Best homeowners insurance in San Antonio, TX for 2023
We looked at average costs, 3rd party ratings, and policy options to find the best and cheapest homeowners insurance companies in San Antonio.
By
Laura GunnLaura GunnFreelance contributorLaura Gunn is an insurance expert and writer. As a former English teacher, she made the transition to full-time writing and editing in 2016. Since that time she has written extensively about insurance topics, as well as topics pertaining to education and marketing.Her work has been published in The Millennial Source, News Hunt 360, Realty Today, HNGN, and other publications.&Pat HowardPat HowardManaging Editor & Licensed Home Insurance ExpertPat Howard is a managing editor and licensed home insurance expert at Policygenius, where he specializes in homeowners insurance. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere.
Expert reviewedExpert reviewedThis article has been reviewed by a licensed Policygenius expert to ensure that sources, statistics, and claims meet our standard for accurate and unbiased advice.Learn more about oureditorial review process.
By
Pat HowardPat HowardManaging Editor & Licensed Home Insurance ExpertPat Howard is a managing editor and licensed home insurance expert at Policygenius, where he specializes in homeowners insurance. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere.
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 2022 premiums. This is around 23% lower than the Texas average of $3,027 per year, but about 25% higher than the national average of $1,899.
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 home insurance companies in San Antonio
To find the best cheap homeowners insurance in San Antonio, Policygenius reviewed 15 of the largest Texas companies across the following categories: average annual premiums in 63 San Antonio ZIP codes, financial strength ratings with companies like AM Best, customer and claims satisfaction scores with companies like J.D. Power, policy options, and more.
Based on our findings, USAA, State Farm, Chubb, Farmers, and Texas Farm Bureau Insurance are the best home insurance companies in San Antonio.
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.
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.
Chubb is an excellent home insurance option for San Antonio homeowners who own a house valued at $1 million or more or have multiple properties or cars to insure. A base policy with Chubb includes enhanced coverage for both your home and your personal property, and you don’t need to pay a deductible on property damage greater than $50,000. That means if your home is leveled in a storm or destroyed by fire, you will not be financially responsible for any of the repair or rebuild costs.
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.
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.
Home insurance rates can vary drastically depending on which ZIP code or neighborhood your home is located in, as certain areas may be more prone to weather-related 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 for 63 San Antonio ZIP codes.
ZIP code
Average annual cost
Difference from city average (%)
78201
$2,304
-3%
78202
$2,365
0%
78203
$2,359
0%
78204
$2,304
-3%
78205
$2,443
3%
78206
$2,550
8%
78207
$2,283
-4%
78208
$2,366
0%
78209
$2,492
5%
78210
$2,297
-3%
78211
$2,251
-5%
78212
$2,395
1%
78213
$2,386
1%
78214
$2,305
-3%
78215
$2,489
5%
78216
$2,517
6%
78217
$2,375
0%
78218
$2,325
-2%
78220
$2,305
-3%
78221
$2,286
-4%
78222
$2,371
0%
78223
$2,289
-3%
78224
$2,260
-5%
78225
$2,277
-4%
78226
$2,359
0%
78227
$2,359
0%
78228
$2,319
-2%
78229
$2,429
3%
78230
$2,404
1%
78231
$2,442
3%
78232
$2,375
0%
78233
$2,415
2%
78234
$2,424
2%
78235
$2,431
3%
78237
$2,302
-3%
78238
$2,359
0%
78239
$2,377
0%
78240
$2,388
1%
78241
$2,455
4%
78242
$2,376
0%
78243
$2,448
3%
78244
$2,442
3%
78245
$2,393
1%
78247
$2,342
-1%
78248
$2,466
4%
78249
$2,419
2%
78250
$2,387
1%
78251
$2,367
0%
78252
$2,392
1%
78253
$2,356
-1%
78254
$2,318
-2%
78255
$2,327
-2%
78256
$2,359
0%
78257
$2,333
-2%
78258
$2,279
-4%
78259
$2,275
-4%
78260
$2,290
-3%
78261
$2,322
-2%
78263
$2,432
3%
78264
$2,487
5%
78266
$2,207
-7%
78284
$2,467
4%
78285
$2,450
3%
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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 (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 annual cost
Difference from city average (%)
78266
$2,207
-7%
78211
$2,251
-5%
78224
$2,260
-5%
78259
$2,275
-4%
78225
$2,277
-4%
78258
$2,279
-4%
78207
$2,283
-4%
78221
$2,286
-4%
78223
$2,289
-3%
78260
$2,290
-3%
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Most expensive ZIP codes for home insurance in San Antonio
With an average home insurance rate of $2,550, the 78206 ZIP code (downtown San Antonio) is the most expensive area for home insurance in San Antonio.
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, whichHelps homeowners impacted by Hurricane Harvey repair, rebuild, improve, or elevate their home, along with temporary housing until the work is complete.
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 you need to rebuild in the event of a disaster. As you can see in the table below, San Antonio homes with $500,000 in dwelling coverage pay roughly $1,400 more each year for home insurance than the citywide average.
Dwelling coverage level
Average annual cost
$100,000
$1,103
$200,000
$1,705
$300,000
$2,370
$400,000
$3,044
$500,000
$3,742
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 $800 each year on home insurance by choosing a $2,500 deductible over the $500 option.
Deductible level
Average annual cost
$500
$2,510
$1,000
$2,269
$2,500
$1,763
The cheapest homeowners insurance companies in San Antonio
Based on our analysis, Farmers and Texas Farm Bureau have the cheapest average home insurance rates in San Antonio, with an average annual premium of $505 and $623, respectively.
In addition to Farmers and Texas Farm Bureau, five other companies have average home insurance rates below the San Antonio average of $2,370, including USAA, Mercury, and State Farm.
Company
Average annual cost
Farmers
$505
Texas Farm Bureau Insurance
$623
State Auto
$631
Lighthouse Property Insurance
$1,222
State Farm
$1,851
Mercury
$1,934
USAA
$2,018
UPC Insurance
$2,706
Texas FAIR Plan
$3,118
Nationwide
$3,289
AmGUARD
$3,643
ASI 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
A poor credit score not only makes it difficult to find an affordable mortgage or buy a car — it can also impact your home insurance costs. In general, insurance companies equate low credit scores with more frequent claims, so they’ll often charge higher rates as a result.
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 IAT Insurance Group's average yearly premium of $12,309 is the highest.
Company
Average annual cost
Difference from base rate (%)
Texas Farm Bureau Insurance
$894
44%
Farmers
$1,062
110%
Lighthouse Property Insurance
$1,222
0%
State Auto
$2,187
247%
USAA
$2,557
27%
Texas FAIR Plan
$3,118
0%
State Farm
$3,178
72%
Mercury
$3,298
71%
Nationwide
$4,076
24%
Chubb
$4,116
171%
UPC Insurance
$4,235
57%
ASI Progressive
$4,478
23%
Amica
$5,080
28%
AmGUARD
$5,222
43%
IAT Insurance Group
$12,309
160%
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Cheapest homeowners insurance in San Antonio if you have an older home
Older homes are generally more expensive to insure than more modern builds, as they're often less structurally sound and constructed with obsolete materials or features that can be expensive to replace
Here's the cheapest home insurance companies for a San Antonio home that's over 100 years old.
Company
Average annual cost
Difference from base rate (%)
Farmers
$479
35%
Texas Farm Bureau Insurance
$623
0%
State Auto
$691
115%
Chubb
$1,211
7%
Lighthouse Property Insurance
$1,258
139%
Mercury
$1,757
99%
State Farm
$1,854
121%
USAA
$1,948
78%
UPC Insurance
$2,472
56%
ASI Progressive
$2,696
139%
Nationwide
$2,929
258%
Texas FAIR Plan
$3,118
0%
AmGUARD
$3,817
57%
IAT Insurance Group
$4,743
132%
Amica
$4,816
49%
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Cheapest home 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.
Company
Average annual cost
Difference from base rate (%)
Texas Farm Bureau Insurance
$688
10%
Farmers
$799
50%
State Auto
$1,419
125%
Chubb
$1,678
11%
Lighthouse Property Insurance
$1,838
50%
State Farm
$1,854
0%
USAA
$2,220
10%
Mercury
$3,602
104%
ASI Progressive
$4,237
42%
AmGUARD
$4,552
25%
Nationwide
$4,841
47%
Texas FAIR Plan
$5,068
63%
UPC Insurance
$5,216
54%
IAT Insurance Group
$6,704
41%
Amica
$7,729
69%
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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
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.
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.
Laura Gunn is an insurance expert and writer. As a former English teacher, she made the transition to full-time writing and editing in 2016. Since that time she has written extensively about insurance topics, as well as topics pertaining to education and marketing.
Her work has been published in The Millennial Source, News Hunt 360, Realty Today, HNGN, and other publications.
Pat Howard is a managing editor and licensed home insurance expert at Policygenius, where he specializes in homeowners insurance. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere.
