Cheapest Car Insurance in San Antonio, TX

state farm has the cheapest minimum coverage car policy in San Antonio for most drivers. At $ 637 per year, State Farm ‘s average rate is 32 % cheaper than the city average, which is $ 934 per year .
car policy rates are slenderly higher in San Antonio than in Texas as a hale. The statewide average is $ 926 per class for minimum coverage, while residents of San Antonio pay $ 934 per year. To avoid overpay, it ‘s crucial for San Antonio drivers to shop about. We found that Allstate, the most expensive insurance company, charges more than double what State farm does for the same coverage .

Which company has the cheapest auto insurance in San Antonio?

State Farm and Fred Loya have the most low-cost rates for minimum coverage in San Antonio. These insurers charge 32 % and 23 % less than the city median, respectively. If you are a current or former extremity of the armed forces, however, you could get evening cheaper coverage from USAA. Rates from this party average $ 510 per year, making it the cheapest insurance company overall.

This graph identifies and ranks the companies in San Antonio, Texas with the best rates for insuring our sample drivers' cars

Find Cheap Auto Insurance Quotes in San Antonio, TX

presently insured ? many drivers select minimum coverage because of its affordability. however, it may not provide sufficient coverage in the event of an accident. The state-mandated coverages in Texas are :
In other words, if you want protection for your own car, you’ll need to purchase a full coverage policy. ValuePenguin by and large recommends broad coverage to most drivers but particularly to those who drive a modern car or a high-value car .

Which company offers San Antonio’s cheapest full coverage policy?

Fred Loya, State Farm and Geico offer San Antonio residents the best rates for full coverage. together, these three insurers charge $ 1,624 per year for entire coverage, which is 51 % cheaper than the city average of $ 2,462 .

Rank

Insurance company

Average premium

1 Fred Loya $1,196
2 State Farm $1,367
3 Geico $2,309
4 Nationwide $2,487
5 Chubb $2,688
6 Dairyland $3,697
7 Allstate $4,592
N/A* USAA $1,363

The average annual difference in cost between minimal coverage and full coverage in San Antonio is $ 1,528, or approximately $ 127 per calendar month .
Unlike minimal coverage policies, full coverage policies include collision and comprehensive coverage. together, these two coverages make certain your own car is protected, albeit under different kinds of circumstances .

  • Collision coverage: Protects you when you crash your car into another vehicle or a fixed object like a tree or lamppost. It also protects you when you drive your car into a ditch, your car flips over or you are involved in a hit-and-run and don’t have uninsured motorist coverage.
  • Comprehensive coverage: Protects you against “acts of God” or events that are out of your control. This includes natural disasters, theft and explosions.

Cheap car insurance for drivers with prior incidents

If you have some kind of driving incidental on your record, your indemnity ship’s company will likely view this as a bless that you ‘re a bad driver and charge you more expensive rates. To help San Antonio drivers with incidents on their read find low-cost coverage, we found the cheapest insurance for drivers who have :

Cheapest car insurance for drivers with prior accidents: Fred Loya

The most low-cost full coverage policies for drivers who have been involved in an at-fault accident come from Fred Loya, State Farm and Geico. Loya charges San Antonio drivers $ 2,186 less than the state average, State Farm charges $ 2,061 less and Geico charges $ 87 less. We recommend comparing quotes every time your driving record changes. Insurers take different approaches to driving incidents, with some companies penalizing drivers more powerfully than others. Allstate, for example, raises rates by $ 2,772 after an accident, while State Farm merely raises them by $ 292 .

Rank

Company

Rate after accident

1 Fred Loya $1,488
2 State Farm $1,613
3 Geico $3,587
4 Nationwide $3,834
5 Chubb $4,585
6 Dairyland $4,869
7 Allstate $7,364
N/A* USAA $2,050

While there ‘s about no avoiding an increase in rates after an accident, ask your insurance company if there are any extra discounts you may be eligible for. If you take steps like enrolling in a defensive drive class or adding certain safety features to your cable car, you can secure lower rates .

Cheapest car insurance for people with a speeding ticket: Fred Loya

For San Antonio drivers, rates increase by 49 % after a travel rapidly slate. This makes it the least-costly incident in our study. Rates increase by 95 % after an at-fault accident and 62 % after a quotation for driving under the influence ( DUI ) .
San Antonio residents seeking low-cost coverage after getting caught speeding on the roads should begin their search with Fred Loya. Full coverage from Loya for drivers with a accelerate ticket costs just $ 1,196 per year, which makes it 56 % more low-cost than the city average .

Rank

Company

Annual rate

1 Fred Loya $1,196
2 State Farm $1,367
3 Chubb $2,688
4 Geico $2,797
5 Nationwide $2,993
6 Dairyland $4,364
7 Allstate $4,592
N/A* USAA $1,540

Cheapest car insurance for drivers with a DUI: Progressive

cable car policy costs $ 1,532 more per year, or around $ 128 more per calendar month, for San Antonio drivers who have received a citation for driving under the determine. additionally, DUI citations by and large stay on your record longer than accidents or speeding tickets, so they will have a bigger impingement on your rates over time .
Fred Loya offers San Antonio drivers the most low-cost average rate, at $ 2,047 per class for full coverage, though State Farm comes in as a close second, at $ 2,098 per year. If you ‘re looking for brassy coverage, start with these two companies .

Rank

Company

Annual rate

1 Fred Loya $2,047
2 State Farm $2,098
3 Dairyland $3,713
4 Geico $4,066
5 Nationwide $4,889
6 Chubb $5,819
7 Allstate $7,280
N/A* USAA $2,061

Cheapest car insurance for drivers with poor credit

If you have a abject accredit score, you ‘ll pay more in San Antonio for car indemnity than a driver with a eminent credit rating sexual conquest. This is because insurers see a humble credit score as a sign that you may not be able to make your indemnity payments, so insurers raise your rates to account for that risk. A sample San Antonio driver with a broken credit score was charged $ 2,920 per year on average, while one with a very good credit sexual conquest was charged only $ 1,708 per class on average .
Fred Loya has the cheapest rates for San Antonio drivers with poor credit. full coverage costs $ 1,196 per year, making it 59 % cheaper than the city average.

Rank

Company

Average annual rate

1 Loya $1,196
2 State Farm $2,112
3 Nationwide $2,816
4 Geico $3,272
5 Chubb $3,505
6 Dairyland $4,192
7 Allstate $4,194
N/A* USAA $2,072

Cheapest full coverage insurance for San Antonio’s young drivers

Young San Antonio drivers looking to find an low-cost full moon coverage policy for themselves should start their search with Fred Loya. The average annual premium for a sample 18-year-old driver was $ 3,485 from Loya, making it 42 % cheaper than the city average. Age is barely a number to some people — but not to indemnity companies. unseasoned drivers are more likely to be involved in an accident than middle-aged drivers. As a leave, young and inexperienced drivers will be quoted at higher rates than their older counterparts. The insurers in our study charged a 30-year-old driver $ 2,462 per class, but they charged an 18-year-old driver $ 6,079 per class — a whopping 147 % increase .

Rank

Insurance company

Average rate

1 Fred Loya $3,485
2 State Farm $4,180
3 Geico $4,920
4 Chubb $7,127
5 Dairyland $8,453
6 Allstate $8,721
7 Nationwide $9,255
N/A USAA $2,489

indemnity rates can be unaffordable for the average young person, but there are a few ways to save money on car policy :

  • Ask about discounts. Many insurers offer discounts for installing security devices in your car, getting good grades as a student and being a safe driver, among other things. These discounts can add up to hundreds or even thousands in savings.
  • Combine policies with your parents. Ask your parents about the possibility of getting a combined or multicar policy under their insurer. Their annual rates will definitely go up, but it’ll be cheaper than two separate policies.
  • Contact multiple insurers. As you can see from the table above, the difference between the cheapest and most expensive insurers can be over $7,000. To make sure you’re getting a good deal, we recommend comparing quotes from at least three insurers.

{ “ backgroundColor ” : ” ice ”, ” subject ” : ” \u003C\/p\u003E\n\n\u003Cp\u003EInsurance rates can be unaffordable for the average unseasoned person, but there are a few ways to save money on car policy : \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\ ” ShortcodeList — ancestor \ ” \u003E\n\n \u003Cdiv class=\ ” ShortcodeList — content\ ” \u003E\n \u003Cdiv class=\ ” ShortcodeList — column\ ” \u003E\n \u003Cul class=\ ” ListUnordered — root ListUnordered — bullet\ ” \u003E\n \u003Cli class=\ ” ListUnordered — list-item\ ” \u003E\n \u003Cstrong\u003EAsk about discounts.\u003C\/strong\u003E many insurers offer discounts for installing security devices in your car, getting good grades as a scholar and being a safe driver, among early things. These discounts can add up to hundreds or even thousands in savings.\n \u003C\/li\u003E\n \u003Cli class=\ ” ListUnordered — list-item\ ” \u003E\n \u003Cstrong\u003ECombine policies with your parents.\u003C\/strong\u003E Ask your parents about the possibility of getting a combined or multicar policy under their insurance company. Their annual rates will decidedly go up, but it\u2019ll be cheaper than two separate policies.\n \u003C\/li\u003E\n \u003Cli class=\ ” ListUnordered — list-item\ ” \u003E\n \u003Cstrong\u003EContact multiple insurers.\u003C\/strong\u003E As you can see from the table above, the dispute between the cheapest and most expensive insurers can be over $ 7,000. To make sure you ‘re getting a good distribute, we recommend comparing quotes from at least three insurers.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n ”, ” padding ” : ” double ” }

Best car insurance company in San Antonio, by customer service

Great servicing can go a farseeing way. Everyone likes low-cost indemnity, but poor service, long delay times or a disorganize claims action can make low rates not worth it .
ValuePenguin surveyed customers of major insurance companies about their satisfaction with their most holocene claim experience. Of the insurers in this discipline, USAA, Nationwide and State Farm had the highest percentage of customers who said they were “ extremely satisfied ” with their most late claim experience. To learn more about the customer serve reputations of the insurers in this sketch, check out our analysis of the best car indemnity companies in Texas .

Average cost of car insurance, by ZIP code

Each vicinity and area of San Antonio has a different crime rate, concentration and accident rate. As a result, prices can vary depending on what ZIP code you live in. For example, residents of the ZIP code 78238 pay an average of $ 373 more per year for wax coverage than residents of ZIP code 78266 .

ZIP code

Annual rate – full coverage

Annual rate – minimum coverage

78023 $2,647 $984
78109 $2,635 $975
78112 $2,749 $1,019
78201 $2,880 $1,100
78202 $2,868 $1,092

Show All Rows

Auto theft statistics in San Antonio

Of the most populous cities in Texas, San Antonio has the third-highest rate of car larceny. For every 1,000 residents, approximately 5 cars are stolen per year, according to our analysis of 2019 FBI crime data .

Theft rank

City

Population

Motor vehicle thefts in 2019

Thefts per 1,000 people

1 Dallas 1,363,295 10,257 7.5
2 Houston 2,355,606 13,098 5.6
3 San Antonio 1,559,166 7,781 5.0
4 Lubbock 259,208 1,225 4.7
5 Fort Worth 915,237 3,335 3.6

Show All Rows

Minimum auto insurance requirements in Texas

Every country has a minimal car indemnity coverage necessity that drivers must follow to be able to legally drive. Every Texas car owner is required to follow the state limits of 30/60/25 .

  • $30,000 of bodily injury liability per person
  • $60,000 of bodily injury liability per accident
  • $25,000 of property damage liability

This is the lowest measure of coverage every San Antonio driver is required to have, but it doesn ’ thymine mean that this is the best coverage for your background and needs. auxiliary coverages can be a worthwhile investing for drivers with new or expensive cars. If you get into an accident and don ’ t have sufficient protection, you could be on the hook for more than you can pay .
{ “ backgroundColor ” : ” butter ”, ” capacity ” : ” \u003C\/p\u003E\n\n\u003Ch2 id=\ ” requirements\ ” \u003EMinimum car indemnity requirements in Texas\u003C\/h2\u003E\n\n\u003Cp\u003EEvery state of matter has a \u003Cspan\u003E\u003Ca class=\ ” ShortcodeLink — root ShortcodeLink — black\ ” title=\ ” Auto Insurance Requirements in Texas\ ” href=\ ” hypertext transfer protocol : \/\/www.valuepenguin.com\/auto-insurance\/texas\/requirements\ ” \u003Eminimum car policy coverage requirement\u003C\/a\u003E\u003C\/span\u003E that drivers must follow to be able to legally drive. Every Texas car owner is required to follow the state limits of 30\/60\/25.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\ ” ShortcodeList — root \ ” \u003E\n\n \u003Cdiv class=\ ” ShortcodeList — message ShortcodeList — content-margin\ ” \u003E\n \u003Cdiv class=\ ” ShortcodeList — column\ ” \u003E\n \u003Cul class=\ ” ListUnordered — rout ListUnordered — bullet\ ” \u003E\n \u003Cli class=\ ” ListUnordered — list-item\ ” \u003E\n $ 30,000 of bodily injury indebtedness per person\n \u003C\/li\u003E\n \u003Cli class=\ ” ListUnordered — list-item\ ” \u003E\n $ 60,000 of bodily wound liability per accident\n \u003C\/li\u003E\n \u003Cli class=\ ” ListUnordered — list-item\ ” \u003E\n $ 25,000 of property damage liability\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003EThis is the lowest measure of coverage every San Antonio driver is required to have, but it doesn\u2019t think of that this is the best coverage for your backdrop and needs. auxiliary coverages can be a worthwhile investment for drivers with new or expensive cars. If you get into an accident and don\u2019t have sufficient protection, you could be on the overcharge for more than you can pay.\u003C\/p\u003E\n\n\u003Cp\u003E ”, ” padding ” : ” double ” }

Methodology

Our psychoanalysis used a sample male driver who owns a 2015 Honda Civic EX and has an median accredit mark. Unless differently stated, our driver was looking for a fully coverage policy with the following limits :

Bodily injury liability

$50,000 per person/$100,000 per accident

Personal injury protection $10,000
Property damage liability $25,000 per accident
Uninsured/underinsured motorist bodily injury $50,000 per person/$100,000 per accident
Comprehensive and collision $500 deductible

ValuePenguin ‘s analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for relative purposes only — your own quotes may be different .
Source :

Leave a Reply

Your email address will not be published.