Best Homeowners Insurance in San Antonio, TX

Chubb has the cheapest home insurance in San Antonio, Texas, charging an average $1,558 a year.

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Key Takeaways

  • Chubb is the cheapest option in San Antonio, with an average yearly premium of $1,558.
  • San Antonio homeowners pay an average of $2,727 a year, which is much cheaper than the statewide mean of $3,884.
  • Texas Farm Bureau is another cheap home insurance option, charging $1,938 a year.

In this article

Average home insurance rates in San Antonio

The average home insurance rate in San Antonio is $2,727 a year, which boils down to $227 a month.

Statewide, Texans pay $3,884 a year for homeowners insurance — over $1,000 more than what San Antonio homeowners pay.

Home insurance rates can vary based on a wide range of factors, such as:

  • Your home’s location
  • Your insurance claim history
  • Your home’s age and style
  • The cost it would take to rebuild your home

Your home insurance deductible amount will influence your rate, too. Generally, a lower deductible translates to a higher annual premium.

Deductible Annual premium
$500 $2,823
$1,000 $2,727
$1,500 $2,643
$2,000 $2,592
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Your premiums will also change based on how much dwelling coverage you need. Here are the averages for dwelling coverages between $200,000 and $500,000:

Dwelling coverage amount Annual premium
$200,000 $2,203
$275,000 $2,727
$350,000 $3,302
$425,000 $3,851
$500,000 $4,437
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

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Cheapest home insurance companies in San Antonio

Those looking for the cheapest home insurance should head to Chubb, where the average annual premium is $1,558.

Texas Farm Bureau is the next-cheapest option, with a rate of $1,938 a year.

Insurance company Annual premium
Chubb $1,558
Texas Farm Bureau $1,938
USAA* $2,037
Farmers $2,383
State Auto $2,608
Allstate $2,761
State Farm $2,835
Amica Mutual $3,106
Nationwide $3,257
Travelers $4,790
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families.

The best way to find out which company has the cheapest rates for the coverage you need is to compare home insurance quotes from several companies.

San Antonio's best home insurance companies

Chubb and Travelers are the best insurance companies in San Antonio, based on our research of the city’s top insurers. Here’s why:

Chubb: Cheapest rates

Chubb has the lowest average home insurance rates in the city, charging $1,558 a year.

Additionally, the provider is the best option for high-end homes. Chubb offers access to risk assessment experts, an extended replacement coverage and policies that account for a wide range of rare-but-troublesome circumstances.

Travelers: Best for green homes

Although Travelers is the most expensive home insurance option in San Antonio, on average, the provider offers major discounts for those looking to insure a more eco-friendly home. The company’s “green home additional coverage” includes:

  • Up to $25,000 toward recycling debris on covered property
  • Up to 10% off the cost of repairing or replacing “green” property or appliances

Additionally, Travelers is tied for the top-rated company in terms of customer satisfaction based on the NAIC Complaint Index rankings.

Customer service ratings for San Antonio home insurance companies

According to the 2022 J.D. Power rankings, Amica Mutual is the highest-rated home insurance provider in San Antonio. The company scored 849, 30 points higher than the citywide average.

J.D. Power’s customer satisfaction scores are based on customer surveys that rate home insurers on interaction, policy offerings, price, billing process, policy information and claims. Higher scores are better than lower ones.

Insurance company Overall satisfaction score
Farmers 792
Travelers 794
Chubb 809
Allstate 815
Nationwide 816
State Farm 829
Amica Mutual 849
State Auto Not included
Texas Farm Bureau Not included
USAA 884*
Source: J.D. Power 2022 U.S. Home Insurance Study. *Brand is not rank eligible because it does not meet study award criteria.

The NAIC Complaint Index compares insurance companies by confirmed complaints. A company with a 2.0 Complaint Index rating has twice as many confirmed complaints as expected for its size. A 0.5 rating reflects half as many as expected.

Based on those rankings, Chubb and Travelers are the top-rated companies.

Insurance company Compliant Index rating
Chubb 0.00
Travelers 0.00
Texas Farm Bureau 0.05
State Farm 0.06
Nationwide 0.12
Amica Mutual 0.13
USAA 0.37
Farmers 0.39
Nationwide 0.75
Allstate 1.81
Source: National Association of Insurance Commissioners (2022 data)

Home insurance risks in San Antonio

Flood insurance in San Antonio

Compared to other states, Texas homeowners may need to be particularly worried about floods. This is especially important because traditional homeowners insurance doesn’t provide coverage for flood damage, although you can buy it in order to protect your home and belongings from storm surges.

Additionally, flood insurance is required by anyone living with a mortgage in a high-risk flood zone. Even if you don’t have a mortgage or live in a moderate-risk area, it’s still worth considering.

Flood insurance is available through some private companies, as well as from the National Flood Insurance Program (NFIP). Your current insurance company should be able to help you find a policy that works for you.

Frequently asked questions

The average cost of home insurance in San Antonio is $2,727 a year.

Chubb is the cheapest home insurance company in San Antonio, with an average annual rate of $1,558. Texas Farm Bureau is next on the list, charging $1,938.

As in many states, Texas residents do not legally have to purchase homeowners insurance. However, most lenders require it.


We collected quotes from every ZIP code in San Antonio, Texas, for a standard HO-3 homeowners insurance policy using the following coverages:

  • $275,000 dwelling (unless otherwise noted)
  • $27,500 other structures
  • $137,500 personal property
  • $55,000 loss of use
  • $100,000 liability
  • $5,000 medical payments
  • $1,000 deductible (unless otherwise noted)

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