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Cheapest Home Insurance Quotes (2025)

Grange, American Family, and Cincinnati Insurance are the cheapest national home insurance companies.

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Homeowners insurance is essential — and expensive. The average cost for a policy with a $1,000 deductible and $300,000 dwelling coverage is $2,532 per year, according to Insurify data. If you live in a state with high risks from severe weather, like Florida, your annual home insurance premium can be much higher than the national average.

Comparing quotes from multiple companies could help you find the most affordable coverage for your needs. But keep in mind that the company with the cheapest rates may not be the best option for you.

We analyzed home insurance rates across 180+ companies to determine which are the cheapest. Here’s what you need to know to find cheap home insurance.

Quick Facts
  • Grange is the cheapest nationally available home insurance company, on average.

  • Your home’s age, location, structure, and other factors affect the cost of home insurance.

  • Florida is the most expensive state for home insurance, with an average annual premium of $5,640 for $300,000 in dwelling coverage.

Cheapest home insurance companies in 2025

Your exact home insurance premium will depend on factors like your home’s size, location, and age. It may also be possible to find cheaper coverage through regional insurance companies like Vermont Mutual, which has the lowest rates of any insurer, according to Insurify data, but is only available in seven U.S. states. Regional insurers vary in size and aren’t available in every state.

The following table shows the average annual premium for $300,000 in dwelling coverage from widely available (operating in more than 26 states) top home insurance companies.

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Annual Premium
sort ascsort desc
AIG$1,704
USAA$1,752
American Family$1,860
Farmers$2,160
Auto-Owners$2,388
Foremost$2,388
Nationwide$2,676
State Farm$2,712
Allied$3,252

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Cheapest home insurance by dwelling coverage

Higher dwelling coverage limits result in higher premiums. But it’s important to consider the value of your home and your location’s risk when determining how much coverage you need. Generally, your dwelling coverage amount should be equal to at least 80% of your home’s replacement cost.

It’s also important to note that the cheapest insurer for your desired dwelling coverage limit can vary.

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Annual Premium
sort ascsort desc
Grange$876
Amica$1,008
CSAA$1,032
Westfield$1,248
National General$1,260
AIG$1,260
USAA$1,344
AFI$1,392
American Family$1,440
Travelers$1,452
Farmers$1,536
Foremost$1,572
Mercury$1,644
Allstate$1,644
Auto-Owners$1,836
ASI$1,884
Nationwide$1,920
State Farm$2,112
Erie$2,148
Encompass$2,244
COUNTRY Financial$2,316
Allied$2,424
Chubb$2,496
Shelter$2,652
Metropolitan$2,988
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Annual Premium
sort ascsort desc
Grange$1,260
Amica$1,392
CSAA$1,464
Westfield$1,524
AIG$1,704
USAA$1,752
AFI$1,788
American Family$1,860
National General$1,860
Travelers$2,004
Farmers$2,160
Mercury$2,220
Allstate$2,256
ASI$2,340
Auto-Owners$2,388
Foremost$2,388
Nationwide$2,676
State Farm$2,712
Encompass$2,952
Erie$3,012
COUNTRY Financial$3,084
Allied$3,252
Chubb$3,636
Shelter$3,648
Metropolitan$4,248
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Annual Premium
sort ascsort desc
Westfield$1,920
Grange$2,028
Amica$2,112
CSAA$2,304
USAA$2,472
American Family$2,676
AFI$2,688
AIG$2,724
Travelers$3,132
National General$3,264
ASI$3,312
Allstate$3,384
Mercury$3,516
Farmers$3,552
Auto-Owners$3,576
State Farm$3,804
Nationwide$4,068
Foremost$4,140
Encompass$4,164
Erie$4,560
COUNTRY Financial$4,644
Allied$5,184
Chubb$5,484
Shelter$5,724
Metropolitan$7,176

Cheapest home insurance by state

Home insurance rates can vary dramatically between states for several reasons. Some states, like Florida, Oklahoma, and Louisiana, are more prone to severe weather than others, resulting in more expensive premiums. Things like the cost of materials, location, and labor costs can also affect your home insurance premiums.

The table below shows the cheapest insurers in every state and the cheapest monthly rates for a $300,000 dwelling coverage limit.

State
sort ascsort desc
Cheapest Company
sort ascsort desc
Cheapest Monthly Rate
sort ascsort desc
AlaskaCOUNTRY Financial$87
AlabamaAllstate$142
ArkansasFarmers$122
ArizonaUSAA$98
CaliforniaFarmers$86
ColoradoAllstate$119
ConnecticutUSAA$100
Washington D.C.USAA$80
DelawareEncompass$93
FloridaState Farm$383
GeorgiaAllstate$115
HawaiiAllstate$71
IowaFarmers$87
IdahoAmerican Family$82
IllinoisAllstate$81
IndianaAllstate$58
KansasFarmers$137
KentuckyWestfield$146
LouisianaForemost$218
MassachusettsUSAA$108
MarylandTravelers$91
MaineTravelers$74
MichiganAuto-Owners$27
MinnesotaFarmers$99
MissouriAllstate$157
MississippiUSAA$130
MontanaChubb$69
North CarolinaState Farm$96
North DakotaFarmers$96
NebraskaUSAA$70
New HampshireTravelers$83
New JerseyTravelers$69
New MexicoAllstate$171
NevadaTravelers$68
New YorkTravelers$66
OhioFarmers$79
OklahomaUSAA$185
OregonTravelers$85
PennsylvaniaWestfield$58
Rhode IslandState Farm$120
South CarolinaChubb$123
South DakotaFarmers$101
TennesseeWestfield$125
TexasUSAA$212
UtahForemost$63
VirginiaTravelers$104
VermontTravelers$64
WashingtonAllied$77
WisconsinAmerican Family$73
West VirginiaUSAA$83
WyomingUSAA$100

How to get cheaper home insurance

You can get cheaper home insurance in a number of ways. Consider the following tips when you’re looking to cut your home insurance costs:

  • illustration card https://a.storyblok.com/f/162273/150x150/59f0e4ac83/types-of-houses-96x96-yellow_029-mansion.svg

    Compare home insurance quotes

    Quote comparison is one of the best ways to lower your home insurance rates. Always compare quotes from at least three insurers before buying a policy.

  • illustration card https://a.storyblok.com/f/162273/150x150/354dc33bc8/banking-96x96-green_017-coins.svg

    Increase your deductible

    Increasing your home insurance deductible will lower your premium. Just be sure you can afford to pay the deductible out of pocket if you need to file a claim.

  • illustration card https://a.storyblok.com/f/162273/150x150/27a2e3602a/credit-and-loan-96x96-orange_033-discount.svg

    Raise your credit

    Improving your credit could lead to lower home insurance rates. Insurers correlate bad credit with a higher likelihood of filing a claim.

  • illustration card https://a.storyblok.com/f/162273/150x150/3b97fae014/money-96x96-blue_033-magnifying-glass.svg

    Look for discounts

    Many insurers offer discounts that you can take advantage of. You may be able to get discounts for things like loyalty, building with better materials, and having home security.

  • Most insurance companies offer discounts that can help reduce the cost of home insurance. Common discounts include:

    • Bundling: Insurance companies typically offer a discount if you buy two types of policies — home and auto, for example — from the same insurer.

    • Paid in full: Paying your entire year’s premium at the beginning of the policy, or when it renews, could yield a discount.

    • Claims-free: You may qualify for a discount if you haven’t had any claims within a certain time frame.

    • Wind mitigation: If you make home improvements that reduce your home’s risk of wind damage, your insurer may offer a discount.

    • Paperless: You may get a discount if you agree to receive policy documents, bills, and communications digitally.

    • Green: Insurers often reward homeowners who update their homes to green standards with a discount. You’ll likely need to have your home certified by an organization like the Leadership in Energy and Environmental Design Organization (LEED).

Cheapest home insurance for new construction

Newer homes tend to be cheaper to insure than older homes since they’re less likely to have issues that require claim payouts. In the table below, you can see average annual premiums for homes built after 2015.

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Annual Premium
sort ascsort desc
Grange$969
Amica$1,071
CSAA$1,126
Westfield$1,172
AIG$1,311
USAA$1,348
AFI$1,375
American Family$1,431
National General$1,431
Travelers$1,541
Farmers$1,661
Mercury$1,708
Allstate$1,735
ASI$1,800
Auto-Owners$1,837
Foremost$1,837
Nationwide$2,058
State Farm$2,086
Encompass$2,271
Erie$2,317
COUNTRY Financial$2,372
Allied$2,501
Chubb$2,797
Shelter$2,806
Metropolitan$3,267

Cheapest home insurance for old homes

Older homes can be more expensive to insure for multiple reasons. They can be more likely to have issues that require insurance payouts.[1] And they may be built with construction materials or architectural details that are more costly to repair or replace.

The following table shows average annual premiums for older homes from some of the cheapest insurers.

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Annual Premium
sort ascsort desc
Grange$1,243
Amica$1,373
CSAA$1,444
Westfield$1,503
AIG$1,680
USAA$1,728
AFI$1,763
American Family$1,834
National General$1,834
Travelers$1,976
Farmers$2,130
Mercury$2,189
Allstate$2,225
ASI$2,308
Auto-Owners$2,355
Foremost$2,355
Nationwide$2,639
State Farm$2,675
Encompass$2,911
Erie$2,970
COUNTRY Financial$3,041
Allied$3,207
Chubb$3,586
Shelter$3,598
Metropolitan$4,189

Cheapest home insurance for bad credit

In most states, home insurance companies can consider your credit history when establishing rates. Insurers don’t look at your actual credit score. Instead, they use credit information to generate credit-based insurance scores and predict your likelihood of filing a claim.[2]

Here are average annual premiums for $300,000 in dwelling coverage for policyholders with poor credit.

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Annual Premium
sort ascsort desc
Grange$1,585
Amica$1,751
CSAA$1,842
Westfield$1,917
AIG$2,144
USAA$2,204
AFI$2,249
American Family$2,340
National General$2,340
Travelers$2,521
Farmers$2,717
Mercury$2,793
Allstate$2,838
ASI$2,944
Auto-Owners$3,004
Foremost$3,004
Nationwide$3,366
State Farm$3,412
Encompass$3,714
Erie$3,789
COUNTRY Financial$3,880
Allied$4,091
Chubb$4,574
Shelter$4,589
Metropolitan$5,344

Cheapest home insurance for high deductible

Home insurance policies typically have one or more deductibles, an amount you’ll have to pay out of pocket toward a covered loss before your insurance kicks in. Because a higher deductible is your way of sharing more risk with the insurer, the higher your deductible, the lower your premium will generally be.

But before buying a high-deductible policy, make sure you can afford to pay it out of pocket in the event of a claim.

The following table shows average annual premiums for a policy with $750,000 in dwelling coverage and a $10,000 deductible.

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Annual Premium
sort ascsort desc
Westfield$2,133
Amica$2,380
Grange$2,399
CSAA$2,609
USAA$2,647
American Family$2,771
AFI$2,971
AIG$3,190
Travelers$3,590
ASI$3,637
Allstate$3,704
National General$3,847
Mercury$3,990
Farmers$4,009
State Farm$4,018
Auto-Owners$4,104
Encompass$4,447
Nationwide$4,694
Foremost$5,161
Erie$5,218
COUNTRY Financial$5,275
Chubb$6,103
Shelter$6,484
Allied$6,551
Metropolitan$8,874

Cheapest home insurance for high-value homes

Your home’s value directly affects how much you’ll pay to insure it each year. Generally, homes with higher values cost more to repair or rebuild and often contain luxury items or features that are costly to replace.

Insurers typically consider a home with a value of $750,000 or more to be a high-value home, although some companies may set the threshold at $1 million or more. Here are average annual premiums for a $750,000 home insurance policy from top insurers.

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT
Insurance Company
sort ascsort desc
Average Annual Premium
sort ascsort desc
Westfield$2,688
Amica$3,000
Grange$3,024
CSAA$3,288
USAA$3,336
American Family$3,492
AFI$3,744
AIG$4,020
Travelers$4,524
ASI$4,584
Allstate$4,668
National General$4,848
Mercury$5,028
Farmers$5,052
State Farm$5,064
Auto-Owners$5,172
Encompass$5,604
Nationwide$5,916
Foremost$6,504
Erie$6,576
COUNTRY Financial$6,648
Chubb$7,692
Shelter$8,172
Allied$8,256
Metropolitan$11,184

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What factors affect the cost of home insurance?

Many different factors affect the cost of home insurance, such as:[3]

  • The size of your home: The larger your home, the more it’ll cost to replace. Insurers consider this when setting your rate.

  • Local building costs: Your premiums could increase if you live in an area where building supplies and labor are expensive, which drives up repair costs.

  • Your credit history: Insurance companies consider your credit when setting rates and usually offer lower rates to homeowners with better credit.

  • The age of your home: Older homes come with unique and often expensive repair needs. Having an older home can lead to increased premiums, as insurers will compensate for the increased cost of materials required to repair the home.

  • Location: Factors specific to your location can affect how likely you are to file a claim, like severe weather frequency, natural disasters, and crime rates. Insurers consider these factors when determining how likely you are to file a claim and how much those claims will cost.

Cheap home insurance FAQs

Finding good, cheap home insurance can be trickier than you may expect. Take a look at the answers to these commonly asked questions about finding cheap home insurance before you start your search.

  • Yes. Your homeowners insurance will typically go up at renewal time if you file a claim. Your insurer will likely consider the type, number, and cost of the claims you filed when deciding whether to renew your policy, and at what price.

    But each state has its own regulations about how much insurers can increase rates.

  • Yes. Your home’s age affects your home insurance rates. It’s simple: The older your home is, the more likely it is that something in it will break.

    New construction homes have new appliances and building materials and therefore are less likely to have issues in the near future, resulting in lower home insurance rates.

  • Grange has the cheapest homeowners insurance for policies with a $300,000 dwelling limit. But your rates will vary based on numerous factors, so Grange may not be the cheapest option for you.

    Your rate will depend on things like your home’s size and age, local building costs, location, dwelling coverage limit, and even your credit.

Methodology

Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.

Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:

Default Coverage Assumptions

  • Dwelling coverage: $300,000
  • Deductible: $1,000
  • Personal property limit: $25,000
  • Liability limit: $300,000

Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.

Sources

  1. Progressive. "How can I get home insurance for an older home?."
  2. Insurance Information Institute. "Background on: Insurance scoring."
  3. National Association of Insurance Commissioners. "A Consumer's Guide to Home Insurance."
Danny Smith
Danny Smith

Danny is a Brooklyn-based writer with a producer’s license for property and casualty insurance. A former editor at Insurify, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.

Danny has been a contributor at Insurify since March 2022.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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Chase Gardner
Reviewed byChase GardnerData Insights Manager
Headshot of Chase Gardner
Chase GardnerData Insights Manager
  • Data expert on auto trends and driver behavior

  • University of Chicago graduate with statistics degree

Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.

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