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Car Insurance in San Antonio, TX - May 2023

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Despite the number of car-owning families in San Antonio reducing in recent years, having a vehicle is still essential. Having adequate car insurance in San Antonio is also indispensable to prevent spiraling costs and expenses in the future. One of the easiest ways to find cheap car insurance quotes in San Antonio is to use

By comparing the best insurance companies in San Antonio and analyzing their rates and features, helps you save money on full coverage car insurance. Let’s take a look at how the rates in San Antonio fare for different categories of drivers.

How expensive is auto insurance in San Antonio?

San Antonio average rates vs. United States average rate

According to our calculations, auto insurance in San Antonio will cost you $1629 on average. This is almost 4% higher than the national average and 2% higher than the state average. The slight increase in expense is due to various factors like age, credit history, marital status, and average number of auto claims in the city.

San Antonio
(Annual average)
(Annual average)
United States
(Annual average)
$1629 $1566 $1601

Minimum Liability insurance in San Antonio

According to insurance rules in Texas, all drivers mandatorily need to have basic minimum liability coverage. This is to ensure your safety as well as that of other drivers and to minimize trouble if an accident occurs.

Minimum liability insurance in San Antonio includes:

  • Bodily Injury Liability Coverage (per person)
  • Bodily Injury Liability Coverage (per accident)
  • Property Damage Liability Coverage (per accident)
Coverage Type Minimum Coverage Limit
Bodily Injury Liability Coverage (per person) $30,000
Bodily Injury Liability Coverage (per accident) $60,000
Property Damage Liability (per accident) $25,000

Having minimum liability insurance in San Antonio will cost you around $530 per year. To be safe, we recommend choosing more than the minimum coverage – ideally 100/300/50. Texas insurance rules also require you to have other types of coverage like Personal Injury Protection (PIP) coverage, uninsured and underinsured motorist coverage as well.

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What other factors can increase your car insurance rates in San Antonio?

Living in a big city like San Antonio also brings other risk factors when owning vehicles. The probability of crime, auto theft, and accidents with uninsured drivers can drastically increase your auto insurance rates. This is reflected in the table below, where certain ZIP codes in San Antonio have at least 17% higher annual premiums than others.

ZIP Code Average Rate
78251 $1830
78250 $1775
78249 $1781
78247 $1732
78245 $1761
78240 $1769
78228 $1850
78223 $1734
78207 $1825
78103 $1557

Auto theft statistics in San Antonio

Car theft in San Antonio has been increasing over the years, with a record number of vehicles being stolen in 2021 alone. The San Antonio Police Unified Crime Report reported 7284 instances of auto theft in 2021 – an 8% increase from 2020. This will likely impact car insurance rates in San Antonio too.

The number of cars being boosted monthly has increased alarmingly to nearly 728 per month. The North, West and Northwest Sides of the city are more vulnerable to break-ins and thefts. However, some areas like the Central, East, and South Sides have seen a decrease in break-ins in 2021.

The police have cautioned residents to take extra measures to protect their vehicles. Uniformed and non-uniformed personnel will be stationed at crowded localations to provide more security.

Accidents statistics in San Antonio

In a survey done a few years ago, San Antonio ranked 13th in a list of cities with the highest likelihood of having an accident. Since then, there has been a decrease in the number of accidents by 22%, but an increase in the number of fatalities by 9%. The reduction in accidents can also be due to reduced numbers of vehicles on the road during the pandemic.

Useful info for getting around San Antonio

San Antonio is the meeting point for many major freeways in the state of Texas – lookout for heavy traffic when driving! Whether you’re a rookie or an experienced driver, follow these useful tips to get an edge over other drivers on the road.

  • By car: The most accident-prone areas include U.S 281 North Loop 1604 East, the South Pan Am Expressway, and Braun Road. The most congested areas during rush hour are the River walk District, I-35, andI-10. If finding parking is a problem, use a parking app like to reserve a spot in advance.
  • Ride-sharing apps: Apps like Lyft and Uber are operational in San Antonio. If you’d like a more local rideshare option, you can choose Leep.
  • Public Transport: The easiest way to get around using public transport is to use the VIA Metropolitan Transit System. It connects all major landmarks like the Alamo, South town, the Pearl, and more.
  • Cycle: Download the SWell Cycle app to rent cheap bicycles for as low as $3.25 for 30 minutes

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Best car insurance companies in San Antonio

Besides the established car insurance companies, there are other national and regional providers in San Antonio that also offer competitive rates. Some of them may be able to cut corners and save you a few hundred dollars every year in auto insurance premiums. Use to compare these rates and choose the policy perfect for you.

Here are some good car insurance companies in San Antonio:

Auto insurance company
All State Progressive
USAA Liberty Mutual
State Farm Farmers
Freeway Texas Farm Bureau
Everquote Amtex Auto Insurance

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

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

Frequently Asked Questions

How much is minimum liability car insurance in San Antonio?

The average auto insurance rate for minimum liability requirement coverage in San Antonio is $540 per year. However, it’s always best to have more and upgrade to full coverage.

Who has the cheapest full coverage car insurance in San Antonio, Texas?

Among the established insurance companies USAA ($1261) provide the cheapest full coverage auto insurance.

How much is car insurance in San Antonio for a first-time driver?

Car insurance is typically more expensive for teenagers and new drivers, and can go as high as $7100 in some cases. It also depends on what type of car you drive, your driving history, and the neighborhood you live in.

How to find affordable car insurance quotes in San Antonio?

It isn’t that hard to get cheap San Antonio quotes – all you need to do is follow some basic guidelines.

  • Be a careful driver and don’t get involved in serious accidents
  • Choose a cost-effective, reliable car model to insure
  • Bundle insurance policies for lower premiums
  • Develop your credit score by paying all your bills on time
  • Invest in auto safety features
  • Compare quotes from the best insurance companies

How much is auto insurance in San Antonio per month?

The average monthly payment for full coverage auto insurance in San Antonio is $110.

Can you register a car without insurance in San Antonio?

No, you cannot register a car in San Antonio or anywhere in Texas without proof of insurance. You must also have insurance for all title transfers in the State of Texas.

Can I get car insurance without a driver’s license in San Antonio?

Yes, you can get auto insurance in San Antonio without a valid driver’s license. However, you must name a primary driver in the policy – preferably the person who will use the car the most.

How to report car insurance fraud in San Antonio?

If you suspect that you’ve been a victim of insurance fraud, report it immediately to the Texas Department of Insurance using their online fraud report form. You can also call 800-TX-AUDIT (892-8348).

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