Updated: July 27, 2026
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Save hundreds per year by comparing home insurance quotes. Providers weigh factors like location and credit score differently, so the same policy can cost far more with one insurer than another.
Your coverage limits, location and homeowner profile all drive your rate. Personal details like your credit score and claims history, along with discounts, can shift what you pay.
MoneyGeek compared 164,127,600 quotes across 1,451 ZIP codes to identify the best-value insurers for different homeowner profiles.
We scored each company on affordability, customer satisfaction and coverage options and built targeted guides for homeowners of different profiles:
Homeowners insurance costs and coverage options vary by provider.
Determine how much coverage you need
Most people guess at coverage amounts. That guesswork leaves them underinsured or paying for coverage they don't need. Your dwelling coverage should match how much it would currently cost to rebuild your home, not its purchase price.
Beyond the structure itself, take a detailed inventory of your belongings to determine how much personal property coverage you need. Personal property coverage usually costs about 50% to 70% of your dwelling amount, though high-value items may require additional coverage.
Gather information for accurate quotes
Prepare accurate information before requesting homeowners insurance quotes. Start with your home's basic specs: square footage, year built and roof type. You'll also need your heating system and foundation details on hand. Don't guess on any of this. Pull the exact numbers from your home inspection report or tax records. Your county assessor's website works too.
Reach out for quotes
You have three ways to gather quotes. An independent agent can compare multiple insurers at once and offer personalized advice. If you'd rather ask detailed questions yourself, call insurers directly. Online quotes are usually the fastest way to see rates.
Ask about discounts
Check all available discounts when getting quotes. Many insurers offer savings for everything from being claims-free for years to having a college degree or working in certain professions. Bundling your home and auto insurance with the same company can also save you 5% to 25% on your policy, depending on the insurer.
Compare more than just price
The cheapest premium isn't always the best deal if the insurer can't pay your claims or provides poor customer service. Look for insurers rated A- or higher by AM Best or with scores above the industry average in J.D. Power satisfaction studies. Watch for policy exclusions that leave gaps in your coverage. Some insurers exclude windstorm damage in coastal areas or have strict limits on water damage. These exclusions and limits matter more than a $50 premium discount when you file a claim.
Shop around each year for better rates
Insurance rates change constantly. The insurer that offered the lowest rate last year may not be the cheapest now. Set a calendar reminder 30 days before your policy renews each year to give yourself time to gather quotes without rushing. Homeowners who compare rates each year save $200 to $500 over simply renewing.
Loyalty discounts rarely beat a fresh rate. Insurers give existing customers a small break for staying put, but a new insurer's rate for the same coverage often saves you more than that discount is worth. Your home's value changes over time, and so does what you own. Shopping each year gives you a chance to make sure your policy keeps up.
Home insurance costs vary by state, and the gap is large: the most expensive states run about three times the premiums of the cheapest ones for similar coverage. Insurers price in regional risk when they set rates. Hurricanes drive costs up along the Gulf Coast.
Wildfires push rates higher across the West. Tornado exposure and crime rates shift the numbers everywhere else. See how your state compares to the national average in the table below.
| Alabama | $386 | 31% |
| Alaska | $110 | -63% |
| Arizona | $217 | -27% |
| Arkansas | $420 | 42% |
| California | $112 | -62% |
| Colorado | $340 | 15% |
| Connecticut | $192 | -35% |
| Delaware | $81 | -72% |
| District of Columbia | $107 | -64% |
| Florida | $853 | 189% |
| Georgia | $188 | -36% |
| Hawaii | $50 | -83% |
| Idaho | $140 | -53% |
| Illinois | $264 | -11% |
| Indiana | $258 | -13% |
| Iowa | $198 | -33% |
| Kansas | $309 | 5% |
| Kentucky | $269 | -9% |
| Louisiana | $708 | 140% |
| Maine | $119 | -60% |
| Maryland | $219 | -26% |
| Massachusetts | $172 | -42% |
| Michigan | $184 | -38% |
| Minnesota | $200 | -32% |
| Mississippi | $430 | 46% |
| Missouri | $249 | -16% |
| Montana | $409 | 38% |
| Nebraska | $522 | 77% |
| Nevada | $101 | -66% |
| New Hampshire | $96 | -68% |
| New Jersey | $148 | -50% |
| New Mexico | $149 | -50% |
| New York | $130 | -56% |
| North Carolina | $313 | 6% |
| North Dakota | $188 | -36% |
| Ohio | $173 | -41% |
| Oklahoma | $640 | 117% |
| Oregon | $90 | -69% |
| Pennsylvania | $195 | -34% |
| Rhode Island | $174 | -41% |
| South Carolina | $259 | -13% |
| South Dakota | $301 | 2% |
| Tennessee | $244 | -17% |
| Texas | $571 | 93% |
| Utah | $121 | -59% |
| Vermont | $88 | -70% |
| Virginia | $223 | -25% |
| Washington | $123 | -58% |
| West Virginia | $143 | -52% |
| Wisconsin | $116 | -61% |
| Wyoming | $158 | -47% |
Why Trust MoneyGeek for Homeowners Insurance? MoneyGeek compared home insurance quotes from 20+ insurance providers across the U.S. using a profile that reflects the average homeowner. When you compare home insurance rates from different locations and companies, you get a reliable estimate of what homeowners can expect to pay.
Insurance markets differ by state based on local regulations, the number of insurers licensed to sell there and how much competition exists among them. Some insurers lead certain regions without operating nationwide, and a company that posts strong rates in one state may be uncompetitive next door. Start with the insurers that lead your state, since they're most likely to offer competitive rates and reliable service where you live.
State averages give you a baseline, but your city and even ZIP code can change your rates within the same state.
We analyzed home insurance companies and rates for major cities across the country. Each analysis factors in local risk, available insurers and regional pricing.
We analyzed quotes from major national insurers to show how price differences connect to actual coverage value.
The same coverage can vary by hundreds of dollars a year between insurers. National insurers vary widely on price. The rates below reflect average monthly premiums for different coverage levels.
| Amica | $119 | -56% |
| CSAA | $126 | -54% |
| AAA | $135 | -50% |
| American Modern | $174 | -36% |
| USAA | $186 | -32% |
| Farmers | $188 | -31% |
| Allstate | $198 | -27% |
| State Farm | $204 | -25% |
| Homesite | $210 | -23% |
| Nationwide | $287 | 5% |
| Chubb | $369 | 36% |
| Progressive | $454 | 67% |
| Travelers | $571 | 110% |
Amica offers the cheapest homeowners insurance quotes for every coverage level, with average costs ranging from 55% to 58% below the national average. Price is one factor. An insurer's financial stability, customer satisfaction scores and claims reputation are just as important.
A low quote is only part of the picture. Many homeowners pick the lowest price and miss coverage gaps that surface later.
Confirm all quotes match the same coverage specifications before comparing prices. Even small differences in coverage limits and deductible amounts can change your costs and coverage by hundreds of dollars.
Compare your deductible options. A $1,000 deductible costs about $200 less a year than a $500 deductible. Make sure you can afford the higher deductible if you file a claim.
Standard policies don't cover flood or earthquake damage. You'll need separate policies for these perils. Many insurers also cap jewelry, art and electronics coverage at $1,500 to $2,500 unless you add scheduled personal property coverage.
Start with each insurer's financial strength rating from AM Best. A rating of A or higher shows the company has the reserves to pay claims. Customer satisfaction is a separate measure. MoneyGeek's analysis found it varies widely between insurers, even at similar price points. J.D. Power's annual home insurance studies rank providers separately on claims handling and customer service. Focus on insurers that score above the industry average on both.
The right insurer covers your home at a competitive price, has the financial strength to pay claims and a history of good service. The cheapest quote isn't always the best value if it leaves you underinsured or stuck with a company known for claims disputes.
Your home is likely your largest investment. An extra $200 to $400 a year for better coverage and service pays off when you file a claim.
Use our home insurance calculator to get a personalized estimate based on your home's details and location. Compare the result to your current rate to see if you're overpaying before you start shopping.
Enter your details to get your estimate in 30 seconds. Rates can vary by hundreds of dollars between companies in your area. We won't call you or send emails unless you request a finalized quote.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Jul 27, 2026
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About Mark Fitzpatrick
Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Mark holds a B.A. from Boston College and an M.A. in Economics and International Relations from Johns Hopkins University. He started his career in financial risk management at State Street and is also a five-time “Jeopardy!” champion.
