San Antonio, TX Car Insurance

Drivers in San Antonio pay around $64 a month for their car insurance. We cover plan rates, policies and more in our guide below.
Map of cities where drivers can find cheaper car insurance
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What rates should residents of San Antonio expect to pay for their car insurance? How does San Antonio compare to the surrounding area and the rest of Texas? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:

How much is car insurance in San Antonio?

Area Average Monthly Car Insurance Premium
San Antonio$64
TX$65
United States$81

Looking at the chart above, you can see that the average monthly price in San Antonio is in line with pricing for the rest of Texas.

Compared to the national average cost of auto insurance coverage, San Antonio has lower rates. You can expect to pay about $17 below the national average for auto insurance in San Antonio.

Bear in mind that while these rates are the average costs for residents of San Antonio, it doesn't mean that's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.

Don't sweat it however, we've broken down the average rate for San Antonio residents based on several different factors so that you can get a more accurate idea of what you might pay. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!


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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$212
18-24$103
25-34$61
35-44$56
45-54Not Enough Data
55-64$48
65+$51

It's pretty safe to assume that the older you are, the longer you've been driving. That experience pays off when it comes to auto insurance. As you can see, 18-24-year-olds pay two times the price that someone who is retirement aged.

You can expect to see your monthly premium drop every 10 years or so. As you get closer to retirement age, however, you may see your rates start to rise again in San Antonio.

Average Car Insurance Rates by Gender

Gender Average
Male$65
Female$63

Car insurance rates for men are usually slightly more expensive than they are for women. In San Antonio, although women do pay slightly less on their monthly insurance rates, the cost is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$77
Multiple Accidents$94
1 Ticket$75
Multiple Tickets$99

One of the key factors in determining your car insurance rates is your driving record. Those with fewer accidents and tickets will pay less than those with multiple infractions. Drivers in San Antonio with a single accident will pay around $77 a month. In addition, drivers with one ticket can expect to pay around $75 a month on average.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$66
2-3 Years$63
4-5 Years$68
6-7 Years$67
8-10 Years$67
11-14 Years$65
15 Years or Older$60

The most affordable vehicles to insure in San Antonio are typically trucks and vans, which run about $60 per month.

SUV drivers will see rates of about $63, while the rates for car owners average out to about $66 per month.

Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is around 5 years old. The most expensive vehicles to insure in San Antonio are vehicles four-to-five years old.

The age of your vehicle can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. Once your car is around 5 years old, however, you may see your bill start to shrink a bit. In San Antonio, however, the most expensive vehicles to insure are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$69
Married$54
Divorced$53
Widowed$52

Overall, people who are married will pay slightly less to insure their vehicle. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.

The cost of auto insurance in San Antonio reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $15 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$56
Rent$66
Live with parents$94

Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in San Antonio, expect to pay around $10 a month more than if you are a homeowner. But if you live with your parents, your rates will be significantly higher.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.

Car Insurance Companies in San Antonio, TX

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.

In San Antonio, car insurance rates increased from 2020-2021, before steadying out in 2022. Rates finished down in 2022, at $62 a month

How does San Antonio compare to neighboring areas?

Why are car insurance rates in San Antonio different from other areas?

When considering how much to charge for a monthly rate, car insurance companies will consider a lot of factors. While we already talked about the ones that affect your personal policy, others are based around your home address. These include things like:

  • Total number of drivers
  • Number of car accidents
  • Amount of off-street parking
  • Community regulations
  • Local crime rates

You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Get started with a guide like this to get familiar with the average rates of your area.

How can I find the cheapest car insurance in San Antonio?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Don't worry, Compare.com will handle the heavy lifting for you. Just punch in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies that offer auto coverage in San Antonio.


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San Antonio Insurance FAQs

What factors affect car insurance quotes in San Antonio?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your driving record, address, credit score, and marital status.

Why is the cost of car insurance in San Antonio different from other neighboring cities?

Crime rates, local laws, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

Which car insurance company will offer me the cheapest rate in San Antonio?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to San Antonio?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to San Antonio or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

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