In Apple Valley, State Farm offers the best home insurance, balancing affordability, customer service and coverage options. For those prioritizing price, State Farm also provides the lowest premium at $106 per month.
Cheap Home Insurance in Apple Valley
Updated: June 11, 2025
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Key Takeaways
For homeowners in Apple Valley, State Farm provides the best overall value and offers the cheapest coverage at $1,273 annually.
Home insurance in Apple Valley costs about $157 per month or approximately $1,885 each year.
To find the best and cheapest home insurance, assess your coverage needs, research providers and compare quotes thoroughly.
Best Cheap Home Insurance Companies in Apple Valley
| State Farm | 92 | $106 | $1,273 |
| Allstate | 75 | $128 | $1,536 |
| Travelers | 71 | $158 | $1,890 |
| Chubb | 64 | $199 | $2,392 |
| Nationwide | 63 | $179 | $2,148 |
*Rates are for a 2,500-square-foot home with $250,000 in dwelling coverage and a $1,000 deductible, built in 2000.
How Much Does Apple Valley Home Insurance Cost?
Home insurance costs in Apple Valley vary by personal profile, coverage level and home details. Rates range from $44 to $586 per month. Below, you can compare personalized rates based on your home's age and desired coverage level.
Data filtered by:Results filtered by:
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Age of Home:Newer Home
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Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
| $100K Dwelling / $50K Personal Property / $100K Liability | $44 | $526 |
How to Get the Best Cheap Home Insurance in Apple Valley
Finding affordable home insurance in Apple Valley can be challenging. We've created a step-by-step guide to help you discover the best cheap homeowners insurance tailored to your needs.
- 1
Decide on Coverage Beforehand
Determining your home insurance coverage needs beforehand allows you to compare quotes easily and prevents you from being oversold by agents.
- 2
Research Cost and Discounts
Researching average home insurance costs in California for your city and profile can help you gauge potential savings. Understanding what discounts you may qualify for will help you find companies that offer them, leading to lower rates.
- 3
Compare Company Offerings and Reputations
In addition to cost research, understand what add-on coverages companies offer and their reputations for handling claims, agent service, policy management and buying processes. Great resources for this include J.D. Power, the NAIC, forums like Reddit, and user review sites like Trustpilot.
- 4
Compare Many Quotes Through Multiple Means
Comparing multiple quotes on an apples-to-apples basis helps you identify the best option for you. Pricing also varies depending on where you get your quote. We recommend getting quotes using online tools and from independent agents and captive agents to make sure you get the lowest price.
Best Home Insurance in Apple Valley: Bottom Line
The best and most affordable home insurance companies in Apple Valley are State Farm, Allstate and Travelers. Compare multiple quotes yourself to ensure you're getting the best rate.
Apple Valley Home Insurance: FAQ
Below, we've answered your most common questions about Apple Valley home insurance.
Who offers the best home insurance in Apple Valley?
We recommend State Farm as the best home insurance provider in Apple Valley for its affordable pricing, excellent service and broad selection of add-ons. We also recommend getting quotes from Allstate, Travelers, Chubb and Nationwide.
Who has the cheapest home insurance in Apple Valley?
State Farm has the most affordable home insurance for the average homeowner, costing about $106 per month or $1,273 per year. Rates can vary widely depending on your coverage level and home characteristics.
What does home insurance cost in Apple Valley?
Home insurance costs in Apple Valley range from $526 to $7,035 annually, with rates influenced by home age and coverage levels.
How We Decided the Best Cheap Home Insurance Companies in Apple Valley
MoneyGeek’s study analyzed home insurance premiums from 10 companies in Apple Valley. The data used was provided in partnership with Quadrant. The customer satisfaction scores used in this study were drawn from J.D. Power surveys. To calculate affordability scores, quotes were collected for a home with varying coverage levels.
In this analysis, MoneyGeek used a base profile for a homeowner with a 2,500-square-foot home built in 2000 with dwelling coverage of $250,000, personal property coverage of $100,000, and liability coverage of $100,000. All the policies had the same deductible of $1,000.
Other quotes were also collected for homeowners with newly constructed homes, increased dwelling or personal property coverage, higher deductibles, and poor credit scores.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.