Cheapest home insurance carriers in San Antonio
Estimated annual premiums for a standard policy (~$300k dwelling, $1,000 deductible), ranked cheapest first — San Antonio averages about $3,429/yr (median of the carriers below: $3,100/yr). Enter your ZIP for a ranking tuned to your home.
| # | Carrier | Est. annual | vs median |
|---|---|---|---|
| 1 | Mercury Insurance | $2,315/yr | Save $785 |
| 2 | USAA | $2,568/yr | Save $532 |
| 3 | State Farm | $2,661/yr | Save $439 |
| 4 | Texas Farm Bureau | $2,675/yr | Save $425 |
| 5 | Amica Mutual | $3,067/yr | Save $33 |
| 6 | Nationwide | $3,132/yr | +$32 |
| 7 | Progressive | $3,424/yr | +$324 |
| 8 | Travelers | $3,513/yr | +$413 |
| 9 | The Hartford | $3,744/yr | +$644 |
| 10 | Safeco | $3,780/yr | +$680 |
Why home insurance costs what it does in San Antonio
San Antonio-area home insurance is priced mainly around hail and severe storms. San Antonio's premiums reflect hail and severe-storm exposure across South-Central Texas, running above the national average.
The metro average hides your ZIP. A single carrier can price neighboring ZIPs very differently — coastal, wildfire, or older-home areas load high while lower-risk pockets pay less. This page is a San Antonio-level estimate; compare carriers for your exact ZIP to see where you land, and see why your rate can jump even when your carrier’s filing looks flat.
See all Texas home rates & carriers → · Who’s raising & cutting Texas home rates →
Directional estimates from public rate filings and NAIC data — not a quote. Metro figures apply a modeled San Antonio offset to the Texas average; your actual rate depends on dwelling amount, deductible, roof age, claims history, and exact ZIP.