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

The typical San Antonio driver pays $1,501 per year for auto insurance. That's more than the average across Texas ($1,415) and less expensive than the national average of $1,548. Rates can also vary based on the insurer you choose, as policies are underwritten differently from one auto insurance company to another. Bear in mind that as your driving profile changes, so too can your insurance rates. This is why it's always a good idea to routinely seek out auto insurance quotes to make sure you are getting the best rates.

Read on to learn more about how much you can expect to pay for your insurance policy based on your credit score, gender, marital status and other common factors in San Antonio.

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San Antonio car insurance rates by provider

One of the most important determinants of your car insurance rates is the insurance company you work with. In San Antonio, USAA offers the cheapest rates for the average insurance customer, though eligibility is restricted to those in the armed forces and their immediate families. However, the best car insurance company for you is based on a number of different factors.

The auto insurance coverage that you choose will also impact what you pay for your policy. For instance, many states only require drivers to carry bodily injury and property damage liability insurance, but there are many additional options available. While it can seriously increase your premiums, adding full coverage (collision coverage or comprehensive coverage purchased together) can add protection for your vehicle. These coverage options will also require a deductible that you are responsible for, however, which policyholders get to set at the onset of a policy. In most cases, a higher deductible will lead to cheaper insurance rates. Also worth considering are add-ons like underinsured/uninsured motorist coverage, roadside assistance and personal injury protection (PIP). These coverages can also increase your overall car insurance premiums, but the protection that they provide is often worth it.

Many auto insurers also offer car insurance discounts. Policyholders can be rewarded for keeping a clean driving record, paying in full at the start of a policy, or bundling renters or homeowners coverage with their car insurance coverage. If you're a good driver who is searching for the cheapest car insurance, make sure to ask about money-saving opportunities offered by your insurance provider.

Below you'll find some of the more affordable car insurance rates in San Antonio. Don't forget to get car insurance quotes that are customized to your individual driving profile.

Insurance CompanyAverage Annual Rate
State Farm$1,378

Consult our expert guide to finding the best cheap car insurance.

San Antonio auto insurance rates by age

The age group that pays the least for car insurance in San Antonio are drivers in their 50s ($1,307per year). Those in their 60s don't pay significantly more ($1,354).

Teen drivers pay San Antonio's most expensive auto insurance rates. One of the most effective ways to get cheaper car insurance rates as a driver in San Antonio is to celebrate your 20th birthday. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in San Antonio is $1,871, the largest such difference between any two age groups.

Age bracketAverage Yearly Rate

Learn more about how age influences auto insurance rates.

San Antonio auto insurance rates by marital status and gender

Marital status and gender are contributing factors to car insurance rates in many cases. Married drivers in San Antonio pay $95 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in San Antonio, single drivers pay more for a car insurance policy than those who are widowed.

Gender is yet another factor that can affect auto insurance premiums. The typical male driver in San Antonio pays $8 more each year for car insurance than does his female counterpart.

Gender/Marital StatusAverage Annual Rate

Learn more about how gender and marital status have on auto insurance rates.

San Antonio car insurance rates by accident and violation history

Maintaining a clean driving record is an effective way to minimize your auto insurance costs. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.

Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In San Antonio, a reckless driving citation results in an average insurance rate increase of $818 per year, compared to the citywide average. For comparison's sake, a DUI offense results in an $837 increase and a speeding ticket triggers a $131 rate hike.

Violation/IncidentAverage Yearly Rate
Reckless Driving$2,320
At-fault Accident (damages < $1,000)$1,903
At-fault Accident (damages > $2,000)$2,277
Speeding Ticket (16-20 mph over speed limit)$1,632

Learn more about citations' impact on your auto insurance rates.

San Antonio auto insurance premiums by credit level

Credit score is often closely correlated with car insurance costs. In fact, San Antonio drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 61% decrease in car insurance rates. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance. In San Antonio, improving your credit to "Fair" could help you earn a $1,308 decrease in yearly insurance premiums.

Credit TierAverage Annual Rate
Very Poor$3,179
Very Good$1,393

Get additional information on how credit impacts car insurance costs.

What drives up car insurance rates in San Antonio?

Where you live in San Antonio affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately San Antonio is no exception to the rule. From ZIP code 78266 to 78206, premiums rise by 17 percent—that’s $232.

Expensive San Antonio ZIP codes: 78285, 78284, 78241, 78237, 78206

Cheap San Antonio ZIP codes: 78266, 78232, 78253, 78248, 78259

San Antonio Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.

And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In San Antonio, you can expect 83 rainy days with an annual rainfall of 32.3 inches. San Antonio is also known to experience thunderstorms and flash floods.


Rainy Days a Year


Avg. Annual Rainfall


Avg. Annual Snowfall

Be Prepared For

Driving in the Alamo City

Major Highways
U.S. 87 U.S. 90 U.S. 81
Public Transit


The E

VIA Primo

Toll Roads
SH 130
Popular Day Trips
Krause Springs Castroville Spoetzl Brewery

Car Insurance Companies in San Antonio

21st Century AAA Access Affirmative AFI Aggressive Insurance Allstate Amica Mutual Insurance AmWINS Heritage AmWINS Star Apparent AssuranceAmerica Branch Bristol West CAIC Cal Casualty Cinch Clearcover Commonwealth Dairyland Direct Auto Elephant Empower Encompass Esurance Falcon Farmers FIMC Foremost GAINSCO GEICO Germania Mutual Hallmark Hippo Infinity Jupiter Auto Kemper Auto Kemper Preferred Lamar General Agency Liberty Mutual Mendota Mercury MetLife MileAuto Multi-State National General Nationwide Progressive Pronto Pronto Flex Safe Auto Safeco Safeway Insurance Company State Auto State Farm Stillwater Texas Farm Bureau The General The Hartford Titan Travelers Unitrin UPC USAA Windhaven

Find Local San Antonio Agents


1100 NE Loop 410 Ste. 200, San Antonio, TX 78209

Hal Harris Insurance Agency

133 Lanark Dr, San Antonio, TX 78218

Purvis Agency, LLC

13485 Wetmore Rd., San Antonio, TX 78247

Austin Hwy/Nix Insurance

1991 Austin Hwy, San Antonio, TX 78218

Roten & Company Agency

1383 E. Bitters Ste 2, San Antonio, TX 78216

Anglesey Insurance Agency, LLC

13620 NW Military Hwy Building 203 Suite 4, San Antonio, TX 78231

Westex Insurance Services Inc

15701 Henderson Pass, San Antonio, TX 78232

David Ison Insurance, Inc.

1383 E Bitters Rd Ste 1, San Antonio, TX 78216

Phil Huizar Insurance Agency

16170 Jones Maltsberger Rd Ste 103, San Antonio, TX 78247

Versatile Insurance Planners

901 NE Loop 410 Ste. 807, San Antonio, TX 78209

IBC Insurance Agency, Ltd.

5300 Walzem Rd. Ste. 200, San Antonio, TX 78218

Eanes & Polk, Inc.

8206 Rough Rider, Ste. 100, San Antonio, TX 78239

Preferred Personal Insurance Agency, LLP

13333 Blanco Rd Ste 200, San Antonio, TX 78216

San Antonio Insurance Agency

1100 NE Loop 410 Ste 650, San Antonio, TX 78209

Kaliff Insurance

1250 NE Loop 410, Ste 920, San Antonio, TX 78209

Global Green Insurance Agency

2700 NE Loop 410 Ste. 330, San Antonio, TX 78217

Belken Insurance Associates

8626 Tesoro Drive, Suite 310, San Antonio, TX 78217

Bluebonnet Independent Insurance Center

113 W. Castano, No. 1, San Antonio, TX 78209

TWFG Insurance Services

1802 NE Loop 410 Ste 520, San Antonio, TX 78217

GSM Insurors

12702 Toepperwein Rd, San Antonio, TX 78233

CS Innovative Insurance Solutions LC

9842 Lorene Ln, San Antonio, TX 78216

Independent Insurance Center, Inc

1739 Citadel Plaza, San Antonio, TX 78209

Bear Insurance Agency, Inc.

PO Box 34477, San Antonio, TX 78265

Whitaker Insurance Associates, Inc.

8626 Tesoro Dr #310, San Antonio, TX 78217



The average San Antonian's annual cost of coverage



Our customer's average savings after comparing insurance



That's equal to 393 tacos or $590 in savings

See How Much You Can Save in San Antonio

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Recent Questions:

Should I file a claim if my son damaged our cars in the driveway?

Considering that you have a young driver on your policy and your rates are already inflated due to a recent claim, I would recommend getting a repair estimate first to see if you can afford to pay for the damage out of pocket. At fault accidents in Texas have an average impact of about $850 extra per year for 3 years from the date of the incident, and you may have to pay a deductible for each vehicle.
Jan 8, 2017 San Antonio, TX

What is full coverage?

This can be extremely confusing, but essentially it means your company will no longer provide you with comprehensive or collision coverage. You can check out our article about full coverage by clicking the link.
Jun 23, 2016 San Antonio, TX

When do I have to pay my deductible

Simply put, no. Your deductible only applies to your car through your collision and comprehensive coverage.
Jun 24, 2018 San Antonio, TX

Do I need PIP?

First of all, thank you for your service! It sounds like you have outstanding health insurance for yourself, and potentially your family as well. It may not be necessary in your current situation to carry PIP, but here are a few reasons why it may make sense to add it to your policy: Your health coverage has a high deductible - PIP coverage on Texas auto policies does not have a deductible so, if you are injured in an accident that is your fault, this coverage kicks in immediately.
Jun 23, 2016 San Antonio, TX

Kristine Lee
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.