For a 40-year-old driver with a clean record, San Antonio car insurance averages about $258 a month ($3,100 a year) for full coverage, based on the rates insurers had filed with state regulators as of Sept. 30, 2026. That’s 3% above the Texas average of $251 a month. State Farm and Auto Club (AAA) are effectively tied for the lowest full-coverage average among the five major insurers we compared (Allstate, Auto Club, GEICO, Progressive and State Farm), at about $190 and $196 a month.
San Antonio costs about $7 a month more than the Texas average for our benchmark driver, and less than Dallas or Houston. State Farm and Auto Club (AAA) are effectively tied for the lowest average among insurers anyone can buy from.
Our data covers 53 ZIP codes with a San Antonio mailing address, from about $233 a month in 78266 to $274 in 78237.
Cost data comes from the auto rates insurers file with state regulators, priced across all 53 San Antonio ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Sept. 30, 2026. Page reviewed Nov. 13, 2026.
Full coverage in San Antonio averages $3,100 a year, or about $258 a month, for our benchmark driver. Liability-only coverage at Texas’ 30/60/25 minimum averages $1,157 a year ($96 a month), and 50/100/50 liability with comprehensive and collision averages $2,803 ($234 a month).
Allstate is far more expensive than the other insurers here: its full-coverage average of about $463 a month is 2.1 times the average of the other five. We keep it in our averages because it’s a rate the insurer filed with state regulators; without Allstate, the San Antonio average would be about $218 a month.
San Antonio, TexasRates as of Sept. 30, 2026
Same sample driver, car and coverage in all 53 San Antonio ZIP codes we priced, from insurers’ filed rates. Only the insurer and the ZIP code change.
In San Antonio, our sample driver with full coverage (100/300/100 limits) pays $258 a month ($3,100 a year) on average across 53 ZIP codes and 6 insurers, 3.0% above the Texas average of $251 a month. Rates as of Sept. 30, 2026.
| Insurer | A month | A year | ZIP codes priced |
|---|---|---|---|
| USAA members only | $183 | $2,193 | 53 |
| State Farm Two lowest | $190 | $2,283 | 53 |
| Auto Club (AAA) Two lowest | $196 | $2,351 | 53 |
| GEICO | $237 | $2,841 | 53 |
| Progressive | $282 | $3,381 | 53 |
| Allstate | $463 | $5,552 | 53 |
Sample prices built from insurers’ filed rates, not quotes or offers.
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We priced one sample driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own for personal use; full coverage (collision and comprehensive with $500 deductibles) at 100/300/100 or 50/100/50 liability limits, or liability only at the Texas minimum (30/60/25). For each insurer and ZIP code we use the lowest price it returned that can actually be bought; a ZIP code’s average is the average of its insurers, and the San Antonio average is the average of its ZIP codes, so each ZIP code counts once.
100/300/100 means $100,000 of injury coverage per person, $300,000 per crash and $100,000 for property damage; 50/100/50 means $50,000 of injury coverage per person, $100,000 per crash and $50,000 for property damage; 30/60/25 means $30,000 of injury coverage per person, $60,000 per crash and $25,000 for property damage.
When one insurer’s lead over the next is under 5% or over 30%, we name the two lowest instead of one. Insurers that sell only to members (USAA) are labeled and never called the lowest price anyone can buy.
Rates as of Sept. 30, 2026. Your own price will differ. Allstate is in these numbers: we keep it because it’s a rate the insurer filed with state regulators. Where its price is at least twice the other insurers’ average, we also show the average without it. Texas Farm Bureau and Farmers aren’t in this calculator: we don’t have their filed rates for our sample driver (their rows on this page are marked * and aren’t ranked).
State Farm and Auto Club (AAA) are effectively tied for the lowest full-coverage average among the insurers in our San Antonio rate data that are among insurers anyone can buy from. USAA averages even less, at $183 a month, but it sells only to military members, veterans and their families. Most of the published 2026 statewide Texas rate studies we reviewed name Texas Farm Bureau or State Farm as cheapest for full coverage. For liability-only coverage at 30/60/25 limits, State Farm has the lowest average among these five insurers, at about $68 a month, followed by GEICO at $82. USAA comes in even lower, at about $55 a month, but it sells only to military families.
Full-coverage averages by insurer in San Antonio
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Sept. 30, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 30/60/25 (Yearly): | Minimum Liability 30/60/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| USAA (military families) | $657 | $55 | $2,193 | $183 |
| State Farm | $819 | $68 | $2,283 | $190 |
| Auto Club (AAA) | $1,037 | $86 | $2,351 | $196 |
| GEICO | $987 | $82 | $2,841 | $237 |
| Progressive | $1,204 | $100 | $3,381 | $282 |
| Allstate | $2,236 | $186 | $5,552 | $463 |
| Texas Farm Bureau* | $593 | $49 | $1,453 | $121 |
| Farmers* | $1,506 | $126 | $4,802 | $400 |
| San Antonio average | $1,157 | $96 | $3,100 | $258 |
This table uses San Antonio ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Across the 53 San Antonio ZIP codes we price, full coverage for our driver ranges from about $233 a month in 78266 to $274 in 78237, a gap of $491 a year. ZIP codes on the North Side and the northeast edge of the city, such as 78233, 78257 and 78266, are among the least expensive in our data, and West Side ZIP codes such as 78228 and 78237 are the most expensive.
Lowest-priced San Antonio ZIP codes
Highest-priced San Antonio ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below San Antonio’s average.
| ZIP Code: | Minimum Liability 30/60/25 (Yearly): | Minimum Liability 30/60/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 78201 | $1,164 | $97 | $3,143 | $262 | +1% |
| 78202 | $1,192 | $99 | $3,184 | $265 | +3% |
| 78203 | $1,162 | $97 | $3,124 | $260 | +1% |
| 78204 | $1,149 | $96 | $3,110 | $259 | About average |
| 78207 | $1,193 | $99 | $3,190 | $266 | +3% |
| 78209 | $1,139 | $95 | $3,045 | $254 | -2% |
| 78210 | $1,125 | $94 | $3,075 | $256 | -1% |
| 78211 | $1,200 | $100 | $3,218 | $268 | +4% |
| 78212 | $1,194 | $100 | $3,157 | $263 | +2% |
| 78213 | $1,181 | $98 | $3,119 | $260 | +1% |
| 78214 | $1,177 | $98 | $3,160 | $263 | +2% |
| 78216 | $1,158 | $97 | $3,087 | $257 | About average |
| 78217 | $1,164 | $97 | $3,100 | $258 | About average |
| 78218 | $1,150 | $96 | $3,069 | $256 | -1% |
| 78219 | $1,158 | $97 | $3,067 | $256 | -1% |
| 78220 | $1,150 | $96 | $3,105 | $259 | About average |
| 78221 | $1,153 | $96 | $3,098 | $258 | About average |
| 78222 | $1,136 | $95 | $3,060 | $255 | -1% |
| 78223 | $1,154 | $96 | $3,095 | $258 | About average |
| 78224 | $1,172 | $98 | $3,120 | $260 | +1% |
| 78225 | $1,174 | $98 | $3,167 | $264 | +2% |
| 78226 | $1,194 | $100 | $3,167 | $264 | +2% |
| 78227 | $1,215 | $101 | $3,215 | $268 | +4% |
| 78228 | $1,211 | $101 | $3,219 | $268 | +4% |
| 78229 | $1,213 | $101 | $3,215 | $268 | +4% |
| 78230 | $1,139 | $95 | $3,065 | $255 | -1% |
| 78231 | $1,142 | $95 | $3,045 | $254 | -2% |
| 78232 | $1,115 | $93 | $2,995 | $250 | -3% |
| 78233 | $1,116 | $93 | $2,957 | $246 | -5% |
| 78237 | $1,257 | $105 | $3,289 | $274 | +6% |
| 78238 | $1,215 | $101 | $3,207 | $267 | +3% |
| 78239 | $1,149 | $96 | $3,028 | $252 | -2% |
| 78240 | $1,202 | $100 | $3,160 | $263 | +2% |
| 78242 | $1,184 | $99 | $3,192 | $266 | +3% |
| 78244 | $1,156 | $96 | $3,093 | $258 | About average |
| 78245 | $1,177 | $98 | $3,122 | $260 | +1% |
| 78247 | $1,149 | $96 | $3,052 | $254 | -2% |
| 78248 | $1,115 | $93 | $2,992 | $249 | -3% |
| 78249 | $1,138 | $95 | $3,060 | $255 | -1% |
| 78250 | $1,214 | $101 | $3,178 | $265 | +3% |
| 78251 | $1,220 | $102 | $3,184 | $265 | +3% |
| 78252 | $1,185 | $99 | $3,189 | $266 | +3% |
| 78253 | $1,200 | $100 | $3,167 | $264 | +2% |
| 78254 | $1,165 | $97 | $3,105 | $259 | About average |
| 78255 | $1,096 | $91 | $3,032 | $253 | -2% |
| 78256 | $1,128 | $94 | $3,045 | $254 | -2% |
| 78257 | $1,071 | $89 | $2,967 | $247 | -4% |
| 78258 | $1,109 | $92 | $3,016 | $251 | -3% |
| 78259 | $1,112 | $93 | $3,004 | $250 | -3% |
| 78260 | $1,111 | $93 | $3,026 | $252 | -2% |
| 78261 | $1,091 | $91 | $2,991 | $249 | -4% |
| 78264 | $1,100 | $92 | $3,036 | $253 | -2% |
| 78266 | $979 | $82 | $2,798 | $233 | -10% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $297 a year on average in our San Antonio data, with the same $500 deductibles. That’s about $24 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Slightly, for our benchmark driver. Comparing the five insurers that are in both sets of rates, in the same San Antonio ZIP codes, their full-coverage average rose from $2,597 a year 10 months earlier to $2,610 in rates as of Sept. 30, 2026, a 0.5% increase. Progressive cut its San Antonio average 4.4% and Auto Club (AAA) 0.8%, while USAA raised its average 6.8% and GEICO 3.9%; State Farm’s average was about unchanged. Allstate is new in our rates over the past 10 months, so it’s left out, which is why these averages differ from the San Antonio average above. Liability-only coverage at 30/60/25 limits fell 0.5%, led by USAA, which cut its liability-only average 12.2%.
San Antonio has a large military community. USAA, which sells only to military members, veterans and their families, averages about $183 a month for full coverage in our San Antonio data. Because most drivers can’t buy it, we list USAA separately.
Bexar County averages about $258 a month for full coverage, the 14th-most expensive of the 179 Texas counties we price, while neighboring Comal County averages $234 and Guadalupe County $229. The Texas Department of Insurance lists where you live among the factors insurers use, so neighboring cities can be priced differently.
More Texas cities and towns are in the Texas rates by city table, and you can compare states on our car insurance rates by state page.
Austin, about 75 miles northeast, averages $242 a month, and Corpus Christi, about 130 miles southeast, $233. Laredo averages $250.
Drivers in San Antonio follow Texas’ rules. Every policy must include at least:
Every Texas policy includes personal injury protection unless you turn it down in writing, and insurers must offer uninsured/underinsured motorist coverage, which you can also turn down only in writing. Our Texas requirements guide covers the details and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Sept. 30, 2026.
Coverage requirements come from Texas law and the Texas Department of Insurance. We refresh these figures when new rate data is released.
Across the eight counties in the San Antonio area and 86 ZIP codes we price there, full coverage runs from about $229 a month in Guadalupe County to $258 in Bexar County. The Texas average is $251. These figures use the same rate data and benchmark driver as the rest of this page.
| County: | ZIP Codes in Our Data: | Minimum Liability 30/60/25 (Yearly): | Minimum Liability 30/60/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|---|
| Bexar County | 62 | $1,147 | $96 | $3,090 | $258 |
| Bandera County | 2 | $971 | $81 | $2,981 | $248 |
| Medina County | 4 | $948 | $79 | $2,857 | $238 |
| Kendall County | 1 | $899 | $75 | $2,843 | $237 |
| Atascosa County | 5 | $958 | $80 | $2,826 | $236 |
| Comal County | 6 | $949 | $79 | $2,808 | $234 |
| Wilson County | 2 | $945 | $79 | $2,781 | $232 |
| Guadalupe County | 4 | $956 | $80 | $2,742 | $229 |
| Texas average | 1019 | $1,065 | $89 | $3,011 | $251 |
The tables below come from an additional InsuranceQuotes rate analysis that uses its own driver profile and coverage assumptions, so the dollar amounts differ from the San Antonio averages above. Use them to see how vehicle type, a newer car and driver age change what you pay.
This breakdown shows how the type of car changes the price in each county in the table. Across the eight counties in this table, SUV policies cost the least on average and hybrid policies the most, about 23% more. Search the table for your county.
| County: | Sedan: | SUV: | Coupe: | Truck: | Hybrid: |
|---|---|---|---|---|---|
| Atascosa | $1,129 | $966 | $1,069 | $1,138 | $1,199 |
| Bandera | $1,202 | $1,026 | $1,133 | $1,216 | $1,281 |
| Bexar | $1,331 | $1,148 | $1,274 | $1,320 | $1,385 |
| Comal | $1,241 | $1,066 | $1,183 | $1,244 | $1,309 |
| Guadalupe | $1,235 | $1,063 | $1,181 | $1,237 | $1,300 |
| Kendall | $1,236 | $1,057 | $1,169 | $1,251 | $1,318 |
| Medina | $1,232 | $1,057 | $1,170 | $1,239 | $1,304 |
| Wilson | $1,232 | $1,056 | $1,171 | $1,236 | $1,301 |
| Average Yearly Costs: | $1,230 | $1,055 | $1,169 | $1,235 | $1,300 |
Insuring a newer car usually costs more, because comprehensive and collision have to cover a more expensive vehicle. In this breakdown, full-coverage prices for a new car differ by about 30% between the lowest- and highest-priced insurers, so comparing quotes pays off even more when you buy new.
| Insurance Provider: | State Minimum: | Full Coverage: |
|---|---|---|
| USAA: | $530 | $2,280 |
| GEICO: | $838 | $2,588 |
| AAA: | $763 | $2,672 |
| Progressive: | $720 | $2,766 |
| State Farm: | $838 | $2,974 |
Age is one of the biggest rating factors for young drivers. In this breakdown, a 17-year-old pays about 2.9 times what a 39-year-old pays for full coverage, and prices fall quickly through the early 20s.
| Driver’s Age: | State Minimum Coverage | Full Coverage |
|---|---|---|
| 17 | $2,686 | $7,193 |
| 18 | $2,346 | $6,376 |
| 20 | $1,664 | $4,752 |
| 22 | $1,248 | $3,659 |
| 24 | $1,068 | $3,172 |
| 29 | $865 | $2,654 |
| 34 | $833 | $2,530 |
| 39 | $829 | $2,496 |
| 44 | $825 | $2,460 |
| 49 | $813 | $2,425 |
| 54 | $791 | $2,329 |
| 64 | $807 | $2,270 |
| 74 | $982 | $2,622 |
| 76 | $1,049 | $2,761 |
For our benchmark driver, full coverage in San Antonio averages about $258 a month ($3,100 a year) and liability-only coverage about $96 a month, based on the rates insurers had filed with state regulators as of Sept. 30, 2026. Full coverage is 3% above the Texas average of $251 a month. Without Allstate, the San Antonio average is about $218 a month.
State Farm and Auto Club (AAA) are effectively tied for the lowest full-coverage average among insurers anyone can buy from in our San Antonio rate data, at about $190 and $196 a month. USAA, which sells only to military members, veterans and their families, has a lower average still ($183 a month). GEICO’s average is next, at $237. For liability-only coverage, State Farm has the lowest average among the five major insurers we compared, at about $68 a month. The published 2026 statewide Texas rate studies we reviewed most often rank Texas Farm Bureau or State Farm cheapest for full coverage. Rates vary by driver, so compare quotes for your own car and ZIP code.
Start with State Farm and Auto Club (AAA), which are effectively tied for the lowest full-coverage average among insurers anyone can buy from in our San Antonio data, at about $190 and $196 a month. If you’re in the military community, compare USAA too; it averages about $183 a month here but sells only to eligible members.
In our data, 78266 has the lowest full-coverage average in San Antonio, at about $233 a month, and 78237 the highest, at about $274. The ZIP code table on this page lists all 53.
In our San Antonio data, full coverage (100/300/100 with $500 deductibles) averages about $258 a month and liability-only coverage at 30/60/25 limits about $96, a difference of about $162 a month ($1,943 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Texas law doesn’t require full coverage, but a lender or leasing company may.
Slightly, for our benchmark driver. Comparing the five insurers in both sets of rates (Allstate is new over the past 10 months), their San Antonio full-coverage average rose 0.5%, from about $2,597 to $2,610 a year. That’s lower than the San Antonio average of $3,100 because it leaves out Allstate. Progressive cut its San Antonio average 4.4% and Auto Club (AAA) 0.8%, while USAA raised its average 6.8% and GEICO 3.9%. Liability-only coverage at 30/60/25 limits fell 0.5%.
For our benchmark driver, full coverage in San Antonio averages about $258 a month. Nearby, Austin averages about $242, Corpus Christi about $233 and Laredo about $250. Austin, Corpus Christi and Laredo are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
