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Driver age	Cheapest national company	Cheapest regional company
16	State Farm	Erie and COUNTRY
17	State Farm	Erie
18	State Farm*	COUNTRY
19	State Farm	Erie
20	State Farm	Erie
21	GEICO	Erie
25	GEICO	Erie
30	GEICO	MAPFRE
35	State Farm*	MAPFRE
45	State Farm*	MAPFRE
55	GEICO	MAPFRE
60	State Farm*	MAPFRE
65	State Farm*	MAPFRE
70	State Farm*	MAPFRE

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Age	Gender	$250,000 coverage amount	$500,000 coverage amount	$1 million coverage amount
25 years old	Female	$35.43	$59.10	$104.51
	Male	$43.62	$74.65	$132.31
35 years old	Female	$45.12	$79.58	$139.06
	Male	$54.31	$95.62	$174.14
45 years old	Female	$91.25	$167.70	$308.93
	Male	$121.61	$226.26	$425.26
55 years old	Female	$203.32	$378.68	$697.19
	Male	$288.03	$534.00	$1,006.82

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Your 401k misses President Trump. - Rep. Jim Jordan (@Jim_Jordan) May 9, 2022

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Find average rates in your zip code

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Flood insurance may cost you more

Coverage limits

How much you opt for dwelling coverage and any extra coverage add-ons is directly tied to your insurance premiums. Higher coverage limits and more specialized coverage add-ons equals higher rates.

Deductible

Policy deductibles are the amount you pay out of pocket for every claim you file before your insurance company kicks in to cover the rest. You can typically choose a deductible between $500 and $2,000. Low-deductible policies spell higher premiums, and vice versa.

Discounts you qualify for

Homeowners insurance companies offer discounted rates for everything from bundling your home and auto policies, to working in a certain profession (like for educators or civil servants), to paying your premiums up front for the year.

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Company	Policygenius rating	Best for
Amica	4.2	Claims satisfaction
GEICO	4.6	Discounts
Safeco	4	Coverage options

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Find average rates in your zip code

Avg. annual premium:

Average annual premium:

$_____

Estimate your home insurance cost

Select your state to see the average homeowners insurance rate

Avg. annual premium:

Average annual premium:

$_____

Estimate your home insurance cost

Select your state to see the average homeowners insurance rate

Rising inflation

Your home’s dwelling coverage limit is based on the cost to rebuild, including the cost of lumber, roofing, and other raw materials. Ongoing supply chain issues have pushed the price of construction materials up roughly 36% since the start of the pandemic, according to the National Association of Home Builders (NAHB). This has caused both home prices and insurance costs to skyrocket.

Severe natural disasters

Climate change has increased both the length and severity of the hurricane and wildfire seasons in the U.S., causing many insurance companies to increase rates or stop offering coverage in high-risk areas altogether. When there’s fewer companies doing business in a particular area, the ones left are forced to establish stricter underwriting rules and increase rates on new and existing customers.

Record catastrophe losses

There were 97 natural disasters resulting in $92 billion in insured losses in 2021, according to the Insurance Information Institute (III). This is up from 92 events totaling $74 billion in losses in 2020. As a result, insurers have had to increase rates to account for higher reconstruction costs in affected areas, and to make up for the record losses.

Labor shortages

Rising rebuild costs are in part due to the labor shortage currently plaguing the construction industry. A recent NAHB survey found that 76% of builders reported a labor shortage in October 2021, an all-time record and up from the previous peak of 65% in 2018. This shortage has collided with a heightened rebuild demand in recent years due to increased natural disasters, sending insurance premiums skyward.

Lawsuits

In 2021, there were over 116,000 lawsuits filed against home insurance companies in Florida over fraudulent roof repair claims. The losses stemming from these lawsuits have crippled the insurance industry in Florida, forcing many providers to increase rates significantly.

Average car insurance rates by city

The city with the most expensive car insurance prices is Detroit, where coverage costs $446 per month, or $5,357 per year — that’s $3,705 more each year than the national average rate. New York City, New Orleans, Miami, and Tampa follow Detroit as the most expensive cities for car insurance.

City	Average annual cost
Abilene, TX	$1,665
Albany, NY	$1,593
Albuquerque, NM	$1,711
Alexandria, VA	$1,452
Amarillo, TX	$1,929
Anchorage, AK	$1,601
Arlington, TX	$1,926
Athens, GA	$1,567
Atlanta, GA	$2,137
Augusta, GA	$1,908
Austin, TX	$1,856
Bakersfield, CA	$1,953
Baltimore, MD	$2,956
Baton Rouge, LA	$3,490
Beaumont, TX	$1,529
Bellevue, WA	$1,897
Billings, MT	$1,853
Birmingham, AL	$1,971
Blue Springs, MO	$1,568
Boston, MA	$2,053
Bowling Green, KY	$1,584
Brownsville, TX	$2,113
Buffalo, NY	$1,328
Charleston, SC	$1,864
Charlotte, NC	$1,179
Chattanooga, TN	$1,276
Chicago, IL	$2,040
Chula Vista, CA	$1,812
Cleveland, OH	$1,227
Colorado Springs, CO	$1,980
Columbia mo, MO	$1,431
Columbia sc, SC	$1,864
Columbus Ga, GA	$1,729
Columbus Oh, OH	$1,038
Corpus Christi, TX	$1,840
Cumming, GA	$1,961
Dallas, TX	$2,192
Dayton, OH	$1,117
Denver, CO	$2,049
Detroit, MI	$5,357
Dothan, AL	$1,546
El Paso, TX	$1,821
Fargo, ND	$1,210
Farmington, NM	$1,329
Fayetteville, NC	$1,682
Flint, MI	$2,995
Fort Myers, FL	$2,598
Fort Wayne, IN	$1,219
Fort Worth, TX	$1,910
Fredericksburg, TX	$1,751
Fresno, CA	$2,438
Gainesville, FL	$2,283
Grand Rapids, MN	$1,418
Greeley, CO	$1,678
Greensboro, NC	$1,032
Henderson, NV	$2,447
Honolulu, HI	$1,200
Houston, TX	$2,245
Huntsville, AL	$1,708
Indianapolis, IN	$1,322
Jackson, TN	$1,362
Jacksonville, FL	$2,832
Jonesboro, AR	$1,737
Kansas City, MO	$1,808
Killeen, TX	$1,529
Knoxville, TN	$1,278
Lafayette, LA	$3,010
Lakeland, FL	$2,780
Lakewood, CO	$1,751
Lansing, MI	$2,215
Laredo, TX	$1,823
Las Cruces, NM	$1,346
Las Vegas, NV	$2,806
Lexington, KY	$1,678
Lincoln Ne, NE	$1,505
Little Rock, AR	$1,994
Loganville, GA	$1,842
Longview, TX	$1,804
Los Angeles, CA	$2,642
Louisville, KY	$2,420
Lubbock, TX	$1,805
Macon, GA	$1,838
Madison, WI	$1,062
Manhattan ks, KS	$1,604
Martinsburg, WV	$1,432
Melbourne, FL	$2,426
Memphis, TN	$1,700
Mesa, AZ	$1,701
Miami, FL	$4,222
Midland, TX	$1,676
Milwaukee, WI	$1,490
Minneapolis, MN	$1,858
Montgomery, AL	$1,741
Mooresville, NC	$1,009
Murfreesboro, TN	$1,273
Murrieta, CA	$1,768
Naples, FL	$2,431
Nashville, TN	$1,407
New Orleans, LA	$4,508
New York City, NY	$4,822
Ocala, FL	$2,914
Odessa, TX	$1,795
Oklahoma City, OK	$1,928
Olathe, KS	$1,477
Omaha, NE	$1,786
Orlando, FL	$3,060
Palm Coast, FL	$2,914
Palmdale, CA	$2,114
Park Ridge, NJ	$2,019
Pensacola, FL	$2,686
Peoria, IL	$1,357
Philadelphia, PA	$2,964
Phoenix, AZ	$1,988
Plano, TX	$1,899
Portland, OR	$1,461
Pueblo, CO	$2,015
Raleigh, NC	$1,019
Redding, CA	$1,509
Reno, NV	$1,827
Richmond, VA	$1,430
Rochester, NY	$1,516
Rockford, IL	$1,422
Rockledge, FL	$2,914
Sacramento, CA	$2,017
Salem Oregon, OR	$1,594
Salt Lake City, UT	$1,721
San Angelo, TX	$1,529
San Antonio, TX	$1,951
San Diego, CA	$1,775
San Francisco, CA	$2,194
San Jose, CA	$1,829
Savannah, GA	$1,948
Scottsdale, AZ	$1,706
Seattle, WA	$2,085
Spokane, WA	$1,659
Springfield, MO	$1,536
St Louis, MO	$2,386
Stockton, CA	$1,926
Syracuse, NY	$1,653
Tallahassee, FL	$2,483
Tampa, FL	$3,824
Toledo, OH	$1,197
Topeka, KS	$1,550
Tucson, AZ	$1,646
Tulsa, OK	$2,231
Tyler, TX	$1,821
Valdosta, GA	$1,387
Vancouver, WA	$1,810
Victoria, TX	$1,757
Virginia Beach, VA	$1,440
Waco, TX	$1,700
Wichita, KS	$1,701
Wilmington, NC	$994
Yuma, AZ	$1,395

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Term life insurance lasts for a number of years before it expires. If you die before the term is up, a set amount of money, known as the death benefit, is paid to your designated beneficiary. Term insurance is considered the simplest, most accessible life insurance policy.

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In the news

Southern Fidelity Insurance just left 120,000 people without home insurance

What homeowners in Florida and Louisiana can do to find a new home insurance policy in the middle of hurricane season.

Kara McGinley • July 8, 2022

In the news

Southern Fidelity Insurance just left 120,000 people without home insurance

What homeowners in Florida and Louisiana can do to find a new home insurance policy in the middle of hurricane season.

Kara McGinley • July 8, 2022

In the news

Southern Fidelity Insurance just left 120,000 people without home insurance

What homeowners in Florida and Louisiana can do to find a new home insurance policy in the middle of hurricane season.

Kara McGinley • July 8, 2022

Why people choose it: Term life insurance policies are more affordable than other types of life insurance policies and generally have lower premium costs

What people don’t choose it: TK tktktk erm life insurance policies are more affordable than other types of life insurance policies and generally have lower premium costs.

→ Learn more about term life insurance

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Term life insurance

Why people choose it: Term life insurance policies are more affordable than other types of life insurance policies and generally have lower premium costs
What people don’t choose it: TK tktktk erm life insurance policies are more affordable than other types of life insurance policies and generally have lower premium costs.

→ Learn more about term life insurance

GEICO

4.6

Policygenius rating

Best for discounts

Cost

$123

One of the most recognizable car insurance carriers on the market is also a reliable go-to for standard auto insurance.

Pros

Available nationwide
Easy-to-use website and mobile app
Plenty of discounts
Comprehensive customer service
Wide array of other coverages, including rideshare insurance and collector’s insurance

Cons

Average claims satisfaction
Middling customer ratings
Doesn’t underwrite all their other insurance products

Read our full GEICO car insurance review

Amica

4.2

Policygenius rating

Best for claims satisfaction

Amica, while expensive, is a great option for shoppers interested in top-of-the-line service.

Pros

Top-rated customer service and claims satisfaction
Premium coverage available
Variety of unique perks and features
Quick response times from agents

Cons

Pricier than competitors
Can be picky when it comes to customers
Not available in Hawaii

Read our full Amica car insurance review

Safeco

Policygenius rating

Best for coverage options

Safeco boasts some less standard coverage options that might make it appealing to certain shoppers, like ride-share drivers, pet owners, and drivers with customized vehicles.

Pros

More nonstandard coverage options than competitors
Online bill paying and claims filing
Lower-than average rates

Cons

Below-average claims satisfaction ratings
Website can be difficult to navigate
Not available in every state

Read our full Safeco car insurance review

Please don't remove

2024 Policygenius award winner

Brighthouse Financial

Policygenius rating

1.5

AM Best rating

Cost

Age 65+

30+ year terms

All 50 states

Living benefits option

No-medical-exam option

Why we chose it

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Pros and cons

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Cons

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Frequently asked questions

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Better Homes & Gardens December 2021 3 Things to Keep in Mind When Comparing Homeowner's Insurance Prices FinTech Magazine December 2021 10 Women in Fintech You Should Know About in 2022 Forbes Advisor December 2021 Outlook For Life Insurance Shoppers In 2022

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