How to Find Affordable Homeowners Insurance Rates From Quality Companies
The Cheapest Home Insurance Companies in 2021
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Premium costs are some of the important factors when shopping for homeowners insurance. To help you find the best rates, MoneyGeek researched average premiums for various dwelling coverages costs and individual home insurance needs. Insurance rates vary from company to company and state to state, so it is important to compare quotes to find the best rates for your needs.
Cheap Homeowners Insurance: Which Companies Are Cheapest in 2021?
MoneyGeek collected the average home insurance premium for several national insurance companies. To ensure apples-to-apples comparisons, these rates are based on dwelling coverage of $250,000 and personal property coverage of $100,000.
In this research, MoneyGeek found that Allstate has the lowest average insurance rates based on the chosen criteria, coming in at $1,748 annually. However, it is important to note that your insurance rates could vary significantly from the average premiums listed. Insurers determine pricing for each policy based on various factors, including the location and age of your home.
Average Annual Home Insurance Costs
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- CompanyDwelling Coverage $250K and Personal Property $100K
- 1. Allstate$1,748
- 2. Chubb$1,761
- 3. Nationwide$1,782
- 4. MetLife$1,813
- 5. USAA$1,834
- 6. Travelers$1,887
- 7. State Farm$2,027
- 8. Farmers$2,046
Compare Insurance Rates
Ensure you are getting the best rate for your coverage. Compare quotes from the top insurance companies.
Cheap Homeowners Insurance in Your State
When it comes to insurance costs, location is one of the most significant factors impacting your rates. Weather events and associated issues are the cause of many home insurance claims, which means that the wildfires that ravage California each year and the hurricanes that hit Florida drive up insurance costs in those states. Weather doesn’t have to be directly responsible for damage to cause your rates to increase. For example, areas that are prone to humidity are likely to see higher rates because of potential mold damage.
One of the best ways to find cheap home insurance is to compare quotes from multiple insurance companies. The data below shows the most affordable insurance company in each state. However, please note that USAA is excluded from this data because they only provide coverage for veterans, members of the military and their families.
Cheapest by State: $100K Dwelling Coverage
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- State & CompanyAnnual Premium
- 1. AK - Country Financial$521
- 2. AK - State Farm$618
- 3. AK - USAA$697
- 4. AK - Allstate$846
- 5. AL - Farmers$357
- 6. AL - Travelers$747
- 7. AL - USAA$924
- 8. AL - Allstate$994
- 9. AL - Nationwide$1,125
- 10. AL - Country Financial$1,139
- 11. AL - MetLife$1,244
- 12. AL - State Farm$1,671
- 13. AL - Auto-Owners Insurance Co$4,729
- 14. AR - Travelers$988
- 15. AR - Nationwide$1,317
- 16. AR - Farmers$1,363
- 17. AR - USAA$1,438
- 18. AR - State Farm$1,680
- 19. AR - MetLife$1,834
- 20. AR - Allstate$2,298
- 21. AR - Auto-Owners Insurance Co$5,392
- 22. AZ - Nationwide$578
- 23. AZ - Chubb$594
- 24. AZ - ASI$598
- 25. AZ - USAA$676
- 26. AZ - State Farm$689
- 27. AZ - American Family$746
- 28. AZ - MetLife$935
- 29. AZ - Farmers$988
- 30. AZ - AAA$1,190
- 31. AZ - Allstate$1,225
- 32. AZ - Country Financial$1,445
- 33. AZ - Travelers$2,065
- 34. AZ - Auto-Owners Insurance Co$3,582
- 35. CA - Allstate$269
- 36. CA - USAA$337
- 37. CA - AAA$360
- 38. CA - ASI$447
- 39. CA - Travelers$467
- 40. CA - State Farm$473
- 41. CA - Farmers$499
- 42. CA - Universal North America$537
- 43. CA - AIG$587
- 44. CA - MetLife$687
- 45. CA - Chubb$731
- 46. CA - Nationwide$805
- 47. CA - Hartford$931
- 48. CO - Chubb$683
- 49. CO - Nationwide$1,340
- 50. CO - MetLife$1,375
- 51. CO - Travelers$1,391
- 52. CO - Allstate$1,427
- 53. CO - State Farm$1,555
- 54. CO - Auto-Owners Insurance Co$1,628
- 55. CO - American Family$1,846
- 56. CO - USAA$1,989
- 57. CO - Country Financial$2,501
- 58. CO - Farmers$5,362
- 59. CT - ASI$596
- 60. CT - Travelers$726
- 61. CT - MetLife$740
- 62. CT - Allstate$758
- 63. CT - Amica Mutual$853
- 64. CT - Farmers$854
- 65. CT - State Farm$878
- 66. CT - USAA$914
- 67. CT - Chubb$983
- 68. CT - Homesite$1,065
- 69. DC - Chubb$255
- 70. DC - Travelers$463
- 71. DC - Allstate$521
- 72. DC - State Farm$726
- 73. DE - Nationwide$364
- 74. DE - Travelers$364
- 75. DE - Allstate$408
- 76. DE - State Farm$441
- 77. FL - Travelers$620
- 78. FL - Chubb$637
- 79. FL - Nationwide$655
- 80. FL - ASI$797
- 81. FL - Universal North America$1,001
- 82. FL - Allstate$1,186
- 83. FL - Universal Property$1,246
- 84. FL - State Farm$1,318
- 85. FL - Heritage$1,347
- 86. FL - Citizens$2,427
- 87. GA - Farmers$458
- 88. GA - Chubb$603
- 89. GA - ASI$741
- 90. GA - Travelers$912
- 91. GA - USAA$970
- 92. GA - Nationwide$1,107
- 93. GA - Allstate$1,328
- 94. GA - Country Financial$1,344
- 95. GA - State Farm$1,443
- 96. GA - Auto-Owners Insurance Co$3,556
- 97. HI - Allstate$117
- 98. HI - Universal North America$250
- 99. HI - AIG$254
- 100. HI - State Farm$258
- 101. IA - Travelers$713
- 102. IA - Allied$821
- 103. IA - Farmers$860
- 104. IA - USAA$1,029
- 105. IA - State Farm$1,052
- 106. IA - Allstate$1,092
- 107. IA - American Family$1,849
- 108. IA - Auto-Owners Insurance Co$2,525
- 109. ID - MetLife$347
- 110. ID - Farmers$420
- 111. ID - American Family$465
- 112. ID - Travelers$477
- 113. ID - Allstate$544
- 114. ID - USAA$843
- 115. ID - State Farm$1,135
- 116. IL - Travelers$811
- 117. IL - Allstate$848
- 118. IL - Farmers$919
- 119. IL - MetLife$954
- 120. IL - American Family$955
- 121. IL - State Farm$990
- 122. IL - Nationwide$1,053
- 123. IL - USAA$1,152
- 124. IL - Chubb$1,183
- 125. IL - Country Financial$1,316
- 126. IN - Nationwide$747
- 127. IN - Allstate$798
- 128. IN - Erie$855
- 129. IN - Travelers$869
- 130. IN - USAA$906
- 131. IN - American Family$943
- 132. IN - Farmers$969
- 133. IN - State Farm$1,037
- 134. IN - Auto-Owners Insurance Co$1,464
- 135. KS - USAA$1,803
- 136. KS - Travelers$1,866
- 137. KS - State Farm$2,004
- 138. KS - Allied$2,061
- 139. KS - Allstate$2,088
- 140. KS - Farmers$2,255
- 141. KS - AAA$3,002
- 142. KS - American Family$4,527
- 143. KS - Auto-Owners Insurance Co$6,295
- 144. KY - Travelers$748
- 145. KY - Allstate$814
- 146. KY - USAA$868
- 147. KY - State Farm$1,137
- 148. KY - Auto-Owners Insurance Co$2,034
- 149. LA - State Farm$901
- 150. LA - Allstate$1,024
- 151. LA - USAA$1,740
- 152. LA - Farmers$2,836
- 153. MA - State Farm$485
- 154. MA - AIG$501
- 155. MA - MetLife$678
- 156. MA - Universal Property$848
- 157. MA - Chubb$909
- 158. MA - Travelers$913
- 159. MA - USAA$1,124
- 160. MA - Amica Mutual$1,208
- 161. MA - Allstate$1,992
- 162. MD - Chubb$620
- 163. MD - MetLife$681
- 164. MD - Erie$699
- 165. MD - Travelers$762
- 166. MD - State Farm$764
- 167. MD - Farmers$790
- 168. MD - USAA$883
- 169. MD - Homesite$978
- 170. MD - Nationwide$1,315
- 171. MD - Allstate$1,462
- 172. ME - Chubb$243
- 173. ME - MetLife$253
- 174. ME - Travelers$391
- 175. ME - Nationwide$526
- 176. ME - State Farm$584
- 177. ME - Allstate$825
- 178. ME - USAA$941
- 179. MI - Chubb$697
- 180. MI - USAA$932
- 181. MI - Auto-Owners Insurance Co$1,179
- 182. MI - State Farm$1,387
- 183. MI - Farmers$1,672
- 184. MI - Allstate$2,630
- 185. MN - Chubb$775
- 186. MN - Farmers$963
- 187. MN - Travelers$1,058
- 188. MN - State Farm$1,313
- 189. MN - Country Financial$1,375
- 190. MN - Allstate$1,410
- 191. MN - American Family$1,870
- 192. MN - Auto-Owners Insurance Co$2,902
- 193. MO - AAA$1,104
- 194. MO - USAA$1,150
- 195. MO - Travelers$1,213
- 196. MO - Allied$1,267
- 197. MO - State Farm$1,274
- 198. MO - Allstate$1,846
- 199. MO - Farmers$1,872
- 200. MO - American Family$2,463
- 201. MS - Travelers$754
- 202. MS - USAA$1,142
- 203. MS - Allstate$1,367
- 204. MS - Farmers$1,496
- 205. MS - Nationwide$1,549
- 206. MS - MetLife$1,551
- 207. MS - State Farm$1,782
- 208. MT - Chubb$555
- 209. MT - Travelers$1,261
- 210. MT - USAA$1,416
- 211. MT - State Farm$1,729
- 212. MT - Allstate$1,894
- 213. MT - Farmers$2,009
- 214. NC - Heritage$477
- 215. NC - Universal North America$479
- 216. NC - Travelers$505
- 217. NC - Auto-Owners Insurance Co$622
- 218. NC - USAA$763
- 219. NC - Nationwide$778
- 220. NC - Erie$803
- 221. NC - MetLife$856
- 222. NC - Allstate$949
- 223. NC - State Farm$1,241
- 224. ND - MetLife$528
- 225. ND - Allstate$690
- 226. ND - Country Financial$766
- 227. ND - State Farm$1,471
- 228. ND - Farmers$1,479
- 229. ND - Auto-Owners Insurance Co$2,113
- 230. ND - American Family$2,527
- 231. NE - Nationwide$1,270
- 232. NE - Travelers$1,271
- 233. NE - MetLife$1,592
- 234. NE - Farmers$1,658
- 235. NE - Allstate$1,675
- 236. NE - State Farm$1,856
- 237. NE - American Family$2,315
- 238. NH - Farmers$362
- 239. NH - Nationwide$365
- 240. NH - MetLife$368
- 241. NH - Travelers$386
- 242. NH - Allstate$519
- 243. NH - State Farm$537
- 244. NH - USAA$562
- 245. NH - Amica Mutual$648
- 246. NJ - Chubb$326
- 247. NJ - Travelers$495
- 248. NJ - MetLife$600
- 249. NJ - Allstate$600
- 250. NJ - State Farm$634
- 251. NJ - USAA$705
- 252. NJ - ASI$774
- 253. NJ - Homesite$1,051
- 254. NM - Travelers$593
- 255. NM - Allstate$629
- 256. NM - State Farm$804
- 257. NM - Farmers$837
- 258. NV - Travelers$363
- 259. NV - Universal North America$452
- 260. NV - Farmers$474
- 261. NV - American Family$491
- 262. NV - Allstate$492
- 263. NV - Country Financial$627
- 264. NV - State Farm$654
- 265. NV - USAA$733
- 266. NY - State Farm$469
- 267. NY - MetLife$512
- 268. NY - Nationwide$570
- 269. NY - Travelers$662
- 270. NY - Chubb$782
- 271. NY - Allstate$1,127
- 272. NY - USAA$1,384
- 273. OH - Travelers$487
- 274. OH - Erie$620
- 275. OH - Farmers$713
- 276. OH - State Farm$772
- 277. OH - American Family$778
- 278. OH - Nationwide$794
- 279. OH - Allstate$881
- 280. OH - USAA$895
- 281. OH - Auto-Owners Insurance Co$2,497
- 282. OK - Chubb$1,464
- 283. OK - Allstate$2,041
- 284. OK - Farmers$2,148
- 285. OK - Travelers$2,234
- 286. OK - USAA$2,390
- 287. OK - State Farm$2,582
- 288. OK - MetLife$2,849
- 289. OK - AAA$4,456
- 290. OR - Travelers$324
- 291. OR - Farmers$369
- 292. OR - Nationwide$380
- 293. OR - American Family$410
- 294. OR - State Farm$511
- 295. OR - MetLife$528
- 296. OR - USAA$658
- 297. OR - Allstate$707
- 298. OR - Country Financial$790
- 299. PA - Farmers$552
- 300. PA - Chubb$570
- 301. PA - Erie$615
- 302. PA - USAA$675
- 303. PA - Allstate$740
- 304. PA - Travelers$831
- 305. PA - Nationwide$948
- 306. PA - State Farm$964
- 307. RI - State Farm$408
- 308. RI - MetLife$564
- 309. RI - Nationwide$622
- 310. RI - Amica Mutual$818
- 311. RI - AIG$844
- 312. RI - Allstate$1,452
- 313. SC - Allstate$583
- 314. SC - Universal North America$650
- 315. SC - State Farm$692
- 316. SC - Nationwide$1,116
- 317. SC - Chubb$1,489
- 318. SC - Heritage$1,597
- 319. SC - USAA$1,733
- 320. SC - ASI$2,181
- 321. SC - Travelers$3,463
- 322. SC - Auto-Owners Insurance Co$4,108
- 323. SD - Travelers$806
- 324. SD - Allstate$1,345
- 325. SD - Farmers$1,366
- 326. SD - USAA$1,417
- 327. SD - State Farm$1,503
- 328. SD - American Family$2,112
- 329. SD - Auto-Owners Insurance Co$2,268
- 330. TN - USAA$1,047
- 331. TN - Erie$1,048
- 332. TN - State Farm$1,286
- 333. TN - Allstate$1,341
- 334. TN - Travelers$3,985
- 335. TN - Auto-Owners Insurance Co$4,067
- 336. TX - Chubb$728
- 337. TX - Universal North America$832
- 338. TX - Farmers$1,613
- 339. TX - Nationwide$1,621
- 340. TX - USAA$1,912
- 341. TX - Travelers$1,964
- 342. TX - Allstate$2,047
- 343. TX - Amica Mutual$2,126
- 344. TX - Hartford$2,360
- 345. TX - State Farm$2,625
- 346. UT - Farmers$290
- 347. UT - Travelers$375
- 348. UT - Nationwide$396
- 349. UT - American Family$465
- 350. UT - Allstate$505
- 351. UT - MetLife$587
- 352. UT - State Farm$623
- 353. UT - USAA$862
- 354. UT - Auto-Owners Insurance Co$1,888
- 355. VA - Nationwide$438
- 356. VA - Universal Property$647
- 357. VA - Chubb$660
- 358. VA - State Farm$717
- 359. VA - MetLife$724
- 360. VA - ASI$811
- 361. VA - Erie$867
- 362. VA - Travelers$927
- 363. VA - Allstate$1,296
- 364. VA - Farmers$1,744
- 365. VA - Auto-Owners Insurance Co$3,670
- 366. VT - State Farm$568
- 367. VT - Allstate$617
- 368. VT - Travelers$703
- 369. VT - USAA$799
- 370. WA - Travelers$406
- 371. WA - Chubb$437
- 372. WA - Allied$483
- 373. WA - MetLife$536
- 374. WA - Allstate$588
- 375. WA - Farmers$696
- 376. WA - State Farm$764
- 377. WA - USAA$945
- 378. WA - Country Financial$964
- 379. WI - Erie$305
- 380. WI - Travelers$488
- 381. WI - Chubb$524
- 382. WI - Allied$576
- 383. WI - State Farm$721
- 384. WI - Allstate$726
- 385. WI - USAA$760
- 386. WI - American Family$930
- 387. WI - Farmers$938
- 388. WI - Auto-Owners Insurance Co$991
- 389. WV - Erie$686
- 390. WV - USAA$742
- 391. WV - Nationwide$757
- 392. WV - State Farm$955
- 393. WV - Allstate$1,074
- 394. WY - Allied$564
- 395. WY - USAA$575
- 396. WY - State Farm$968
- 397. WY - Foremost$1,056
- 398. WY - Allstate$1,810
Cheapest by State: $250K Dwelling Coverage
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- State & CompanyAnnual Premium
- 1. AK - Country Financial$1,006
- 2. AK - USAA$1,022
- 3. AK - State Farm$1,134
- 4. AK - Allstate$1,306
- 5. AL - Farmers$605
- 6. AL - Allstate$1,253
- 7. AL - Travelers$1,483
- 8. AL - USAA$1,689
- 9. AL - MetLife$1,817
- 10. AL - Country Financial$1,958
- 11. AL - Nationwide$2,129
- 12. AL - State Farm$2,978
- 13. AL - Auto-Owners Insurance Co$7,396
- 14. AR - Travelers$2,044
- 15. AR - Farmers$2,242
- 16. AR - USAA$2,384
- 17. AR - Nationwide$2,796
- 18. AR - State Farm$3,085
- 19. AR - Allstate$3,319
- 20. AR - MetLife$3,358
- 21. AR - Auto-Owners Insurance Co$8,836
- 22. AZ - ASI$981
- 23. AZ - Nationwide$1,050
- 24. AZ - USAA$1,092
- 25. AZ - American Family$1,157
- 26. AZ - Chubb$1,263
- 27. AZ - State Farm$1,264
- 28. AZ - Farmers$1,432
- 29. AZ - MetLife$1,748
- 30. AZ - Allstate$1,804
- 31. AZ - AAA$2,190
- 32. AZ - Country Financial$2,587
- 33. AZ - Travelers$3,288
- 34. AZ - Auto-Owners Insurance Co$5,910
- 35. CA - Allstate$667
- 36. CA - ASI$713
- 37. CA - USAA$799
- 38. CA - Travelers$814
- 39. CA - AAA$838
- 40. CA - State Farm$868
- 41. CA - Universal North America$890
- 42. CA - Nationwide$1,223
- 43. CA - AIG$1,258
- 44. CA - Farmers$1,264
- 45. CA - Hartford$1,451
- 46. CA - MetLife$1,630
- 47. CA - Chubb$1,753
- 48. CO - Chubb$1,598
- 49. CO - Allstate$2,353
- 50. CO - MetLife$2,538
- 51. CO - Travelers$2,606
- 52. CO - American Family$2,660
- 53. CO - State Farm$2,860
- 54. CO - Nationwide$2,867
- 55. CO - Auto-Owners Insurance Co$2,902
- 56. CO - USAA$3,436
- 57. CO - Country Financial$4,428
- 58. CO - Farmers$6,469
- 59. CT - ASI$1,032
- 60. CT - Farmers$1,363
- 61. CT - MetLife$1,483
- 62. CT - Travelers$1,499
- 63. CT - USAA$1,638
- 64. CT - State Farm$1,659
- 65. CT - Homesite$1,729
- 66. CT - Allstate$1,757
- 67. CT - Amica Mutual$1,812
- 68. CT - Chubb$2,517
- 69. DC - Chubb$688
- 70. DC - Allstate$799
- 71. DC - Travelers$956
- 72. DC - State Farm$1,330
- 73. DE - Nationwide$593
- 74. DE - Travelers$626
- 75. DE - State Farm$808
- 76. DE - Allstate$841
- 77. FL - Travelers$1,083
- 78. FL - Nationwide$1,480
- 79. FL - Chubb$1,582
- 80. FL - Allstate$1,612
- 81. FL - ASI$1,951
- 82. FL - Universal North America$1,970
- 83. FL - Universal Property$2,268
- 84. FL - State Farm$2,542
- 85. FL - Heritage$3,207
- 86. FL - Citizens$5,899
- 87. GA - Farmers$703
- 88. GA - ASI$1,329
- 89. GA - Chubb$1,415
- 90. GA - USAA$1,693
- 91. GA - Travelers$1,897
- 92. GA - Allstate$1,943
- 93. GA - Nationwide$2,019
- 94. GA - Country Financial$2,501
- 95. GA - State Farm$2,664
- 96. GA - Auto-Owners Insurance Co$5,307
- 97. HI - Allstate$238
- 98. HI - Universal North America$257
- 99. HI - State Farm$473
- 100. HI - AIG$519
- 101. IA - Farmers$1,314
- 102. IA - Travelers$1,377
- 103. IA - Allstate$1,485
- 104. IA - Allied$1,674
- 105. IA - USAA$1,882
- 106. IA - State Farm$1,935
- 107. IA - American Family$2,795
- 108. IA - Auto-Owners Insurance Co$4,179
- 109. ID - MetLife$700
- 110. ID - American Family$742
- 111. ID - Allstate$760
- 112. ID - Farmers$991
- 113. ID - Travelers$1,042
- 114. ID - USAA$1,172
- 115. ID - State Farm$1,951
- 116. IL - Allstate$1,067
- 117. IL - Farmers$1,250
- 118. IL - Travelers$1,409
- 119. IL - American Family$1,504
- 120. IL - Nationwide$1,720
- 121. IL - State Farm$1,817
- 122. IL - USAA$1,994
- 123. IL - MetLife$2,059
- 124. IL - Chubb$2,308
- 125. IL - Country Financial$2,381
- 126. IN - Allstate$1,085
- 127. IN - Nationwide$1,407
- 128. IN - American Family$1,435
- 129. IN - Travelers$1,503
- 130. IN - Erie$1,515
- 131. IN - Farmers$1,521
- 132. IN - USAA$1,580
- 133. IN - State Farm$1,903
- 134. IN - Auto-Owners Insurance Co$2,588
- 135. KS - USAA$3,190
- 136. KS - Travelers$3,251
- 137. KS - Farmers$3,376
- 138. KS - State Farm$3,677
- 139. KS - Allstate$3,861
- 140. KS - Allied$3,972
- 141. KS - AAA$5,880
- 142. KS - American Family$6,590
- 143. KS - Auto-Owners Insurance Co$10,662
- 144. KY - Travelers$1,421
- 145. KY - Allstate$1,444
- 146. KY - USAA$1,503
- 147. KY - State Farm$2,086
- 148. KY - Auto-Owners Insurance Co$3,083
- 149. LA - State Farm$1,654
- 150. LA - Allstate$2,534
- 151. LA - USAA$3,448
- 152. LA - Farmers$6,845
- 153. MA - State Farm$961
- 154. MA - AIG$1,047
- 155. MA - MetLife$1,257
- 156. MA - Travelers$1,784
- 157. MA - USAA$1,824
- 158. MA - Universal Property$1,923
- 159. MA - Amica Mutual$1,948
- 160. MA - Chubb$2,572
- 161. MA - Allstate$2,635
- 162. MD - Travelers$1,229
- 163. MD - Erie$1,324
- 164. MD - MetLife$1,344
- 165. MD - State Farm$1,404
- 166. MD - Chubb$1,446
- 167. MD - USAA$1,486
- 168. MD - Homesite$1,698
- 169. MD - Allstate$1,810
- 170. MD - Farmers$1,917
- 171. MD - Nationwide$3,055
- 172. ME - MetLife$593
- 173. ME - Chubb$691
- 174. ME - Travelers$755
- 175. ME - State Farm$1,072
- 176. ME - Nationwide$1,105
- 177. ME - Allstate$1,431
- 178. ME - USAA$1,676
- 179. MI - Chubb$1,656
- 180. MI - USAA$1,659
- 181. MI - Auto-Owners Insurance Co$1,844
- 182. MI - State Farm$2,545
- 183. MI - Farmers$2,879
- 184. MI - Allstate$3,465
- 185. MN - Chubb$1,823
- 186. MN - Travelers$2,096
- 187. MN - Farmers$2,239
- 188. MN - State Farm$2,414
- 189. MN - Country Financial$2,557
- 190. MN - American Family$2,850
- 191. MN - Allstate$2,965
- 192. MN - Auto-Owners Insurance Co$4,939
- 193. MO - AAA$1,944
- 194. MO - Travelers$1,980
- 195. MO - USAA$1,985
- 196. MO - State Farm$2,338
- 197. MO - Allied$2,538
- 198. MO - Allstate$2,816
- 199. MO - American Family$3,758
- 200. MO - Farmers$4,319
- 201. MS - Travelers$1,502
- 202. MS - Allstate$1,735
- 203. MS - USAA$2,059
- 204. MS - Nationwide$3,249
- 205. MS - State Farm$3,270
- 206. MS - MetLife$3,413
- 207. MS - Farmers$4,097
- 208. MT - Chubb$1,092
- 209. MT - Travelers$2,600
- 210. MT - USAA$2,639
- 211. MT - Farmers$3,002
- 212. MT - Allstate$3,064
- 213. MT - State Farm$3,174
- 214. NC - Universal North America$946
- 215. NC - Heritage$979
- 216. NC - Travelers$1,006
- 217. NC - Auto-Owners Insurance Co$1,269
- 218. NC - USAA$1,464
- 219. NC - Erie$1,602
- 220. NC - MetLife$1,748
- 221. NC - Nationwide$1,830
- 222. NC - Allstate$1,861
- 223. NC - State Farm$2,279
- 224. ND - Allstate$1,238
- 225. ND - MetLife$1,250
- 226. ND - Country Financial$1,428
- 227. ND - Farmers$2,181
- 228. ND - State Farm$2,710
- 229. ND - Auto-Owners Insurance Co$3,348
- 230. ND - American Family$3,733
- 231. NE - Nationwide$2,427
- 232. NE - Farmers$2,590
- 233. NE - Travelers$2,630
- 234. NE - Allstate$2,724
- 235. NE - American Family$3,365
- 236. NE - State Farm$3,413
- 237. NE - MetLife$3,652
- 238. NH - Travelers$728
- 239. NH - MetLife$759
- 240. NH - Farmers$810
- 241. NH - Nationwide$812
- 242. NH - State Farm$983
- 243. NH - Allstate$986
- 244. NH - Amica Mutual$1,018
- 245. NH - USAA$1,091
- 246. NJ - Chubb$745
- 247. NJ - Travelers$863
- 248. NJ - State Farm$1,162
- 249. NJ - USAA$1,208
- 250. NJ - Allstate$1,223
- 251. NJ - ASI$1,305
- 252. NJ - MetLife$1,380
- 253. NJ - Homesite$1,941
- 254. NM - Travelers$1,130
- 255. NM - Allstate$1,150
- 256. NM - State Farm$1,475
- 257. NM - Farmers$1,877
- 258. NV - Travelers$691
- 259. NV - Universal North America$714
- 260. NV - Farmers$716
- 261. NV - American Family$774
- 262. NV - Allstate$807
- 263. NV - Country Financial$1,147
- 264. NV - State Farm$1,200
- 265. NV - USAA$1,201
- 266. NY - State Farm$934
- 267. NY - Nationwide$1,047
- 268. NY - MetLife$1,070
- 269. NY - Travelers$1,277
- 270. NY - Allstate$1,622
- 271. NY - Chubb$1,921
- 272. NY - USAA$1,942
- 273. OH - Travelers$974
- 274. OH - Erie$1,066
- 275. OH - Farmers$1,087
- 276. OH - American Family$1,129
- 277. OH - Nationwide$1,243
- 278. OH - Allstate$1,279
- 279. OH - State Farm$1,417
- 280. OH - USAA$1,463
- 281. OH - Auto-Owners Insurance Co$4,083
- 282. OK - Allstate$2,941
- 283. OK - Chubb$3,165
- 284. OK - Farmers$3,250
- 285. OK - USAA$4,351
- 286. OK - Travelers$4,464
- 287. OK - State Farm$4,737
- 288. OK - MetLife$6,110
- 289. OK - AAA$9,240
- 290. OR - Farmers$545
- 291. OR - Travelers$597
- 292. OR - American Family$634
- 293. OR - Nationwide$644
- 294. OR - MetLife$780
- 295. OR - Allstate$900
- 296. OR - State Farm$939
- 297. OR - USAA$974
- 298. OR - Country Financial$1,289
- 299. PA - Farmers$855
- 300. PA - Allstate$938
- 301. PA - USAA$1,130
- 302. PA - Erie$1,230
- 303. PA - Chubb$1,261
- 304. PA - Travelers$1,691
- 305. PA - State Farm$1,769
- 306. PA - Nationwide$1,905
- 307. RI - State Farm$748
- 308. RI - AIG$1,068
- 309. RI - Amica Mutual$1,363
- 310. RI - MetLife$1,389
- 311. RI - Nationwide$1,497
- 312. RI - Allstate$1,862
- 313. SC - Allstate$833
- 314. SC - Universal North America$1,182
- 315. SC - State Farm$1,269
- 316. SC - Nationwide$2,844
- 317. SC - Heritage$2,933
- 318. SC - USAA$3,322
- 319. SC - ASI$3,862
- 320. SC - Chubb$4,249
- 321. SC - Auto-Owners Insurance Co$6,075
- 322. SC - Travelers$7,203
- 323. SD - Travelers$1,666
- 324. SD - Farmers$2,048
- 325. SD - USAA$2,241
- 326. SD - Allstate$2,369
- 327. SD - State Farm$2,764
- 328. SD - American Family$3,190
- 329. SD - Auto-Owners Insurance Co$3,536
- 330. TN - Allstate$1,776
- 331. TN - USAA$1,896
- 332. TN - Erie$2,095
- 333. TN - State Farm$2,360
- 334. TN - Auto-Owners Insurance Co$6,333
- 335. TN - Travelers$6,335
- 336. TX - Universal North America$2,108
- 337. TX - Chubb$2,191
- 338. TX - Farmers$2,459
- 339. TX - Nationwide$3,144
- 340. TX - Allstate$3,296
- 341. TX - USAA$3,526
- 342. TX - Travelers$3,578
- 343. TX - State Farm$4,184
- 344. TX - Amica Mutual$4,273
- 345. TX - Hartford$5,145
- 346. UT - Farmers$432
- 347. UT - Travelers$678
- 348. UT - American Family$683
- 349. UT - Allstate$768
- 350. UT - Nationwide$774
- 351. UT - MetLife$923
- 352. UT - State Farm$1,098
- 353. UT - USAA$1,294
- 354. UT - Auto-Owners Insurance Co$3,080
- 355. VA - Nationwide$826
- 356. VA - Universal Property$1,167
- 357. VA - MetLife$1,304
- 358. VA - State Farm$1,315
- 359. VA - ASI$1,421
- 360. VA - Erie$1,545
- 361. VA - Chubb$1,754
- 362. VA - Travelers$1,776
- 363. VA - Allstate$2,076
- 364. VA - Farmers$3,538
- 365. VA - Auto-Owners Insurance Co$5,916
- 366. VT - Allstate$983
- 367. VT - State Farm$1,043
- 368. VT - Travelers$1,246
- 369. VT - USAA$1,516
- 370. WA - Travelers$677
- 371. WA - Allied$841
- 372. WA - Allstate$905
- 373. WA - Chubb$920
- 374. WA - MetLife$990
- 375. WA - Farmers$1,260
- 376. WA - USAA$1,290
- 377. WA - State Farm$1,314
- 378. WA - Country Financial$1,759
- 379. WI - Erie$546
- 380. WI - Travelers$994
- 381. WI - Allstate$1,009
- 382. WI - Allied$1,079
- 383. WI - American Family$1,332
- 384. WI - State Farm$1,333
- 385. WI - USAA$1,345
- 386. WI - Chubb$1,441
- 387. WI - Auto-Owners Insurance Co$1,512
- 388. WI - Farmers$1,978
- 389. WV - USAA$1,223
- 390. WV - Erie$1,307
- 391. WV - Nationwide$1,448
- 392. WV - Allstate$1,697
- 393. WV - State Farm$1,753
- 394. WY - USAA$867
- 395. WY - Allied$1,227
- 396. WY - State Farm$2,095
- 397. WY - Foremost$2,327
- 398. WY - Allstate$3,311
Cheapest by State: $500K Dwelling Coverage
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- State & CompanyAnnual Premium
- 1. AK - USAA$1,471
- 2. AK - Country Financial$1,879
- 3. AK - State Farm$1,902
- 4. AK - Allstate$2,520
- 5. AL - Farmers$1,116
- 6. AL - Allstate$2,173
- 7. AL - USAA$2,662
- 8. AL - Travelers$2,721
- 9. AL - MetLife$3,188
- 10. AL - Country Financial$3,277
- 11. AL - Nationwide$3,829
- 12. AL - State Farm$4,771
- 13. AL - Auto-Owners Insurance Co$12,370
- 14. AR - USAA$3,481
- 15. AR - Farmers$3,728
- 16. AR - Travelers$3,854
- 17. AR - Allstate$5,063
- 18. AR - State Farm$5,141
- 19. AR - Nationwide$6,126
- 20. AR - MetLife$6,470
- 21. AR - Auto-Owners Insurance Co$16,115
- 22. AZ - USAA$1,584
- 23. AZ - American Family$1,712
- 24. AZ - ASI$1,771
- 25. AZ - Nationwide$1,827
- 26. AZ - State Farm$2,107
- 27. AZ - Chubb$2,212
- 28. AZ - Farmers$2,527
- 29. AZ - Allstate$2,759
- 30. AZ - MetLife$2,900
- 31. AZ - AAA$4,109
- 32. AZ - Country Financial$4,213
- 33. AZ - Travelers$4,795
- 34. AZ - Auto-Owners Insurance Co$11,562
- 35. CA - Allstate$1,333
- 36. CA - ASI$1,412
- 37. CA - Travelers$1,449
- 38. CA - USAA$1,580
- 39. CA - AAA$1,652
- 40. CA - State Farm$1,664
- 41. CA - Universal North America$1,777
- 42. CA - Nationwide$1,815
- 43. CA - Hartford$2,246
- 44. CA - AIG$2,392
- 45. CA - MetLife$2,711
- 46. CA - Farmers$2,949
- 47. CA - Chubb$3,048
- 48. CO - Chubb$2,711
- 49. CO - Allstate$3,475
- 50. CO - American Family$3,754
- 51. CO - Travelers$4,036
- 52. CO - MetLife$4,493
- 53. CO - Auto-Owners Insurance Co$4,654
- 54. CO - State Farm$4,772
- 55. CO - USAA$4,784
- 56. CO - Nationwide$5,369
- 57. CO - Country Financial$7,398
- 58. CO - Farmers$10,857
- 59. CT - ASI$1,862
- 60. CT - Farmers$2,635
- 61. CT - USAA$2,650
- 62. CT - Travelers$2,724
- 63. CT - Homesite$2,837
- 64. CT - State Farm$2,843
- 65. CT - MetLife$3,279
- 66. CT - Amica Mutual$3,331
- 67. CT - Allstate$4,105
- 68. CT - Chubb$4,531
- 69. DC - Allstate$1,275
- 70. DC - Chubb$1,330
- 71. DC - Travelers$2,029
- 72. DC - State Farm$2,216
- 73. DE - Travelers$1,188
- 74. DE - Nationwide$1,273
- 75. DE - State Farm$1,347
- 76. DE - Allstate$1,682
- 77. FL - Allstate$2,345
- 78. FL - Travelers$2,547
- 79. FL - Nationwide$2,857
- 80. FL - Chubb$3,034
- 81. FL - ASI$3,587
- 82. FL - Universal North America$3,622
- 83. FL - State Farm$4,776
- 84. FL - Universal Property$5,398
- 85. FL - Heritage$6,753
- 86. FL - Citizens$12,522
- 87. GA - Farmers$1,236
- 88. GA - ASI$2,236
- 89. GA - Chubb$2,501
- 90. GA - USAA$2,669
- 91. GA - Allstate$3,179
- 92. GA - Travelers$3,911
- 93. GA - Nationwide$4,417
- 94. GA - State Farm$4,448
- 95. GA - Country Financial$4,761
- 96. GA - Auto-Owners Insurance Co$9,197
- 97. HI - Allstate$446
- 98. HI - Universal North America$556
- 99. HI - State Farm$1,013
- 100. HI - AIG$1,041
- 101. IA - Farmers$2,079
- 102. IA - Allstate$2,307
- 103. IA - Travelers$2,462
- 104. IA - State Farm$3,228
- 105. IA - USAA$3,308
- 106. IA - Allied$3,351
- 107. IA - American Family$4,215
- 108. IA - Auto-Owners Insurance Co$7,144
- 109. ID - American Family$1,127
- 110. ID - Allstate$1,326
- 111. ID - MetLife$1,372
- 112. ID - USAA$1,820
- 113. ID - Farmers$1,944
- 114. ID - Travelers$2,035
- 115. ID - State Farm$3,101
- 116. IL - Allstate$1,613
- 117. IL - American Family$2,296
- 118. IL - Farmers$2,300
- 119. IL - Travelers$2,584
- 120. IL - USAA$2,980
- 121. IL - Nationwide$3,027
- 122. IL - State Farm$3,028
- 123. IL - MetLife$3,515
- 124. IL - Country Financial$4,032
- 125. IL - Chubb$4,074
- 126. IN - Allstate$1,559
- 127. IN - American Family$2,114
- 128. IN - USAA$2,401
- 129. IN - Farmers$2,473
- 130. IN - Nationwide$2,502
- 131. IN - Travelers$2,683
- 132. IN - Erie$3,049
- 133. IN - State Farm$3,171
- 134. IN - Auto-Owners Insurance Co$4,659
- 135. KS - USAA$4,855
- 136. KS - Farmers$5,228
- 137. KS - Allstate$5,351
- 138. KS - Travelers$5,486
- 139. KS - State Farm$6,129
- 140. KS - Allied$8,257
- 141. KS - American Family$9,423
- 142. KS - AAA$10,217
- 143. KS - Auto-Owners Insurance Co$18,301
- 144. KY - USAA$2,279
- 145. KY - Travelers$2,562
- 146. KY - Allstate$2,853
- 147. KY - State Farm$3,478
- 148. KY - Auto-Owners Insurance Co$5,114
- 149. LA - State Farm$2,756
- 150. LA - Allstate$5,780
- 151. LA - USAA$5,906
- 152. LA - Farmers$14,366
- 153. MA - State Farm$1,692
- 154. MA - AIG$1,895
- 155. MA - MetLife$2,182
- 156. MA - USAA$2,841
- 157. MA - Amica Mutual$3,033
- 158. MA - Travelers$3,325
- 159. MA - Chubb$3,329
- 160. MA - Universal Property$3,713
- 161. MA - Allstate$3,764
- 162. MD - Travelers$2,211
- 163. MD - USAA$2,278
- 164. MD - State Farm$2,339
- 165. MD - Erie$2,699
- 166. MD - Chubb$2,738
- 167. MD - MetLife$2,778
- 168. MD - Homesite$3,032
- 169. MD - Allstate$3,202
- 170. MD - Farmers$4,171
- 171. MD - Nationwide$5,845
- 172. ME - MetLife$1,233
- 173. ME - Travelers$1,427
- 174. ME - Chubb$1,437
- 175. ME - State Farm$1,786
- 176. ME - Nationwide$2,269
- 177. ME - Allstate$2,656
- 178. ME - USAA$2,805
- 179. MI - USAA$2,634
- 180. MI - Chubb$3,191
- 181. MI - Auto-Owners Insurance Co$3,198
- 182. MI - State Farm$4,242
- 183. MI - Farmers$5,466
- 184. MI - Allstate$5,949
- 185. MN - Chubb$3,171
- 186. MN - Farmers$3,612
- 187. MN - Travelers$3,633
- 188. MN - State Farm$4,028
- 189. MN - American Family$4,058
- 190. MN - Country Financial$4,269
- 191. MN - Allstate$5,378
- 192. MN - Auto-Owners Insurance Co$8,181
- 193. MO - USAA$3,051
- 194. MO - AAA$3,544
- 195. MO - Travelers$3,579
- 196. MO - State Farm$3,897
- 197. MO - Allstate$4,198
- 198. MO - Allied$4,436
- 199. MO - American Family$5,325
- 200. MO - Farmers$9,697
- 201. MS - Allstate$2,984
- 202. MS - Travelers$3,067
- 203. MS - USAA$3,327
- 204. MS - State Farm$5,450
- 205. MS - Nationwide$6,419
- 206. MS - MetLife$7,066
- 207. MS - Farmers$7,357
- 208. MT - Chubb$1,758
- 209. MT - USAA$3,481
- 210. MT - Travelers$4,345
- 211. MT - Allstate$4,489
- 212. MT - Farmers$4,594
- 213. MT - State Farm$5,290
- 214. NC - Universal North America$1,570
- 215. NC - Heritage$1,645
- 216. NC - Travelers$1,759
- 217. NC - Auto-Owners Insurance Co$2,128
- 218. NC - USAA$2,557
- 219. NC - Erie$2,965
- 220. NC - Allstate$3,132
- 221. NC - MetLife$3,248
- 222. NC - Nationwide$3,273
- 223. NC - State Farm$3,810
- 224. ND - Allstate$2,456
- 225. ND - MetLife$2,457
- 226. ND - Country Financial$2,577
- 227. ND - Farmers$3,423
- 228. ND - State Farm$4,523
- 229. ND - American Family$5,329
- 230. ND - Auto-Owners Insurance Co$5,701
- 231. NE - Allstate$3,771
- 232. NE - Farmers$3,910
- 233. NE - Travelers$4,503
- 234. NE - American Family$5,162
- 235. NE - Nationwide$5,235
- 236. NE - State Farm$5,693
- 237. NE - MetLife$7,253
- 238. NH - Travelers$1,410
- 239. NH - Farmers$1,435
- 240. NH - MetLife$1,446
- 241. NH - Nationwide$1,615
- 242. NH - State Farm$1,637
- 243. NH - Allstate$1,761
- 244. NH - USAA$1,845
- 245. NH - Amica Mutual$1,983
- 246. NJ - Chubb$1,404
- 247. NJ - Travelers$1,659
- 248. NJ - USAA$1,859
- 249. NJ - State Farm$1,937
- 250. NJ - MetLife$2,364
- 251. NJ - ASI$2,415
- 252. NJ - Allstate$3,347
- 253. NJ - Homesite$3,761
- 254. NM - Allstate$1,922
- 255. NM - Travelers$2,047
- 256. NM - State Farm$2,458
- 257. NM - Farmers$3,983
- 258. NV - American Family$1,150
- 259. NV - Farmers$1,338
- 260. NV - Universal North America$1,368
- 261. NV - Travelers$1,374
- 262. NV - Allstate$1,584
- 263. NV - USAA$1,803
- 264. NV - State Farm$2,000
- 265. NV - Country Financial$2,001
- 266. NY - Nationwide$1,931
- 267. NY - State Farm$2,068
- 268. NY - Travelers$2,398
- 269. NY - MetLife$2,409
- 270. NY - Allstate$2,678
- 271. NY - USAA$3,064
- 272. NY - Chubb$3,644
- 273. OH - American Family$1,668
- 274. OH - Farmers$1,841
- 275. OH - Travelers$1,903
- 276. OH - Erie$2,082
- 277. OH - Allstate