Cheap Renters Insurance Quotes in San Antonio (2025)
Best renters insurance in San Antonio
Cheapest renters insurance companies in San Antonio
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.
Company | Monthly rate | Annual rate | |
---|---|---|---|
![]() | Lemonade | $15 | $180 |
![]() | State Farm | $20 | $240 |
![]() | Allstate | $21 | $252 |
![]() | Amica | $21 | $252 |
![]() | Progressive | $26 | $312 |
![]() | Assurant | $28 | $336 |
![]() | Farmers | $28 | $336 |
Best renters insurance companies in San Antonio
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.
Best overall and cheapest rates: Lemonade
- 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.
Second best: State Farm
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.
Best discounts: Progressive
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
Best coverage options: Assurant
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
Renters insurance in San Antonio
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.
How much is renters insurance in San Antonio?
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
Frequently asked questions
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.