The Cheapest Auto Insurance in San Antonio, Texas, in 2026
State Farm has the cheapest rates for state-minimum coverage in San Antonio, at $59 per month.
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Written byJennifer Brozic
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Jennifer BrozicInsurance Writer
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Edited byLequita Westbrooks
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Lequita WestbrooksSenior Editor
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Reviewed byMark Friedlander
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Mark FriedlanderSenior Director, Media Relations | Insurance Information Institute
Senior Director, Media Relations, with Triple-I
30+ years of industry experience
Leadership positions at several trade organizations
Updated
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Key Takeaways
State Farm offers the cheapest average car insurance in San Antonio, at $59 per month.
San Antonio drivers pay $127 per month for liability coverage, while full-coverage car insurance costs $219 per month.
GEICO, Commonwealth Casualty, and Hugo are our top picks for San Antonio car insurance.
Cheapest Car Insurance in San Antonio by Driver and Coverage Type
Car insurance rates in San Antonio can vary widely depending on where you live in the city and your unique driver profile. Local crash rates and traffic patterns, combined with factors like your age, driving history, and coverage choice, affect what you’ll pay for a policy.
Comparing rates for San Antonio drivers with similar profiles can help you understand what you’re likely to pay. The table below shows the cheapest insurers by driver and coverage type, based on Compare.com data.
Driver or Coverage Type  | Cheapest Insurer |
|---|---|
| State-minimum coverage | State Farm |
| Full coverage | State Farm |
| Teens | State Farm |
| Seniors | State Farm |
| Drivers with a speeding ticket | State Farm |
| Drivers with an at-fault accident | State Farm |
| Drivers with a DWI | State Farm |
| Drivers with excellent credit | State Farm |
| Drivers with poor credit | State Farm |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .
The Overall Cheapest Car Insurance in San Antonio
The average cost of car insurance in San Antonio may seem high, but you can find ways to get a lower rate. Let’s take a look at which companies offer the cheapest average rates in San Antonio.
The below rates in Texas are estimated rates current as of: Sunday, June 7 at 5:00 PM PDT.
Company | Average Monthly Premium |
|---|---|
| State Farm | $59 |
| Allstate | $82 |
| Mile Auto | $84 |
| Progressive | $85 |
| GEICO | $93 |
| USAA | $104 |
| Mercury | $114 |
| First Acceptance | $116 |
| The General | $120 |
| Alinsco | $123 |
| Lone Star | $125 |
| Commonwealth Casualty | $130 |
| GAINSCO | $130 |
| Nationwide | $131 |
| Clearcover | $133 |
| Bristol West | $134 |
| Dairyland | $135 |
| Covercube | $136 |
| Root | $136 |
| Mendota | $140 |
| AssuranceAmerica | $143 |
| Excepsure | $145 |
| Sun Coast | $146 |
| Safeco | $148 |
| Direct Auto | $152 |
| National General | $155 |
| Loop | $157 |
| Elephant | $160 |
| Chubb | $177 |
| Trexis One | $182 |
| 21st Century | $204 |
| Hugo | $208 |
| Insurify Car | $208 |
| Liberty Mutual | $244 |
| Foremost | $283 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on Sunday, June 7 at 5:00 PM PDT.
Estimated Cost: $186 per month
Category | Price |
|---|---|
| $78 | 3.8% |
| $96 | 5.3% |
| $115 | 7.0% |
| $134 | 7.9% |
| $152 | 7.9% |
| $171 | 8.4% |
| $189 | 7.6% |
| $208 | 7.5% |
| $227 | 6.8% |
| $245 | 5.8% |
| $264 | 5.5% |
| $282 | 4.8% |
| $301 | 4.0% |
| $320 | 3.7% |
| $338 | 3.1% |
| $357 | 2.8% |
| $376 | 2.4% |
| $394 | 2.0% |
| $413 | 1.9% |
| $431 | 1.6% |
40.3% of drivers like you pay less for car insurance. Compare quotes to save up to $1296 per year.
We sourced the figures you see here from Compare.com's database of more than 58 million real-life car insurance quotes. Actual rates may vary based on your unique driver profile.
Cheapest Liability Car Insurance in San Antonio: State Farm
State-minimum coverage is a bare-bones policy that meets Texas law requirements to drive legally but could leave you on the hook for out-of-pocket expenses if you’re in an accident. Increasing your policy limits will cost a little more but may be worth the added protection.
Under Texas law, liability insurance includes bodily injury liability and property damage liability coverage, which help pay for medical expenses and vehicle repairs in the event of an accident.
In San Antonio, liability coverage averages $127 per month. Let’s take a look at which companies offer the cheapest state-minimum car insurance in San Antonio.
The below rates in Texas are estimated rates current as of: Sunday, June 7 at 5:00 PM PDT.
Cheapest Liability Rates by Company
Company | Average Monthly Premium |
|---|---|
| State Farm | $59 |
| Allstate | $82 |
| Mile Auto | $84 |
| Progressive | $85 |
| GEICO | $93 |
| USAA | $104 |
| Mercury | $114 |
| First Acceptance | $116 |
| The General | $120 |
| Alinsco | $123 |
| Lone Star | $125 |
| Commonwealth Casualty | $130 |
| GAINSCO | $130 |
| Nationwide | $131 |
| Clearcover | $133 |
| Bristol West | $134 |
| Dairyland | $135 |
| Covercube | $136 |
| Root | $136 |
| Mendota | $140 |
| AssuranceAmerica | $143 |
| Excepsure | $145 |
| Sun Coast | $146 |
| Safeco | $148 |
| Direct Auto | $152 |
| National General | $155 |
| Loop | $157 |
| Elephant | $160 |
| Chubb | $177 |
| Trexis One | $182 |
| 21st Century | $204 |
| Hugo | $208 |
| Insurify Car | $208 |
| Liberty Mutual | $244 |
| Foremost | $283 |
How much car insurance is required in San Antonio?
Texas drivers must have bodily injury liability coverage of $30,000 per person and $60,000 per accident, according to the Texas Department of Insurance. Drivers must also maintain property damage liability coverage of $25,000 per accident to legally drive in Texas.[1]
Texas law requires insurers to offer personal injury protection (PIP), but you can reject it in writing. PIP helps covers your and your passengers’ medical bills, lost wages, and certain non-medical expenses after an accident.
Optional coverages — such as uninsured/underinsured motorist, collision insurance, and comprehensive coverage — can provide additional protection, but Texas doesn’t require them.
Cheapest Full-Coverage Car Insurance in San Antonio: State Farm
Full-coverage car insurance provides more protection than liability insurance — that’s why it costs more. It includes collision insurance and comprehensive coverage, which cover damage due to crashes, weather, theft, and many other non-collision incidents.
Keep in mind that lenders and leasing companies require additional coverage if you finance or lease your car. And even if you don’t, it’s probably a good idea to get full coverage if you can’t afford to repair or replace your vehicle out of pocket.
San Antonio drivers pay an average of $219 per month for full coverage.
The chart below outlines the five companies with the cheapest full-coverage rates in San Antonio. While these companies are generally a good place to start, they won’t necessarily be the cheapest options for every driver.
The below rates in Texas are estimated rates current as of: Sunday, June 7 at 5:00 PM PDT.
Cheapest Full-Coverage Rates by Company
Company | Average Monthly Premium |
|---|---|
| State Farm | $115 |
| Progressive | $149 |
| Allstate | $163 |
| Mile Auto | $185 |
| Mercury | $187 |
| GEICO | $199 |
| USAA | $204 |
| Safeco | $220 |
| Root | $225 |
| Clearcover | $233 |
| Direct Auto | $241 |
| Alinsco | $244 |
| Elephant | $247 |
| GAINSCO | $253 |
| Nationwide | $258 |
| National General | $260 |
| Bristol West | $262 |
| The General | $266 |
| AssuranceAmerica | $273 |
| Mendota | $274 |
| Sun Coast | $288 |
| Commonwealth Casualty | $289 |
| First Acceptance | $291 |
| Loop | $295 |
| Lone Star | $296 |
| Covercube | $312 |
| Dairyland | $327 |
| Chubb | $348 |
| Liberty Mutual | $356 |
| Trexis One | $370 |
| 21st Century | $403 |
| Foremost | $586 |
Cheapest Car Insurance for Teen Drivers: State Farm
Teens and young drivers have the most expensive car insurance rates because they’re the most likely age group to get into an accident.[2] But, as we said, those high rates won’t last forever. Rates generally drop significantly around age 25 and will typically remain low as you get older, as long as you don’t get any tickets or file claims.
Teen car insurance averages $338 per month in San Antonio for a standalone policy.
Let’s take a look at the cheapest companies for teen drivers in San Antonio, according to our research.
The below rates in Texas are estimated rates current as of: Sunday, June 7 at 5:00 PM PDT.
Cheapest Rates for Teens
Company | Average Monthly Premium |
|---|---|
| State Farm | $118 |
| Progressive | $166 |
| Allstate | $168 |
| GEICO | $174 |
| Mile Auto | $178 |
| USAA | $199 |
| Root | $215 |
| Mercury | $216 |
| The General | $224 |
| First Acceptance | $227 |
| Clearcover | $227 |
| GAINSCO | $239 |
| Alinsco | $240 |
| Lone Star | $244 |
| Dairyland | $244 |
| Bristol West | $246 |
| Commonwealth Casualty | $253 |
| Nationwide | $264 |
| Covercube | $266 |
| Mendota | $273 |
| Excepsure | $283 |
| Sun Coast | $285 |
| Elephant | $298 |
| AssuranceAmerica | $306 |
| Direct Auto | $306 |
| Loop | $307 |
| Safeco | $311 |
| National General | $320 |
| Trexis One | $356 |
| Chubb | $376 |
| 21st Century | $380 |
| Hugo | $398 |
| Insurify Car | $406 |
| Liberty Mutual | $444 |
Compare Real-Time Car Insurance Quotes in San Antonio, Texas
Rates in San Antonio start at $56 per month.
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Cheapest Car Insurance for Senior Drivers: State Farm
Older drivers typically have lower rates due to their decades of experience behind the wheel. And your rates may drop even more after retirement if you practice safe driving and drive less.
In San Antonio, the average senior driver pays around $147 per month for car insurance, according to our data. But savvy seniors can typically find a much better deal by shopping around.
Here are the five cheapest car insurance companies for seniors in San Antonio, according to Compare.com data.
The below rates in Texas are estimated rates current as of: Sunday, June 7 at 5:00 PM PDT.
Cheapest Rates for Seniors
Company | Average Monthly Premium |
|---|---|
| State Farm | $46 |
| Mile Auto | $65 |
| Allstate | $66 |
| Progressive | $72 |
| GEICO | $73 |
| USAA | $84 |
| Mercury | $90 |
| First Acceptance | $99 |
| Nationwide | $99 |
| The General | $102 |
| Commonwealth Casualty | $104 |
| Alinsco | $105 |
| Lone Star | $106 |
| GAINSCO | $110 |
| Bristol West | $111 |
| AssuranceAmerica | $111 |
| Dairyland | $114 |
| Covercube | $116 |
| Clearcover | $117 |
| Mendota | $119 |
| National General | $121 |
| Excepsure | $123 |
| Direct Auto | $124 |
| Root | $124 |
| Sun Coast | $124 |
| Safeco | $128 |
| Elephant | $130 |
| Chubb | $133 |
| Loop | $134 |
| Trexis One | $155 |
| 21st Century | $159 |
| Insurify Car | $177 |
| Hugo | $179 |
| Liberty Mutual | $201 |
The Cheapest Car Insurance for Drivers by Driving Record
Many factors affect your car insurance rates, but your driving record is probably the most important one.
At-fault accidents, tickets, and other infractions like driving while intoxicated (DWI) indicate you’re a high-risk driver — and insurance companies charge high-risk drivers more. Maintaining a clean driving record is one of the best ways to keep your premium affordable.
The table below shows how tickets, accidents, and DWIs affect average rates in San Antonio, according to Compare.com data.
The below rates in Texas are estimated rates current as of: Sunday, June 7 at 5:00 PM PDT.
Company | Average Monthly Premium |
|---|---|
| State Farm | $75 |
| Mile Auto | $102 |
| Progressive | $107 |
| Allstate | $107 |
| GEICO | $122 |
| USAA | $134 |
| First Acceptance | $145 |
| Alinsco | $154 |
| Commonwealth Casualty | $155 |
| GAINSCO | $156 |
| Lone Star | $157 |
| Mercury | $158 |
| The General | $161 |
| Root | $162 |
| Dairyland | $168 |
| Bristol West | $169 |
| Clearcover | $170 |
| Nationwide | $170 |
| Covercube | $171 |
| Mendota | $176 |
| Excepsure | $182 |
| AssuranceAmerica | $182 |
| Sun Coast | $183 |
| Direct Auto | $191 |
| Elephant | $193 |
| National General | $194 |
| Safeco | $195 |
| Loop | $197 |
| Chubb | $226 |
| Trexis One | $228 |
| Insurify Car | $261 |
| Hugo | $265 |
| 21st Century | $269 |
| Liberty Mutual | $311 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on Sunday, June 7 at 5:00 PM PDT.
The below rates in Texas are estimated rates current as of: Sunday, June 7 at 5:00 PM PDT.
Company | Average Monthly Premium |
|---|---|
| State Farm | $79 |
| Allstate | $111 |
| Progressive | $113 |
| Mile Auto | $114 |
| GEICO | $123 |
| USAA | $140 |
| First Acceptance | $154 |
| Alinsco | $164 |
| The General | $166 |
| Lone Star | $166 |
| GAINSCO | $167 |
| Mercury | $171 |
| Root | $172 |
| Commonwealth Casualty | $173 |
| Nationwide | $177 |
| Bristol West | $178 |
| Dairyland | $179 |
| Covercube | $181 |
| Mendota | $186 |
| Clearcover | $190 |
| AssuranceAmerica | $191 |
| Excepsure | $193 |
| Sun Coast | $194 |
| Safeco | $207 |
| National General | $207 |
| Direct Auto | $208 |
| Loop | $209 |
| Elephant | $210 |
| Chubb | $237 |
| Trexis One | $242 |
| Insurify Car | $277 |
| Hugo | $277 |
| 21st Century | $279 |
| Liberty Mutual | $325 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on Sunday, June 7 at 5:00 PM PDT.
The below rates in Texas are estimated rates current as of: Sunday, June 7 at 5:00 PM PDT.
Company | Average Monthly Premium |
|---|---|
| State Farm | $84 |
| Allstate | $116 |
| Progressive | $118 |
| Mile Auto | $119 |
| GEICO | $131 |
| USAA | $147 |
| First Acceptance | $161 |
| The General | $164 |
| Alinsco | $171 |
| Mercury | $172 |
| Lone Star | $173 |
| Commonwealth Casualty | $179 |
| Clearcover | $180 |
| GAINSCO | $184 |
| Nationwide | $185 |
| Covercube | $189 |
| Bristol West | $190 |
| Dairyland | $191 |
| Root | $193 |
| Mendota | $194 |
| Excepsure | $201 |
| AssuranceAmerica | $202 |
| Sun Coast | $203 |
| Direct Auto | $215 |
| Loop | $218 |
| National General | $219 |
| Safeco | $223 |
| Elephant | $227 |
| Chubb | $251 |
| Trexis One | $253 |
| 21st Century | $278 |
| Insurify Car | $289 |
| Hugo | $294 |
| Liberty Mutual | $345 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on Sunday, June 7 at 5:00 PM PDT.
Cheapest Car Insurance for Drivers by Credit
In Texas, many insurers use a credit-based insurance score to help predict how likely you are to file a claim, which can influence your car insurance rates. Texas allows this practice, meaning drivers with stronger credit-based insurance score often pay less.[3]
San Antonio drivers with excellent credit pay an average of $155 per month, while drivers with poor credit pay $216 per month.
Not all car insurance companies rely on credit, and many offer affordable rates regardless of your credit history. Below, we highlight the most affordable car insurance companies for San Antonio drivers with excellent and poor credit, according to Compare.com data.
The below rates in Texas are estimated rates current as of: Sunday, June 7 at 5:00 PM PDT.
Company | Average Monthly Premium |
|---|---|
| State Farm | $50 |
| Allstate | $72 |
| Mile Auto | $72 |
| Progressive | $76 |
| GEICO | $78 |
| USAA | $92 |
| Mercury | $98 |
| First Acceptance | $104 |
| The General | $106 |
| Alinsco | $110 |
| Lone Star | $112 |
| Commonwealth Casualty | $115 |
| GAINSCO | $115 |
| Nationwide | $116 |
| Dairyland | $120 |
| Bristol West | $120 |
| Covercube | $122 |
| Clearcover | $122 |
| Root | $123 |
| Mendota | $125 |
| AssuranceAmerica | $127 |
| Excepsure | $130 |
| Sun Coast | $131 |
| Safeco | $133 |
| Direct Auto | $135 |
| National General | $138 |
| Loop | $141 |
| Elephant | $144 |
| Chubb | $154 |
| Trexis One | $163 |
| Hugo | $184 |
| 21st Century | $184 |
| Insurify Car | $186 |
| Liberty Mutual | $202 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on Sunday, June 7 at 5:00 PM PDT.
The below rates in Texas are estimated rates current as of: Sunday, June 7 at 5:00 PM PDT.
Company | Average Monthly Premium |
|---|---|
| State Farm | $85 |
| Allstate | $101 |
| Mile Auto | $104 |
| Progressive | $106 |
| GEICO | $115 |
| USAA | $128 |
| Mercury | $139 |
| First Acceptance | $145 |
| The General | $148 |
| Alinsco | $154 |
| Lone Star | $156 |
| Commonwealth Casualty | $161 |
| GAINSCO | $161 |
| Nationwide | $162 |
| Clearcover | $164 |
| Bristol West | $166 |
| Dairyland | $167 |
| Root | $168 |
| Covercube | $170 |
| Mendota | $175 |
| AssuranceAmerica | $177 |
| Excepsure | $181 |
| Sun Coast | $183 |
| Safeco | $183 |
| Direct Auto | $188 |
| National General | $192 |
| Loop | $196 |
| Elephant | $198 |
| Trexis One | $228 |
| 21st Century | $252 |
| Hugo | $257 |
| Insurify Car | $260 |
| Chubb | $282 |
| Liberty Mutual | $292 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on Sunday, June 7 at 5:00 PM PDT.
How to Get the Cheapest Car Insurance in San Antonio
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If you’re looking for the lowest auto insurance rates, here are five tips to help you save.
Improve your credit. Paying your bills on time, reducing debt, and limiting the amount of available credit you use show financial responsibility and can lead to lower rates.
Raise your comprehensive and collision deductibles. Choosing a higher deductible — the amount you pay out of pocket before your insurance kicks in — can often lower rates.
Take a defensive driving class. Some insurance companies offer discounts to policyholders who take classes to improve their driving skills.
Practice safe driving. Speeding tickets, at-fault accidents, and other driving infractions increase rates. Maintaining a clean driving record is one of the best ways to get affordable coverage.
Shop around every few months. Insurance companies use proprietary formulas to calculate premiums. Regularly comparing car insurance quotes from multiple companies can ensure you get the best rates available.
Our Picks for the Best Auto Insurance in San Antonio
No single auto insurer can meet all drivers’ needs. Comparing coverage options, pricing, discount opportunities, and other features can help you find the best policy for your unique situation. Read on to learn about the best companies for several common driver types.
| User Reviews | 4.0 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.6 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $89/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $190/mo |
4.0
Best choice in TexasBased on 724 verified guest reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 3.9 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.6 | 2.9 |
How drivers feel about GEICO
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
AI-generated from the text of verified reviews collected by Compare.com
Showing recent national reviewsSee all 275 GEICO reviews
Verified Review
Reviewed in Florida on May 24, 2026
The company was very helpful and responsive when I had a claim, but they also canceled my policy as soon as my license was suspended.
Verified Review
Reviewed in Iowa on May 10, 2026
The price keeps increasing.
Verified Review
Reviewed in Colorado on May 7, 2026
Great price.
…
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
653
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
GEICO is a great option for San Antonians who value price above all. The company’s average rates are among the best in the city, regardless of the type of policy you need. And with a large national footprint and plenty of customizable coverage options, you’re sure to find the coverage you need at a competitive price.
Still, GEICO may not be the best option if you care about customer service or claims processing. The company scores below average in claims satisfaction, according to J.D. Power’s latest study.
Pros
Among the cheapest average rates in the city
Customizable policy options
Highly rated mobile app[4]
Cons
No local agents
Below average customer service and claims satisfaction ratings from J. D. Power
Doesn’t offer gap coverage
Commonwealth Casualty
Commonwealth Casualty’s team of local insurance agents and claims adjusters is available to help get you back on the road quickly after a mishap. The insurer processes total loss claims within 72 hours, according to its website. It also provides damage estimates within 24 hours if your car needs repairs.
The company offers standard and optional coverages that allow you to customize your policy to fit your needs. Plus, it specializes in high-risk drivers to ensure you get the coverage you need, regardless of your driving record.
Pros
Local agents and claim adjusters
Multiple add-on coverages
Online quotes and payments
Cons
Above-average number of customer complaints[5]
Limited auto insurance discounts
No online claims filing
| User Reviews | 4.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 3.1 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $199/mo |
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
-1
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Why we picked this company
Hugo is a relatively new Insurtech company founded in 2016. It offers pay-as-you-go insurance that lets you purchase coverage for as little as three days or as much as six months at a time.
The company doesn’t charge down payments or up-front fees, and micropayments make budgeting simple. You can even withdraw unused funds from your Hugo account if you’re in a pinch. Hugo even lets you cancel or purchase additional coverage at any time.
Pros
No up-front fees
Purchase coverage for as little as three days
Ability to withdraw unused premium
Cons
Only available in 16 states
Limited policy customization options
Doesn’t file SR-22 forms
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San Antonio Auto Insurance FAQs
If you have more questions about buying car insurance in San Antonio, here are answers to some of the most commonly asked questions.
The overall average auto insurance rate in San Antonio is $173 per month, according to our data. That breaks down to $127 per month for basic liability coverage and $219 per month for full coverage.
State Farm has the city’s lowest average car insurance rates, at just $59 per month, according to Compare.com data.
The best company in San Antonio depends on your auto insurance needs. That said, our research shows that GEICO, Commonwealth Casualty, and Hugo are some of the best companies for San Antonio drivers.
San Antonio car insurance can be expensive due to factors like your driving history, ZIP code, credit record, and coverage choices. Drivers pay an average of $173 per month in San Antonio. That’s higher than both the statewide and national average of $165 per month and $140 per month, respectively.
It depends. While buying San Antonio’s minimum required coverage meets legal requirements, it only pays for injuries and property damage you cause to others — not your own damages or medical expenses. If you cause a serious accident and costs exceed Texas’ 30/60/25 liability limits, you could be responsible for paying the remaining expenses out of pocket.
Insurance professionals typically recommend drivers carry 100/300/100 levels of liability coverage for greater financial protection from at-fault accidents
Sources
Methodology
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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The Complete Guide to Non-Owner Car Insurance in Texas
Non-owner car insurance may be a good option if you’re a Texas driver who doesn’t own a car but regularly borrows someone else’s or needs an SR-22.
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Texas Car Insurance Requirements: What You Should Know
Texas drivers must have a minimum 30/60/25 liability policy to drive in the state legally. Learn more about Texas car insurance laws here.
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Is Car Insurance Cheaper in California or Texas?
On average, Texas has cheaper car insurance than California. Find out why rates differ and each state’s cheapest insurance companies.
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Complete Guide to Cheap SR-22 Insurance in Texas (June 2026 Rates)
State Farm offers the cheapest rates for Texas drivers who need an SR-22. You need to maintain a valid SR-22 for two years.
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How Much Is Car Insurance in Texas in 2026?
Texas drivers pay an average of $165 per month for car insurance, but your rates could differ significantly based on your insurance company and driver profile.
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The Complete Guide to Texas Rideshare Insurance in 2026
Buying rideshare insurance in Texas can give you more protection than Uber and Lyft provide. Find out how rideshare insurance works and how much it costs in Texas.
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The Cheapest Car Insurance in Texas in 2026
The average Texas driver pays $165 per month for car insurance, but State Farm offers the cheapest rates in the state, at just $56 per month.
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How to Shop for Car Insurance in 7 Easy Steps
Your budget and coverage needs are two of the biggest factors when shopping for car insurance. Learn what you need to get a quote and common mistakes to avoid.
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The Complete Guide to Car Insurance in Arlington, Texas
Car insurance premiums in Arlington, Texas, are higher than the national average, with liability coverage starting as low as $58 per month. State Farm, Allstate, Mile Auto currently offer the lowest premiums.
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The Complete Guide to Car Insurance in Plano, Texas
Drivers in Plano, Texas, can find the cheapest car insurance rates from several insurers, including State Farm. Find out which other insurers top our list.
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The Cheapest Auto Insurance Companies in Houston, Texas, in 2026
State Farm offers the lowest average price for state-minimum coverage in Houston at $75 per month.
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The Cheapest Auto Insurance Companies in Austin, Texas in 2026
Austin’s cheapest auto insurance company is State Farm, with an average monthly rate of $58.
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The Cheapest Auto Insurance in Lubbock, TX, in 2026
Lubbock drivers pay an average of $154 per month for car insurance, but companies like State Farm may offer much cheaper rates. Read on to see which auto insurer offers the best rates.
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The Cheapest Auto Insurance Companies in Dallas, Texas, in 2026
State Farm has the cheapest car insurance rates in Dallas, averaging $63 per month.
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The Complete Guide to Car Insurance in Killeen, Texas
State Farm, Allstate, and Mile Auto currently offer the lowest monthly premiums in Killeen. Here’s how Killeen drivers can find affordable car insurance.
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The Cheapest Auto Insurance Companies in Midland, Texas, in 2026
State Farm offers the lowest car insurance rates in Midland. But your exact costs will depend on several personal factors.
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The Cheapest Auto Insurance in Fort Worth, Texas, in 2026
Fort Worth drivers pay an average of $118 per month for liability insurance and $209 for full coverage. Read on to find some of the cheapest insurers in the city.
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The Cheapest Auto Insurance Companies in Brownsville, Texas, in 2026
State Farm has the cheapest car insurance rates in Brownsville, at $57 per month. Your personal rates will vary based on factors like your age, driving record, and coverage needs.
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The Cheapest Auto Insurance in Corpus Christi, TX in 2026
Rates for liability coverage cost an average of $130 per month in Corpus Christi, but several factors affect what you pay.
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The Cheapest Auto Insurance in El Paso, Texas, in 2026
State Farm offers the lowest average monthly car insurance rate in El Paso, Texas, at around $49 per month.
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The Complete Guide to Car Insurance in Galveston, Texas
Car insurance premiums in Galveston, Texas, are lower than the national average, with liability policies starting as low as $57 per month. State Farm currently offers the lowest monthly premiums in Galveston.
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The Cheapest Auto Insurance Companies in Laredo, Texas, in 2026
Laredo drivers can find some of the best car insurance rates with companies like State Farm, Nationwide, and Mile Auto. Explore the cheapest companies and save on coverage.
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The Complete Guide to Car Insurance in Garland, Texas
State Farm and Allstate are among the cheapest car insurance companies in Garland, Texas. See which other insurers top our list.
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Duncanville, TX Car Insurance
The average monthly cost for car insurance in Duncanville is about $64. To learn more about policy rates and coverage in the Duncanville area, continue reading our guide below.
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Southlake, TX Car Insurance
On average, drivers in Southlake pay around $60 per month for their car insurance. To learn more about what you're likely to pay in the Southlake area, read our guide below.
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Keller, TX Car Insurance
Drivers in Keller pay, on average, $69 a month for their car insurance. To learn more about car insurance rates in the Keller area, read our guide below.
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Commerce, TX Car Insurance
The average monthly cost for car insurance in Commerce is about $65. Check out our guide below to find out how much you'll pay.
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The Cheapest Auto Insurance Companies in Abilene, Texas, in 2026
State Farm offers the cheapest auto insurance rates in Abilene, Texas, but your personal rates may vary depending on your age, driving history, vehicle, coverage, and other factors.
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Waxahachie, TX Car Insurance
On average, Waxahachie drivers pay a monthly average rate of around $63 for their car insurance. Learn more in our handy guide below.
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Sugar Land, TX Car Insurance
Drivers in Sugar Land pay, on average, $72 a month for their car insurance. To find out more check out our guide below.
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Balch Springs, TX Car Insurance
The average monthly cost for car insurance in Balch Springs is about $70. Check out our guide below to find out how much you'll pay.
Burleson, TX Car Insurance
Drivers in Burleson pay around $65 a month for their car insurance. To learn more about policy rates and coverage in the Burleson area, continue reading our guide below.
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Greenville, TX Car Insurance
On average, drivers in Greenville pay around $56 per month for their car insurance. For information on policy rates, coverage, and more check out our guide below.
Mission, TX Car Insurance
The average monthly cost for car insurance in Mission is about $64. Learn more in our handy guide below.
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Katy, TX Car Insurance
The average cost for car insurance in Katy is about $79 a month. Learn more in our handy guide below.
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Corsicana, TX Car Insurance
The average cost for car insurance in Corsicana is about $56 a month. For information on policy rates, coverage, and more check out our guide below.
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Georgetown, TX Car Insurance
On average, Georgetown drivers pay around $56 a month for their car insurance. Read our guide below to learn more about your specific rates.
Cleburne, TX Car Insurance
Cleburne drivers pay, on average, around $57 a month for their car insurance. To find out more check out our guide below.
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The Cheapest Auto Insurance Companies in McAllen, Texas, in 2026
State Farm offers the lowest car insurance rates in McAllen. But your personal rates may vary based on factors like your coverage levels and driving history.
Cedar Park, TX Car Insurance
The average monthly cost for car insurance in Cedar Park is about $60. Learn more in our handy guide below.
San Juan, TX Car Insurance
Drivers in San Juan pay, on average, $63 a month for their car insurance. For more information refer to our guide below.
Coppell, TX Car Insurance
The average cost for car insurance in Coppell is about $65 a month. To learn more about car insurance rates in the Coppell area, read our guide below.
Pearland, TX Car Insurance
Drivers in Pearland pay around $69 a month for their car insurance. We cover plan rates, policies and more in our guide below.
Grand Prairie, TX Car Insurance
On average, drivers in Grand Prairie pay around $70 per month for their car insurance. To find out more check out our guide below.
Baytown, TX Car Insurance
Drivers in Baytown pay around $73 a month for their car insurance. Read our guide below to learn more about your specific rates.
Fresno, TX Car Insurance
Fresno drivers pay, on average, around $83 a month for their car insurance. Read our guide below to learn more about your specific rates.
New Braunfels, TX Car Insurance
The average cost for car insurance in New Braunfels is about $57 a month. To find out more check out our guide below.
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The Cheapest Auto Insurance Companies in Amarillo, Texas, in 2026
State Farm has the cheapest car insurance in Amarillo, Texas, according to Compare.com data. But the cheapest company for you may differ, as personal factors like your age, driving record, and claims history contribute to your rate.
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Pflugerville, TX Car Insurance
The average cost for car insurance in Pflugerville is about $73 a month. To learn more about policy rates and coverage in the Pflugerville area, continue reading our guide below.
Texarkana, TX Car Insurance
The average monthly cost for car insurance in Texarkana is about $51. Read our guide below to learn more about your specific rates.
Grapevine, TX Car Insurance
Drivers in Grapevine pay, on average, $60 a month for their car insurance. Check out our guide below to find out how much you'll pay.
Round Rock, TX Car Insurance
On average, drivers in Round Rock pay around $61 per month for their car insurance. We cover plan rates, policies and more in our guide below.
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Cleveland, TX Car Insurance
The average monthly cost for car insurance in Cleveland is about $68. Learn more in our handy guide below.
McKinney, TX Car Insurance
On average, Mckinney drivers pay a monthly average rate of around $67 for their car insurance. Learn more in our handy guide below.
Lufkin, TX Car Insurance
Lufkin drivers pay, on average, around $63 a month for their car insurance. For more information refer to our guide below.
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The Cheapest Auto Insurance Companies in Denton, TX, in 2026
State Farm has the cheapest car insurance in Denton, Texas, averaging $54 per month, according to Compare.com data. But personal factors, like your age and driving record, determine which company offers the best rates for your coverage needs.
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Frisco, TX Car Insurance
Residents of Frisco pay around $66 monthly for their car insurance coverage. To learn more about what you're likely to pay in the Frisco area, read our guide below.
Harlingen, TX Car Insurance
On average, drivers in Harlingen pay around $58 per month for their car insurance. To learn more about what you're likely to pay in the Harlingen area, read our guide below.
Temple, TX Car Insurance
Temple drivers pay, on average, around $49 a month for their car insurance. Read our guide below to learn more about your specific rates.
League City, TX Car Insurance
Residents of League City pay around $72 monthly for their car insurance coverage. To learn more about car insurance rates in the League City area, read our guide below.
College Station, TX Car Insurance
College Station drivers pay, on average, around $62 a month for their car insurance. To learn more about what you're likely to pay in the College Station area, read our guide below.
Conroe, TX Car Insurance
The average cost for car insurance in Conroe is about $66 a month. To learn more about policy rates and coverage in the Conroe area, continue reading our guide below.
Lewisville, TX Car Insurance
Lewisville drivers pay, on average, around $63 a month for their car insurance. Check out our guide below to find out how much you'll pay.
Montgomery, TX Car Insurance
On average, Montgomery drivers pay a monthly average rate of around $62 for their car insurance. For more information refer to our guide below.
Mansfield, TX Car Insurance
On average, Mansfield drivers pay a monthly average rate of around $69 for their car insurance. To find out more check out our guide below.
Rowlett, TX Car Insurance
Rowlett drivers pay, on average, around $72 a month for their car insurance. Learn more in our handy guide below.
Victoria, TX Car Insurance
Victoria drivers pay, on average, around $58 a month for their car insurance. We cover plan rates, policies and more in our guide below.
Forney, TX Car Insurance
The average monthly cost for car insurance in Forney is about $77. Check out our guide below to find out how much you'll pay.
Bryan, TX Car Insurance
On average, Bryan drivers pay around $55 a month for their car insurance. Check out our guide below to find out how much you'll pay.
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The Cheapest Auto Insurance Companies in Huntsville, Texas, in 2026
If you want the cheapest car insurance in Huntsville, State Farm offers the most affordable rates in town.
Jacksonville, TX Car Insurance
The average monthly cost for car insurance in Jacksonville is about $52. To find out more check out our guide below.
Rockwall, TX Car Insurance
On average, Rockwall drivers pay a monthly average rate of around $72 for their car insurance. To learn more about car insurance rates in the Rockwall area, read our guide below.
Lancaster, TX Car Insurance
Drivers in Lancaster pay, on average, $69 a month for their car insurance. To learn more about car insurance rates in the Lancaster area, read our guide below.
Friendswood, TX Car Insurance
On average, Friendswood drivers pay around $68 a month for their car insurance. For information on policy rates, coverage, and more check out our guide below.
La Porte, TX Car Insurance
On average, La Porte drivers pay a monthly average rate of around $75 for their car insurance. To find out more check out our guide below.
Nacogdoches, TX Car Insurance
Residents of Nacogdoches pay around $57 monthly for their car insurance coverage. To learn more about what you're likely to pay in the Nacogdoches area, read our guide below.
Humble, TX Car Insurance
On average, drivers in Humble pay around $82 per month for their car insurance. For more information refer to our guide below.
Haltom City, TX Car Insurance
On average, drivers in Haltom City pay around $62 per month for their car insurance. To learn more about what you're likely to pay in the Haltom City area, read our guide below.
Big Spring, TX Car Insurance
The average monthly cost for car insurance in Big Spring is about $43. To learn more about car insurance rates in the Big Spring area, read our guide below.
Leander, TX Car Insurance
Drivers in Leander pay around $62 a month for their car insurance. Read our guide below to learn more about your specific rates.
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What's the Cost Of Owning a Car in Texas?
Car price isn't the only cost. Gas is cheap, but insurance can be expensive, so how much does it really cost to own a car in Texas?
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Learn more about us, our team, and what makes us tick.
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Jennifer BrozicInsurance Writer
Lequita WestbrooksSenior Editor
Mark FriedlanderSenior Director, Media Relations | Insurance Information Institute
Senior Director, Media Relations, with Triple-I
30+ years of industry experience
Leadership positions at several trade organizations