San Antonio is a well-known city in south-central Texas. It is home to the Alamo, the famous River Walk, and other landmarks that make it a major draw for tourists and locals alike. Not only is San Antonio home to such a pivotal part of American history, it's also prone to severe wildfires and extreme weather events.
Enter: homeowners insurance — a crucial part of every home. San Antonio is also one of the most flood-prone regions in the lower 48, making additional flood insurance a must for residents of high-risk areas.
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The average cost of homeowners insurance in San Antonio is $2,365 per year or $197 a month. This is around 23% lower than the statewide average of $3,080 per year, and about 25% higher than the national average of $1,899.
However, cost isn’t the only factor to consider when choosing a home insurance company. Not sure what to look for? Policygenius can help you figure out your coverage needs and compare quotes from multiple top companies in San Antonio.
Best homeowners insurance companies in San Antonio
Of the companies we analyzed, Farmers has the lowest rate, with an average annual policy cost of only $518 per year — almost $2,000 less than the state average.
State Farm is another great option for San Antonio homeowners, and while they don't have the lowest rates in the area, they do have the highest rating with J.D. Power. This rating takes price, customer and claim satisfaction, ease of billing, and availability of resources into consideration, meaning companies with a high J.D. Power score know how to take care of their customers.
Policygenius analyzed thousands of quotes from the 5 largest San Antonio insurers to find the average cost of homeowners insurance with each company in 2022. We then looked at 2021 J.D. Power customer satisfaction scores and compared that with the coverage needs of San Antonio residents to find the best homeowners insurance in San Antonio.
Company
Average yearly cost
J.D. Power Rating
State Farm
$1,851
835
USAA
$2,018
882
Farmers
$518
813
Nationwide
$3,289
812
Texas Farm Bureau Insurance
$623
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State Farm

There's a reason State Farm is one of the top-rated insurance companies in the U.S. — its customer satisfaction ratings are through the roof, it offers a slew of coverage add-ons for full protection, and makes filing claims through its mobile app a breeze.
Pros
Top-tier coverage add-ons, including equipment breakdown, water backup, and service line coverage
Get up to $1 million in personal liability coverage
Score discounts for bundling, installing security devices, and choosing a high deductible
File and track claims online, over the phone, in person, or through its mobile app
High customer satisfaction and financial strength ratings
Cons
No discounts for first-time homebuyers or going a year without a claim
Read our full State Farm home insurance review
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Why State Farm tops our best list
State Farm offers a whole host of additional coverage options that help better protect your home, belongings, and family. It also boasts an industry-high customer satisfaction rating with J.D. Power, so you know you’ll be taken care of properly when you insure your house with State Farm.
How to get a quote
Online through State Farm
USAA
USAA's robust coverages and high marks for customer service and claims satisfaction make it a solid home insurance option for military members and their families.
Pros
Score discounts for zero claims, being a loyal USAA member, opting into e-billing, and more
Base policy includes coverages that cost extra with most other companies
Offers earthquake coverage — which is hard to come by
Get discounted home security systems and a discount on premiums through its partnership with ADT
Industry-best customer service and claims satisfaction ratings
Cons
Only available to military families
Doesn’t offer extended or guaranteed replacement cost dwelling coverage
Why USAA tops our best list
USAA combines great coverage options with high customer satisfaction ratings, making this an ideal insurance option for military members and their families. USAA's basic policy options are known to include coverages and perks that other companies consider add-ons. This, plus their multiple discount options, help keep USAA coverage affordable.
How to get a quote
Online through USAA
Farmers

Farmers is one of the largest and most reputable home insurance providers in the industry, offering special discounts for teachers, nurses, first responders, and non-smokers — plus the option to rebuild your home with green materials after a claim.
Pros
Several discounts and unique ways to save, including claim forgiveness and declining deductibles
3 flexible coverage packages with varying levels of protection for most coverage and budget needs
Offers extended and guaranteed replacement cost coverage options
File claims online, via text, on its mobile app, or by calling its claims center
Cons
Rates are typically more expensive
Below-average customer satisfaction ratings
No repair network to help you find a certified contractor or repair professional after filing a claim
Read our full Farmers home insurance review here
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Why Farmers tops our best list
Farmers offers extended and guaranteed replacement cost, two comprehensive dwelling coverage enhancements that can help safeguard your home in the event of an expensive disaster. This is especially appealing to San Antonio area homeowners who live in areas prone to wildfire damage.
How to get a quote
Online through Farmers
Nationwide

Nationwide offers flexible home insurance policy options for every home type and income level. And we love its slew of discounts for everything from having a newish roof to living in a gated community.
Pros
Offers lots of coverage add-ons, including flood and earthquake insurance
Option to rebuild roof with stronger, safer materials after a covered loss
Score discounts for living in a gated community, making home renovations, having a newer roof, and more
Seamlessly submit claims online or through its mobile app
Above-average claims satisfaction rating
Cons
Below-average customer satisfaction ratings
Water backup coverage is more expensive than with other insurers
Read our full Nationwide home insurance review here
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Why Nationwide tops our best list
Nationwide offers numerous optional coverage including extended replacement cost, earthquake coverage, and flood insurance — something that may come in handy for San Antonio homeowners deep in flood country. Even better, claims can be submitted seamlessly online or through the Nationwide app, helping expedite the process.
How to get a quote
Online through Policygenius or Nationwide
Texas Farm Bureau Insurance

On top of its stellar customer satisfaction ratings, Texas Farm Bureau Insurance offers everything from home, auto, and life insurance to ranch, farm, and commercial coverage — allowing you to keep all of your policies under one roof.
Pros
Offers home, farm, ranch, commercial, life, and auto insurance — letting you keep all of your policies with one company
High customer satisfaction ratings for 10 years running
File claims online — with 24/7 customer support
Cons
Farm Bureau membership required for coverage
Minimal information about coverages and discounts available online
Why Texas Farm Bureau Insurance tops our best list
Texas Farm Bureau Insurance is a one-stop shop for all of your insurance needs. As a local provider who understands the lay of the land, Texas Farm Bureau offers a level of customer service and knowledge that will help San Antonio homeowners get the coverage they need.
How to get a quote
By calling Texas Farm Bureau Insurance
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Cheapest homeowners insurance companies by ZIP code in San Antonio
Looking at average home insurance costs for 15 of the most popular companies in San Antonio, we found that the cheapest home insurance in the city can be found in the 78207 ZIP code (central San Antonio) with Farmers. The average Farmers rate in this area is $384 per year — which is over 80% less than the city average of $2,365 per year.
Homeowners in most areas of San Antonio are likely to find the cheapest rates with Farmers This insurer had the cheapest average annual premium in 57 of San Antonio's 63 ZIP codes.
ZIP code
Company
Average yearly cost
78201
Farmers
$507
78202
Farmers
$525
78203
Farmers
$525
78204
Farmers
$525
78205
Farmers
$525
78206
Farmers
$525
78207
Farmers
$384
78208
Farmers
$525
The most affordable areas for homeowners insurance in San Antonio
With an average home insurance rate of $2,207 per year, the 78266 ZIP code (Garden Ridge), is the most affordable area for home insurance in San Antonio. The Garden Ridge area is predominantly families or couples and very few single individuals, which could explain the low insurance rates in the area.
ZIP code
Average yearly cost
78266
$2,207
78211
$2,251
78224
$2,260
78259
$2,275
78225
$2,277
The most expensive areas for homeowners insurance in San Antonio
With an average home insurance rate of $2,550, the 78206 ZIP code — located in the heart of downtown San Antonio — is the most expensive area for home insurance in San Antonio. This is likely because living in a dense city comes with typically higher crime rates than out in the suburbs, leading to more risk and steep insurance premiums.
ZIP code
Average yearly cost
78206
$2,550
78209
$2,492
78215
$2,489
78264
$2,487
78284
$2,467
Shopping for homeowners insurance in San Antonio
When shopping around for home insurance, you'll want to make sure the coverage amounts you’re being quoted for reflect your actual insurance needs. That way, you'll know you're getting accurate coverage and rate comparison.
For those residents in San Antonio, you'll want to consider your deductible cost in case you need to make multiple claims in one year.
In this section, we break down the average annual home insurance rates in San Antonio for different coverage and deductible levels, as well as the cheapest and most expensive home insurance companies in the state for individuals with a poor credit score, dog owners, and pool owners.
Once you’re ready to shop, a Policygenius expert can help you navigate your coverage needs and help you find the best deal on homeowners insurance in San Antonio.
San Antonio home insurance costs by coverage amounts
Dwelling coverage is just one part of your homeowners insurance coverage — but it’s easily the most important. It covers the physical structure of your home in the event it’s damaged or destroyed and needs to be repaired or rebuilt.
Your dwelling coverage limit should be equal to your home’s replacement cost, which is the amount it would take to rebuild the structure of your home, including interior fixtures and built-in appliances.
The table below illustrates the relationship between dwelling coverage amounts and the average yearly cost. In general, more dwelling coverage means higher homeowners insurance rates. In San Antonio, the biggest rate jump occurs between $300,000 and $400,000 in dwelling coverage — a $700 difference in the yearly premium.
Dwelling coverage amount
Average yearly cost
$100,000
$1,103
$200,000
$1,705
$300,000
$2,365
$400,000
$3,044
$500,000
$3,742
Another portion of homeowners insurance is your personal liability coverage. This covers the cost of everything from medical bills to expensive lawsuits in the event you’re legally responsible for an injury or property damage. Your liability coverage limit should be high enough to cover the total value of your assets, which include your home, automobiles, belongings, and future earnings.
The table below shows that more liability coverage doesn't always mean higher average yearly premiums in San Antonio. Choosing higher liability coverage limits usually doesn't have a major impact on your overall rate, so it's worth considering the maximum amount offered by your insurer.
Liability coverage amount
Average yearly cost
$100,000
$2,372
$200,000
$2,536
$300,000
$2,365
$400,000
$2,889
$500,000
$2,227
San Antonio home insurance costs by deductible amount
Every homeowners insurance policy includes a deductible, or the amount of money you are responsible for paying on each claim. Your insurance kicks in when, or if, your claim exceeds the deductible amount. Higher deductibles usually mean lower premiums, but it also means you will be responsible for paying more out of pocket when you file a claim.
As seen in the table below, San Antonio residents can save around $1,000 on home insurance by choosing a $2,000 deductible over the $500 option.
Deductible amount
Average yearly cost
$500
$2,498
$1,000
$2,539
$2,000
$3,499
Home insurance discounts in San Antonio
Many homeowners insurance providers will apply discounts to your policy if you add safety features to your home — like dead bolts, smoke and burglar alarms. These features not only make your home safer for you and your family, but they also help reduce the chances that you'll need to file a claim.
While you won’t get a huge discount if your house has one of the following features and nothing else, they can add up if you have several protective devices in your home. Here is the average annual rate and average discount percentage for homes in San Antonio with deadbolts, smoke alarms, or burglar alarms.
Discount
Average yearly cost
Dead bolt
$2,352
Smoke alarm
$2,359
Burglar alarm
$2,304
Home insurance companies in San Antonio for dog owners
Some insurance companies deem certain dog breeds as aggressive or dangerous and a high liability risk. To offset that risk, many insurers charge higher rates to homeowners who own one of these breeds.
With an average rate of $518 per year, Farmers has the cheapest home insurance rates in San Antonio for a home with a dangerous dog breed, while Nationwide's average yearly premium of $3,289 is the highest.
Company
Average yearly cost
Farmers
$518
Texas Farm Bureau Insurance
$623
State Farm
$1,851
USAA
$2,018
Nationwide
$3,289
Home insurance companies in San Antonio for poor credit
A poor credit score can have a negative effect on your homeowners insurance rates as well. In general, insurance companies equate low credit scores with more frequent claims, so they’ll often charge higher rates as a result. The weight that your credit score has on your home insurance premium will vary from company to company.
With an average rate of $894 per year, Texas Farm Bureau has the cheapest home insurance rates in San Antonio for a homeowner with poor credit, while Nationwide’s average yearly premium of $4,076 is the highest.
Company
Average yearly cost
Texas Farm Bureau Insurance
$894
Farmers
$1,062
USAA
$2,557
State Farm
$3,178
Nationwide
$4,076
Home insurance companies in San Antonio for pool owners
Pool owners often see higher rates because they are at higher risk of having to file a liability claim. However, some companies don’t weigh this factor as heavily when determining rates.
With an average rate of $518 per year, Farmers has the cheapest home insurance rates for San Antonio homes that have a swimming pool, while Nationwide's average yearly premium of $3,289 is the most expensive.
Company
Average yearly cost
Farmers
$518
Texas Farm Bureau Insurance
$623
State Farm
$1,851
USAA
$2,018
Nationwide
$3,289
How to buy homeowners insurance in San Antonio
San Antonio is at considerable risk of wildfires, tornados, and flooding, so you’ll want to make sure you have flood insurance in addition to comprehensive home insurance coverage. To make sure you’re getting the best coverage at the fairest price, it's best to compare policies and premiums from multiple companies.
Here are a few steps to follow as you shop for homeowners insurance in San Antonio:
Reach out to a licensed Policygenius agent. Our team of licensed insurance experts are at the ready to help you figure out how much coverage you need and what company offers it at the best price — all for free with no impact to your credit score.
Consider purchasing flood insurance. Most standard home insurance policies don’t cover flooding, so you’ll want to add flood coverage or purchase a separate flood insurance policy to make sure you’re fully protected. A Policygenius agent can help you do this, too.
Figure out how low of a deductible you can afford. Since San Antonio faces a high risk of flood and severe storm damage, you'll want to figure out how much you'll be able to afford out of pocket each and every time you file a home or flood insurance claim.
Compare quotes from a Policygenius agent. Once you’ve nailed down your coverage needs, limits, and deductibles, a Policygenius agent will walk you through quotes from a few different companies to help you find the best policy for your needs.
Sign the policy and pay your first premium. After you’ve chosen the policy you want, your Policygenius agent will complete all of the paperwork for you. The only thing left to do is sign the policy and pay your first premium. They’ll even cancel your old policy for you if it’s not up yet.
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Frequently asked questions
What is the average cost of homeowners insurance in San Antonio, Texas?
The average cost of homeowners insurance in San Antonio is $197 per month, or $2,365 per year.
Why is home insurance in Texas so expensive?
Home insurance is so expensive in Texas because certain areas in the state are at high risk for severe weather damage due to hurricanes, tornadoes, and other disasters.
How can I lower my homeowners insurance in San Antonio?
You can always lower your homeowners insurance by re-shopping your home insurance policy or taking advantage of home insurance discounts. Another way to lower your rates is by choosing a higher deductible. But remember, a high deductible means you’ll be responsible for paying more out of pocket when you file a claim before insurance covers the rest.
Is it mandatory to have homeowners insurance in Texas?
While there is no law specifically requiring homeowners insurance in Texas, most mortgage lenders will require that you purchase a policy before they’ll extend you a home loan. Mortgage lenders are financially invested in your property until the loan is paid in full, so they want to ensure your home is fully protected.
Methodology
Policygenius has analyzed home insurance rates provided by Quadrant Information Services in March 2022 for ZIP codes in all 50 states plus Washington, D.C., for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits:
Dwelling: $300,000
Other structures: $30,000
Personal property: $150,000
Loss of use: $60,000
Liability: $300,000
Medical: $1,000
All rates based on the above coverage limits except where otherwise noted.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.