Home Home insurance Average home insurance cost Texas San Antonio, TX How much is homeowners insurance in San Antonio, TX? Homeowners insurance typically costs $2,714 annually in San Antonio, according to our data. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: August 12, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. The average cost of homeowners insurance in San Antonio is $2,714 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), based on Insure.com’s rate data analysis. It’s $210 more than the national average of $2,504 .However, homeowners insurance rates can vary drastically from one home to another. Home insurance rates in San Antonio depend on a number of factors, including:Size of your homeAge of your homeAmount of coverage you needLocationYour credit score To make sure you are getting the best deal on home insurance, it is important to get quotes from multiple insurers to find the right coverage for your needs. Read this guide for more info on how much homeowners insurance costs per month in San Antonio, home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in San Antonio. Key Takeaways The average cost of homeowners insurance in San Antonio is $2,714 per year.State Farm is the cheapest homeowners insurance company in San Antonio with an average annual premium of $2,615 .If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $634 more a year for home insurance. How much is homeowners insurance in San Antonio per monthResidents of San Antonio pay an average of $226 per month for homeowners insurance. This is $94 less than the state average of $320 and $17 more than the national average for home insurance across the United States. The cost of your homeowners insurance policy in San Antonio can vary depending on your location, property value, and selected coverage options.How much is homeowners insurance for a $200,000 house in San AntonioThe average cost of homeowners insurance in San Antonio, TX is $2,080 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The cost of your home insurance each year depends on several factors – including the risk of natural disasters in your area. If your city is prone to events like hurricanes, wildfires, or floods, you’ll likely pay more for coverage.Some places are more prone to natural disasters, like floods, hurricanes, or tornadoes. That makes rebuilding after a major event more expensive, which is why home insurance tends to cost more in those areas. And keep in mind, your standard policy probably doesn’t cover flood or hurricane damage. If you live in a high-risk zone, it’s definitely worth looking into separate flood insurance for extra protection.How much is homeowners insurance for a $300,000 house in San AntonioHomeowners in San Antonio typically pay an average of $2,714 annually for a home insurance policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.If you increase your dwelling coverage from $200,000 to $300,000, your home insurance rates will rise by $634 . You should purchase enough insurance to cover the entire cost of rebuilding your home. The required amount of dwelling coverage can vary based on factors such as the size of your home, its features, and the cost of living in your area.How much is homeowners insurance in San Antonio by companyAmong the carriers we analyzed, State Farm is the cheapest homeowners insurance company in San Antonio. Its average annual rate for San Antonio homeowners is $2,615 , while Progressive ranks second.Before picking a homeowners insurance policy, it’s a good idea to do a little homework on the company. To make it easier, our experts reviewed all the top insurers in San Antonio and put together a list of the most affordable options. Below, you’ll find the average annual premiums for each provider in the area.Home insurance company Annual rate State Farm$2,615Progressive$2,780Farmers$2,877Nationwide$3,255USAA*$2,431*USAA is only available to military community members and their families.Powered by:Bundling your home insurance with other policies, such as auto insurance, can result in substantial savings. Many insurers offer discounts to policyholders who combine multiple policies. It will help you lower your premiums and simplify policy management.Natural disasters in Texas that can impact your home insuranceLiving in Texas comes with the threat of natural disasters, which can cause significant damage to homes and property, often resulting in costly insurance claims. Understanding which natural disasters are most common in your area is essential when selecting a home insurance policy.By knowing the specific risks in your region, you can make informed decisions about coverage limits, deductibles, and whether you need additional protection. That knowledge ensures you’re not left underinsured when disaster strikes and protects your financial well-being in the long run.Texas is commonly affected by Cold wave, Hail, Heat wave, Lightning, Riverine flooding, Strong wind, Tornado and Winter weather.How home insurance protects you against natural disastersIf your home is hit by a covered event, your insurance can help pay for repairs, replace your belongings, and even cover temporary housing if you can’t live in your home. Having the right coverage in place can make it a lot easier to get back on your feet after a disaster.That said, not everything is automatically included. While most standard policies cover things like wind, hail, and lightning, you’ll usually need extra coverage for disasters like floods, earthquakes, or wildfires. It’s worth taking the time to understand exactly what your policy includes so there are no surprises when you need it most. Make sure your coverage is disaster-readyThe best time to review your homeowners insurance is before a storm hits. If you’ve made upgrades to your home or live in a disaster-prone area, you may need more coverage than you think. A quick policy check now can prevent big financial losses later. MethodologyInsure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in San Antonio for $300,000 dwelling coverage, $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment. How much is home insurance in other cities?AustinDallasFort WorthHoustonPasadenaPlanoShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. In case you missed it What is HO-6 condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2025 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance rates? Mobile home insurance cost and coverage in 2025 Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance in 2025 How much flood insurance do I need? How to bundle home and auto insurance policies to save money The largest home insurance companies by market share Home insurance discounts for cheaper rates How much does dog liability insurance cost and do you need it? Do you have an emergency go-bag? Most Americans don’t 1/1 Related Articles Cost of living calculator By Nupur Gambhir $400K home insurance cost calculator By Zack Sigel Average homeowners insurance cost by ZIP code in 2025 By Barry Eitel Cost of living comparison by state By Chris Kissell Best condo insurance companies for 2025 By Shivani Gite Do I have to pay homeowners insurance through escrow? By Kat Tretina On this page How much is homeowners insurance in San Antonio per monthHow much is homeowners insurance for a $200,000 house in San AntonioHow much is homeowners insurance for a $300,000 house in San AntonioHow much is homeowners insurance in San Antonio by companyNatural disasters in Texas that can impact your home insuranceHow home insurance protects you against natural disastersMethodology ZIP Code Please enter valid ZIP See rates (844)-761-9316