San Antonio, TX, drivers pay an average of about $218 a month ($2,612 a year) for full coverage and $78 a month ($939 a year) for the Texas minimum, based on the rates insurers had filed with state regulators as of August 31, 2026 for a 40-year-old with a clean record. That’s about 4% above the Texas average. State Farm ($190 a month) and Auto Club (AAA, $196) are effectively tied for the lowest full-coverage average among insurers open to everyone.
Updated September 24, 2026, with the rates insurers had filed with state regulators as of August 31, 2026. Rate data: Quadrant Information Services. Written by Michael Giusti.
San Antonio sits in the middle of the Texas pack: cheaper than Houston and Dallas, pricier than Austin. For our benchmark driver, full coverage costs $344 a year less than in Houston but $186 more than 80 miles up I-35 in Austin. Minimum coverage is where San Antonio stands out, at about 11% above the state average.
It’s also Military City USA. With Joint Base San Antonio and USAA’s headquarters in town, a large share of local drivers can buy from USAA, which has the lowest prices in our data. If you don’t qualify, State Farm and Auto Club (AAA) are the insurers to beat.
How Much Is Car Insurance in San Antonio?
Full coverage in San Antonio averages $2,612 a year, about $218 a month, and a state-minimum policy averages $939 a year, about $78 a month. Texas averages $2,513 and $848 for the same driver.
Across the San Antonio–New Braunfels metro, the average is $2,544 for full coverage in 86 ZIP codes. The suburbs are generally cheaper: New Braunfels averages $2,308, Schertz and Cibolo about $2,384 and Boerne $2,493. Helotes, at $2,654, costs slightly more than the city.
- Full coverage: $2,612 a year ($218 a month)
- State minimum (30/60/25): $939 a year ($78 a month)
- Metro average: $2,544 full coverage, $885 minimum
- ZIP code range: $2,423 (78266) to $2,741 (78228) for full coverage
Cost data comes from the auto rates insurers file with state regulators, priced across the 53 San Antonio ZIP codes we price, compiled by Quadrant Information Services and updated as new rates are filed.
Cheapest Car Insurance Companies in San Antonio
- Cheapest for full coverage: State Farm ($190 a month) and Auto Club (AAA, $196) are effectively tied, less than 3% apart.
- Cheapest for minimum coverage: State Farm, at about $68 a month ($819 a year), about $14 a month less than GEICO.
- For military families: USAA, open only to service members, veterans and their families, comes in at about $176 a month for full coverage and $53 for minimum coverage, the lowest in our San Antonio data.
- Priciest insurer: Progressive, at about $289 a month for full coverage, $1,181 a year more than State Farm.
These are San Antonio-only averages across 53 ZIP codes. Texas Farm Bureau may undercut them all, but you’ll need a Farm Bureau membership to buy it. You can compare quotes from these and other insurers in one place on InsuranceQuotes. See how we calculated these rates.
Full-coverage averages by insurer in San Antonio
Monthly, for the same driver and car. Estimated insurers are in the table below, not the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of August 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Provider: | State Minimum: | Monthly: | Full Coverage: | Monthly |
|---|---|---|---|---|
| USAA (military families) | $636 | $53 | $2,117 | $176 |
| State Farm | $819 | $68 | $2,285 | $190 |
| Auto Club (AAA) | $1,037 | $86 | $2,351 | $196 |
| GEICO | $987 | $82 | $2,841 | $237 |
| Progressive | $1,216 | $101 | $3,466 | $289 |
| Texas Farm Bureau* | $544 | $45 | $1,452 | $121 |
| Allstate* | $1,732 | $144 | $4,616 | $385 |
| Farmers* | $2,784 | $232 | $6,744 | $562 |
Texas Farm Bureau Insurance requires a Farm Bureau membership and sells through local agents. If you’re willing to join, it’s often among the lowest-priced insurers in Texas in published 2026 rate studies.
San Antonio Car Insurance Rates by ZIP Code
San Antonio’s ZIP codes are closer together than Houston’s or Dallas’s. Full coverage for our driver ranges from about $2,423 a year in 78266 on the far Northeast Side near Garden Ridge to $2,741 in 78228 on the West Side, a difference of $318 a year, or about $27 a month.
North and Northeast Side ZIP codes such as 78257, 78233, 78248 and 78232 are among the cheapest. The West Side, including 78228, 78237 and 78227, is the most expensive. Find your ZIP code in the table.
Lowest-priced San Antonio ZIP codes
Highest-priced San Antonio ZIP codes
| ZIP Code: | Full Coverage: | Monthly: | State Minimum: | Monthly: | vs. City Average: |
|---|---|---|---|---|---|
| 78201 | $2,662 | $222 | $942 | $79 | +2% |
| 78202 | $2,647 | $221 | $944 | $79 | +1% |
| 78203 | $2,624 | $219 | $932 | $78 | About average |
| 78204 | $2,584 | $215 | $916 | $76 | -1% |
| 78207 | $2,672 | $223 | $946 | $79 | +2% |
| 78209 | $2,562 | $214 | $929 | $77 | -2% |
| 78210 | $2,618 | $218 | $928 | $77 | About average |
| 78211 | $2,676 | $223 | $958 | $80 | +2% |
| 78212 | $2,619 | $218 | $945 | $79 | About average |
| 78213 | $2,602 | $217 | $942 | $79 | About average |
| 78214 | $2,644 | $220 | $949 | $79 | +1% |
| 78216 | $2,623 | $219 | $952 | $79 | About average |
| 78217 | $2,634 | $220 | $958 | $80 | +1% |
| 78218 | $2,593 | $216 | $943 | $79 | -1% |
| 78219 | $2,599 | $217 | $951 | $79 | About average |
| 78220 | $2,620 | $218 | $941 | $78 | About average |
| 78221 | $2,614 | $218 | $928 | $77 | About average |
| 78222 | $2,590 | $216 | $924 | $77 | -1% |
| 78223 | $2,631 | $219 | $946 | $79 | +1% |
| 78224 | $2,623 | $219 | $943 | $79 | About average |
| 78225 | $2,653 | $221 | $945 | $79 | +2% |
| 78226 | $2,637 | $220 | $950 | $79 | +1% |
| 78227 | $2,703 | $225 | $971 | $81 | +3% |
| 78228 | $2,741 | $228 | $990 | $83 | +5% |
| 78229 | $2,684 | $224 | $970 | $81 | +3% |
| 78230 | $2,586 | $216 | $928 | $77 | -1% |
| 78231 | $2,563 | $214 | $932 | $78 | -2% |
| 78232 | $2,545 | $212 | $917 | $76 | -3% |
| 78233 | $2,493 | $208 | $918 | $77 | -5% |
| 78237 | $2,721 | $227 | $989 | $82 | +4% |
| 78238 | $2,652 | $221 | $972 | $81 | +2% |
| 78239 | $2,583 | $215 | $957 | $80 | -1% |
| 78240 | $2,652 | $221 | $968 | $81 | +2% |
| 78242 | $2,683 | $224 | $958 | $80 | +3% |
| 78244 | $2,621 | $218 | $949 | $79 | About average |
| 78245 | $2,656 | $221 | $958 | $80 | +2% |
| 78247 | $2,571 | $214 | $941 | $78 | -2% |
| 78248 | $2,540 | $212 | $916 | $76 | -3% |
| 78249 | $2,591 | $216 | $927 | $77 | -1% |
| 78250 | $2,644 | $220 | $970 | $81 | +1% |
| 78251 | $2,668 | $222 | $976 | $81 | +2% |
| 78252 | $2,633 | $219 | $935 | $78 | +1% |
| 78253 | $2,660 | $222 | $965 | $80 | +2% |
| 78254 | $2,634 | $220 | $960 | $80 | +1% |
| 78255 | $2,574 | $215 | $906 | $76 | -1% |
| 78256 | $2,591 | $216 | $916 | $76 | -1% |
| 78257 | $2,479 | $207 | $876 | $73 | -5% |
| 78258 | $2,553 | $213 | $921 | $77 | -2% |
| 78259 | $2,545 | $212 | $924 | $77 | -3% |
| 78260 | $2,593 | $216 | $924 | $77 | -1% |
| 78261 | $2,553 | $213 | $906 | $76 | -2% |
| 78264 | $2,562 | $214 | $882 | $74 | -2% |
| 78266 | $2,423 | $202 | $841 | $70 | -7% |
Your ZIP code matters
How Much More Does Better Coverage Cost in San Antonio?
In San Antonio, full coverage costs about $1,673 a year more than a state-minimum policy, roughly $139 a month, because it adds comprehensive and collision for your own car. Your lender will require both if you finance or lease.
Raising liability from 50/100/50 to 100/300/100, while keeping comprehensive and collision, adds about $246 a year ($21 a month) in our data. That’s a small price for per-crash injury limits five times the state minimum.
Why USAA Matters So Much in San Antonio
USAA was founded in San Antonio and is still headquartered here, and the city’s military bases mean many residents are eligible. In our data, USAA’s full-coverage average of $176 a month is about $14 less than State Farm’s, and its minimum-coverage average of $53 is about $15 less.
Eligibility covers active-duty service members, veterans who served honorably and many of their family members. If you qualify, get a USAA quote first. If you don’t, you won’t necessarily overpay: State Farm’s full-coverage average is only about $14 a month above USAA’s.
How San Antonio Compares With Other Texas Cities
San Antonio’s full-coverage average of $2,612 is below Houston ($2,956) and Dallas ($2,850) but above Austin ($2,426) and Corpus Christi ($2,360). Hailstorms along the I-35 and I-10 corridors are the main weather risk here, which is why comprehensive coverage is worth keeping.
Every Texas city we price is in the Texas rates by city table, and you can compare states on our car insurance rates by state page.
What Car Insurance Is Required in San Antonio?
Texas sets the rules for every driver in San Antonio. To register and drive a car, you need liability insurance of at least:
- $30,000 for injuries to one person
- $60,000 for injuries to everyone in one crash
- $25,000 for damage to other people’s property
That’s known as 30/60/25 coverage. Insurers must also offer personal injury protection (PIP) of at least $2,500 per person and uninsured/underinsured motorist coverage. Both are added to your policy unless you reject them in writing. The rules and penalties are explained in the Texas Department of Insurance auto insurance guide. Texas is an at-fault state, so the driver who causes a crash pays for the damage through their liability coverage.
How to Lower Your Car Insurance Rate in San Antonio
San Antonio drivers can save the most by comparing companies: Progressive’s full-coverage average is about $98 a month higher than State Farm’s for the same driver. Then try these:
- Get a USAA quote if you or a parent served. It’s the cheapest option in our data for eligible drivers.
- Compare State Farm and Auto Club (AAA) side by side. They’re effectively tied for full coverage in San Antonio, so small differences in your profile decide the winner.
- Compare more than the insurers in our tables. Texas Farm Bureau, Allstate and Farmers also sell car insurance in San Antonio, so compare quotes to see where they land for your car and driving record.
- Keep comprehensive for hail. If you want a lower bill, raise the deductible rather than dropping the coverage.
- Ask about bundling and paying in full. Many insurers discount multi-policy customers and annual payments.
- Shop again at each renewal. Insurers’ rates change during the year, and so does the cheapest company.
- Insure your car and home together. A multi-policy discount is one of the easiest savings to get, so compare San Antonio home insurance rates too.
Ready to compare
San Antonio Car Insurance Rates by County
Full-coverage averages in the counties around San Antonio range from about $194 a month in Wilson County to $217 in Bexar County, across 86 ZIP codes we sample. The Texas average is $209. These figures use the same rate data and benchmark driver as the rest of this page.
| County | ZIP Codes Sampled | State Minimum /mo | Full Coverage /mo | Full Coverage /yr |
|---|---|---|---|---|
| Atascosa County | 5 | $62 | $196 | $2,346 |
| Bandera County | 2 | $61 | $206 | $2,477 |
| Bexar County | 62 | $78 | $217 | $2,601 |
| Comal County | 6 | $67 | $204 | $2,442 |
| Guadalupe County | 4 | $68 | $196 | $2,353 |
| Kendall County | 1 | $62 | $207 | $2,488 |
| Medina County | 4 | $62 | $200 | $2,399 |
| Wilson County | 2 | $62 | $194 | $2,322 |
| Texas average | 1019 | $71 | $209 | $2,513 |
More San Antonio Car Insurance Breakdowns
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.
San Antonio Car Insurance Costs by County and Vehicle Type
This breakdown shows how the type of car changes the price in each county in the San Antonio area. Across the 8 counties listed, 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 |
New Car Insurance Rates in Texas
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 |
Car Insurance Costs by Age in Texas
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 as drivers build a clean record.
| 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 |
How We Calculated San Antonio Car Insurance Rates
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 August 31, 2026.
- Sample: 848 quotes (424 full coverage and 424 state minimum) from 8 insurance companies, grouped into 5 brands, in 53 San Antonio ZIP codes.
- 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.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles. State minimum is the 30/60/25 liability Texas requires.
- Calculation: for each brand we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every brand-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: USAA is shown but not ranked because only military members, veterans and their families can buy it. Prices within 3% of each other are called effectively tied.
- What we leave out: prices that depend on something our driver doesn’t have (a telematics program, an anti-theft device or a membership) and insurers closed to new business.
- Other insurers: when the Quadrant rate data we analyze doesn’t include an insurer’s rate for this driver, its average is estimated from 2026 published rate studies and scaled to the same driver and coverage. Those insurers aren’t used for our cheapest-insurer rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving history, credit and discounts.
Coverage requirements come from the Texas Department of Insurance. We refresh these figures when new rate data is released.
San Antonio Car Insurance FAQ
In our data, San Antonio drivers pay an average of about $218 a month ($2,612 a year) for full coverage and $78 a month ($939 a year) for the state minimum, based on the rates insurers had filed with state regulators as of August 31, 2026.
State Farm and Auto Club (AAA) are effectively tied for full coverage at about $190 and $196 a month. State Farm is cheapest for minimum coverage at about $68 a month. USAA is cheaper for eligible military families, at about $176 a month for full coverage.
Austin is cheaper in our data. Full coverage averages $2,426 a year in Austin and $2,612 in San Antonio for the same driver. Both are well below Houston’s $2,956.
78266 on the far Northeast Side has the lowest full-coverage average in our data at about $2,423 a year, and North Side ZIP codes such as 78257 and 78233 are close behind. West Side ZIP codes such as 78228 are the most expensive, at about $2,741.
Texas requires 30/60/25 liability: $30,000 per injured person, $60,000 per crash for injuries and $25,000 for property damage. PIP and uninsured/underinsured motorist coverage are included unless you reject them in writing.
For drivers who qualify, yes. USAA’s full-coverage average in our data is about $176 a month, compared with about $190 for State Farm. USAA is only available to military members, veterans and eligible family members.
