In San Antonio, Texas, the average cost of home insurance is $1,464 per year for $250K in dwelling coverage, according to Bankrate’s 2022 home insurance data. That’s nearly $400 cheaper than the statewide average rate, which is $1,860 per year for a policy with the same dwelling coverage.


Compare rates and save on home insurance today!

ZIP code
Close X
Advertising Disclosure
This advertisement is powered by, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Compare home insurance rates

Answer a few questions to see personalized rates from top carriers.
Your information is kept secure
Caret DownCaret Up
Caret DownCaret Up
Field is required
Powered by (NPN: 19966249)
Insurance Disclosure, LLC is a licensed insurance producer (NPN: 19966249). services are only available in states where it is licensed. may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Quick Facts
average savings through Bankrate
Two Thirds
2 out of 3 homes
are underinsured
Insurance Home
1 out of every 20
insured homes makes a claim each year
Circle Check
100% of homes
need insurance before getting a mortgage

Leaving so soon? Your custom quotes are just minutes away.

Although San Antonio homeowners pay less for insurance than the average Texan, most homeowners still want to get the cheapest rate possible. According to Bankrate research, the cheapest homeowners insurance in San Antonio may be offered through Texas Farm Bureau, State Farm, and Nationwide. Bankrate assessed carriers on affordability, financial strength, third-party customer satisfaction rankings, coverage offerings and discounts to find the best cheap home insurance in San Antonio.

Best cheap home insurance companies in San Antonio

To find the best cheap home insurance companies in San Antonio, Bankrate evaluated companies based on 2022 rate data from Quadrant Information Services and the 2022 J.D. Power U.S. Home Insurance Study.

We then assigned each carrier a Bankrate Score, based on a 5-point scale. This Score weighs the factors above as well as affordability, customer experience, availability in the area, coverage options, and online and mobile resources to help shoppers find the best and cheapest company for San Antonio home insurance. These five providers may be worth considering if you are looking for a home insurance policy with the lowest rates:

Home insurance company Bankrate Score Average annual premium for $250K dwelling coverage J.D. Power score
Texas Farm Bureau 4.7 $541 N/A
State Farm 4.7 $1,119 829/1,000
Nationwide 4.1 $1,135 816/1,000
USAA* 4.8 $1,152 884/1,000
Travelers 3.7 $1,268 794/1,000

*Not officially ranked by J.D. Power due to eligibility restrictions

Texas Farm Bureau

Texas Farm Bureau may be a great choice for homeowners looking for highly affordable home insurance. Texas Farm Bureau’s average annual premium is the cheapest on our list at just $541. The carrier also offers potential discounts for bundling your policy, installing alarm systems, replacing your roof and more. Although the carrier has limited digital tools, the company has a number of local San Antonio offices, including several in downtown San Antonio. Texas Farm Bureau only offers common coverages with limited add-on options, but this basic policy may be enough to satisfy your home insurance needs.

Learn more: Farm Bureau Insurance review

State Farm

State Farm is the largest home insurance company in the United States by market share. In San Antonio, it’s also one of the cheapest providers, with an average annual premium of $1,119. The company could be a good choice for homeowners who value customer service. The company has an above-average rating from J.D. Power for overall customer satisfaction and more than 100 agents located in San Antonio. State Farm’s policies may not be as customizable as other carriers, but it does offer a few endorsements including inflation protection and contents replacement cost coverage.

Learn more: State Farm Insurance review


Nationwide could be a good home insurance option for customers looking to customize their policies. This national insurer provides several ways to customize your home insurance, including endorsements for water backup coverage, identity theft coverage, earthquake coverage and scheduled personal property. However, Nationwide earns one of the lower Bankrate Scores on our list and also has a below average score for customer satisfaction in the 2022 J.D. Power Home Study.

Learn more: Nationwide Insurance review


USAA has a very high customer satisfaction score from J.D Power, but the carrier is technically ineligible for ranking as it only sells policies to eligible members of the military and their immediate family members. Through USAA, homeowners have the option to purchase several endorsements, including home sharing coverage, earthquake insurance and flood coverage. Every standard policy includes uniform coverage for active duty and deployed service members. Although USAA’s average premium is lower than the average for San Antonio, there are few discounts available compared to other providers, which may limit policyholders’ potential savings.

Learn more: USAA Insurance review


Travelers has the highest average annual premium for homeowners insurance on our list, but policyholders may be able to lower their premium with a variety of discounts. The company offers potential discounts for LEED certified homes and homeowners who purchased their propery within the past 12 months. The company also has options for homeowners looking to customize their policy. Travelers’ endorsements include water backup coverage, green home coverage, identity fraud coverage and extra replacement cost on dwelling and contents. Travelers did earn a below-average score from J.D. Power in 2022, which indicates some customers may not be satisfied with the level of service.

Learn more: Travelers Insurance review

Home insurance coverage options in San Antonio

There are no federal or state laws that require you to have a homeowners insurance policy, but your mortgage conditions likely require you to have coverage. If you have an HO-3 policy, which is the most common type of homeowners policy, you generally have coverage for your dwelling, other structures on your property like a detached garage, your personal belongings and liability coverage.

Additionally, most insurance companies allow homeowners to customize their coverage with endorsements for extra financial protection in specific circumstances. Endorsements allow you to amend your policy with add-on coverages as needed. Some of the most common endorsements to consider for your home insurance in San Antonio may include:

  • Flood insurance: Standard home insurance policies do not cover flood damage. Flood insurance is sold as a separate policy by many private home insurance companies and through the National Flood Insurance Program (NFIP).
  • Water backup coverage: Water damage caused by damaged sewer or water lines may not be covered under a standard home insurance policy. Water backup or sewer backup coverage could provide additional financial protection in the case of water damage from a covered peril.
  • Extended replacement cost coverage: This endorsement is intended to provide additional financial protection to rebuild your home and replace your assets in case of a covered peril. The exact amount will vary based on your policy, but extended replacement cost will typically pay between 125 and 130 percent of the dwelling coverage amount to rebuild your home.

Home insurance discounts in San Antonio

Although some home insurance carriers in San Antonio offer below-average rates, homeowners may be able to save even more money by taking advantage of discounts. Each insurance company offers unique discounts with varying savings potential. Here are a few of the most common home insurance discounts you may be able to find in San Antonio:

  • Bundling discounts: By purchasing your car insurance with the same company that writes your homeowners insurance policy, you may be eligible to save money.
  • Loyalty discounts: Some insurers will give you a discount if you have been with them for a certain number of years, such as five years or longer, although some require you to be claim-free during that period.
  • Smart home discounts: Installing smart home appliances, such as thermostats, security systems, water and gas shutoff sensors, or automatic interior sprinklers may net you an extra discount on your premium for risk mitigation.
  • Payment discounts: Many insurers will give you a small discount for paying your bill electronically and for setting up automatic payments. You may also earn a discount if you pay in full or pay your premium before the policy renews.

These are some of the discounts offered by homeowners insurance companies. Your insurer may have others, and it could pay to ask questions when you are getting quotes to be sure that you are receiving all the discounts for which you are eligible.

Frequently asked questions

    • The best home insurance in Texas depends on your situation and circumstances. To find the best home insurance company for you, most insurance professionals recommend looking at the coverage options you may need and your budget before comparing quotes from multiple providers. This may help you find a company that offers the coverage options you want at a price point you can afford.
    • The average cost of homeowners insurance in San Antonio is $1,464 a year for $250K in dwelling coverage. Your insurance costs may vary based on the multiple factors used to determine your premium. These typically include your home’s age and condition, building costs in your region, and your claims history. Getting multiple home insurance quotes may help you find the lowest rate for your circumstances.
    • Most insurance professionals advise that you have enough home insurance so that you could rebuild your home in the event of a disaster. It may help you to talk to an insurance agent to find out what building costs per square foot are in your area, as well as consider replacement coverage value rather than actual cash value coverage. Replacement coverage value will pay to replace lost or damaged items at the current market value, rather than the depreciated value of the lost item.
    • Like home insurance, finding the best renters insurance in San Antonio will likely come down to the coverage you need and your budget. Fortunately, renters insurance is typically far more affordable than homeowners insurance. Most insurance professionals recommend you consider the protections you want in place to protect your belongings and your liability before comparing quotes from various providers.
    • Bankrate utilizes Quadrant Information Services to analyze 2022 current rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits:
      • Coverage A, Dwelling: $250,000
      • Coverage B, Other Structures: $25,000
      • Coverage C, Personal Property: $125,000
      • Coverage D, Loss of Use: $50,000
      • Coverage E, Liability: $300,000
      • Coverage F, Medical Payments: $1,000

      The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).These are sample rates and should be used for comparative purposes only. Your quotes will differ.

    • Bankrate Scores are calculated on a five-point scale and primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for homeowners to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.To determine how well the best home insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moody’s had the most impact on the companies’ Bankrate Scores. As price is a common consideration for homeowners, we analyzed quoted premiums based on 40-year-old male and female homeowners with a home policy with $250,000 in dwelling coverage. This profile, assessed across nearly 35,000 ZIP codes in the U.S., provided a basis on which homeowners may compare each provider.While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.