Cheapest car insurance companies in San Antonio
Texas Farm Bureau and Nationwide have the cheapest car insurance premiums for San Antonio drivers in 2023, based on a data study by Insurance.com.
Texas Farm Bureau is the cheapest option for most San Antonio drivers, with an average annual rate of $1,384 .
When it comes to car insurance costs in San Antonio, several factors come into play. Your location, driving record, coverage level, and the insurance company you choose can all affect the price you’ll pay. Make sure you shop around and compare policies apples to apples to get a good deal on your insurance policy.
| Companies | Average annual rates |
|---|---|
| Texas Farm Bureau | $1,384 |
| Nationwide | $1,522 |
| Redpoint County Mutual | $1,610 |
| Geico | $1,774 |
| USAA | $1,932 |
| Auto Club Enterprises (AAA) | $2,056 |
| State Farm | $2,074 |
| Allstate | $3,026 |
| Progressive | $3,189 |
| Farmers | $4,130 |
Cheapest car insurance cost in San Antonio by Age Group
Redpoint County Mutual stands out as San Antonio's cheapest auto insurance company for teen drivers at an average annual of $1,610. Insurance providers classify teenagers as high-risk drivers, and that's why they typically face increased insurance costs compared to other age groups.
Getting lower rates isn't easy for young drivers, but they can take some steps to increase their chances of getting affordable insurance. Many insurance companies offer good student discounts to drivers who maintain a certain grade point average (GPA). Besides, teen drivers can lower premiums by staying on their parents' insurance.
For young drivers in San Antonio, Redpoint County Mutual has the cheapest auto insurance rates, with an average annual cost of $1,610 annually.
An analysis of car insurance rates for San Antonio drivers reveal a significant decrease in premiums for individuals in their 30s compared to those in their 20s. Texas Farm Bureau offers the cheapest full-coverage car insurance rates at $1,370 per year.
If you are a senior driver in San Antonio and looking for a cheap car insurance company, then consider buying insurance from Texas Farm Bureau. It is the cheapest auto insurance company for senior drivers, with an average premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. of $1,156 per year.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| Redpoint County Mutual | $1,610 | $1,610 | $1,610 | $1,610 |
| Texas Farm Bureau | $2,617 | $1,905 | $1,370 | $1,156 |
| USAA | $4,152 | $2,763 | $1,952 | $1,999 |
| Geico | $4,257 | $2,395 | $1,763 | $1,688 |
| State Farm | $5,508 | $3,298 | $2,072 | $1,959 |
| Nationwide | $5,607 | $2,714 | $1,513 | $1,506 |
| Allstate | $6,184 | $4,244 | $3,056 | $2,945 |
| Auto Club Enterprises (AAA) | $6,815 | $3,786 | $2,100 | $2,124 |
| Progressive | $8,182 | $5,444 | $3,213 | $3,203 |
| Farmers | $9,261 | $5,838 | $4,019 | N/A |
Cheapest car insurance companies in San Antonio by driver profile
Driver profile is one of the many factors that insurers take into account to determine car insurance premiums in San Antonio. Drivers with a history of accidents or traffic citations on their record can expect significantly higher costs than those with a clean driving record.
Finding the cheapest car insurance in San Antonio requires comparing quotes from multiple companies. This way, you can get the best coverage for your budget. Don't settle for the first offer; explore options for the most affordable fit.
Below are some of the cheapest car insurance companies in San Antonio by driver profile.
- Cheapest for a driver with poor credit: Nationwide
- Cheapest for a driver with a speeding ticket: State Farm
- Cheapest for accident: State Farm
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: Nationwide
Drivers in San Antonio with poor credit can get the cheapest car insurance from Nationwide at an average cost of $1,880 a year, according to a data study by Insurance.com.
Below is a list of carriers that offer car insurance at an affordable rate for drivers with poor or less-than-perfect credit scores.
| Company | Average annual rates |
|---|---|
| Nationwide | $1,880 |
| State Farm | $2,828 |
| USAA | $2,901 |
| Farmers | $2,909 |
| Progressive | $3,743 |
| Geico | $4,483 |
| Allstate | $4,708 |
Cheapest for drivers with a speeding ticket: State Farm
State Farm offers the cheapest auto insurance rates for drivers with a speeding ticket in San Antonio. It provides full coverage car insurance for drivers aged 30 at about $1,363 per year.
Some companies are known for providing the cheapest car insurance rates, but finding the most affordable policy depends highly on individual factors.
Comparing quotes from various car insurance companies can prove beneficial for getting the best deal. With this, you can get the coverage you need at an affordable price.
| Company | Average annual premium |
|---|---|
| State Farm | $1,363 |
| Nationwide | $1,633 |
| USAA | $1,846 |
| Geico | $2,601 |
| Allstate | $2,966 |
| Progressive | $2,997 |
| Farmers | $3,574 |
Cheapest auto insurance after an at-fault accident: State Farm
According to Insurance.com's analysis, State Farm tops the list of cheap car insurance providers in San Antonio for drivers involved in at-fault accidents, with an average annual cost of $1,712. After being in an at-fault accident, finding cheap car insurance rates might seem challenging, but by comparing quotes, you can find a policy that aligns with your budget.
| Company | Average annual rates |
|---|---|
| State Farm | $1,712 |
| Nationwide | $2,121 |
| Geico | $2,897 |
| USAA | $2,975 |
| Progressive | $3,872 |
| Allstate | $4,995 |
| Farmers | $5,246 |
Cheapest auto insurance after a DUI: State Farm
Among the carriers analyzed, State Farm offers the cheapest auto insurance premiums for drivers with a DUI in San Antonio. On average, its annual full coverage rate is $2,495, making it a significantly cheaper option than other insurance providers.
Following a DUI conviction, it's likely that your auto insurance premiums will increase. To get affordable premiums, compare car insurance quotes from various providers. Comparison shopping can help you find the best possible offer.
| Company | Average annual rates |
|---|---|
| State Farm | $2,495 |
| USAA | $2,813 |
| Nationwide | $2,926 |
| Farmers | $3,090 |
| Progressive | $3,235 |
| Geico | $3,330 |
| Allstate | $5,939 |
Average car insurance cost in San Antonio
In San Antonio, the annual cost of car insurance for the coverage level of 100/300/100 is $2,181 or around $182 per month. However, the average yearly rate for state minimum coverage in San Antonio is $649.
Full coverage insurance costs more than the state minimum, but it provides comprehensive coverage for your car and coverage for other driver’s vehicle. To reduce your premium, you might want to compare quotes from various insurance companies.
| Average annual Rates | State minimum average |
|---|---|
| $2,181 | $649 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
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