Cheapest Car Insurance Quotes in San Antonio

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San Antonio Car Insurance

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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

The car insurance rate in San Antonio is $985 for a six-month policy, which is $74 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $669, making it a popular choice for budget-conscious drivers. Rates in San Antonio 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

$985

Avg. Car Insurance in New Mexico

$1059

National Average

$1278

Cheapest Car Insurance Companies in San Antonio

1st place: USAA

At $669 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Encompass

Encompass offers auto insurance rates at $712 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $795 for six months, making it the third cheapest auto insurance company in San Antonio.

San Antonio Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in San Antonio, NM is USAA, offering policies at just $669 for a six-month term. This is followed by Encompass, which has an average six-month premium of $712.

At the higher end of the spectrum, Kemper is the most expensive, with rates reaching $1011 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help San Antonio drivers find the best deals.

Cheap Car Insurance Companies in San Antonio, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$669	$113
Encompass	$712	$119
Nationwide	$795	$134
State Farm	$812	$137
Central Mutual	$895	$153
Progressive	$956	$161
Central Insurance	$1116	$190
Farmers	$1138	$192
Allstate	$1304	$219
Farm Bureau	$1426	$237
Kemper	$1011	$168

Key Takeaways

Way's key takeaways about car insurance in San Antonio

The auto insurance costs in San Antonio fall around $669 for six months.
The cheapest auto insurance company in San Antonio is Central Mutual.
Teen drivers pay the highest rate in San Antonio at $709 per month.

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Cheapest Minimum Liability Car Insurance in San Antonio

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 are given below.

Central Mutual provides the cheapest minimum car insurance coverage in San Antonio. Their Average 6 Month Premium is $116. Allstate is the most expensive at $475 for the same period.

Cheapest Liability Coverage in San Antonio, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$116	$20
USAA	$149	$25
Central Insurance	$182	$31
Iowa Farm Bureau	$188	$32
Encompass	$227	$38
State Farm	$259	$44
Farm Bureau	$287	$49
Progressive	$321	$54
Kemper	$326	$56
Nationwide	$365	$60
Farmers	$370	$62
Allstate	$475	$80

Cheapest Full Coverage Car Insurance in San Antonio

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 is USAA at $113 per month and $669 for six months.

Cheapest Full Coverage Car Insurance Quotes in San Antonio, NM

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$669	$113
Encompass	$712	$119
Nationwide	$795	$134
State Farm	$812	$137
Central Mutual	$895	$153
Progressive	$956	$161
Central Insurance	$1116	$190
Farmers	$1138	$192
Allstate	$1304	$219
Farm Bureau	$1426	$237
Kemper	$1011	$168

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Average Car Insurance in San Antonio 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, NM increasing?

Despite maintaining a clean driving record, your car insurance rates in San Antonio, New Mexico, may be increasing due to several external factors. New Mexico 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'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

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
30s	MetLife	$544
40s	MetLife	$508
50s	MetLife	$467
60s	MetLife	$444
70s	MetLife	$577

Cheapest Car Insurance Rates for Teen Drivers in San Antonio,NM

If you are planning to get a car insurance policy for your teenage dependent, Central Insurance provides the cheapest car insurance in the San Antonio at $29 per month. At $4209 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Insurance	$171	$29
Iowa Farm Bureau	$248	$42
Kemper	$254	$43
USAA	$956	$161
State Farm	$1707	$287
Farm Bureau	$2358	$401
Progressive	$2961	$498
Nationwide	$3248	$552
Allstate	$3922	$660
Farmers	$4209	$709

Teen Car Insurance Rates in NM by Age

Way Tip

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

As young drivers face the highest rates in San Antonio, MetLife offers the cheapest auto insurance rates at $544 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.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in San Antonio, Kemper is the cheapest car insurance provider. At $304 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in San Antonio is State Farm, offering rates of around $3822 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$304	$52
USAA	$851	$141
Progressive	$1243	$209
Farmers	$1597	$269
Allstate	$1702	$289
Farm Bureau	$2132	$355
State Farm	$3822	$650

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Car Insurance Rates with An Accident in San Antonio

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, NM, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in San Antonio include Central Mutual and Central Insurance, offering $116 and $248, respectively. Farmers is an expensive provider with an average six-month premium of $2016.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$116	$20
Central Insurance	$248	$42
Encompass	$276	$47
Kemper	$299	$51
Iowa Farm Bureau	$304	$50
USAA	$498	$84
State Farm	$696	$117
Progressive	$884	$149
Nationwide	$1823	$304
Allstate	$1961	$330
Farm Bureau	$1983	$330
Farmers	$2016	$339

San Antonio Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in San Antonio NM. For example, the car insurance in San Antonio after a DUI increases to $872 for a six month policy. While the rate increases by $193 for a six-month policy in the case of a speeding ticket.

San Antonio auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$934	$155
One Med/PIP claim	$945	$161
Not-at-fault accident	$972	$162
One comp claim	$977	$166
Two Med/PIP claims	$989	$165
Two comp claims	$1016	$173
Failure to show documents	$1028	$171
Failure to wear a seat belt	$1033	$176
Child safety restraint	$1071	$179
Driving without lights	$1071	$182
In 65 MPH zone	$1105	$184
Cell phone violation	$1110	$189
Texting while driving	$1110	$185
At-fault accident - less than $1000	$1116	$190
Driving with expired registration	$1116	$186
Speeding 11 - 15 MPH over limit	$1127	$192
Speeding 16 - 20 MPH over limit	$1127	$188
Speeding 6 - 10 MPH over limit	$1127	$192
Driving too slowly	$1133	$189
Failure to stop at a red light	$1133	$193
Failure to yield	$1133	$189
Following too closely	$1133	$193
Illegal turn	$1133	$189
Improper passing	$1133	$193
Speeding in school zone	$1133	$189
Wrong way/wrong lane	$1133	$193
Passing school bus	$1149	$192
Operating a vehicle without permission	$1165	$198
Speeding 21 - 25 MPH over limit	$1165	$194
Open container	$1298	$220
At-fault accident - $1000-$2000	$1321	$220
At-fault accident - greater than $2000	$1332	$226
Reckless driving	$1729	$288
Driving with a suspended license	$1734	$295
Refusal to submit to a chemical test	$1757	$293
DUI	$1806	$307
Racing	$1845	$308
Leaving scene of an accident/hit and run	$1856	$315

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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 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.

The cheapest car insurance premiums in San Antonio are offered by Kemper at $299 for a six-month policy. However, it can be as expensive as $2619 with companies like Farm Bureau.

San Antonio car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$299	$50
Central Insurance	$365	$62
USAA	$790	$133
State Farm	$845	$142
Progressive	$857	$144
Nationwide	$1193	$203
Farmers	$1243	$209
Allstate	$1597	$269
Farm Bureau	$2619	$436

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 are offered by Iowa Farm Bureau at $227. However, it can be as expensive as $2729 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in San Antonio after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$227	$38
State Farm	$575	$97
USAA	$575	$98
Progressive	$1088	$183
Farm Bureau	$1535	$261
Allstate	$2729	$455
Farmers	$2729	$464

Car Insurance Price Trends in San Antonio, New Mexico

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

The average cost of full coverage in the San Antonio rose by $206 in January compared to $179 of December. In other words, there has been an increase by $27 when you compare January and December.

The average cost of liability insurance in the San Antonio rose to $47 in January, compared to $43 in December. This represents an increase of $4 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in San Antonio?

The car insurance in San Antonio is $20 per month, which is lower than the national average.

What is the cheapest car insurance in San Antonio?

The cheapest car insurance in San Antonio is $113 per month for full coverage.

How much is car insurance in San Antonio for teenagers?

Car insurance for teenagers costs $171 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?

The average cost of car insurance is $1059 for a six-month policy. It will cost around $166 per month to insure your car in San Antonio.

Is car insurance expensive in San Antonio?

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

What is the best car insurance in San Antonio, NM?

The best car insurance company in San Antonio NM is USAA, offering $669 for a six-month policy.