Cheapest homeowners insurance companies of 2023

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By

Pat HowardPat HowardManaging Editor & Licensed Home Insurance ExpertPat Howard is a managing editor and licensed home insurance expert 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 McGinleyKara McGinleySenior Editor & Licensed Home Insurance ExpertKara McGinley is a former senior editor and licensed home insurance expert at Policygenius, where she specialized in homeowners and renters insurance. As a journalist and as an insurance expert, her work and insights have been featured in Forbes Advisor, Kiplinger, Lifehacker, MSN, WRAL.com, and elsewhere.

Edited by

Jennifer GimbelJennifer GimbelSenior Managing Editor & Home Insurance ExpertJennifer Gimbel is a senior managing editor and home insurance expert at Policygenius, where she oversees our homeowners insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.
Expert reviewedExpert reviewedThis 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.

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Fabio Faschi, PLCS, SBCS, CLCSFabio Faschi, PLCS, SBCS, CLCSLicensed Property & Casualty Insurance ExpertFabio 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.

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Top 5 cheapest homeowners insurance companies of 2023

Home insurance premiums were up 12.1% last year, according to the Policygenius Home Insurance Pricing Report. This is why it’s more important than ever to compare home insurance companies to find the best policy at the cheapest price.

Based on our analysis of average premiums of top home insurance companies by market share, we found that Erie, Auto-Owners Insurance, and USAA are the three cheapest homeowners insurance companies. However, Erie and Auto-Owners are only available in a limited number of states, and USAA only insures active-duty military, veterans, and their families. 

If you’re not eligible for coverage with these companies, compare rates from Homesite or Travelers — two widely available insurers also included on our list of the best and cheapest home insurance companies of 2023.

Company

Average annual cost

% difference from national average

Policygenius rating

Erie

$1,284

39% cheaper

4.5 out of 5

Auto-Owners Insurance

$1,406

30% cheaper

5 out of 5

USAA

$1,479

25% cheaper

4.9 out of 5

Homesite

$1,487

24% cheaper

4.3 out of 5

Travelers

$1,568

19% cheaper

4.4 out of 5

Methodology: Why you can trust our picks for the cheapest home insurance companies

At Policygenius, our educational guides are written and fact-checked by licensed home insurance experts and reviewed by our Financial Review Council to ensure autonomy, expertise, and accuracy.

To find the top 5 cheapest home insurance companies in 2023, we analyzed average annual premiums from 128 companies based on rate data from Quadrant Information Services. With many of these companies only being available in one or two states, we only reviewed the largest companies and regional companies that are available in at least five states — this trimmed our list to 30.

It was important to us that our top picks offered cheap but high-quality coverage with wide state availability, so we also looked at each company’s financial strength ratings with AM Best, customer satisfaction scores with J.D. Power, and market share to ensure you find the best home insurance for your needs.

For a more detailed breakdown of the Policygenius scoring process, check out our full homeowners insurance ratings methodology.

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

Deep dive into the cheapest home insurance companies

Here's a more in-depth look at some of the most affordable home insurance companies in the U.S., including discount opportunities, state availability, policy perks, and just how cheap their rates are compared to the national average.

Erie

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

A.M. Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Offers flood insurance

Mobile app

Smart home discounts

Why we chose it

Erie earns the top spot on our cheapest home insurance companies list thanks to its average annual premium that's 39% below the national average and stellar customer service ratings to boot.

Pros and cons

Pros

  • Cheap rates

  • Guaranteed replacement cost comes standard on Erie policies

  • Excellent customer service and claims satisfaction ratings

Cons

  • Only available in 12 states

  • Just three available discounts

  • Can’t get quotes or file claims online

More details

Average cost: $1,284 per year

Discounts offered

  • Multi-policy

  • Alarm systems and safety devices

  • Advanced quote

State availability

Erie homeowners insurance is available in the following 12 states and Washington, D.C.:

Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, and West Virginia.

Auto-Owners Insurance

Auto-Owners home insurance logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starFull orange star

5.0

AM Best rating 

A.M. Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Mobile app

Smart home discounts

Offers flood insurance

Why we chose it

Auto-Owners lands the No. 2 spot on our cheapest home insurance companies list thanks to its average annual rates that are 30% below the national average and up to a dozen potential discounts to help further your savings.

Pros and cons

Pros

  • Affordable rates

  • Several additional coverage options

  • Up to 12 available discounts

Cons

  • Only available in 26 states

  • Not able to get quotes or file claims online

More details

Average cost: $1,406 per year

Discounts offered

  • Multi-policy

  • Protective devices

  • Water shutoff system

  • Automatic backup generator

  • Claim-free

  • Mortgage-free

  • Mature homebuyer

  • Payment history

  • Green home

  • Advanced quote

  • Paid-in-full

State availability

Auto-Owners home insurance is available in the following 26 states:

Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, North Carolina, North Dakota, Ohio, Pennsylvania, South Carolina, South Dakota, Tennessee, Utah, Virginia, and Wisconsin

USAA

USAA logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.9

AM Best rating 

A.M. Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

All 50 states

Bundle home & auto

Mobile app

Smart home discounts

Offers extended replacement cost

Offers flood insurance

Offers earthquake insurance

Why we chose it

USAA earns the third spot on our cheapest home insurance companies list thanks to its average annual rates that are 25% below the national average, industry-best customer service, and slew of home insurance discounts available.

Pros and cons

Pros

  • Affordable rates

  • Over a dozen additional coverage options

  • Industry-best customer service and claims satisfaction ratings

Cons

  • Limited to people affiliated with the U.S. military

More details

Average cost: $1,479 per year

Discounts offered

  • Home and auto bundle

  • Other multi-policy

  • Protective devices

  • Connected home

  • Claims-free

  • Loyalty

State availability

USAA homeowners insurance is available in all 50 states and Washington, D.C.

Homesite

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.3

AM Best rating 

A.M. Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

All 50 states

Bundle home & auto

Offers earthquake insurance

Offers flood insurance

Smart home discounts

New homebuyer discount

Offers extended replacement cost

Offers wildfire insurance

Why we chose it

Homesite earns a spot on our cheapest home insurance companies list thanks to its average annual rates that are 24% below the national average and nine discount opportunities to lower your rates even more.

Pros and cons

Pros

  • Affordable rates nearly 25% cheaper than the national average

  • 15 policy add-ons for extra protection, including extended replacement cost coverage

  • Offers flood and earthquake insurance, plus complimentary wildfire protection and mitigation services

Cons

  • Low score in J.D. Power’s claims satisfaction study

More details

Average rate: $1,487 per year

Discounts offered

  • New home purchase

  • Switching from a Homesite renters or condo policy

  • Bundling home and auto

  • Retired occupant

  • Fire protection system

  • Burglar alarms

  • Age of roof

  • Age of home

  • Opting for a Homesite endorsement package

State availability

Homesite offers home insurance policies in all 50 states and Washington, D.C.

Travelers

Travelers home insurance logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.4

AM Best rating 

A.M. Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

New homebuyer discount

Mobile app

Offers extended replacement cost

Offers flood insurance

Why we chose it

Travelers tops off our list of the cheapest home insurance companies thanks to its average annual rate that's 19% below the national average, industry-best financial ratings, and flexible policy options for most home types and budgets.

Pros and cons

Pros

  • Green home coverage and discounts

  • Offers short-term rental coverage for Airbnb hosts

  • Doesn’t require prior insurance on the home

Cons

  • Subpar customer service ratings with J.D. Power

  • Underwhelming number of available discounts

More details

Average cost: $1,568 per year

Discounts offered

  • Multi-policy

  • Protective devices

  • Claims-free

  • New homebuyer

  • Green home

State availability

Travelers homeowners insurance is available in 48 states and Washington, D.C. — it is not available in Florida or California. 

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Cheapest home insurance rates by state

Home insurance typically costs more in states prone to natural disasters, which is why home insurance rates tend to be higher in Florida, Texas, Oklahoma, Nebraska, and other places with frequent hurricanes or tornadoes.

But even in states where rates skew higher, you can often find affordable homeowners insurance rates. According to our analysis of rates in each state, Allstate and State Auto offer the cheapest home insurance in the most states.

State

Cheapest company

Average annual cost

Alabama

USAA

$1,035

Alaska

Western National

$1,040

Arizona

Armed Forces Insurance

$714

Arkansas

State Auto

$1,608

California

Allstate

$868

Colorado

State Auto

$308

Connecticut

Vermont Mutual

$692

Delaware

Cumberland Mutual

$544

District of Columbia

Chubb

$890

Florida

Security First Insurance

$713

Georgia

Cincinnati Insurance

$1,270

Hawaii

DB Insurance

$286

Idaho

American National

$508

Illinois

Auto-Owners Insurance

$1,011

Indiana

Allstate

$856

Iowa

West Bend Mutual

$1,014

Kansas

Armed Forces Insurance

$1,132

Kentucky

State Auto

$1,273

Louisiana

Armed Forces Insurance

$1,037

Maine

Vermont Mutual

$517

Maryland

Brethern Mutual

$656

Massachusetts

Quincy Mutual

$836

Michigan

Auto-Owners Insurance

$236

Minnesota

Auto-Owners Insurance

$1,158

Mississippi

Allstate

$1,372

Missouri

Armed Forces Insurance

$1,363

Montana

Chubb

$1,226

Nebraska

American Family

$1,919

Nevada

Universal Group

$769

New Hampshire

NGM Insurance

$581

New Jersey

Cumberland Mutual

$481

New Mexico

Farmers

$1,581

New York

NYCM Insurance

$659

North Carolina

Kemper

$708

North Dakota

North Star Mutual

$1,382

Ohio

Westfield Insurance

$813

Oklahoma

Allstate

$3,086

Oregon

Mutual of Enumclaw Insurance

$430

Pennsylvania

Cumberland Mutual

$480

Rhode Island

Narragansett Bay

$770

South Carolina

USAA

$726

South Dakota

State Auto

$312

Tennessee

State Auto

$1,048

Texas

Farmers

$478

Utah

American Family

$617

Vermont

Auto-Owners Insurance

$515

Virginia

Cincinnati Insurance

$828

Washington

Allstate

$586

West Virginia

USAA

$1,072

Wisconsin

West Bend Mutual

$817

Wyoming

USAA

$711

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Cheapest home insurance rates by city

Your city and even your specific ZIP code can also impact your home insurance premiums. Cities or ZIPs with a high rate of burglary or arson often see higher rates and more restricted coverage than cities with less regional risk. 

According to our analysis of the 20 biggest cities in the U.S., Farmers, CSAA, and Allstate offer the most affordable homeowners insurance premiums in more major cities than any other company.

City

Cheapest company

Average annual cost

Austin

Farmers

$475

Charlotte

Kemper

$798

Chicago

Allstate

$1,171

Columbus

American Select Insurance

$820

Dallas

Farmers

$556

Denver

State Auto

$336

Fort Worth

Farmers

$400

Houston

Farmers

$497

Indianapolis

Farmers

$519

Jacksonville

Allstate

$992

Las Vegas

Universal North America

$869

Los Angeles

Allstate

$818

New York City

NYCM

$1,091

Philadelphia

American Select Insurance

$936

Phoenix

Armed Forces Insurance

$725

San Antonio

Farmers

$518

San Diego

USAA

$810

San Francisco

CSAA

$800

San Jose

CSAA

$724

Seattle

Allstate

$586

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Cheapest homeowners insurance by dwelling coverage amount

Your insurance premiums are primarily based on how much dwelling coverage you need to repair or rebuild your house in the event of a disaster. Your dwelling limit 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 your remaining mortgage balance.

Below are the most affordable home insurance companies for various levels of dwelling coverage. Narragansett Bay has the lowest average annual premium for a policy with $100,000 in coverage, while USAA is the cheapest company for policies with $200,000 to $500,000 in coverage.

Company

$100k dwelling

$200k dwelling

$300k dwelling

$400k dwelling

$500k dwelling

USAA

$743

$1,105

$1,432

$1,725

$2,009

American Family

$727

$1,115

$1,491

$1,855

$2,220

Narragansett Bay

$634

$1,078

$1,558

$2,011

$2,472

Allstate

$809

$1,177

$1,596

$2,035

$2,509

Universal Property

$781

$1,152

$1,667

$2,361

$3,009

Cheapest homeowners insurance for bundling

Below are five of the cheapest home insurance for multi-policy discount deals. If you need both home and auto insurance and you’re interested in bundling, you might want to consider State Farm first.

Company

Average annual rate with discount

Average savings

State Farm

$1,487

30%

California Casualty

$1,493

18%

AAA

$1,496

20%

Mercury

$1,581

17%

Grange Insurance

$1,610

6%

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Cheapest homeowners insurance if you have a history of claims

Some insurance companies will increase your rates after a single claim, while others may outright deny you coverage if you have multiple claims on your record. Below are the five cheapest home insurance companies for a homeowner with three claims over a five-year period, with Auto-Owners’ average annual rate of $1,365 being the lowest.

Company

Average annual cost

Auto-Owners Insurance

$1,365

AIG

$1,608

Narragansett Bay

$1,926

Farmers

$2,005

USAA

$2,023

Cheapest homeowners insurance for older homes

Some insurers also consider older homes to be high risk due to the increased chance of structural damage and water damage due to plumbing leaks. Older homes are also generally built with more obsolete materials that can be expensive to replace.

With an average annual premium of $1,159, Auto-Owners’ average older home premium is nearly $800 lower than the next cheapest company.

Company

Average annual cost

Auto-Owners Insurance

$1,159

Travelers

$1,930

AIG

$2,047

Hippo

$2,085

AAA

$2,579

Cheapest homeowners insurance if you have a dangerous dog breed

Home insurance companies often consider so-called aggressive dog breeds, like Rottweilers and pit bulls, to be a liability concern due to the chance of bites or attacks. If you own one of these breeds, your insurer could charge you higher premiums to offset the heightened risk.

With an average annual rate of $1,191, Cincinnati Insurance offers the best price on home insurance for homeowners with an aggressive dog breed.

Company

Average annual cost

Cincinnati Insurance

$1,191

Narragansett Bay

$1,429

AIG

$1,473

State Farm

$1,505

Auto-Owners Insurance

$1,507

Home

What impacts homeowners insurance premiums?

Insurance companies consider several 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 how home insurance rates are calculated

Cheapest homeowners insurance for high-deductible policies

Many insurance companies offer discount options and cheaper rates if you choose a high out-of-pocket deductible, but be careful about increasing it to an amount that you won’t be able to afford in the event of a claim.

Below are the companies that offer the most affordable rates for high-deductible policies. While Auto-Owners Insurance provides the cheapest average rates, State Farm and Hippo offer the biggest average savings.

Company

Average annual rate with discount

Average savings

Auto-Owners Insurance

$713

18%

AIG

$1,020

3%

Hippo

$1,071

49%

Farmers

$1,131

15%

Cincinnati Insurance

$1,170

13%

Cheapest homeowners insurance for new homeowners

Most insurance companies also offer discounts to policyholders with new homes — or homes that are anywhere from 0 to 10 years old. According to our research, Auto-Owners Insurance and AAA top our list of the cheapest rates for new homeowners.

Company

Average annual rate with discount

Average savings

Auto-Owners Insurance

$712

19%

AAA

$1,295

31%

Travelers

$1,324

16%

The Hartford

$1,479

41%

Cheapest homeowners insurance for low-income families

While insurance companies can't use your annual income to determine your home insurance premiums, in most U.S. states they are allowed to factor in your credit score. Generally speaking, this tends to adversely impact low-income families more than others.

However, there's a number of ways for low-income homeowners to keep their premiums down, such as bundling home and car insurance, looking into various discounts, and shopping around for cheaper rates.

Based on our analysis, Hippo, Allstate, Narragansett Bay, Cincinnati Insurance, and Travelers offer the most affordable home insurance coverage for homeowners with a poor credit score.

Company

Average annual cost

Hippo

$1,559

Allstate

$1,613

Narragansett Bay

$1,765

Cincinnati Insurance

$1,766

Travelers

$1,789

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Cheapest homeowners insurance from smaller companies

While major home insurance providers tend to offer the most convenience, nationwide availability, and multi-policy bundling perks, you can often find cheaper and better coverage with small or regional insurers. 

If you’re looking for personalized customer service and claims handling from a local agent, consider one of the following cheap regional home insurance companies.

Company

Average annual rate

First Insurance Company of Hawaii

$437

NYCM Insurance

$659

Mutual of Enumclaw Insurance

$661

Texas Farm Bureau

$700

PEMCO

$736

NJM Insurance

$776

State Auto

$857

Kemper

$954

Plymouth Rock

$1,002

MAPFRE

$1,081

Tower Hill

$1,128

Erie

$1,287

Narragansett Bay

$1,373

California Casualty

$1,484

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How to get cheap home insurance

When getting homeowners insurance quotes, there are several things you can do to ensure you’re not overpaying for coverage. Below are the best ways to keep your home insurance costs low.

How to get cheap home insurance in 6 easy steps

  1. Compare quotes from at least 3 companies: Shopping for home insurance through an accredited insurance marketplace like Policygenius is an easy way to compare policies and rates to help keep costs down. 

  2. Make sure your insurance limits are correct: When comparing quotes, it’s important to make sure your home’s dwelling estimate is in line with the actual cost to rebuild. If this amount is higher than your home’s true replacement cost, then you run the risk of significantly overpaying for home insurance. If it’s lower, then you risk being underinsured — or without enough home insurance to rebuild after a disaster. 

  3. Increase your out-of-pocket deductible: Increasing your policy deductible is one of the easiest ways to lower your home insurance premiums. But it also could leave you paying too much out of pocket when you make a claim. Keep this in mind when adjusting your deductible amount.

  4. Improve your credit score: 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 revolving account balances, and doubling your monthly payments can all improve your credit score.

  5. Bundle home and auto policies: Bundling home and auto insurance policies can save you up to 30% on home insurance premiums. Package deals on insurance also come with added perks, including one bill and single-deductible claims if your home and car are damaged in the same event.

  6. Add protective features to your home: Some insurance companies offer home security discounts of up to 15% if you add smart home devices, home security systems, and other protective devices to your home. Insurers in natural disaster-prone states like Florida and Texas also offer significant wind mitigation discounts if you disaster-proof your home. Everything from installing storm-proof windows to upgrading to hurricane-grade roof shingles may help you land major savings. 

Bottom line: Is cheap homeowners insurance best for me?

When deciding on a policy, you may be tempted to go with the cheapest homeowners insurance quote or a policy with comparably worse coverage but more affordable premiums than others. 

Before doing this, consider the fact that while you may save on premiums in the short term, you could find yourself in a tough spot should you have to file a claim — potentially costing you more in the long run. 

In other words, you’ll likely see cheaper rates if you lower your dwelling coverage limit or switch to a less comprehensive type of home insurance (like an HO-1 or HO-2). But doing this could also leave you underinsured and unable to rebuild after a disaster, or your policy may simply not be broad enough to cover the type of damage or loss you’re claiming. 

In both cases, you’re potentially having to pay tens of thousands of dollars out of pocket to get your home back to its original condition. That’s why it’s important to pick a company that offers a mix of affordable rates, financial stability, dependable customer service and claims handling, and high-quality coverage options that work for your home.

Find the best cheap homeowners insurance near you

Below are the most highly-rated insurers in each state, according to our analysis of the best home insurance companies in the U.S. Click on your state for our guide to the best available home insurance where you live.

State

Top-rated company

Average annual cost

Alabama

USAA

$1,035

Alaska

USAA

$1,712

Arizona

USAA

$856

Arkansas

USAA

$2,476

California

USAA

$994

Colorado

USAA

$2,286

Connecticut

USAA

$1,233

Delaware

Allstate

$1,102

District of Columbia

USAA

$990

Florida

State Farm

$2,128

Georgia

USAA

$1,639

Hawaii

Allstate

$471

Idaho

USAA

$1,143

Illinois

USAA

$1,387

Indiana

USAA

$1,340

Iowa

USAA

$1,796

Kansas

Auto-Owners Insurance

$2,172

Kentucky

Auto-Owners Insurance

$2,489

Louisiana

USAA

$2,504

Maine

Auto-Owners Insurance

$704

Maryland

USAA

$1,351

Massachusetts

USAA

$1,257

Michigan

USAA

$1,352

Minnesota

Auto-Owners Insurance

$1,158

Mississippi

USAA

$2,032

Missouri

USAA

$1,791

Montana

USAA

$1,642

Nebraska

USAA

$2,989

Nevada

USAA

$955

New Hampshire

USAA

$1,089

New Jersey

USAA

$1,100

New Mexico

State Farm

$1,796

New York

Allstate

$1,522

North Carolina

USAA

$1,939

North Dakota

Auto-Owners Insurance

$2,155

Ohio

USAA

$1,187

Oklahoma

USAA

$3,957

Oregon

USAA

$1,080

Pennsylvania

USAA

$880

Rhode Island

Allstate

$1,403

South Carolina

USAA

$726

South Dakota

USAA

$2,312

Tennessee

USAA

$1,646

Texas

USAA

$2,609

Utah

USAA

$1,197

Vermont

USAA

$881

Virginia

Auto-Owners Insurance

$1,240

Washington

USAA

$1,023

West Virginia

USAA

$1,072

Wisconsin

USAA

$1,135

Wyoming

USAA

$711

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Frequently asked questions

Can you get cheap homeowners insurance with a bad roof?

It’s possible to get cheap homeowners insurance with a bad roof, but you’ll want 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.

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

Some companies, like Hippo and Allstate, offer cheap home insurance to homeowners with bad credit, and there are other low-credit friendly companies out there. But in general, if your credit score is low, you’ll probably be quoted higher rates compared to homeowners with higher scores.

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 insurers, and then compare your options to choose the best policy for the best price.

Who has the cheapest home insurance?

We found that Erie, Auto-Owners Insurance, USAA, Homesite, and Travelers offer the cheapest homeowners insurance rates in the U.S.

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Authors

Pat Howard is a managing editor and licensed home insurance expert 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 is a former senior editor and licensed home insurance expert at Policygenius, where she specialized in homeowners and renters insurance. As a journalist and as an insurance expert, her work and insights have been featured in Forbes Advisor, Kiplinger, Lifehacker, MSN, WRAL.com, and elsewhere.

Editor

Jennifer Gimbel is a senior managing editor and home insurance expert at Policygenius, where she oversees our homeowners insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

Expert reviewer

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.

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