San Antonio Insurance Rates:

San Antonio, TX home insurance is about $873 to $1,181, about $72-$98/month. Our thorough analysis reveals consumers can save upto $410 by comparing many quotes

Compare Quotes from Top Providers and Save now!

Read San Antonio, Texas Homeowners Insurance Reviews & compare quotes to find the best & cheapest home insurance provider.

San Antonio Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Travelers
Home Insurance Rate of $210/2 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $140,000

4 Beds, 4 Baths 2120 sqft Rental Property Constructed In 1982 with Hardwood Flooring, Tile Roof, Crawl Space Foundation, Brick siding, Stucco Construction. Home Features Include Indoor Sprinklers, Fireplace, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

63 Years old Divorced Male who is a Freelancer with household income of $100-$150,000 and has No Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 550-599 Credit Score

Home Insurance Rate of $1150/10 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $130,000

5 Beds, 5 Baths 1790 sqft Rental Property Constructed In 1991 with Stone Flooring, Wood Shake Roof, Chainwall Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Swimming Pool, Deadbolt Locks, Fireplace, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

50 Years old Single Female who has a Full Time Job with household income of $100-$150,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $560/4 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $165,000

3 Beds, 3 Baths 1850 sqft Seasonal Residence Constructed In 1972 with Carpet over wood flooring, Shingles Roof, Piers Foundation, Brick siding, Stucco Construction. Home Features Include Indoor Sprinklers, Fire Extinguisher, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

40 Years old Married Female who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 600-649 Credit Score

Home Insurance Rate of $370/6 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $135,000

3 Beds, 3 Baths 1780 sqft Vacation Property Constructed In 1974 with Ceramic Tile Flooring, Slate Shingles Roof, Slab Foundation, Stone Siding, Wood Frame. Home Features Include Fire Extinguisher, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

63 Years old Single Female who is a Freelancer with household income of more than $150,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $610/4 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $255,000

5 Beds, 5 Baths 3890 sqft Vacation Property Constructed In 1995 with Ceramic Tile Flooring, Wood Shake Roof, Piers Foundation, Wood siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

55 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $490/8 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $105,000

2 Beds, 2 Bath 1210 sqft Rental Property Constructed In 1995 with Ceramic Tile Flooring, Composition Roof, Slab Foundation, Vinyl siding, Stucco Construction. Home Features Include Fire Extinguisher, Central Air Conditioning, Indoor Sprinklers, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

58 Years old Married Female who is Unemployed and has 2 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 550-599 Credit Score

Home Insurance Rate of $160/2 months for $200,000 Coverage
10 year old 3 Bedroom/2 Bathroom 1300 sft home with worth about $200,000 & a replacement value of $160,000. Located in a mid income neibhorhood with little chance of natural disasters
Single woman & recently divorced. Strong credit. 1 son. Non-smoker. Work out of home sometimes.
Home Insurance Rate of $85/1 month for $175,000 Coverage
Our home has all the modern amenities to reduce the risk of accidents and therefore the lower our claims & home insurance
Our parents live with us but they have a separate room with their own kitchen from the main house so the chances of them causing accidents is less.

Click here for Zip Code data

San Antonio Rates & Quotes Analysis:

San Antonio Area Estimated House Insurance
Boxer Palm, Baldwin Ridge, Baldwin Ave, Poppy Seed Run, Crested Land, Dotted Palm, S Chupaderas St, Cheviot Hts, Oxford Dr, Agnes Dr$1,014
Patricia, Bending Crst, Cedar Falls St, Lemonmint Pkwy, Galaway Bay, Flower Bluff, Snowshoe, Bluff Xing, Montezuma, Balboa Island$1,039
E Perimeter, Electra Dr, Grenadier Way, Rodriguez Ave, Hickory, Palm Park Blvd, N Smith St, Queens Forest St, Cougar Chase, Southbridge Dr$1,042
Checkrein St, E Baylor St, Ridge Smoke, Fargo Ave, Roseangel Ln, Port Bluff N, Dove Circle St, Lacey Oak, Bow Heights Dr, Roan Leap$1,035
Tascate, Point Bluff Dr, Dixon Wood, Driftwood St, Monarch Pass, Longmont St, Tiger Horse Dr, Stoney Xing, Fairgreen St, Walkers Way$1,028
Antler Station, Oak Harbor Dr, Guerra Aly, Ox Eye Trl, Zapata St, Amapola St, Adams St, Scenic Knoll, Timber Run, Gold Canyon Rd$1,040
Doe Park, Sally Agee, Windbluff Dr, Old Stillwater, Don Mills St, Teak Ln, Bertetti Dr, Cooper St, Spring Drops St, Oakhorne St$1,046
Ter Park, Hilltop Crst, Rim Oak, Timber Cross St, Oban Dr, Ray Ave, Wingate Ave, Greentree St, Encino Briar, el Pueblo Peak$1,010
Adele St, Doolittle St, Gablewood, Bobolink Cove, Timber Climb, Cornerway Blvd, Rocky Oak St, Pso Espinosa, Crater Dr, Huntington St$994
Skyblue Ln, Vis del Mar, Roan Way, Avant Ave, Cliffbrier Dr, Tee St, Susan Crst, Prescott Dr, Chimney Springs Dr, Purple Sage Rd$1,058

Insurance rates are influenced by a number of factors including:

  • Year Built: 67,247 Homes (12% of total homes ) built between 1990 to 1999 in San Antonio are paying home insurance between $1,481-$1,497. Places close to San Antonio, TX such as Olmos Park, Alamo Heights, Castle Hills are more expensive by $425, $247, $107 respectively while Balcones Heights and San Antonio Central are cheaper by $13 and $26 respectively for similar homes.
  • Bedrooms: 127,492 2 bedrooms homes (24% of total homes ) in San Antonio are paying about $627 compared to Bexar County (+$4), Olmos Park (+$179), Alamo Heights (+$104), Balcones Heights (-$6) and Macdona (-$7).
  • Auto Insurance Bundling: 62,731 Households (23% of all households) in San Antonio have 3 or more vehicles available and when it is bundled with home insurance you can save $256. Discounts for similar bundling in close by locations such as Bexar County, Balcones Heights, Olmos Park come to $258, $254, $330 respectively.
  • Senior Discounts: 124,991 seniors (more than 55 years) occupied housing units (46% of total) in San Antonio get discounts between $154 to $156. The comparative concessions in proximate regions such as Bexar County, Balcones Heights and Olmos Park are $154, $152 and $198 respectively.
  • New Homes discounts: New homes such as the 220,992 homes built between 2000 to 2009 in San Antonio can save $205 and similar new home insurance discounts in nearby towns and cities like Bexar County, Balcones Heights and Olmos Park are $206, $203 and $264 respectively.

San Antonio Homeowners insurance Facts

  • San Antonio, TX has 268,733 owner occupied houses which is 57.0% of all units whereas Bexar County, Balcones Heights and Olmos Park have 60.88%, 17.11% and 71.83% respectively.
  • San Antonio, TX homeowners yearly insurance price at $1,027 is 0.91% of the typical house value of $113,100 which is in contrast with 0.84% in Bexar County, 1.05% at Balcones Heights & 0.21% in Olmos Park.
  • Homeowners in San Antonio, TX pay 20.54% of their income (Less than $10,000) in insurance whereas homeowners in Bexar County, Balcones Heights and Olmos Park pay 20.66%, 20.36% and 26.42% respectively.
  • San Antonio, TX’s insurance is 6.7% of monthly housing costs of $1,272/month, for owners with a mortgage compared to 6.48% in Bexar County, 12.24% at Balcones Heights & 2.75% in Olmos Park. But, for households without a mortgage, insurance is 20.9% of costs ($410 in San Antonio, TX) in contrast with 20.11% in Bexar County, 25.86% at Balcones Heights & 11.0% in Olmos Park.

San Antonio, TX Home Values & Insurance rates

For example, insurance for 17,723 Homes (6.0% of total homes ) valued between $200,000 to $249,999 in San Antonio, TX is about $2,043. Rates in nearby areas in such as Bexar County, Olmos Park, Alamo Heights are cheaper by $153, $1,581, $1,397 respectively while San Antonio Central and San Antonio East are costlier by $792 and $156 respectively for similar homes.

San Antonio, TX Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 25,079 9.0% $225
$50,000 to $59,999 12,693 4.0% $472
$60,000 to $69,999 18,119 6.0% $585
$70,000 to $79,999 19,861 7.0% $677
$80,000 to $89,999 21,223 8.0% $770
$90,000 to $99,999 18,714 7.0% $852
$100,000 to $124,999 35,574 13.0% $996
$125,000 to $149,999 28,510 10.0% $1242
$150,000 to $174,999 26,031 10.0% $1468
$175,000 to $199,999 16,672 6.0% $1694
$200,000 to $249,999 17,723 6.0% $2043
$250,000 to $299,999 10,212 3.0% $2495
$300,000 to $399,999 9,152 3.0% $3173

Renters Insurance in San Antonio

  • Average Renters Insurance in San Antonio :  $210($17/month)

  • Median Gross Rent in San Antonio :  $798

  • San Antonio Renters Insurance to Median Rent Ratio:  2.13%

  • Renter occupied housing units in San Antonio :  203,009

San Antonio Renters Insurance as a Percentage of Rent

San Antonio Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 3,944 2.0% $352
$200 to $299 5,960 3.0% $802
$300 to $499 13,359 6.0% $1252
$500 to $749 60,890 31.0% $1927
$750 to $999 58,286 30.0% $2677
$1,000 to $1,499 41,689 21.0% $3802
$1,500 or more 10,115 5.0% $5452

Rent Affordability in San Antonio:

Approximately 45.0% (91,673) of households are spending more than 35% of their income on gross rent in San Antonio

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 21,956 10.0%
15.0 to 19.9 percent 24,370 12.0%
20.0 to 24.9 percent 24,942 12.0%
25.0 to 29.9 percent 21,711 10.0%
30.0 to 34.9 percent 18,357 9.0%
35.0 percent or more 91,673 45.0%

San Antonio Renters Insurance Discounts:

San Antonio Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in San Antonio, TX Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 104,167 51.0% $21.0
2 vehicles available 52,035 25.0% $31.5
3 or more vehicles available 12,034 5.0% $42.0

San Antonio Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 12,218 6.0% $79
60 to 64 years 8,230 4.0% $63
65 to 74 years 10,433 5.0% $51
75 years and over 8,992 4.0% $39

Protective device discount in San Antonio Up to :  $31

Claims-free discount in San Antonio Up to :  $42

San Antonio, TX Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
78222 $95,100 $1,030
78218 $88,300 $1,020
78228 $86,600 $1,010
78223 $85,700 $1,020
78221 $79,700 $1,010
78227 $78,400 $1,010
78224 $77,100 $1,010
78210 $73,900 $1,010
78220 $70,900 $1,010
78225 $70,600 $1,010
78242 $69,400 $1,000
78264 $68,700 $1,000
78204 $67,900 $1,010
78214 $67,300 $1,010
78203 $65,200 $1,010
78257 $649,000 $1,390
78211 $64,600 $1,000
78226 $64,400 $1,000
78237 $61,300 $1,010
78208 $59,700 $1,000
78202 $57,600 $1,000
78207 $57,300 $1,000
78256 $341,300 $1,170
78258 $280,000 $1,130
78255 $275,300 $1,140
78248 $268,100 $1,130
78260 $267,000 $1,140
78261 $244,500 $1,100
78215 $223,600 $1,100
78259 $207,200 $1,090
78230 $187,200 $1,070
78253 $185,300 $1,090
78205 $182,500 $1,080
78263 $165,100 $1,060
78249 $159,700 $1,070
78254 $155,200 $1,070
78216 $151,100 $1,060
78251 $142,300 $1,050
78240 $140,500 $1,060
78229 $132,100 $1,050
78250 $123,100 $1,040
78252 $119,100 $1,040
78217 $115,000 $1,030
78245 $114,700 $1,040
78244 $110,800 $1,030