How Much is Homeowners Insurance in San Antonio? TX

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The average cost of homeowners insurance in San Antonio is $2,888 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 $471 more than the national average of $2,417.

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 home
Age of your home
Amount of coverage you need
Location
Your credit score

To make sure you are getting the best deal on home insurance, it is important to get quotes from multiple insurers. Read this guide to learn 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 $2,888 per year.
USAA is the cheapest homeowners insurance company in San Antonio with an average annual premium of $2,283.
If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $691 more a year for home insurance.

How much is homeowners insurance in San Antonio per month?

San Antonio homeowners pay an average of $241 a month, based on our rate analysis. It’s $90 less than the state average of $331 and $40 more than the national average for home insurance across the United States. The price of your homeowners insurance policy in San Antonio may vary depending on where you live, the value of your home, and the coverage you choose.

How much is homeowners insurance for a $200,000 house in San Antonio?

The average cost of homeowners insurance in San Antonio, TX is $2,197 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The amount you pay for home insurance each year depends on many different things. The types of natural disasters or events in your area affect how much you pay for coverage in your city.

Some areas are more at risk for natural disasters, like floods, hurricanes, or tornadoes. This means that if something happens, the cost of rebuilding would be higher in those areas, leading to higher insurance premiums. Your insurance policy might not cover damage caused by floods or hurricanes. So, if you live in a flood-prone area, consider buying flood insurance coverage.

How much is homeowners insurance for a $300,000 house in San Antonio?

According to a rate analysis by Insure.com, homeowners in San Antonio pay an average of $2,888 per year for a $300,000 house. These rates are for the coverage limits of $100,000 for liability protection and $1000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, you will have to pay $691 more a year for home insurance. It would be best to buy enough insurance to cover the full cost of rebuilding your home.

However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area.

How much is homeowners insurance in San Antonio by company?

Among the carriers analyzed, USAA (Note: USAA offers home insurance only to members of the military, veterans and their immediate families.) is the cheapest homeowners insurance company in San Antonio. Its average annual rate for San Antonio homeowners is $2,283. Progressive ranks second and State Farm makes it to the third spot with an average annual home insurance rate of $2,937.

Before choosing a homeowners insurance policy, do some research on the company. Our experts have analyzed all the insurance companies across San Antonio and prepared a list of the top ten cheapest home insurance providers. Below are the San Antonio home insurance companies and their average annual premium.

Home Insurance Company	Annual rate
USAA	$2,283
Progressive	$2,896
State Farm	$2,937
Farmers	$3,225
Nationwide	$3,963

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in San Antonio for $300,000 dwelling coverage and $100,000 liability coverage with a $1000 deductible. The data presented are those with a good credit tier alignment.