Who Has the Cheapest Renters Insurance in San Antonio?

Lemonade has the cheapest renters insurance in San Antonio, at an average of $21 per month.


Find Cheap Renters Insurance Quotes in San Antonio

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Lemonade also stands out for its simple online quote system. However, the company has a mixed reputation for customer service.

San Antonio renters who don't mind paying a little more for better service should consider State Farm. It also has affordable rates, at an average of $24 per month. Plus, State Farm offers good service and a generous bundling discount.

Best Cheap Renters Insurance in San Antonio

Our editors looked at the rates, coverage and customer satisfaction reputation for six leading companies to find the best renters insurance in San Antonio. All quotes include $30,000 of personal property coverage, a $500 deductible and $100,000 in liability protection.

Full methodology.

Cheapest renters insurance in San Antonio

Lemonade has the cheapest renters insurance quotes in San Antonio.

Lemonade charges an average of $21 per month for renters insurance. That's roughly three-quarters of the San Antonio city average.

State Farm and Amica also have affordable coverage, at an average of $24 per month and $25 per month, respectively. Both companies also have strong reputations for customer service.


Compare Cheap Renters Insurance in San Antonio

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Cheap renters insurance quotes in San Antonio

Company
Monthly cost
Lemonade logo
Lemonade
$21
State Farm logo
State Farm
$24
Amica logo
Amica
$25
Progressive logo
Progressive
$31
Assurant logo
Assurant
$32
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Renters insurance in San Antonio costs $28 per month, on average. That's $3 per month more than the Texas state average of $25 per month.

Best company for most San Antonio renters: State Farm

  • Editor's rating

  • Cost: $24/mo

Renters in San Antonio should consider State Farm because of its cheap rates and strong reputation for customer satisfaction.

Pros:
  • Affordable quotes

  • Good customer service

  • Generous bundling discount

Cons:
  • Few discounts

State Farm has the best combination of affordable coverage and good service among large renters insurance companies in San Antonio. The company charges $24 per month, on average. That's 16% cheaper than the city average of $28 per month.

In addition to its low rates, State Farm has a strong reputation for customer satisfaction. The company scored in the top half on a recent J.D. Power customer satisfaction study.

State Farm has an excellent bundling discount if you have an auto policy with the company. You may also qualify for a discount if you have a smoke, fire, burglar or other qualifying alarm in your home.

State Farm has the second cheapest auto insurance rates in Texas, on average.

Best cheap renters insurance in San Antonio: Lemonade

  • Editor's rating

  • Cost: $21/mo

Lemonade has the cheapest renters insurance in San Antonio.

Pros:
  • Affordable quotes

  • Easy online shopping

  • Fast digital claims

Cons:
  • Limited discounts

  • Mixed reputation for customer service

Lemonade has the most affordable coverage for San Antonio renters, with an average rate of $21 per month. That's roughly one-quarter cheaper than the city average.

Lemonade also stands out for its simple online shopping and claims filing experience. Getting a quote through the Lemonade website or app is fast and easy. Lemonade makes it convenient to pay your bills, update your coverage limits and file a claim online or through its app.

While the company's digital-first approach to business makes certain processes easier, some customers feel frustrated when they're not able to connect with a real human.

That's possibly a reason for Lemonade's mixed customer reviews. Lemonade scores high on customer satisfaction according to a recent J.D. Power study, but it gets significantly more complaints than an average company its size.

Filing most claims through the Lemonade app is a fairly straightforward process. However, you may have a more difficult time if you have a complicated claim, or you need to appeal a claim that's denied. That means you may have to wait for a longer period of time to replace your stuff with Lemonade.

Best renters insurance discounts in San Antonio: Amica

  • Editor's rating

  • Cost: $25/mo

Amica has a strong reputation for customer satisfaction.

Pros:
  • Strong customer service

  • Many discounts

Cons:
  • Cheaper options are available

Amica gets far fewer complaints than an average company its size. It's a good idea to choose a company that has a good customer service reputation because you'll likely have an easier time if you have to file a claim.

Amica charges an average of $25 per month for renters insurance in San Antonio. That's 12% cheaper than the citywide average.

While Amica has cheaper-than-average rates, it's not the most cost-effective choice for San Antonio renters. Consider Lemonade if you don't mind sacrificing better service for a more affordable policy.

You can lower your monthly renters insurance bill even further by taking advantage of one or more of the company's many discounts. These include:

  • Claims free
  • Renters-auto bundling
  • Loyalty
  • E-discount
  • Autopay

What renters insurance coverage do I need in San Antonio?

San Antonio renters need to protect themselves against common hazards like fire, theft and storms.

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Renters insurance covers theft both inside your house or apartment and while you're away. This coverage will replace your stolen items.


fire icon

Renters insurance usually covers fire and smoke damage. A renters policy will pay to repair or replace the things you own after a fire.


storm icon

San Antonio regularly experiences storms, including occasional hurricanes and tornadoes. Although renters insurance doesn't typically cover flooding, policies will usually pay for storm damage. For example, if strong winds break a window and cause rain to enter your apartment then a renters policy would typically replace your damaged items.

Keep in mind that renters insurance won't protect you against flooding. If you live in a ground-floor unit in a flood-prone area, you should consider buying flood insurance for renters.


Frequently asked questions

What is the cheapest renters insurance in San Antonio, Texas?

has the cheapest renters insurance in San Antonio, at $21 per month, on average. That's roughly a quarter less than the San Antonio average of $28 per month.

How much is renters insurance in San Antonio, TX?

Renters insurance in San Antonio costs $28 per month, on average. That's slightly more than the Texas state average of $25 per month.

What is the best renters insurance in San Antonio, Texas?

State Farm offers the best combination of cheap rates and good customer service among top renters insurance in San Antonio. Amica also has a strong reputation for satisfaction and affordable coverage.


Methodology

ValuePenguin gathered quotes from six of the top insurance companies available in San Antonio to find the best renters insurance companies. Rates are for a 30-year-old unmarried woman living alone who hasn't filed an insurance claim in the past.

Quotes are for the following coverage limits:

  • Personal property: $30,000
  • Personal liability: $100,000
  • Medical payments: $1,000
  • Loss of use: $9,000
  • Deductible: $500

ValuePenguin editors used each company's National Association of Insurance Commissioners complaint score and its J.D. Power and ValuePenguin editor's ratings, if available.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.