Compare top home insurance quotes today

homeowners-landing-phone

Cheapest homeowners insurance in June 2022

State Auto, Erie, USAA, Allstate, and AAA topped our list of the most affordable home insurance companies.

Pat Howard 1600Kara McGinley

By

Pat Howard

Pat Howard

Senior Editor & Licensed Home Insurance Expert

Pat Howard is a senior editor and licensed home insurance agent at Policygenius, where he specializes in homeowners insurance. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere.

&Kara McGinley

Kara McGinley

Editor & Licensed Home Insurance Expert

Kara McGinley is an editor and licensed home insurance expert at Policygenius, where she writes about homeowners and renters insurance. As a journalist and as an insurance expert, her work and insights have been featured in Kiplinger, Lifehacker, MSN, WRAL.com, and elsewhere.

Expert reviewed

Expert reviewed

This article has been reviewed by a licensed Policygenius expert to ensure that sources, statistics, and claims meet our standard for accurate and unbiased advice.

Learn more about oureditorial review process.

By

Fabio Faschi, PLCS, SBCS, CLCS

Fabio Faschi, PLCS, SBCS, CLCS

Licensed Property & Casualty Insurance Expert

Fabio Faschi is a licensed property and casualty insurance agent. His expertise on home and auto insurance has been featured on Forbes, Consumer Affairs, Realtor.com, Apartment Therapy, SFGATE, Bankrate, and Lifehacker.

Updated|10 min read

Policygenius content follows strict guidelines for editorial accuracy and integrity. Learn about our editorial standards and how we make money.

Finding cheap home insurance with good coverage isn't impossible. In fact, many of the best homeowners insurance companies offer great coverage, excellent customer service, and affordable rates.  

The average cost of homeowners insurance is $1,899 per year ($158 a month) for a policy with $300,000 in dwelling coverage, but you can often find a cheaper rate if you know where to look.

Ready to shop home insurance?

Start calculator

Policygenius analyzed rates from 128 companies to find the cheapest homeowners insurance in 2022. The average annual rates with each company are based on a home insurance policy for a 40-year-old homeowner with $300,000 in dwelling coverage and a $1,000 deductible.

Here’s a look at the top 8 cheapest home insurance companies:

Methodology: How we found the cheapest home insurance companies

Expand

Policygenius has analyzed 128 companies to find the cheapest home insurance companies. Rates are provided by Quadrant Information Services in March 2022 for ZIP codes in all 50 states plus Washington, D.C., for a 40-year-old homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits:

  • Dwelling: $300,000
  • Other structures: $30,000
  • Personal property: $150,000
  • Loss of use: $60,000
  • Liability: $300,000
  • Medical: $1,000

All rates based on the above coverage limits except where otherwise noted.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

Policygenius prides itself on providing transparent, unbiased reviews of home insurance companies. Though we make money when you purchase a policy through our site, this does not affect our editorial independence and rigorous editorial standards.

Cheapest homeowners insurance companies in June 2022

Based on our analysis, State Auto has the cheapest home insurance rates in the U.S., with an average annual cost of $1,008 — this is roughly 47% cheaper than the national average rate of $1,899 per year. State Auto combines affordable rates with customizable coverage options for modern homeowners, including special "work from home" personal property coverage and tailored protection for Airbnb hosts.

But you don't live in one of the 28 states where State Auto offers home insurance coverage, consider some of the other affordable home insurance companies on our list: and Erie, USAA, Allstate, AAA, Farmers, Nationwide, and State Farm. The average cost of home insurance with Erie and USAA is $1,346 and $1,432, respectively, and both providers have industry-best customer satisfaction ratings with J.D. Power.

We looked at average annual home insurance rates from some of the largest companies in the U.S. to see which providers have the most affordable homeowners insurance in 2022. If you’re looking for great coverage at a price point that works for your budget, consider one of these eight companies.

Insurance companyAverage annual costAverage monthly cost
State Auto$1,008$84
Erie$1,346$112
USAA$1,432$119
Allstate$1,596$133
AAA$1,818$152
Farmers$1,874$156
Nationwide$1,955$163
State Farm$2,039$170

State Auto

State Auto

State Auto logo

State Auto offers impressive policy add-ons — including increased property coverage if you WFH and home-sharing coverage for Airbnbers — along with a slew of discount opps.

Pros

  • Excellent policy add-ons, including personal injury protection, equipment breakdown coverage, increased limits for business property coverage, and more

  • Expanded replacement cost coverage for your home and belongings available

  • Offers home-sharing coverage if your rent out a room or your whole house on Airbnb

  • Score discounts for bundling, having a newer home or roof, getting a quote in advance, and more

  • File and track claims online

  • Low rate of customer complaints

Cons

  • Best coverage features are only available in the higher-priced product tiers

Company overview

Despite the name, State Auto doesn’t just offer car insurance — it also provides affordable homeowners insurance policies in 28 states. State Auto received an A- from A.M. Best, a credit ranking firm. State Auto scored “excellent” with A.M. Best, which means policyholders can expect their claims to get paid efficiently. 

Why State Auto?

State Auto doesn’t offer home insurance in some big states, including California, New Jersey, and New York. But those who live in a state where State Auto is available can look forward to comprehensive coverage at an affordable rate. The average cost of homeowners insurance through State Auto is $1,008 per year — nearly $900 cheaper than the national average. 

Top discounts

  • Advanced quote

  • Fortified home

  • Multi-policy

How to get a quote

Online through Policygenius or State Auto

Erie

Erie

Erie logo

With some of the best customer service ratings in the industry, Erie offers comprehensive coverage even with its most basic policy — including guaranteed replacement cost coverage and protection for lost items.

Pros

  • Score up to a 25% discount when you bundle your home and auto insurance

  • Guaranteed replacement cost coverage is included in the base policy

  • Theft coverage includes lost or misplaced items — a rare perk we don't see often

  • Multiple policy add-ons available, including water backup and service line coverage

  • Among the best customer service ratings in the industry

Cons

  • Can't file claims online — must speak to an Erie agent on the phone

Company overview

Erie is only available in 12 states, but those who do have a policy with Erie seem to be happy with the company — Erie had the third highest score in J.D. Power’s 2021 Home Insurance Study. This study gauges customer satisfaction with their home insurance provider. 

Why Erie?

Erie’s homeowners insurance rates are well below average, costing $1,346 per year. The company also offers guaranteed replacement cost coverage in their base homeowners insurance policies, which is something most competitors only offer as an upgrade. You can also save on discounts — you may be able to score 20% off your premiums if you bundle your home and auto insurance with Erie. 

Top discounts

  • Fire, burglar alarm, sprinkler system credit

  • Advance quote

  • Multi-policy

How to get a quote

Online through Erie

USAA

USAA

USAA logo

USAA's robust coverages and high marks for customer service and claims satisfaction make it a solid home insurance option for military members and their families.

Pros

  • Score discounts for zero claims, being a loyal USAA member, opting into e-billing, and more

  • Base policy includes coverages that cost extra with most other companies

  • Offers earthquake coverage — which is hard to come by

  • Get discounted home security systems and a discount on premiums through its partnership with ADT

  • Industry-best customer service and claims satisfaction ratings

Cons

  • Only available to military families

  • Doesn’t offer extended or guaranteed replacement cost dwelling coverage

Company overview

You can only purchase a USAA policy if you’re affiliated with the U.S. military. The company received an A++ rating from A.M. Best — the highest score available. USAA also has a high J.D. Power score, which means customers are highly satisfied with USAA pricing, claims, and policy offerings. 

Why USAA?

In addition to its good ratings, USAA also offers affordable rates. A policy with $300,000 in dwelling coverage costs $1,432 per year, which is over $450 cheaper than the national average. There are plenty of ways to save with USAA, including claims-free and bundling discounts. And the company offers numerous coverage enhancements, like replacement cost upgrades for your personal property and extended replacement cost coverage for your home. 

Top discounts

  • Home and auto bundle

  • Protective device credit

  • Claim-free

How to get a quote

Online through USAA

Allstate

Allstate

Allstate logo

Allstate's mix of exceptional customer satisfaction ratings, personalized coverage options, and numerous discount opportunities make it one of the most popular homeowners insurance companies on the market.

Pros

  • Several coverage add-ons, including ones for roof surfaces, water backup, green improvements, and mold protection

  • 8+ discounts, including autopay, bundling, zero claims, and new homebuyer

  • Get up to 25% off your premiums when you bundle home and auto insurance

  • Excellent customer service and claims satisfaction ratings

  • File and track claims online or through its mobile app

Cons

  • Rates are typically high compared to competitors

Company overview

Available in all 50 states, Allstate is the second-largest insurance company on the market. Allstate scored an A+ with A.M. Best — the second best score available. Allstate also scored a 4 out of 5 rating on J.D. Power's 2020 U.S. Property Claims Satisfaction Study, which is higher than most of its competitors. 

Why Allstate?

Allstate offers homeowners insurance at below-average prices, costing an average of $1,596 per year. The company offers a wide range of savings options, including multi-policy discounts, loyalty discounts, protective device discounts, welcome discounts, and more. Allstate provides different tiers of coverage, including an enhanced policy package that increases your coverage limits far beyond the standard amounts. 

Top discounts

  • Multi-policy

  • Responsible payment

  • Claims-free

How to get a quote

Online through Policygenius or Allstate

AAA

AAA

AAA logo

While AAA is mostly known for its auto insurance and roadside assistance, it also offers a comprehensive home insurance policy — complete with flood and earthquake insurance add-ons and multiple discounts. But you'll need to be a AAA member to qualify.

Pros

  • Multiple perks and discounts for AAA members

  • Save up to 10% on auto insurance and 25% on home insurance if you combine the two under a companion policy

  • Offers flood and earthquake coverage so you don't have to purchase separate policies elsewhere

  • Excellent customer service ratings

Cons

  • Must be a AAA member to qualify

Company overview

While you have to be an AAA member to qualify for a homeowners insurance policy, it earned an above-average score on J.D. Power’s 2021 Home Insurance Study, meaning AAA members were satisfied with their coverage. [1]  

Why AAA?

A homeowners insurance policy through AAA costs around $1,818 per year, which is about $80 cheaper than the national average. Plus, the company offers several discounts for its members — you can save 25% on homeowners insurance if you bundle your home and auto policies through AAA. 

Top discounts

  • Multi-policy

  • Age of home

  • Mature homeowner

How to get a quote

Online through AAA

Farmers

Farmers

Farmers logo

Farmers is one of the largest and most reputable home insurance providers in the industry, offering special discounts for teachers, nurses, first responders, and non-smokers — plus the option to rebuild your home with green materials after a claim.

Pros

  • Several discounts and unique ways to save, including claim forgiveness and declining deductibles

  • 3 flexible coverage packages with varying levels of protection for most coverage and budget needs

  • Offers extended and guaranteed replacement cost coverage options

  • File claims online, via text, on its mobile app, or by calling its claims center

Cons

  • Rates are typically more expensive

  • Below-average customer satisfaction ratings

  • No repair network to help you find a certified contractor or repair professional after filing a claim

Company overview

Founded in 1928, Farmers is the fifth largest insurance provider in the country and one of the oldest. The company scored an A from A.M. Best, which means its finances are in good order. 

Why Farmers?

Farmers homeowners insurance is $1,874 per year, which is pretty on par with the national average. Farmers also offers lots of discounts and different tiers of coverage, so if you’re looking for a customizable, low-cost policy, Farmers is a good bet. 

Top discounts

  • Multi-policy

  • Claims-free

  • Connected home

How to get a quote

Online through Farmers

Nationwide

Nationwide

Nationwide logo

Nationwide offers flexible home insurance policy options for every home type and income level. And we love its slew of discounts for everything from having a newish roof to living in a gated community.

Pros

  • Offers lots of coverage add-ons, including flood and earthquake insurance

  • Option to rebuild roof with stronger, safer materials after a covered loss

  • Score discounts for living in a gated community, making home renovations, having a newer roof, and more

  • Seamlessly submit claims online or through its mobile app

  • Above-average claims satisfaction rating

Cons

  • Below-average customer satisfaction ratings

  • Water backup coverage is more expensive than with other insurers

Company overview

Nationwide is one of the biggest homeowners insurance companies on the market, and has strong financial ratings. The company scored an A+ from A.M. Best, which means they definitely have enough in the piggy bank to pay out expensive claims.

Why Nationwide?

Nationwide’s average rate of $1,955 is slightly above average, but the company’s plethora of discount options makes it possible to score lower rates. You can get a discount on premiums if you have a new roof, live in a gated community, bundle your policies, install protective devices, make renovations to your plumbing or electrical systems, and more. 

Top discounts

  • Multi-policy

  • Prior insurance

  • Smart home

How to get a quote

Online through Policygenius or Nationwide

State Farm

State Farm

State Farm logo

There's a reason State Farm is one of the top-rated insurance companies in the U.S. — its customer satisfaction ratings are through the roof, it offers a slew of coverage add-ons for full protection, and makes filing claims through its mobile app a breeze.

Pros

  • Top-tier coverage add-ons, including equipment breakdown, water backup, and service line coverage

  • Get up to $1 million in personal liability coverage

  • Score discounts for bundling, installing security devices, and choosing a high deductible

  • File and track claims online, over the phone, in person, or through its mobile app

  • High customer satisfaction and financial strength ratings

Cons

  • No discounts for first-time homebuyers or going a year without a claim

Company overview

State Farm is the largest and most popular insurance company in the country, servicing home insurance in all 50 states. State Farm received an A++ rating from A.M. Best, which is the highest rating available. It also scored the fourth highest in J.D. Power’s 2021 Home Insurance Study. 

Why State Farm?

At $2,039 per year, the average cost of homeowners insurance through State Farm is $140 more than the countrywide average. That said, it does offer discounts for bundling, safety features, and a new roof. State Farm is also known for its customer service, digital tools, and easy claims filing, which may make its slightly pricier coverage worth it for some homeowners. 

Top discounts

  • Multi-policy

  • Home security

  • Roofing materials

How to get a quote

Online through State Farm

Cheapest homeowners insurance companies in each state

Your home’s location is one of many factors that impact your homeowners insurance rate. Coverage typically costs more in areas prone to natural disasters, which is why home insurance rates tends to be higher in states like Florida, Texas, Oklahoma, Nebraska, and other places with frequent hurricanes or tornadoes.

But you can often find affordable homeowners insurance anywhere if you take the time to shop around and compare quotes from multiple companies, even in states where homeowners insurance rates skew higher.

According to our analysis, Allstate, Auto-Owners Insurance, and Armed Forces Insurance are the cheapest option for homeowners insurance in five states each — the most of any other company.

StateCheapest home insurance companyAverage annual cost
AlabamaUSAA$1,038
AlaskaWestern National$1,040
ArizonaArmed Forces Insurance$714
ArkansasState Auto$1,616
CaliforniaAllstate$874
ColoradoState Auto$309
ConnecticutVermont Mutual$720
DelawareCumberland Mutual$571
FloridaSecurity First$721
GeorgiaCincinnati Insurance$1,285
HawaiiDB Insurance$286
IdahoAmerican National$508
IllinoisAllstate$1,059
IndianaAllstate$861
IowaWest Bend Mutual$1,013
KansasArmed Forces Insurance$1,132
KentuckyState Auto$1,285
LouisianaArmed Forces Insurance$1,041
MaineVermont Mutual$517
MarylandBrethern Mutual$681
MassachusettsQuincy Mutual$854
MichiganAuto-Owners Insurance$241
MinnesotaAuto-Owners Insurance$1,159
MississippiAllstate$1,372
MissouriArmed Forces Insurance$1,363
MontanaChubb$1,226
NebraskaAmerican Family$1,916
NevadaUniversal Group$769
New HampshireAmerican Family$584
New JerseyCumberland Mutual$508
New MexicoForemost$1,581
New YorkNYCM$676
North CarolinaKemper$791
North DakotaNorth Star Mutual$1,386
OhioWestfield Insurance$819
OklahomaArmed Forces Insurance$3,149
OregonMutual of Enumclaw$431
PennsylvaniaCumberland Mutual$493
Rhode IslandNarragansett Bay$774
South CarolinaUSAA$726
South DakotaState Auto$312
TennesseeState Auto$1,053
TexasFarmers$484
UtahAmerican Family$620
VermontAuto-Owners Insurance$515
VirginiaCincinnati Insurance$873
Washington D.C.Allstate$586
WashingtonChubb$890
West VirginiaUSAA$1,073
WisconsinWest Bend Mutual$820
WyomingUSAA$711

Cheapest home insurance by dwelling coverage amount

Dwelling coverage is the part of your homeowners insurance policy that pays to repair your house in the event it’s damaged.

You should have enough of this coverage to cover your home’s replacement cost, which is the amount it would take to rebuild your home from the ground up after a disaster. This amount is based on things like your home’s square footage and the current price of labor and construction materials in your area — not the home’s market value or purchase price. 

Assuming all other cost-related factors are equal, a house with a dwelling coverage limit of, say, $300,000 will have higher rates than a home with $200,000 in coverage. But every company prices coverage differently. In fact, you may find that an insurer has cheap rates at one level coverage, but is relatively pricier at another.

Cheapest companies by replacement cost amount

  • $100,000 - AAA

  • $200,000 - State Auto

  • $300,000 - National General

  • $400,000 - National General

  • $500,000 - State Auto

National General and State Auto have the most affordable rates for properties with a replacement cost of $200,000 or more, while AAA has the best deal on coverage for homes with low dwelling coverage limits. The table below highlights the 10 cheapest companies for different levels of coverage and their respective rate.

Insurance company$100,000$200,000$300,000$400,000$500,000
AAA$794$1,281$1,818$2,350$2,892
Allstate$809$1,177$1,596$2,035$2,509
American Family$727$1,115$1,491$1,855$2,220
Auto-Owners Insurance$716$1,002$1,283$1,590$1,902
Cincinnati Insurance$564$907$1,302$1,666$2,103
Erie$606$957$1,346$1,754$2,135
National General$559$771$1,007$1,288$1,600
Nationwide$880$1,407$1,955$2,512$3,140
State Auto$530$764$1,008$1,295$1,575
USAA$743$1,105$1,432$1,725$2,009

Cheapest home insurance by deductible amount

Your deductible is the amount you are required to pay out of pocket before your insurance will kick in to cover the cost of repairs. Your deductible directly affects your homeowners insurance premiums.

A high deductible generally means cheaper homeowners insurance, but be careful about raising it to an amount that you won’t be able to afford in the event of a claim. 

Here’s a look at what different insurance companies charge for different deductible amounts. This is based on a homeowners insurance policy with $300,000 in dwelling coverage.

Insurance company$500$1,000$2,000
AAA$2,028$1,818$1,621
Allstate$1,776$1,596$1,104
Erie$1,446$1,346$1,259
Farmers$1,941$1,874$1,008
Nationwide$1,951$1,955$1,781
State Auto$1,056$1,008$417*
State Farm$2,327$2,039$1,551
USAA$1,090$1,432$332

*Rate is for a $2,500 deductible policy

Cheapest home insurance from smaller companies

While major home insurance providers tend to offer the most convenience thanks to agent availability in most states and multi-policy insurance bundles, you can often find cheaper and better coverage with small or regional insurers. 

Here’s our picks for the cheapest (and best) small home insurance companies.

Insurance companyAverage annual cost
NYCM$676
Plymouth Rock$1,022
Co-operative Insurance$1,135
Tower Hill$1,189
Hippo$1,189

Cheapest homeowners insurance for high-risk homes

There are several factors that insurance companies consider “high risk." While most of these have to do with the home itself, they’ll also consider factors related to you and your lifestyle, including your claims history, credit score, and whether you have any “attractive nuisances” (aka liability risks) on your property. 

In this section, we look at the cheapest home insurance companies for individuals with a poor credit score, owners of dangerous dog breeds, and pool owners.

​​Cheapest home insurance if you have poor credit

Insurance companies will consider your credit score when calculating your rates. This is one of many factors that insurers use to gauge how likely you are to file a claim. Insurance companies view homeowners with poor credit as more likely to file claims for small damages or losses, so they’ll often charge higher rates as a result. 

The table below highlights the cheapest home insurance companies for a homeowner with poor credit.

Insurance companyAverage annual cost
National General$1,300
American Family$2,184
USAA$2,264
Nationwide$2,655
Allstate$2,705
State Auto$2,908

Cheapest home insurance for aggressive dog breeds

Liability coverage is the part of your homeowners insurance policy that pays for medical or legal bills in the event you’re legally responsible for property damage or an injury. 

If you own a so-called aggressive dog breed — like a Rottweiler or pit bull — your insurer may exclude liability coverage for the dog or refuse to insure you altogether. If they do agree to cover you and your pup, your rates will likely be higher to account for the increased liability risk.

The table below highlights the cheapest homeowners insurance companies for a homeowner with an aggressive dog breed. 

Insurance companyAverage annual cost
National General$1,007
State Auto$1,008
AIG$1,107
Tower Hill$1,189
Auto-Owners Insurance$1,283
Erie$1,346
USAA$1,432

Cheapest home insurance if you have a pool

Insurance companies view pools as an “attractive nuisance” since they attract people (particularly children) onto your property and pose a risk to their safety. And for that reason, insurers will generally charge pool owners higher rates to offset the heightened liability.

The table below highlights the cheapest homeowners insurance companies for a house with a pool.

Insurance companyAverage annual cost
State Auto$1,008
National General$1,057
AIG$1,116
The Cincinnati Insurance Companies$1,302
Auto-Owners Insurance$1,307
USAA$1,432

How to get cheap homeowners insurance

When you’re shopping for homeowners insurance, here are eight ways to cut down on costs.

  1. Compare rates from at least three insurance companies through Policygenius. Shopping for coverage using an insurance marketplace like Policygenius is a good way to ensure you’re not missing out on any deals. Simply enter information about yourself and your home, and we’ll crunch the numbers for you to find the best companies at the lowest rates.

  2. Get an accurate replacement cost estimate of your home. If you’re comparing quotes using an inaccurate replacement cost estimate — the cost to rebuild your home — you risk paying too much for dwelling coverage. To get an updated rebuild estimate, use our homeowners insurance calculator or consult an appraiser who specializes in replacement cost appraisals.

  3. Raise your deductible. Your deductible is the amount you pay out of pocket after a loss before your insurance kicks in. A higher deductible could mean significantly cheaper insurance premiums, but higher out-of-pocket expenses in the event of a claim. If you raise your deductible from $500 to $1,000, you may save as much as 25% on your homeowners insurance premiums. 

  4. Maintain good credit. A good credit score is a sign of financial health and stability. Insurance companies reward a better credit score with lower rates. Limiting the amount of new credit accounts you apply for, paying down on revolving account balances, and doubling your monthly payments can all improve your credit score.

  5. Bundle your policies. Bundling your home and auto policies often mean discounts. In most cases, you’ll only have to pay one bill, and some even only require a single deductible on claims involving damage to your home and car.

  6. Add a home security system. Some insurance companies offer home security discounts of up to 15% for adding deadbolts, smart locks, burglar alarms, or a fully monitored home security system to your home.

  7. Consider fortifying your home against natural disasters. Most insurance companies will discount your rates if you install storm-proof windows or stronger roofing materials to protect your home against natural disasters. 

  8. Utilize available discounts. In addition to discounts for bundling policies and installing safety features, most insurers offer additional discounts if your home is new or renovated, if you’ve been claims-free for a certain number of years, if you live in a gated community, and more. A Policygenius agent can help you find which discounts you qualify for.

What impacts homeowners insurance premiums?

Insurance companies consider several different factors when calculating your homeowners insurance premiums. Below are a few examples. 

  • Your home’s location and age

  • The condition of your roof

  • Your claims history

  • Home safety and protective features

  • Your home’s wiring and plumbing systems

  • Your credit history

→ Learn more about what impacts homeowners insurance premiums

Frequently asked questions

Can you still get cheap homeowners insurance with a bad roof?

It’s possible, but you’ll need to shop around. The age and condition of your roof is a big factor in your home insurance costs. Some insurers may refuse to cover you if your roof is above a certain age. Others may agree to cover you under the condition that you repair or replace your roof within a certain timeframe.

→ Learn more about how to get home insurance with a bad roof

Can you get cheap homeowners insurance if you have bad credit?

It’s possible, but you’ll need to shop around to find a company that’s friendly toward low-credit homeowners. Some insurance companies weigh your credit score higher in determining your rates than others. In general, if your credit score is low, you’ll probably get higher quotes compared to homeowners with higher scores.

→Learn more about how your credit score affects your home insurance premiums

How do you compare homeowners insurance quotes?

You can compare homeowners insurance quotes through Policygenius. One of our expert agents can help you choose the best coverage for your needs, get you quotes from multiple top carriers, and then compare your options to choose the best policy for the best price.

Who has the cheapest home insurance?

We found that State Auto, Plymouth Rock, Erie, USAA, Allstate, AAA, and Farmers all offer below-average homeowners insurance rates. That said, insurance premiums vary from state, city, and even ZIP code. Plus, most insurers offer discounts to help you keep down on costs.