Compare Home Insurance Quotes and Companies

MoneyGeek compared 164,127,600 quotes across 1,451 zip codes to find which ones have the best value depending what each homeowner is looking for. 

We evaluated each company's strengths in three factors: how affordable they are, how satisfied customers are with them and what coverage options they have. A long-time homeowner whose made multiple home improvements will have different needs compared to someone who just bought their own home.  

We've written comprehensive guides for homeowners of different profiles, whether you're looking for the best or cheapest, or whether you're a veteran, senior, or new homeowner.

Home insurance costs vary dramatically across the country, with some states paying three times more than others for similar coverage. Your location plays a major role in determining your premium because insurers factor in regional risks like hurricanes, tornadoes, wildfires and crime rates when setting prices.

Here's how each state compares to the national average, so you can see where your area stands and understand whether you're getting a competitive rate for your region.

Each state’s insurance market varies based on local regulations, the number of insurers and the level of competition. Some insurers excel in certain regions but aren't available nationwide, while others may offer competitive rates in one state but struggle in another. Understanding which companies perform best in your state helps you focus your shopping efforts on insurers most likely to provide good value and service in your area.

While state averages give you a baseline, your specific city and even ZIP code can impact your rates within the same state. 

We've analyzed the best home insurance companies and rates for major cities across the country, taking into account local risk factors, available insurers and regional pricing patterns. These city-specific guides can help you compare the most competitive options in your market.

Looking at homeowners insurance quotes side-by-side makes it easier to spot the real differences between companies and coverage options. We analyzed quotes from major national insurers to highlight what to look for and how price differences reflect actual coverage value for your home.

The table below demonstrates how the same coverage can vary dramatically between insurers, sometimes by hundreds of dollars annually. See which national insurers offer the most affordable average rates for different coverage levels.

Amica offers the cheapest homeowners insurance quotes for every coverage level, with average costs ranging from 55% to 58% below the national average. Compare prices along with the insurer’s financial stability, customer service and claims handling.

Use our home insurance calculator to get a personalized estimate based on your home's details and location. When you’re ready to compare home insurance quotes, this tool helps you understand what you should expect to pay and whether your current rate is competitive.

Enter your details once and see how much you could save. It takes 30 seconds to see how rates can vary by hundreds of dollars between companies in your area, and we won't call you or send you emails unless you want to proceed with getting a finalized quote.

Below are the most common questions asked about how to shop for home insurance.