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Nobody likes overpaying, especially for something as expensive as auto insurance. A recent study found that, on average, Americans are overpaying $865 a year for car insurance. The same study demonstrated that if drivers just shopped around once a year and switched to the lowest priced insurer, they would save over $3,400 over four years.

The problem is, most drivers underestimate the amount they would save if they switched. San Antonio drivers that make a habit of comparing rates regularly stand a very good chance of reducing their policy premiums substantially. And not just once, but year after year.

How much is car insurance in San Antonio?

The chart below shows estimates for auto insurance rates in the San Antonio area. The rates shown are based on a single female driver age 30 with no traffic violations or at-fault accidents. The rates include full coverage with $500 deductibles and Texas minimum liability limits of $30,000 of bodily injury coverage per person, $60,000 per accident, and $25,000 of property damage liability. Uninsured/underinsured motorist coverage is included. Policy discounts include multi-vehicle, homeowner, multi-vehicle, claim-free status, and safe-driver discount.

Rates can vary considerably based on where you live in San Antonio, so to get an accurate rate estimate for your vehicle and location, click here. To view insurance rates for other makes and models of vehicles, visit this page.

Car Insurance Rates for Popular Vehicles in San Antonio
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Equinox LS 2WD $1,456 $728 $121
Chevrolet Silverado LS Regular Cab 2WD $1,426 $713 $119
Dodge Ram Crew Cab TRX 4WD $1,704 $852 $142
Ford Escape XLT 4WD $1,264 $632 $105
Ford F-150 FX4 Super Cab 4WD $1,490 $745 $124
Ford Focus S 4-Dr Sedan $1,422 $711 $119
Honda Accord EX 2-Dr Coupe $1,636 $818 $136
Honda CR-V LX 4WD $1,230 $615 $103
Honda Civic SI 2-Dr Coupe $1,928 $964 $161
Hyundai Sonata SE 4-Dr Sedan $1,636 $818 $136
Kia Optima EX $1,670 $835 $139
Nissan Altima 3.5 SR 2-Dr Coupe $1,758 $879 $147
Nissan Rogue SL 2WD $1,548 $774 $129
Toyota Camry Hybrid $1,670 $835 $139
Toyota Corolla LE $1,544 $772 $129
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How to Find Cheaper Auto Insurance in San Antonio

The best way to lower your insurance rates is to regularly compare rates from companies who sell auto insurance in San Antonio. This can be done by following these steps.

The most important thing to remember when comparing rate quotes is that if you have existing coverage, you want to compare quotes with identical coverage deductibles and limits. If you use different physical damage deductibles or liability limits, you won't have an apples-to-apples comparison and it will be more difficult to determine which quote is truly the cheapest.

Direct Insurers, Independent Agents, and Exclusive Agents

There are several channels that car insurance companies use to sell insurance, including direct sales like GEICO and Progressive, independent agents, and exclusive agents like State Farm and Allstate. If you want the most comprehensive comparison of rates, you should obtain price estimates from all of them. Independent agents have the ability to quote your coverage with multiple companies, which the others can only provide rates from a single provider.

Insurance Agents in San Antonio

The interactive map below shows some of the insurance agents in San Antonio. Zoom and pan the map to locate the agent nearest to you, and click on any map marker to get location and contact information.