How To get Cheap Car Insurance in San Antonio

San Antonio

Car insurance in Texas, and everywhere, is getting more expensive. Hurricanes, distracted driving, crowded roads and other factors are jacking up rates every year.

But here’s the good news: It’s not impossible to find good, cheap car insurance if you live in San Antonio! It’s super-possible, in fact, if you use to get a whole bunch of free quotes.

Buying Car Insurance in San Antonio

The law is clear: If you want to drive in San Antonio, or anywhere in Texas, you gotta have insurance. The minimum liability insurance required is 30/60/25, which means:

  • $30,000 in bodily injury liability per person and $60,000 per accident: Bodily injury liability pays for other people’s injuries caused by an accident you’re responsible for
  • $25,000 in property damage liability:This pays for damage to other people’s property — like their cars — caused by an accident you’re responsible for

This is the state minimum insurance, which will be the cheapest insurance you can find in San Antonio. But it’s not right for everyone. If you have some assets to protect from possible lawsuits, you’ll want more coverage. And if you have a newer car, you’ll need comprehensive and collision insurance.

When you use, we make it easy to compare different coverage levels: We call them State Minimum, Basic, Plus and Premium. Basic may be a good bet for drivers who want cheap insurance that includes comprehensive, collision and uninsured motorist coverage.

Finding Cheap Car Insurance in San Antonio

There’s no single company that offers everyone the cheapest car insurance. That’s because insurance is an extremely personalized product: the rate you get can depend on your age, gender, job, address, credit history, driving history, marital status…. Is it fair? No. But that’s how the insurance companies calculate risk.

This means that the best way to find the cheapest car insurance, if you live in San Antonio, is to compare personalized quotes on You may find that companies’ quotes differ by hundreds of dollars per month for the same level of coverage. Don’t believe us? Here’s the range of quotes we found for a few hypothetical San Antonio drivers, all for Basic insurance:

  • A 22-year-old single woman with a clean driving record: $117-$582 per month
  • A 22-year-old single man with a clean driving record: $138-$606 per month
  • A 27-year-old married woman with a recent speeding ticket: $109-$283 per month
  • A 27-year-old married man with a recent DWI conviction and license suspension: $180-$335 per month
  • A 32-year-old single woman with a with a clean driving record: $104-$326

San Antonio

These are just examples, of course; your quotes will be personalized for you. But you can see how much money you can save when you take the time to compare quotes for auto insurance.

Traffic and Driving in San Antonio

Like people everywhere, San Antonio residents complain about the traffic. However, it’s really not that bad! In Texas A&M University’s annual study of the most congested Texas roads, the very worst stretch of highway in San Antonio — the McAllister Freeway from Stone Oak Parkway to the Charles West Anderson Loop — ranks 23rd on the statewide list. Sure, the usual suspects all make it on the list, like IH 35 and IH 410, but overall, San Antonio traffic is nowhere near as crazy as it is in Houston, Austin and the DFW Metroplex.

Drunk driving is, unfortunately, a big problem in San Antonio. In 2016, it had the highest number of DUI crashes of any city in Texas: 1,845, compared to 1,492 in Houston — and Houston has 700,000 more people than San Antonio.

In general, however, San Antonio roads have been getting safer. Traffic fatalities decreased by 26 percent in 2017, compared to the year before, which bucks the overall trend in Texas. The city’s still working to improve safety and protect pedestrians, however. Culebra Road, Zarzamora Street and Fredericksburg Road are some of the most dangerous streets for pedestrian-auto crashes, according to the city’s Vision Zero initiative.

Driving into Mexico from San Antonio

San Antonio is just 150 miles from Mexico, and many San Antonio residents will make the trip to see friends and family, shop or sightsee. Some popular border towns include Piedras Negras, where nachos were invented, and Ciudad Acuña, where people come to go fishing on Lake Amistad and see ancient pictographs.

Just be aware that Mexico does not recognize U.S. auto liability policies, so you’ll need to buy insurance that works south of the border. If you are involved in a serious motor vehicle crash in Mexico, police may detain you — yes, that means put you in jail — until local authorities can determine who was at fault. Therefore, you should have Mexican auto insurance that includes both liability coverage and legal assistance.

For one-time or occasional trips, you can buy Mexico tourist auto insurance. Or, if you frequently travel to Mexico for work, pleasure or visiting family, call your insurance company. You may be able to purchase an endorsement (or get one for free) that covers certain trips across the border. If you plan to drive into Mexico (not just to a border town), you’ll also need a Mexico Vehicle Import Permit, which can be purchased online or at the border crossing.

While we don’t provide quotes for Mexican car insurance, can help you save a bunch of money on your U.S. car insurance! Try comparing quotes today to see your best rates.

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