How to find the cheapest car insurance quotes in San Antonio
In San Antonio, the average auto insurance policy costs about $119 per month for minimum coverage liability insurance, and about $199 per month for full coverage insurance. San Antonio drivers pay 1% less than the Texas average.
Every month, thousands of savvy car insurance shoppers in San Antonio, Texas use the trusted broker Jerry Insurance Agency to seamlessly compare prices and procure a policy. To prove it, here are some cheapest car insurance quotes Jerry found for our San Antonio customers.
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Progressive | $263 | Phillip, 33, San Antonio, TX | Hyundai Tucson Gls | State Minimum | No |
| Progressive | $295 | Maggie, 25, San Antonio, TX | Ford F-150 Xlt | State Minimum | Yes |
| Progressive | $222 | Lillian, 29, San Antonio, TX | Ford F-150 Supercrew | State Minimum | No |
| Progressive | $285 | Maude, 19, San Antonio, TX | Ford Edge Sel | State Minimum | No |
| Bluefire | $535 | Corey, 27, San Antonio, TX | Dodge Charger Se | State Minimum | Yes |
Cheapest San Antonio car insurance for good drivers
Insurance rates are calculated based on your driving record, age, zip code, past claims, and vehicle type. While the majority of these factors aren’t in your control—you can be a good driver and keep your driving record clean.
Good drivers in San Antonio can save up to 40% on their insurance, and with Jerry’s DriveShield™, you can track your driving and unlock discounts for safe driving habits. Discover how other drivers are using DriveShield™ to save on their insurance below.
| Customer | Driving Score | Insurance Savings | Has Violations | Insurance Coverage |
|---|---|---|---|---|
| Manuel, 25 | 76 | 22% | No | – 50/100 – Comp/Collision |
| Megan, 34 | 93 | 34% | No | – 50/100 – Comp/Collision |
| Michael, 43 | 98 | 33% | No | – 50/100 – Comp/Collision |
| Isabel, 51 | 72 | 25% | No | – State Minimum Liability – Comp/Collision |
| Ethan, 64 | 70 | 21% | No | – State Minimum Liability – Minimum Coverage |
Best auto insurance companies in San Antonio
Jerry conducted the largest insurance survey in the country to help drivers better compare the cheapest car insurance companies. While big-name carriers like GEICO and State Farm got mixed reviews for policy cost and customer service, smaller insurers like Aspire Advantage and National General came through with the highest ratings from actual customers.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Progressive | 4.4 | 4 | 3.8 | 4.3 |
| USAA | 4.2 | 3.3 | 4.4 | 4.3 |
| State Farm | 3.9 | 3.4 | 3.7 | 4 |
| Geico | 3.9 | 3.1 | 4.2 | 4.1 |
| Liberty Mutual | 3.3 | 2.6 | N/A | 3.2 |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Cheap minimum liability insurance quotes in San Antonio
To hit the road legally, San Antonio drivers need to meet Texas minimum coverage car insurance requirements for bodily injury liability and property damage liability:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 for property damage
These coverage limits are commonly known as 30/60/25 insurance. With this basic liability coverage, you’ll be protected up to the policy’s limits if you cause injuries or property damage while driving.
Do you need more than minimum coverage in San Antonio?
Most drivers in San Antonio need higher coverage level than the 30/60/25 state minimum mandated by Texas car insurance laws.
For optimal financial protection, you should consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to have full coverage on your car.
Cheapest full coverage car insurance quotes in San Antonio
Full coverage car insurance is the number-one way to protect yourself from costs associated with repairing or replacing your vehicle.
Full coverage includes comprehensive and collision coverage:
- Collision coverage covers the cost of repairing or replacing your car after an accident. In contrast
- Comprehensive coverage pays out if your vehicle is stolen or damaged by something other than a crash, such as vandalism, theft, or natural disasters.
If you have a loan on the car, your lender will require both collision and comprehensive coverage until the loan is paid.
On top of a full coverage policy, you can choose to purchase uninsured motorist coverage to guard against uncovered injuries or damage in an accident caused by a driver without car insurance. Adding medical payments coverage or personal injury protection can also enhance your protection.
Jerry has helped Texas drivers in San Antonio and beyond find full coverage quotes that won’t break the bank.
|
Liability Limits
|
Has Full Coverage
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
|---|---|---|---|---|---|
| State Minimum | No | Progressive | $263 | Phillip, 33, San Antonio, TX | Hyundai Tucson Gls |
| State Minimum | Yes | Progressive | $295 | Maggie, 25, San Antonio, TX | Ford F-150 Xlt |
| State Minimum | No | Progressive | $222 | Lillian, 29, San Antonio, TX | Ford F-150 Supercrew |
| State Minimum | No | Progressive | $285 | Maude, 19, San Antonio, TX | Ford Edge Sel |
| State Minimum | Yes | Bluefire | $535 | Corey, 27, San Antonio, TX | Dodge Charger Se |
Car insurance quotes in San Antonio by rating factors
Insurance companies in San Antonio analyze your driver profile when deciding your auto insurance premium:
- Your driving record and claims history: Drivers with a track record of car accidents or violations, like DUIs or speeding tickets, generally face higher premiums than those with a clean record.
- Your demographics: Your age, gender, and marital status can all influence the cost of your auto insurance rates. Teen drivers pay the most of any age group.
- Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density.
- Your mileage: Low annual mileage can result in more affordable rates.
- The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.
How to lower car insurance costs in San Antonio
1. Shop around and compare quotes
Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the cheapest auto insurance, experts recommend comparing quotes from at least three companies and shopping for lower rates every six months.
2. Hunt for car insurance discounts
Every insurance company offers a set of discounts, but the exact discount offered varies by company. Some common discounts include:
- Good driver discounts. California state law mandates 20% insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.
- Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
- Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
- Bundling discounts. Bundle your home and auto insurance (or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
FAQ
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Licensed Insurance Agent
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views. As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car. Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
