Best cheap home insurance in San Antonio in 2025

The best home insurance companies in San Antonio

The right home insurance should protect the financial investment you’ve made in your property without breaking your budget. Bankrate researched top insurers in Texas to pinpoint some of the best cheap home insurance in San Antonio.

To be sure, insurance experts recommend considering variables beyond price to find a policy and provider that suits your needs. A company’s financial strength ratings, customer satisfaction metrics, coverage availability, discount opportunities and more can help inform your decision and impact your experience with your insurance carrier. Below, we outline average home insurance quotes for San Antonio by provider and detail why certain companies may be worth considering.

The cheapest home insurance companies in San Antonio

When looking for the cheapest home insurance companies in San Antonio, there are many variables to keep in mind. Factors like the home’s age, value, ZIP code, condition and more will all play a role in determining your rates. When gathering quotes, remember to ask about discounts you might qualify for, as well. 

How much is home insurance in San Antonio, Texas?

The average cost of homeowners insurance in San Antonio, Texas, is $2,507 per year for $300,000 in dwelling coverage. To compare, the average cost of home insurance in Texas for $300K in dwelling coverage is $3,973 per year, and the average cost nationwide is $2,258.

San Antonio rates by credit tier

In many states, insurance companies can use your credit history to calculate a credit-based insurance score to help determine your homeowners insurance rates. Typically, homeowners with good or excellent credit qualify for the cheapest rates. The table below shows how your credit tier affects rates for the five cheapest home insurance companies in San Antonio.

San Antonio rates by home age

Older homes are often more expensive to insure because they can be more costly to repair or replace. When your home was built can significantly affect how much you pay in premiums for your home insurance. Not only can the age of your home indicate how likely it is that things are nearing their replacement age, but materials and styles used in the construction may be more challenging and expensive to replace now than when the home was built.

San Antonio rates by deductible amount

One way to potentially access more affordable rates is to increase your home insurance deductible, but this has a downside. Your deductible is how much money you must pay out of pocket before any insurance coverage payout can be applied. That means a higher deductible may save you on premiums, but you will have to pay more of your own money if anything goes wrong and you need to file a claim.

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze February 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on married male and female homeowners with a clean claim history, good credit and the following coverage limits:

• Coverage A, Dwelling: $300,000, $350,000, $450,000, $750,000
• Coverage B, Other Structures: $30,000, $35,000, $45,000, $75,000
• Coverage C, Personal Property: $150,000, $175,000, $225,000, $375,000
• Coverage D, Loss of Use: $60,000, $70,000, $90,000, $150,000
• Coverage E, Liability: $500,000
• Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000, $1,500, $2,000 or $5,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Credit: Rates were calculated based on the following insurance credit tiers assigned to our homeowners: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. The following states do not allow credit to be a factor in determining home insurance rates: California, Maryland, Massachusetts.

Year built: Rates were calculated based on the following years built for homes and assigned to our homeowners: 1959, 1982, 1992, 2010, 2016 (base) and 2020.

Bankrate Score

Our Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

• Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, 2023 quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech  and the NAIC, were analyzed.
• Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
• Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points