San Antonio is the second-largest city in Texas and the seventh-largest in the United States, home to approximately 1.5 million residents. The city is home to Joint Base San Antonio (the nation's largest military installation), the Alamo, and a vibrant Hispanic cultural heritage. San Antonio offers some of Texas's more affordable auto insurance rates compared to Dallas and Houston.
In 2026, the average San Antonio driver pays approximately $1,750 per year for full coverage and around $525 per year for liability-only coverage.
Military Discounts for San Antonio Drivers
With Joint Base San Antonio serving over 250,000 military personnel and their families, many San Antonio drivers qualify for military auto insurance discounts. Several major carriers offer 5–15% discounts for active duty, veterans, and their immediate family members.
Average Auto Insurance Rates in San Antonio by ZIP Code (2026)
| ZIP Code | Area | Full Coverage / Year | Liability Only / Year |
|---|---|---|---|
| 78205 | Downtown / River Walk | $1,950 | $585 |
| 78209 | Alamo Heights | $1,650 | $495 |
| 78240 | Northwest San Antonio | $1,700 | $510 |
| 78220 | East San Antonio | $2,000 | $600 |
| 78250 | West San Antonio / Lackland | $1,750 | $525 |
Get Your Free San Antonio Auto Insurance Quote
Sewell Insurance Agency is licensed in Texas and serves all of Bexar County. Our bilingual brokers will find you the best auto insurance rate for your San Antonio address.