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Yuanshuai Si/Getty Images June 01, 2022 Mandy Sleight has been a licensed insurance agent since 2005. She has three years of experience writing for insurance websites such as Bankrate, MoneyGeek and The Simple Dollar. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products. Maggie Kempken is an insurance editor for Bankrate. She helps manage the creation of insurance content that meets the highest quality standards for accuracy and clarity to help Bankrate readers navigate complex information about home, auto and life insurance. She also focuses on ensuring that Bankrate’s insurance content represents and adheres to the Bankrate brand. Bankrate logo The Bankrate promise
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation of how we make money. Our content is backed by LLC, a licensed entity (NPN: 19966249). For more information, please see our Insurance Disclosure. Bankrate logo The Bankrate promise
Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We’ve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next. Bankrate follows a strict , so you can trust that we’re putting your interests first. All of our content is authored by and edited by , who ensure everything we publish is objective, accurate and trustworthy. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel confident about which provider is right for you. We guide you throughout your search and help you understand your coverage options. We provide up-to-date, reliable market information to help you make confident decisions. We reduce industry jargon so you get the clearest form of information possible. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we’re putting accuracy first. Bankrate logo Editorial integrity
Bankrate follows a strict , so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. Key Principles
We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers. Editorial Independence
Bankrate’s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information. Bankrate logo How we make money
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Bankrate follows a strict , so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Bankrate logo Insurance Disclosure
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. The company with the cheapest car insurance in San Antonio is State Farm, according to Bankrate’s 2022 study of quoted annual premiums. The average cost of car insurance in San Antonio for full coverage is $1,857 per year, which is about $155 per month. For minimum coverage, the average annual minimum coverage premium is $573. Compare rates and save on auto insurance today! Get quotes Close X RatesRates keep going up in 2022. Compare rates and save on auto insurance today! Get quotes Close X This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto insurance with quotes from trusted providers like: Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More RATE INCREASE ALERT Rates increased up to 12% this year
Shop for a better rate before you renew your current policy. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto insurance with quotes from trusted providers like: Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More Although offers the cheapest rates, insurance experts usually recommend buying enough coverage to help you avoid paying massive out-of-pocket costs if you cause an accident. Auto insurance coverage, especially , protects you financially if you cause injuries or property damage in an accident. With minimum coverage, the coverage limits are fairly low, and there’s a good chance you’ll have to pay for some of the damages yourself if you cause a serious accident. Minimum coverage also does not cover damages to your own vehicle or any injuries you might sustain in an at-fault accident. Best car insurance companies in San Antonio
The best, in San Antonio are State Farm, Geico, Mercury, USAA and Nationwide, according to Bankrate’s analysis of rates provided by Quadrant Information Services. To find the best car insurance companies in San Antonio with the most affordable rates, Bankrate reviewed dozens of carriers and assigned a Bankrate Score. The Bankrate Score is based on a five-point scale and uses several criteria, including average annual premiums, coverage options, discounts, policy and online features, mobile accessibility, third-party customer service scores from and financial strength ratings from . The Bankrate Score, along with the actual average annual rates from each car insurance company we studied, can help drivers find the best cheap car insurance companies in San Antonio. Insurance company Bankrate Score Average annual premium for full coverage Average annual premium for minimum coverage 4.7 838/1,000 $1,314 $440 4.7 832/1,000 $1,388 $407 4.2 N/A $1,450 $475 5.0 879/1,000 $1,531 $469 4.4 N/A $1,685 $618 *USAA does not qualify for official ranking with J.D. Power due to eligibility restrictions. State Farm
State Farm offers the lowest average annual full coverage car insurance rates in San Antonio on our list. It also happens to be one of Texas’ cheapest car insurance companies for drivers with a . The carrier earns a high 4.7 Bankrate Score and ranks in sixth place for , though it falls below average in the Texas region for overall customer service satisfaction. State Farm has dedicated agents for those who prefer a personalized experience. San Antonio drivers can also personalize their car insurance with coverage options like car rental and travel expenses, emergency road service and coverage. Learn more: Geico
With a 4.7 Bankrate Score, Geico ranks fairly high across all the categories we studied. It also offers the second-lowest average full coverage premium lowest average minimum coverage rates on our list to San Antonio drivers. You could save even more with Geico’s extensive discounts, like savings for federal employees, good students and military members. Although policies are relatively basic and there are not many optional coverages to tailor your policy to your needs, Geico might be a good choice if budget is your biggest concern. Although the carrier scored above average for auto claims satisfaction, it scores below the industry average for the Texas region for customer satisfaction. Learn more: Mercury
Offering insurance coverage in just 11 states, Mercury did not make the rankings for either J.D. Power study. However, it did earn a respectable Bankrate Score of 4.2, and it does offer lower-than-average rates among insurance companies we studied in San Antonio. Mercury offers standard coverage options and potential discounts, which can help San Antonio drivers keep rates low. With a 34% average rate increase after conviction, Mercury may not be the best choice for those with a speeding ticket on their record, but the company might be a good option for drivers with who need affordable coverage. Learn more: USAA
San Antonio is known as Military City, USA, because it has . USAA specializes in affordable car insurance for active and retired military members and qualifying family members. Although the company does not qualify for an official ranking with J.D. Power due to its eligibility restrictions, it consistently receives very high customer service scores in both studies. It also receives the highest available Bankrate Score of 5.0, and although it does have one of the higher average rates than most of the other San Antonio carriers we studied, its average rates still fall well below the city average. If you are eligible for coverage, you might be able to save with military-focused discounts, like savings for garaging your vehicle on a military base or storing your car while you are deployed. Learn more: Nationwide
Although Nationwide has the highest average rates on our cheap list, it still comes in below the average for San Antonio. While Nationwide earned a 4.4 Bankrate Score, it fell below average for auto claims satisfaction and did not rank in the Texas region for customer satisfaction. However, Nationwide does have some of the cheapest average rates for drivers with bad credit. The carrier also offers several coverage options to tailor your auto insurance, such as gap insurance, rental car, accident forgiveness, vanishing deductible and total loss deductible waiver. Learn more: How to get and keep the cheapest car insurance in San Antonio
To get and keep the cheapest car insurance in San Antonio, drivers should practice safe driving habits. Insurance providers typically offer the most affordable rates to those with clean driving records, so being responsible behind the wheel can help you get the cheapest rates while still getting the best car insurance in San Antonio. Get multiple quotes. Shopping around and comparing is a great way to get affordable rates. Insurance providers have their own rate structures, so getting multiple quotes can help you find the one with the cheapest rates. Maintain clean driving records. When you practice safe driving habits, you are more likely to avoid tickets and accidents. This can help you keep affordable rates and make you eligible for certain incentives, like a claims-free discount and accident forgiveness. Most car insurance companies also offer that reward safe driving habits. Frequently asked questions
What is the best car insurance company
The for you might not be the same as it is for another driver. Every driver has a unique situation and wants different things from insurance. Maybe you want a company that has a highly-rated digital app. You might have accidents or tickets on your record, or perhaps you have a . Once you know what you need from a company, you can get quotes from several providers to see which is the best car insurance company for your needs.
How can I lower my car insurance rates in San Antonio
There are several ways you can potentially lower your car insurance rates in San Antonio, which will also work in other cities and as well. Avoiding tickets and at-fault accidents, taking advantage of discounts, only buying the coverage you need and shopping around to find the cheapest rates are a few of the ways to keep your rates low.
How much car insurance do I need in San Antonio
To , you will need at least $30,000 per person and $60,000 per accident in bodily injury liability insurance and $25,000 in property damage liability coverage. Uninsured and underinsured motorist coverages, as well as must be offered, but can be rejected in writing. Minimum liability insurance does not pay for damages to your vehicle or injuries to you or your passengers, so you may want to consider increasing your limits and purchasing additional coverages, such as and . Methodology
Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits: $100,000 bodily injury liability per person $300,000 bodily injury liability per accident $50,000 property damage liability per accident $100,000 uninsured motorist bodily injury per person $300,000 uninsured motorist bodily injury per accident $500 collision deductible $500 comprehensive deductible To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should only be used for comparative purposes. SHARE: Mandy Sleight has been a licensed insurance agent since 2005. She has three years of experience writing for insurance websites such as Bankrate, MoneyGeek and The Simple Dollar. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products. Maggie Kempken is an insurance editor for Bankrate. She helps manage the creation of insurance content that meets the highest quality standards for accuracy and clarity to help Bankrate readers navigate complex information about home, auto and life insurance. She also focuses on ensuring that Bankrate’s insurance content represents and adheres to the Bankrate brand. Related Articles