Cheapest Car Insurance Quotes in San Antonio Heights

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San Antonio Heights Car Insurance

^$ 28

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in San Antonio Heights

The car insurance rate in San Antonio Heights is $1193 for a six-month policy, which is $78 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $687, making it a popular choice for budget-conscious drivers. Rates in San Antonio Heights can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in San Antonio Heights

$1193

Avg. Car Insurance in California

$1115

National Average

$1140

Cheapest Car Insurance Companies in San Antonio Heights

1st place: CSAA

At $687 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $921 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA SoCal

AAA SoCal offers auto insurance rates at $1010 for six months, making it the third cheapest auto insurance company in San Antonio Heights.

San Antonio Heights Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in San Antonio Heights, CA is CSAA, offering policies at just $687 for a six-month term. This is followed by Mercury, which has an average six-month premium of $921.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1468 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help San Antonio Heights drivers find the best deals.

Cheap Car Insurance Companies in San Antonio Heights, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$687	$116
Mercury	$921	$155
AAA SoCal	$1010	$168
Progressive	$1061	$179
USAA	$1125	$189
Allstate	$1163	$196
Wawanesa	$1170	$197
AAA NorCal	$1182	$201
Auto Club	$1220	$203
State Farm	$1290	$217
Kemper	$1519	$254
Farmers	$1697	$289
AAA	$1468	$245

Key Takeaways

Way's key takeaways about car insurance in San Antonio Heights

The auto insurance costs in San Antonio Heights fall around $687 for six months.
The cheapest auto insurance company in San Antonio Heights is CSAA.
Teen drivers pay the highest rate in San Antonio Heights at $624 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in San Antonio Heights

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in San Antonio Heights are given below.

CSAA provides the cheapest minimum car insurance coverage in San Antonio Heights. Their Average 6 Month Premium is $165. Farmers is the most expensive at $540 for the same period.

Cheapest Liability Coverage in San Antonio Heights, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$165	$28
USAA	$305	$51
AAA NorCal	$318	$54
AAA SoCal	$363	$62
Progressive	$369	$62
Auto Club	$375	$64
State Farm	$387	$65
Wawanesa	$394	$66
Mercury	$419	$71
AAA	$452	$77
Allstate	$452	$76
Farmers	$540	$92

Cheapest Full Coverage Car Insurance in San Antonio Heights

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in San Antonio Heights is CSAA at $116 per month and $687 for six months.

Cheapest Full Coverage Car Insurance Quotes in San Antonio Heights, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$687	$116
Mercury	$921	$155
AAA SoCal	$1010	$168
Progressive	$1061	$179
USAA	$1125	$189
Allstate	$1163	$196
Wawanesa	$1170	$197
AAA NorCal	$1182	$201
Auto Club	$1220	$203
State Farm	$1290	$217
Kemper	$1519	$254
Farmers	$1697	$289
AAA	$1468	$245

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Average Car Insurance in San Antonio Heights by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in San Antonio Heights, CA increasing?

Despite maintaining a clean driving record, your car insurance rates in San Antonio Heights, California, may be increasing due to several external factors. California has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, San Antonio Heights's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in San Antonio Heights

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Wawanesa	$626
30s	Wawanesa	$505
40s	Wawanesa	$505
50s	Wawanesa	$505
60s	Wawanesa	$505
70s	Wawanesa	$494

Cheapest Car Insurance Rates for Teen Drivers in San Antonio Heights,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the San Antonio Heights at $74 per month. At $3744 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$445	$74
Capital Insurance Group	$560	$95
USAA	$1334	$225
Mercury	$1354	$228
Wawanesa	$1487	$248
Progressive	$1557	$262
CSAA	$1875	$316
State Farm	$2225	$375
AAA SoCal	$2409	$401
Allstate	$2581	$434
Auto Club	$2752	$459
AAA NorCal	$3667	$624
Farmers	$3744	$624

Teen Car Insurance Rates in CA by Age

Way Tip

If you are in your twenties Wawanesa is the best choice for car insurance in San Antonio Heights.

As young drivers face the highest rates in San Antonio Heights, Wawanesa offers the cheapest auto insurance rates at $626 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in San Antonio Heights.

Car Insurance Rates with An Accident in San Antonio Heights

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In San Antonio Heights, CA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in San Antonio Heights

The cheapest car insurance companies after an at-fault accident in San Antonio Heights include AAA and Capital Insurance Group, offering $400 and $584, respectively. Allstate is an expensive provider with an average six-month premium of $2879.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$400	$66
Capital Insurance Group	$584	$100
CSAA	$782	$132
Mercury	$1131	$190
USAA	$1170	$197
Progressive	$1354	$228
Wawanesa	$1652	$275
AAA SoCal	$1736	$295
Auto Club	$1831	$305
Farmers	$1881	$317
State Farm	$2237	$377
AAA NorCal	$2396	$408
Allstate	$2879	$485

San Antonio Heights Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in San Antonio Heights CA. For example, the car insurance in San Antonio Heights after a DUI increases to $1862 for a six month policy. While the rate increases by $489 for a six-month policy in the case of a speeding ticket.

San Antonio Heights auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1163	$194
Not-at-fault accident	$1163	$198
One comp claim	$1163	$194
One Med/PIP claim	$1163	$198
Two comp claims	$1163	$194
Two Med/PIP claims	$1163	$198
At-fault accident - less than $1000	$1189	$198
Failure to show documents	$1532	$260
Driving with expired registration	$1563	$261
Driving without lights	$1563	$265
Failure to wear a seat belt	$1570	$262
Child safety restraint	$1583	$269
Speeding 11 - 15 MPH over limit	$1646	$274
Speeding 16 - 20 MPH over limit	$1646	$280
Driving too slowly	$1652	$275
Failure to stop at a red light	$1652	$281
Failure to yield	$1652	$275
Following too closely	$1652	$281
Illegal turn	$1652	$275
In 65 MPH zone	$1652	$281
Speeding 21 - 25 MPH over limit	$1652	$275
Speeding 6 - 10 MPH over limit	$1652	$281
Speeding in school zone	$1652	$275
Improper passing	$1659	$282
Cell phone violation	$1665	$277
Texting while driving	$1665	$284
Passing school bus	$1684	$280
Wrong way/wrong lane	$1970	$335
Operating a vehicle without permission	$2015	$336
At-fault accident - $1000-$2000	$2028	$345
At-fault accident - greater than $2000	$2028	$338
Open container	$2034	$346
Driving with a suspended license	$2358	$393
Reckless driving	$2873	$489
Racing	$2905	$484
Leaving scene of an accident/hit and run	$2917	$496
DUI	$3025	$504
Refusal to submit to a chemical test	$3025	$515

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in San Antonio Heights after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in San Antonio Heights.

The cheapest car insurance premiums in San Antonio Heights are offered by Capital Insurance Group at $871 for a six-month policy. However, it can be as expensive as $800 with companies like AAA.

San Antonio Heights car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$871	$148
Mercury	$1036	$174
Travelers	$1208	$205
Progressive	$1532	$258
Wawanesa	$1862	$317
Farmers	$1976	$333
USAA	$2104	$354
CSAA	$2225	$375
AAA SoCal	$3216	$547
Auto Club	$3680	$613
AAA NorCal	$4239	$721
State Farm	$4525	$762
Allstate	$4659	$784
AAA	$800	$136

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in San Antonio Heights are offered by CSAA at $102. However, it can be as expensive as $2402 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in San Antonio Heights after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$102	$17
Capital Insurance Group	$560	$95
Mercury	$953	$161
USAA	$998	$170
Progressive	$1074	$181
AAA NorCal	$1487	$253
AAA SoCal	$1595	$265
Allstate	$1640	$279
State Farm	$1736	$289
Farmers	$2402	$409

Car Insurance Price Trends in San Antonio Heights, California

Car insurance rates in San Antonio Heights have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the San Antonio Heights remained steady at $205 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the San Antonio Heights rose to $59 in December, compared to $58 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in San Antonio Heights?

The car insurance in San Antonio Heights is $28 per month, which is lower than the national average.

What is the cheapest car insurance in San Antonio Heights?

The cheapest car insurance in San Antonio Heights is $116 per month for full coverage.

How much is car insurance in San Antonio Heights for teenagers?

Car insurance for teenagers costs $445 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in San Antonio Heights?

The average cost of car insurance is $1115 for a six-month policy. It will cost around $200 per month to insure your car in San Antonio Heights.

Is car insurance expensive in San Antonio Heights?

Car insurance can be expensive in San Antonio Heights if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in San Antonio Heights can be affordable.

Cheapest Car Insurance Quotes in San Antonio Heights

Why you can trust Way?

How Much Is Car Insurance in San Antonio Heights

Avg. Car Insurance in San Antonio Heights

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in San Antonio Heights

1st place: CSAA

2nd place: Mercury

3rd place: AAA SoCal

San Antonio Heights Car Insurance Rates by Company

Cheap Car Insurance Companies in San Antonio Heights, CA

Way's key takeaways about car insurance in San Antonio Heights

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in San Antonio Heights

Cheapest Liability Coverage in San Antonio Heights, CA

Cheapest Full Coverage Car Insurance in San Antonio Heights

Cheapest Full Coverage Car Insurance Quotes in San Antonio Heights, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in San Antonio Heights by Rating Factor

I have a clean driving record. Why is my car insurance rate here in San Antonio Heights, CA increasing?

Car Insurance Premiums by Age in San Antonio Heights

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in San Antonio Heights,CA

If you are in your twenties Wawanesa is the best choice for car insurance in San Antonio Heights.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in San Antonio Heights

Cheapest Car Insurance Companies after an At-Fault Accident in San Antonio Heights

San Antonio Heights Car Insurance Rates by Violation

San Antonio Heights auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in San Antonio Heights after a DUI

San Antonio Heights car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in San Antonio Heights after Speeding ticket

Car Insurance Price Trends in San Antonio Heights, California

Average Car Insurance Cost in San Antonio Heights by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near San Antonio Heights, CA

Car Insurance Rates by State in the USA (2025 Update)

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