroupSelect | $190 |
| Nationwide | $200 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How credit scores affect cheap car insurance in San Antonio
Texas law allows insurance companies to consider credit scores when determining auto insurance rates. Insurers factor your credit history into what’s known as a credit-based insurance score, which they use when determining your premium. Drivers with a strong credit history often pay less than drivers with less-established credit.
Credit scores are broken into tiers. Generally, credit score ranges are as follows:
Above 800: Excellent
740‒799: Very good
670‒739: Good
580‒699: Fair
Below 570: Poor
The following table outlines how your credit score could affect your monthly car insurance payment.
| Credit Tier | Average Monthly Quote |
|---|---|
| Excellent | $227 |
| Good | $268 |
| Fair | $293 |
| Poor | $454 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The effect of driving habits on car insurance in San Antonio
Your driving history is one of the biggest factors affecting how much you pay for car insurance premiums. If you have a history of speeding tickets, accidents, or DUIs, your insurance company will consider you a risky driver to insure and will charge you higher premiums.
It’s important to note that when you see a negative difference in a table, it doesn’t mean that a particular insurance company lowers rates for drivers with that infraction on their records. Rather, it may mean that our sample size was small — insurers may choose not to offer policies to drivers with that infraction. Your actual rate can vary based on a number of factors other than your driving record.
Cheapest car insurance with an accident in San Antonio: Mile Auto
If you’re found at fault in a car accident, your car insurance rates will likely increase. Mile Auto offers the cheapest car insurance with an accident, at $153 per month on average.
| Company | Clean Record | With Accident | Difference |
|---|---|---|---|
| Mile Auto | $145 | $154 | +$9 |
| Travelers | $180 | $172 | -$8 |
| Progressive | $155 | $181 | +$26 |
| Kemper Preferred | $165 | $188 | +$23 |
| Elephant | $176 | $195 | +$19 |
| Apparent | $168 | $196 | +$18 |
| Safeco | $193 | $202 | +$9 |
| Clearcover | $186 | $210 | +$24 |
| Nationwide | $191 | $236 | +$45 |
| Mercury | $203 | $268 | +$65 |
| Midvale Home & Auto | $247 | $269 | +$22 |
| Stillwater | $219 | $270 | +$51 |
| Pronto | $402 | $273 | -$129 |
| Aspen | $256 | $291 | +$35 |
| AssuranceAmerica | $268 | $291 | +$23 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance with a DUI in San Antonio: Aspen
Aspen offers the cheapest car insurance with a DUI, at $144 per month on average. Drivers with a DUI on their record often face much higher rates than drivers without DUIs. Some insurance companies may not be willing to insure you if you have a DUI.
| Company | Clean Record | With DUI | Difference |
|---|---|---|---|
| Aspen | $256 | $144 | -$112 |
| Quantum | $338 | $158 | -$180 |
| Safeco | $193 | $173 | -$20 |
| Apparent | $168 | $195 | +$27 |
| Midvale Home & Auto | $247 | $217 | -$30 |
| Bristol West | $255 | $236 | -$19 |
| Mercury | $203 | $238 | +$35 |
| Travelers | $180 | $243 | +$63 |
| Aggressive | $327 | $291 | -$36 |
| Commonwealth Casualty | $312 | $299 | -$13 |
| Kemper Specialty | $287 | $306 | +$19 |
| Infinity | $311 | $346 | +$35 |
| Nationwide | $191 | $368 | +$77 |
| AssuranceAmerica | $268 | $421 | -$153 |
| Hallmark | $498 | $428 | -$70 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance with a speeding ticket in San Antonio: Mile Auto
If you receive a speeding ticket in San Antonio, you can expect to pay an average of $331 per month for car insurance. Mile Auto offers the cheapest car insurance with a speeding ticket, at an average of $171 per month.
| Company | Clean Record | With Speeding Ticket | Difference |
|---|---|---|---|
| Mile Auto | $145 | $171 | +$26 |
| Progressive | $155 | $172 | +$17 |
| Clearcover | $186 | $178 | -$8 |
| Apparent | $168 | $198 | +$30 |
| Kemper Preferred | $165 | $199 | +$34 |
| Travelers | $180 | $226 | +$46 |
| Safeco | $193 | $228 | +$35 |
| Nationwide | $191 | $232 | +$41 |
| Midvale Home & Auto | $247 | $288 | +$41 |
| AssuranceAmerica | $268 | $292 | +$24 |
| Direct Auto | $217 | $296 | +$79 |
| Bristol West | $255 | $315 | +$60 |
| Dairyland | $207 | $320 | +$113 |
| Kemper Specialty | $287 | $320 | +$33 |
| State Auto | $257 | $330 | +$73 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Drivers with a clean record will almost always receive the lowest rates on their car insurance premiums. If you’ve been involved in an accident or received a DUI or speeding ticket, you’ll likely end up paying higher rates than drivers without infractions.
Car insurance in other Texas cities
Car insurance rates can vary greatly from city to city — even in the same state. Here’s a look at car insurance rates in some other Texas cities:
Find local San Antonio agents
Whitaker Insurance Associates, Inc.
8626 Tesoro Dr #310,
San Antonio, TX 78217Tom Hotaling Insurance Agency
7300 Blanco Rd. Suite 102,
San Antonio, TX 78216IBC Insurance Agency, Ltd.
5300 Walzem Rd. Ste. 200,
San Antonio, TX 78218Dan Kay Insurance
9301 Broadway Ste. 100,
San Antonio, TX 78217Anglesey Insurance Agency, LLC
13620 NW Military Hwy.,
San Antonio, TX 78231ARM Insurance Agency, Inc.
1534 W Contour Dr Ste 101,
San Antonio, TX 78212CS Innovative Insurance Solutions
1813 Grandstand Dr,
San Antonio, TX 78238Unified Insurance Agency
9650 Datapoint Dr,
San Antonio, TX 78229AllWide Insurance Agency
1100 NW Loop 410 Ste 700,
San Antonio, TX 78213-2258Prystash Insurance Agency
P.O. Box 17926,
San Antonio, TX 78217
San Antonio car insurance FAQs
Here are answers to some commonly asked questions about car insurance in San Antonio.
In San Antonio, you can expect to pay an average of $296 for full-coverage car insurance and $195 for liability-only car insurance. Your age, driving history, and credit score also affect how much you pay. Rates can vary widely between providers, so it’s important to compare car insurance quotes before purchasing a policy.
Texas is an at-fault state, meaning the driver who causes the collision is responsible for covering any damages incurred. The at-fault driver can either pay for these expenses out of pocket or through their insurance provider.
Mile Auto has the cheapest car insurance in Texas, with an average monthly rate of $144. However, no one provider will be the cheapest option for all Texas drivers. Rates vary widely based on provider and driver profile, so it’s important to take the time to shop around and compare insurers to find the best fit for you.
Mile Auto offers the cheapest full-coverage insurance, at $177 per month. For liability-only insurance, Kemper Preferred is the cheapest, at $89 per month. Some other affordable providers to consider include Travelers, Safeco, and Apparent.
The best way to save money on car insurance is by comparing online quotes from multiple insurance companies. Rates can vary widely among insurers, so it’s a good idea to get as many quotes as you can to find the best fit for your insurance needs.
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Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
Sources
- Texas Department of Insurance. "Automobile insurance guide." Accessed December 15, 2022
- Texas Department of Motor Vehicles. "Texas Department of Motor Vehicles." Accessed December 15, 2022
- Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts." Accessed December 15, 2022
