Best homeowners insurance in San Antonio, TX (2024)

Subtitle: We looked at average costs, customer service ratings, and policy options from multiple top insurers to find the best and cheapest home insurance companies in San Antonio.

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By

Rachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Edited by

Jennifer GimbelJennifer GimbelSenior Managing Editor & Home Insurance ExpertJennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.
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Reviewed by

Pat HowardPat HowardManaging Editor & Licensed Home Insurance ExpertPat Howard is a licensed insurance expert and managing editor at Policygenius. Pat has written extensively about the home insurance industry and his insights as a subject matter expert have appeared in several top tier publications, including The New York Times, The Wall Street Journal, CNBC, and Reuters. Pat has a bachelor's degree in journalism from Michigan State University.

Updated|3 min read

Expert reviewedExpert reviewedThis article has been reviewed by a member of ourFinancial Review Council to ensure all sources, statistics, and claims meet the highest standard for accurate and unbiased advice.Learn more about oureditorial review process.

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The average cost of homeowners insurance in San Antonio is $2,365 per year for a policy with $300,000 in dwelling coverage, according to our analysis of 2023 premiums. This is around 23% lower than the Texas average of $2,919 per year, but about 25% higher than the national average of $1,754. 

Compare home insurance rates in San Antonio

While home insurance costs in San Antonio can often get expensive due to the risk of wildfires and extreme weather events, there are several companies that offer affordable policy options.

Compare the best cheap homeowners insurance companies in San Antonio

To find the best cheap homeowners insurance in San Antonio, Policygenius rated over a dozen of the largest insurance companies in Texas across several categories, such as average policy cost, financial strength ratings with AM Best, customer and claims satisfaction scores with J.D. Power, available policy options, and more.

Methodology & why you can trust our rates

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.

Compare home insurance rates in San Antonio

Company

Average monthly cost

Policygenius rating

State Farm

$154

4.8 out of 5

Farmers

$43

4.5 out of 5

Nationwide

$274

4.5 out of 5

Progressive

$304

4.5 out of 5

Texas Farm Bureau

$52

3.9 out of 5

award icon

2024 Policygenius award winner

State Farm

State Farm logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.8

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Offers extended replacement cost

All 50 states

Why we chose itchevron icon

State Farm home insurance is one of the best home insurance providers in San Antonio thanks to statewide availability, large selection of policy options for most home types, high customer service marks, and industry-best financial stability ratings.

Pros and conschevron icon

Pros

  • High customer satisfaction and financial strength ratings

  • Top-tier coverage add-ons, including extended replacement cost coverage

  • Offers large discounts when you bundle your home and auto insurance

Cons

  • 20% more complaints filed with the NAIC than other companies of its size

  • No discounts for first-time homebuyers

More detailschevron icon

Why we chose State Farm

At a time when lots of competitors are no longer insuring homes in areas prone to wildfires or hurricanes, State Farm continues to offer its relatively affordable and highly-rated home insurance to homeowners in most parts of the country, including San Antonio.

While some of its competitors may not have the financial strength to pay out claims after several natural disasters in the same year, State Farm isn't one of them. It earns the highest rating possible from A.M. Best for financial strength and stability — only six insurance companies out of nearly 70 we reviewed hold this title.

How do State Farm home insurance rates compare to the San Antonio average?

The average cost of State Farm home insurance in San Antonio is $154 per month, which is about 28% cheaper than the average monthly premium in San Antonio of $197.

How to get a quote

Online through State Farm

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2024 Policygenius award winner

Farmers

Farmers Insurance logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Offers extended replacement cost

Bundle home & auto

Smart home discounts

Why we chose itchevron icon

Along with saving around 20% when you bundle your home and car insurance, Farmers also gives you access to its extensive suite of discounts, unique policy credits, and claim-free incentives that help put money back in your pocket.

Pros and conschevron icon

Pros

  • 12+ discounts to save on rates

  • Optional extended or guaranteed replacement cost dwelling coverage

  • Shave $50 off your deductible each year you’re with Farmers

Cons

  • Below-average scores on J.D. Power’s overall customer satisfaction and digital experience surveys

More detailschevron icon

Why we chose Farmers

Farmers home insurance stands out against competitors thanks to its 17 available discounts and policy perks. For context, Farmers competitors offer an average of around seven discounts total.

Along with several discount offerings and affordable rates, Farmers also offers the following two key policy perks:

  • Declining deductibles: Earn $50 toward your home deductible each year you have a home insurance policy with Farmers.

  • Claim forgiveness: Once you’ve gone five years without filing a claim, Farmers won’t raise your rate after that if you end up filing one.

Even more, depending on your state of residence, you can save up to 45% on your auto insurance and up to 34% on your home insurance when you bundle policies, according to farmers.

How do Farmers home insurance rates compare to the San Antonio average?

The average cost of Farmers home insurance in San Antonio is $43 per month, which is around 358% cheaper than the monthly city average of $197.

How to get a quote

Online through Farmers

award icon

2024 Policygenius award winner

Nationwide

Nationwide logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Mobile app

New homebuyer discount

Offers extended replacement cost

Why we chose itchevron icon

Nationwide home insurance features an extensive range of comprehensive coverage and policy options. It also received high marks for claims satisfaction with J.D. Power, indicating you can rely on Nationwide when it matters most.

Pros and conschevron icon

Pros

  • Multiple high-quality coverage options

  • Highly rated for claims satisfaction with J.D. Power

Cons

  • Below-average customer satisfaction and digital experience ratings

  • Won’t cover Airbnbs or other short-term rentals

More detailschevron icon

Why we chose Nationwide

Nationwide is known for it's robust policy options and large selection of coverage add-ons, such as flood coverage and options to rebuild your roof with stronger materials after a covered loss, making Nationwide a smart choice if you live in a San Antonio area at risk for extreme weather or natural disasters. While Nationwide’s average home insurance rate of $4,456 is among the most expensive in our top company analysis, it has several discount options available that can trim those high costs.

How do Nationwide home insurance rates compare to the San Antonio average?

The average cost of Nationwide home insurance in San Antonio is $274 per month, which is around 28% higher than the monthly San Antonio average of $197.

How to get a quote

Online through Policygenius or Nationwide

award icon

2024 Policygenius award winner

Progressive

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Mobile app

Why we chose itchevron icon

Progressive offers robust home insurance coverage and ways to save. Our favorite perk? Its bundling discount, which lets you save up to 20% on premiums and only requires you to pay one deductible if your home and car are damaged in the same event.

Pros and conschevron icon

Pros

  • Save up to 20% when you bundle your home and auto insurance

  • Bundling perks include single-deductible claims and streamlined bill payment

  • User-friendly app to manage and update policy

Cons

  • Below-average claims satisfaction ratings

  • Cost varies by company Progressive places you with

  • Customer service & claims options vary by company

More detailschevron icon

Why we chose Progressive

Progressive shines for its industry-best home and auto insurance bundling perks. Insure both your home and car with Progressive and you’ll not only score a huge discount, but you’ll only have to pay one deductible if your home and car are damaged in the same incident. This means if a tornado or hurricane knocks a tree over onto your home and car, you’ll only be on the hook for one deductible.

How do Progressive home insurance rates compare to the San Antonio average?

The average cost of Progressive home insurance in San Antonio is $304 per year, which is about 35% more expensive than the average monthly premium in San Antonio of $197.

How to get a quote

Online through Policygenius or ASI Progressive

Texas Farm Bureau

Farm Bureau Financial Services logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starHalf orange starEmpty gray star

3.9

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Why we chose itchevron icon

Texas Farm Bureau offers exceptional customer service and the option to bundle a slew of insurance policies on top of just home insurance to save money on rates.

Pros and conschevron icon

Pros

  • Excellent customer service score — received 99% fewer complaints expected for a company of its size in 2021

  • Excellent financial strength rating from A.M. Best, proving it likely has the funds to pay out claims in the wake of a natural disaster

  • Only pay one deductible if your home, car, and boat are damaged in the same event and you bundle your insurance policies with Farm Bureau

Cons

  • Rates are $1,400 more expensive than the national average

  • Need to have a Farm Bureau membership to purchase insurance

More detailschevron icon

Why we chose Texas Farm Bureau

Texas Farm Bureau offers a complete line of insurance products — from auto, home, life, commercial, and ranch, allowing you to have all of your policies with one company. Farm Bureau is a great option for San Antonio residents looking for personalized customer care and recommendations from a local company that knows the area best.  

How do Texas Farm Bureau home insurance rates compare to the San Antonio average?

The average cost of Texas Farm Bureau home insurance in San Antonio is $52 per month, which is about 278% cheaper than the average monthly premium in San Antonio of $197.

How to get a quote

By contacting a local Texas Farm Bureau agent

How much is homeowners insurance in San Antonio?

The average cost of home insurance in San Antonio is $2,365 per year, or $197 a month, for a policy with $300,000 in dwelling coverage. This is around 23% cheaper than the average annual cost of $2,919 for homeowners insurance in Texas, and about 25% higher than the national average. 

San Antonio home insurance rates by ZIP code

Home insurance rates can vary substantially depending on which ZIP code your home is located in, as homes in certain San Antonio neighborhoods may be more prone to extreme weather damage or property crime than others.

To help you find out how much home insurance costs where you live, we calculated average home insurance rates by ZIP code in San Antonio.

ZIP code

Average annual cost

Difference from state average (%)

78245

$2,393

-18%

78254

$2,318

-21%

78251

$2,367

-19%

78250

$2,387

-18%

78253

$2,356

-19%

78249

$2,419

-17%

78240

$2,388

-18%

78228

$2,319

-21%

78223

$2,289

-22%

78207

$2,283

-22%

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Cheapest ZIP codes for home insurance in San Antonio

With an average home insurance rate of $2,207 per year, the 78266 ZIP code is the most affordable area for home insurance in San Antonio.

ZIP code

Average annual cost

Difference from state average (%)

78266

$2,207

-24%

78211

$2,251

-23%

78224

$2,260

-23%

78259

$2,275

-22%

78225

$2,277

-22%

78258

$2,279

-22%

78207

$2,283

-22%

78221

$2,286

-22%

78223

$2,289

-22%

78260

$2,290

-22%

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Most expensive areas for homeowners insurance in San Antonio

With an average annual premium of $2,550, the 78206 ZIP code is the most expensive ZIP code in San Antonio for home insurance. If you live one of these ZIP codes, your rates might be among the highest in the city.

ZIP code

Average annual cost

Difference from state average (%)

78206

$2,550

-13%

78209

$2,492

-15%

78215

$2,489

-15%

78264

$2,487

-15%

78284

$2,467

-15%

78241

$2,455

-16%

78285

$2,450

-16%

78243

$2,448

-16%

78205

$2,443

-16%

78244

$2,442

-16%

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Learn more >> Home insurance rates by ZIP code

San Antonio home insurance costs by coverage amount

Along with your home's location, your homeowners insurance premiums are primarily based on how much dwelling coverage is in your policy. This is the centerpiece of your home insurance coverage, covering the cost to repair or rebuild your home after a covered disaster. Below are the average rates for homeowners insurance based on coverage level in San Antonio.

Dwelling coverage limit

Average annual cost

$100,000

$1,103

$200,000

$1,705

$300,000

$2,365

$400,000

$3,044

$500,000

$3,742

San Antonio home insurance costs by deductible amount

Your home insurance deductible is the amount you’re responsible for paying on each claim before insurance kicks in to help cover the cost of repairing or replacing your property. A higher deductible means lower insurance premiums, but it also means you're responsible for paying more out of pocket when you file a claim.

Here are the average rates for coverage based on your deductible.

Deductible

Average annual cost

$500

$4,603

$1,000

$2,305

$2,000

$2,032

Cheapest homeowners insurance companies in San Antonio

Based on our analysis, Farmers, Texas Farm Bureau, and State Auto are the three cheapest home insurance companies in San Antonio, with average premiums citywide ranging from $518 to $631 per year.

Company

Average annual cost

Farmers

$518

Texas Farm Bureau

$623

State Auto

$631

Lighthouse Property Insurance

$1,222

Chubb

$1,518

State Farm

$1,851

Mercury

$1,934

USAA

$2,018

UPC Insurance

$2,706

Texas FAIR Plan

$3,118

Nationwide

$3,289

AmGUARD Insurance

$3,643

Progressive

$3,649

Amica

$3,976

IAT Insurance Group

$4,743

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Cheapest home insurance in San Antonio if you have poor credit

bad credit score does more than just cost you a few dollars in late payment fees — it can also make your auto and home insurance rates thousands of dollars higher. Below are the average rates in San Antonio for homeowners with poor credit.

Company

Average annual cost

Farm Bureau Insurance

$894

Farmers

$1,062

Lighthouse Property Insurance

$1,222

State Auto

$2,187

USAA

$2,557

Texas FAIR Plain Association

$3,118

State Farm

$3,178

Mercury

$3,298

Nationwide

$4,076

Chubb

$4,116

UPC Insurance

$4,235

Amica

$5,080

AmGUARD Insurance

$5,222

IAT Insurance Group

$12,309

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Cheapest home insurance in San Antonio if you have an older home

Insurance carriers consider older homes to have a higher risk of damage or loss compared to newer homes since they're constructed with older and more difficult to replace materials. Additionally, certain structural components in older homes, like the roof or plumbing systems, may not be up to code.

Here are the average rates for homeowners insurance in San Antonio for residents with older homes.

Company

Average annual cost

Farmers

$518

Farm Bureau Insurance

$623

State Auto

$656

Lighthouse Property Insurance

$1,258

Chubb

$1,359

Mercury

$1,745

State Farm

$1,854

USAA

$2,051

UPC Insurance

$2,709

Nationwide

$2,931

Texas FAIR Plain Association

$3,118

AmGUARD Insurance

$3,817

Amica

$4,673

IAT Insurance Group

$4,743

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Cheapest homeowners insurance in San Antonio if you have a history of claims

Claims history is one of the biggest factors that insurance companies use when calculating your home insurance premiums. If you have multiple claims on your record, your insurer will likely view you as a risk for filing future claims and may charge you higher rates as a result.

Here's the cheapest home insurance companies in San Antonio for a homeowner with three claims within a five-year period on their record.

Company

Average annual cost

Farm Bureau Insurance

$688

Farmers

$799

State Auto

$1,419

Chubb

$1,678

Lighthouse Property Insurance

$1,838

State Farm

$1,854

USAA

$2,220

Mercury

$3,602

AmGUARD Insurance

$4,552

Nationwide

$4,841

Texas FAIR Plain Association

$5,068

UPC Insurance

$5,216

IAT Insurance Group

$6,704

Amica

$7,729

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Wind mitigation discounts & incentives in Texas

Many home insurance companies offer wind mitigation discounts if your home is outfitted with features to withstand high winds and flooding caused by a hurricane or strong windstorm. In Texas, you can save on premiums by installing Fortified Roof and Fortified Home elements to your home. You can also score discounts for opening protection, wind-resistant construction, and secondary water barriers to reduce windstorm damage where you live.

Other incentives include the Homeowner Assistance Program, which Helps homeowners impacted by Hurricane Harvey repair, rebuild, improve, or elevate their home, along with temporary housing until the work is complete.

→ Learn more about wind mitigation discounts & how to qualify

How to get homeowners insurance quotes in San Antonio

When shopping around for home insurance, it's best to compare quotes from multiple companies to ensure you're not missing out on better coverage or rates. Here are a few steps to follow as you shop for homeowners insurance in San Antonio.

5 steps to shopping for homeowners insurance in San Antonio, TX

  1. 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.

  2. 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.

  3. 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. 

  4. 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.

  5. 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.

Compare home insurance rates in San Antonio

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.

Author

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Editor

Jennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

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