How to Compare Renters Insurance Quotes
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LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Cheap Renters Insurance Quotes in San Antonio (2025)

Published on:
Content was accurate at the time of publication.

Best renters insurance in San Antonio

$15/month
Best overall: Lemonade
Lemonade logo
$20/month
Second best:
State Farm
State Farm logo
$26/month
Best discounts: Progressive
Progressive logo
$28/month
Best coverages: Assurant
Assurant logo
+
More Options

Find the Cheapest Renters Insurance Quotes in San Antonio

At $15 a month, or $180 a year, Lemonade is the cheapest renters insurance company in San Antonio. This is one-third less than the city average of $23 a month, or $276 a year.

State Farm, Allstate and Amica also offer renters insurance that’s cheaper than the city average. Because they’re so close in cost, compare renters insurance quotes from all four companies to see which will give you the best and cheapest rate.

CompanyMonthly rateAnnual rate
lemonade logoLemonade$15$180
state farm logoState Farm$20$240
allstate logoAllstate$21$252
amica logoAmica$21$252
progressive logoProgressive$26$312
assurant logoAssurant$28$336
farmers logoFarmers$28$336

Lemonade is the best renters insurance company in San Antonio. It has the city’s cheapest renters insurance rates and top-rated customer service.

You should consider State Farm, too. Its rates aren’t as cheap as Lemonade’s, but its customer satisfaction is nearly as good and it offers more add-on coverages.

Assurant and Progressive are also worth a look because of their coverage and discount options, respectively.

Lemonade is San Antonio’s best renters insurance company because of its cheap rates and reputation for customer satisfaction.

  • The company’s average renters insurance rate of $180 a year ($15 a month) is the cheapest in San Antonio.
  • Lemonade’s customer satisfaction rating of 682 (out of 1,000) from J.D. Power is the best of the companies we surveyed.

If you want add-on coverages, Lemonade may not be the company for you. It offers fewer coverage options than any other company we reviewed in San Antonio.

With an average renters insurance rate of $20 a month, State Farm isn’t as cheap as Lemonade. It has more optional coverages, though, which some renters may prefer.

Some of the add-ons you can pay extra for when you buy a renters insurance policy from State Farm include:

  • Pet medical insurance
  • Identity restoration insurance
  • Earthquake damage coverage

Also, State Farm’s customer satisfaction rating (679 out of 1,000) is second only to Lemonade among the companies we reviewed.

Progressive’s average rate for renters insurance in San Antonio is higher than State Farm’s (as well as the city average), but its selection of discounts could make it a lot more affordable.

You can get renters insurance discounts from Progressive for:

  • Getting a quote at least three days before your policy starts
  • Buying both auto and renters insurance policies from Progressive
  • Paying for your policy up front
  • Agreeing to receive documents through email
  • Living in a secured or gated community
Assurant is the best renters insurance company in San Antonio for optional coverages. The company offers more of these add-ons than any other insurer we surveyed in the city.

Assurant has add-on coverages for:

  • Pet damage
  • Damage caused by a backed-up sewer or drain
  • Additional living expenses after an earthquake
  • Rent protection if you lose your job

Find the Cheapest Renters Insurance Quotes in San Antonio

You aren’t required by law to get renters insurance in San Antonio, but landlords can require it as part of a rental or lease agreement.

Many landlords require renters insurance to protect themselves from tenants who damage the building or their unit. They also do it to protect themselves against liability claims and needing to cover relocation costs if the property becomes unlivable for various reasons.

You should consider buying renters insurance even if your landlord doesn’t require it.

  • Renters insurance covers your belongings — like clothing, electronics and furniture — from damage or destruction for a fairly low cost. Your landlord’s insurance won’t cover this.
  • It also protects you from liability claims, such as if you cause damage to the building or if someone is injured while visiting you.
Renters insurance in San Antonio costs $23 a month, or $276 a year, on average. This is 15% more than the state average renters insurance rate of $20 a month, or $240 a year.

How much you pay for renters insurance depends on factors like:

  • Types and amounts of coverage you buy
  • Deductible you choose
  • Value of your possessions
  • Where you live

Lemonade has the cheapest renters insurance in San Antonio, with rates that average $15 a month.

State Farm comes in second at $20 a month, while Allstate and Amica are next at $21 a month each.

The best renters insurance company in San Antonio is Lemonade, based on our survey of the city’s insurers. It has the city’s cheapest rates and best customer satisfaction score.

State Farm is a good second option, though, as its rates are also less than the city average and it offers many more optional coverages than Lemonade.

You may need to buy renters insurance in San Antonio if your lease or rental agreement requires it. No city or state law requires it, though.

Methodology

LendingTree collected thousands of renters insurance quotes from the largest insurance companies in each state, based on data availability.

We used thousands of renters insurance quotes from across the U.S. for a 30-year-old single woman who has no recent renters insurance claims. Your rates may vary. Coverage limits include:

  • Personal property coverage: $20,000
  • Deductible: $500
  • Personal liability: $100,000
  • Guest medical protection: $1,000
  • Loss of use: $9,000

Overall satisfaction ratings were obtained from J.D. Power’s 2024 U.S. Home Insurance Study. The agency’s scores are based on customer surveys that rate insurance companies on factors like price, policy offerings and claims.