Best San Antonio Homeowners Insurance Quotes (2024)

Farmers offers some of the cheapest homeowners insurance policies in San Antonio, with annual premiums starting at $1,265.

Danny Smith
Written byDanny Smith
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Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Katie Powers
Edited byKatie Powers
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Updated June 17, 2024

Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

The average annual home insurance rate in San Antonio, Texas, is $3,162 for a policy with a $1,000 deductible and $300,000 in dwelling coverage, which exceeds the national average of $2,377.

San Antonio has high home insurance premiums partially because of its hot, dry climate, which increases the risk of wildfires. Insurance companies consider this risk factor when determining premiums. But this doesn’t mean you can’t secure cheap home insurance coverage in San Antonio.

You should always compare home insurance quotes before buying a homeowners policy. Here’s what you need to know about home insurance in San Antonio.

Quick Facts
  • Farmers, Armed Forces Insurance Exchange, and Republic Indemnity are some of the cheapest home insurance companies in San Antonio.

  • You’ll pay higher premiums for home insurance if you have a lower deductible or higher coverage limits.

  • Roughly 50% of the city’s buildings will face the risk of a wildfire over the next 30 years.[1]

Best home insurance companies in San Antonio

You have many quality home insurance companies to choose from in the San Antonio area. The best home insurance company won’t be the same for everyone since each insurance company weighs rating factors differently.

The best home insurance company for you will depend on your specific home insurance needs and past claims history. Start your search with four of the best San Antonio home insurers below.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Average Annual PremiumBest For
Farmers4.2$1,265Cheapest rates
Armed Forces Insurance ExchangeN/A$1,506Military members and families
State Farm4.1$2,520Customer service
Travelers3.9$2,223Discounts
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1-to-5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Cheapest rates: Farmers

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.8
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
815
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$106/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$170/mo

Farmers is the best company in San Antonio for cheap rates, with the lowest premiums of any insurer in the city. Farmers offers affordable rates and reliable coverage with numerous insurance products and add-ons. San Antonio homeowners looking to save money on home insurance should turn to Farmers as a first option.

Pros
  • Cheapest average rates in San Antonio

  • AM Best financial strength rating of A (Excellent)

Cons
  • Below-average customer satisfaction rating from J.D. Power[2]

  • Discount availability varies by policy and the state you live in

Best insurer for military members and families: Armed Forces Insurance Exchange

Armed Forces Insurance Exchange is an excellent option for San Antonio’s military community. The city is home to around 159,000 veterans and more than 80,000 active military members.[3] Armed Forces Insurance Exchange offers affordable rates and extensive, reliable home insurance coverage, making it a great choice for military members, veterans, and their families.

Pros
  • Affordable rates

  • Numerous available add-on coverages

Cons
  • Only available to active military, veterans, and their families

  • AM Best financial strength rating of B (Good) is lower than some competitors

Best insurer for customer service: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$210/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$300/mo

State Farm is the best insurance company for customer service in San Antonio. Although not as affordable as some of its competitors, it has a fewer-than-average number of complaints on the National Association of Insurance Commissioners (NAIC) National Complaint Index, making it a good choice option for San Antonio homeowners looking for steady coverage and reliable customer service.

Pros
  • High ranking in J.D. Power’s 2023 U.S. Home Insurance Study

  • Large network of local agents

Cons
  • Not as affordable as other San Antonio insurers

  • Fewer available discounts than other homeowners insurance companies

Best insurer for discounts: Travelers

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$185/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$302/mo

Travelers is the best insurer in San Antonio for discounts. It offers numerous discounts to make home insurance more affordable for homeowners. Some of the discounts Travelers offers are homebuyer, green home, loss-free, protective device, and multi-policy discounts. It’s a great insurance company for homeowners willing to take the extra steps to save money.

Pros
  • Many available discounts

  • Reasonable rates

Cons
  • Higher-than-average number of complaints on the NAIC National Complaint Index

  • Below-average J.D. Power customer satisfaction rating

Cheapest home insurance in San Antonio

Farmers offers the cheapest home insurance in San Antonio, with an average rate of $105 per month and $1,265 per year.

Check out some of the cheapest home insurance companies in San Antonio in the table below. The average premiums reflect prices for a $300,000 dwelling policy with a $1,000 deductible.

Insurance CompanyAverage Annual Premium
Farmers$1,265
Armed Forces Insurance Exchange$1,506
Republic Indemnity$1,694
Bankers Insurance Group$1,853
Texas Farm Bureau Insurance$2,085
Travelers$2,223
USAA$2,225
State Farm$2,520
Mercury$2,606
ASI$2,817
Nationwide$3,269
Foremost$3,549
Allstate$3,695

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Cost of homeowners insurance in San Antonio

The average cost of homeowners insurance in San Antonio is $3,208 per year for a $500 deductible policy with dwelling coverage of $300,000. It costs $3,162 on average for a policy with a $1,000 deductible.

Your exact rate will depend on your location in the city, how much coverage you need, and the insurance company you choose. The higher coverage limits you select, the more expensive your premiums will be.

Other factors that can affect your rate include the size of your house, its age, local building costs, your deductible, and even your credit history.

Cost of homeowners insurance by dwelling coverage amount

The factor that most significantly affects how much you’ll pay for home insurance is your dwelling coverage amount. It’s the most important part of your home insurance policy, paying for personal property damage in the event of a covered loss, such as a windstorm. The higher your dwelling coverage limit is, the higher your premium will be.

See below just how much your average annual premium can increase when you select higher dwelling coverage limits for your home. The average annual premiums below are for home insurance policies in Texas with a $1,000 deductible.

Coverage LimitAverage Annual Premium
$100,000$1,910
$200,000$3,207
$300,000$4,456
$400,000$5,581
$500,000$6,757

Cost of homeowners insurance by deductible

Your home insurance deductible is how much you’ll pay out of pocket for a claim before your homeowners coverage kicks in. Home insurance deductibles usually sit between $500 and $2,000. Your deductible will also affect your premium — the lower your deductible, the higher your premium.

Check out the table below to see how your premium for a policy with $300,000 in dwelling coverage in Texas can vary based on your deductible.

Deductible AmountAverage Annual Premium
$500$4,520
$1,000$4,456

How to get cheap homeowners insurance in San Antonio

You can utilize a few tips to find cheap homeowners insurance in San Antonio, including:

  • Compare home insurance quotes. Comparing quotes from multiple companies is the best way to save money on home insurance. Insurers consider rating factors differently, so you should get a homeowners insurance quote from at least three companies to find the best coverage for your situation. The best homeowners insurance companies will have affordable rates and reliable coverage.

  • Apply for discounts. Discounts are an excellent way to save money on your home insurance policy. Almost every insurance company offers a wide variety of home insurance discounts — just ask. Bundling auto insurance with home insurance is a common discount that can save you hundreds per year.

  • Increase your deductible. Increasing your home insurance deductible automatically lowers your premiums, but you’ll have more out-of-pocket expenses when there’s a claim. Be sure you can afford to pay a higher deductible before increasing it.[4]

Texas homeowners insurance rates by city

Home insurance costs vary by city and even by ZIP codes within the same city. Different areas are susceptible to different risks. For example, certain parts of the city may experience higher rates of vandalism or theft, so rates may be higher there, while homeowners closer to fire stations may pay lower rates.

Though San Antonio experiences fewer tornadoes than the rest of Texas, it experiences more than the national average. Home insurers take this into account when setting rates, along with numerous other factors.

Check out the table below to see how home insurance rates vary across cities in Texas for a policy with $300,000 in dwelling coverage and a $1,000 deductible.

CityAverage Annual Premium
Austin$2,842
Dallas$4,585
El Paso$2,102
Fort Worth$5,106
Houston$5,511

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How much homeowners insurance do you need in San Antonio?

Though Texas law doesn’t require you to carry homeowners insurance, it’s a good idea to have it. Home repair and replacement expenses can be extremely costly for homeowners without help from an insurance company. If you have to take out a mortgage on your home, your mortgage lender will require you to carry a home insurance policy.

The 80/20 rule is a good guideline to follow for home insurance coverage. Purchase coverage equal to or greater than 80% of your home’s replacement cost.[5] No matter how much dwelling coverage you buy, it’s crucial to know what your home insurance policy covers.

What are some of the biggest risks when owning a home in San Antonio? 

The following natural disasters pose the biggest risks to homes in San Antonio:

  • illustration card https://a.storyblok.com/f/162273/150x150/d2251ba1fd/weather-96x96-blue_018-tornado.svg

    Tornadoes

    You may not think of Tornadoes when you think of Texas, but the state does experience them. San Antonio gets fewer tornadoes than the state average but more than the national average. Most home insurance policies cover tornado and wind damage. Ask your insurer to make sure your policy covers damage from tornadoes.

  • illustration card https://a.storyblok.com/f/162273/x/1883c5aa7c/fire-and-lighting.svg

    Wildfires

    Texas is a desert state that often experiences extreme heat, which can lead to wildfires. Roughly 50% of all properties in San Antonio face the risk of wildfire damage over the next 30 years, according to Risk Factor.

  • illustration card https://a.storyblok.com/f/162273/150x150/0194b78427/weather-96x96-orange_043-flood.svg

    Flooding

    Though San Antonio isn’t a coastal city, flash floods can and do occur in the city. Standard home insurance doesn’t cover flood damage, so you’ll need to purchase additional flood coverage from your home insurance company or through the National Flood Insurance Program (NFIP) if you live in a high-risk area.

San Antonio homeowners insurance FAQs

Before you buy a new home insurance policy, you should compare quotes and coverage options from multiple insurers. The following information will help answer your remaining questions about San Antonio homeowners insurance.

  • How much is home insurance in San Antonio?

    For a policy with $300,000 in dwelling coverage and a $1,000 deductible, the average home insurance rate in San Antonio is $3,162 annually. Ultimately, your annual home insurance premium will depend on your coverage details and limits, home details, ZIP code, and more.

  • Which company has the cheapest homeowners insurance in San Antonio?

    Farmers has the cheapest homeowners insurance in San Antonio, with an average annual premium of $1,265 for a policy with a $1,000 deductible and $300,000 in dwelling coverage.

    Armed Forces Insurance Exchange and Republic Indemnity also have cheap coverage, with annual premiums of $1,506 and $1,694, respectively.

  • Does San Antonio require homeowners insurance?

    No. Texas doesn’t require homeowners to purchase home insurance, but your mortgage company will require it.

    Even if you’ve already paid off your mortgage, you should purchase home insurance to protect your finances in the event of covered damage or loss to your home and personal belongings. Without home insurance, you’d have to pay for any damages completely out of pocket.

  • Why is Texas home insurance so expensive?

    Home insurance is increasingly expensive in Texas, partially due to costly disasters associated with climate change. Texas has a risk of hurricanes, flooding, and wildfires, which can cause a lot of damage and increase the number and severity of filed claims. Insurance companies account for this added risk by increasing the cost of coverage.

Sources

  1. Risk Factor. "Does North San Antonio have Wildfire Risk?."
  2. J.D. Power. "Home Insurer Exodus from Several States Creates Challenges and Opportunities, J.D. Power Finds."
  3. Center for New American Security. "Greater San Antonio Military & Veteran Family Needs Assessment."
  4. Insurance Information Institute. "12 Ways to Lower Your Homeowners Insurance Costs."
  5. National Association of Insurance Commissioners. "A Consumer's Guide to Home Insurance."
Danny Smith
Danny Smith

Danny is a Brooklyn-based writer with a producer’s license for property and casualty insurance. A former editor at Insurify, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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