Cheap Auto Insurance in San Antonio (2025)
Alamo City drivers pay less than Houston but more than Austin. Liability starts at $36 a month for 2025. Enter your ZIP to see real-time quotes from USAA, GEICO, Fred Loya, and local agencies (here’s how to get a Geico quote online). Want statewide context? See the Texas guide. Already compared Dallas? Jump back to Dallas rates.
See the Cheapest Auto Quotes in Your ZIP Code
Choose liability-only or full coverage and get live prices in seconds. Looking to cut costs even further? Explore cheap liability-only options from regional and national insurers.
San Antonio-specific rates direct from insurers.
Cheapest Companies (ZIP 78207 sample)
| Insurer | Liability* | Full Cov.* |
|---|---|---|
| USAA† | $36/mo | $108/mo |
| Fred Loya | $39/mo | $114/mo |
| GEICO | $42/mo | $121/mo |
| Progressive | $46/mo | $129/mo |
| State Farm | $48/mo | $133/mo |
ZIPs With Biggest Savings
- 78258 (Stone Oak) – 18 % below city average.
- 78207 (West Side) – 21 % above average.
- 78023 (Helotes) – 12 % lower thanks to garage parking.
Quick Discounts
- USAA or GEICO telematics – 10-25 %.
- Driver-safety course accepted by Texas DPS – ~7 % for three years.
- Bundle with home insurance – up to 20 % (especially with State Farm or top-rated homeowners insurers).
- EFT or pay-in-full – 5-8 %.
SR-22 & DUI in Bexar County
First DWI adds ~80 % to premiums. Compare dedicated SR-22 carriers on our Texas SR-22 page, or see how rates differ in Austin. For high-risk drivers, Good2Go Insurance may offer flexible monthly plans with instant filings.
FAQ – San Antonio Car Insurance 2025
Cheapest San Antonio ZIP?
78258 currently posts the lowest 2025 premiums.
Does hail impact rates here?
Less than in Dallas; comprehensive rose ~3 % after 2024 storms.
Texas minimum liability?
$30k / $60k / $25k (BI/PD). Consider higher limits for I-35 traffic.