Bundling your home and auto insurance and shopping around are good ways to save money on home insurance. Make sure to ask about any discounts that may be available to you.
Compare Home Insurance Companies and Rates
Our guide to home insurance compares top companies on factors like rates, coverage options and customer service ratings.
Updated on:
October 13, 2025
Find the Cheapest Home Insurance Quotes in Your Area
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Shopping tips
- Comparing home insurance quotes can save you money.
- It’s important to get the right amount of homeowners insurance coverage.
- Ratings help you find a company you can trust.
- Insurance companies need details about your home for quotes.
- Some of these details are on your county assessor’s website.
- It’s important to account for coverage differences in each quote.
- It never hurts to ask about home insurance discounts that may have been overlooked.
Compare home insurance company rates
State Farm has the cheapest home insurance rates at $2,427 a year, or $202 a month, on average. Allstate is only slightly more expensive at around $213 a month. However, each company’s rates vary by customer.
Your actual rate depends on factors like your location, your home’s features and, in most states, your credit history. Comparing home insurance quotes helps you find the cheapest rate for your situation.
Home insurance rates by company
| Company | Annual rate | Monthly rate | LendingTree score | |
|---|---|---|---|---|
 | State Farm | $2,427 | $202 |  |
 | Allstate | $2,560 | $213 | |
 | Chubb | $2,606 | $217 | |
 | Progressive | $2,648 | $221 | |
 | Nationwide | $3,055 | $255 |  |
 | American Family | $3,072 | $256 | |
 | Travelers | $3,149 | $262 | |
 | Farmers | $3,801 | $317 | |
 | USAA* | $2,507 | $209 | |
Find the Cheapest Home Insurance Quotes in Your Area
Compare home insurance quotes by state
The location of your home affects how much you pay for home insurance. If your home insurance rate is higher than your state average, it’s good to shop for cheaper quotes.
Home insurance rates by state
| State | Average rate | Cheapest company | Cheapest premium |
|---|---|---|---|
| Alabama | $3,217 | Allstate | $2,228 |
| Alaska | $1,475 | Western National | $1,235 |
| Arizona | $2,623 | State Farm | $1,737 |
| Arkansas | $3,722 | MetLife | $2,519 |
| California | $1,260 | USAA | $799 |
| Colorado | $4,489 | Chubb | $2,614 |
| Connecticut | $2,618 | Allstate | $1,737 |
| Delaware | $1,701 | Nationwide | $840 |
| District of Columbia | $1,764 | Nationwide | $1,409 |
| Florida | $3,889 | Chubb | $2,294 |
| Georgia | $2,869 | Progressive | $2,061 |
| Hawaii | $632 | UPC Insurance | $370 |
| Idaho | $2,178 | Mutual of Enumclaw | $957 |
| Illinois | $2,743 | Nationwide | $1,545 |
| Indiana | $2,643 | Erie Insurance | $1,453 |
| Iowa | $2,697 | Pekin Insurance | $1,830 |
| Kansas | $5,412 | Shelter Insurance | $3,227 |
| Kentucky | $4,671 | Cincinnati Insurance Co. | $2,030 |
| Louisiana | $4,033 | State Farm | $1,274 |
| Maine | $1,863 | Vermont Mutual Insurance | $1,006 |
| Maryland | $1,810 | Travelers | $1,384 |
| Massachusetts | $1,906 | Norfolk & Dedham Group | $685 |
| Michigan | $2,467 | The Hanover Insurance Group | $1,004 |
| Minnesota | $3,642 | North Star Mutual Insurance Co. | $2,001 |
| Mississippi | $4,201 | Southern Farm Bureau Casualty | $3,249 |
| Missouri | $3,387 | Allstate | $2,356 |
| Montana | $3,068 | Farmers | $1,660 |
| Nebraska | $5,912 | American Family | $3,834 |
| Nevada | $1,626 | Nationwide | $1,065 |
| New Hampshire | $1,760 | Vermont Mutual Insurance | $1,048 |
| New Jersey | $1,744 | Allstate | $1,028 |
| New Mexico | $3,354 | State Farm | $2,183 |
| New York | $1,897 | NYCM Insurance | $529 |
| North Carolina | $3,378 | State Farm | $1,475 |
| North Dakota | $2,911 | North Star Mutual Insurance Co. | $1,947 |
| Ohio | $2,207 | Erie Insurance | $1,242 |
| Oklahoma | $6,133 | American Farmers & Ranchers | $4,466 |
| Oregon | $1,885 | Mutual of Enumclaw | $782 |
| Pennsylvania | $1,928 | Westfield Insurance | $1,017 |
| Rhode Island | $2,240 | State Farm | $1,027 |
| South Carolina | $3,335 | Allstate | $1,274 |
| South Dakota | $3,605 | North Star Mutual Insurance Co. | $2,530 |
| Tennessee | $2,857 | Erie Insurance | $2,332 |
| Texas | $5,180 | Texas Farm Bureau Insurance | $3,474 |
| Utah | $1,507 | Farm Bureau Financial Services | $1,230 |
| Vermont | $1,339 | Allstate | $768 |
| Virginia | $2,499 | State Farm | $1,483 |
| Washington | $1,600 | Mutual of Enumclaw | $907 |
| West Virginia | $2,511 | USAA | $1,197 |
| Wisconsin | $2,159 | Erie Insurance | $1,222 |
| Wyoming | $2,323 | Nationwide | $1,408 |
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How to compare home insurance
A little preparation makes it easier to compare home insurance companies. Along with your address and a few personal details, you’ll need to provide:
- Your policy’s start date: If you’re buying a home, your coverage needs to begin on your close date. You can switch companies almost anytime. Keep your existing policy active until the new one begins.
- Your coverage needs: If you’re comparison shopping, pull up your current policy’s declarations, or dec page. This shows your existing coverage amounts, which are a good starting point.
- Basic details about your home: The information most home insurance companies need to prepare your quote includes:
- The year your home was built
- Your home’s square footage
- Your home’s foundation type (basement, crawl space, etc.)
- The garage style (attached, built-in or detached) of your home
- The number of stories your home has
- Your home’s building and roofing materials
- Flooring, countertop and cabinet materials used in your home
- The type of heating your home uses
- Your home’s fuel source (electricity or natural gas)
You can find most of this information on your county assessor’s website or in your inspection report. Most insurance companies can also help you find these details.
How to shop
You should also choose a shopping option that makes you comfortable. You can shop for home insurance online, work with an agent or combine these options.
Online shopping
A few home insurance companies offer fully online shopping. This is a great option if you already know how much coverage you need. Most online insurance companies also offer live help by phone or chat.
You can get quotes directly from insurance company websites or use a comparison site like LendingTree. Comparison sites help you get multiple quotes with one questionnaire.
Working with an agent
An insurance agent can answer your questions and help you get the right amount of coverage. Some companies have captive, or exclusive, agents. Others work with independent agents.
- Captive agents can only give you quotes from the company they work for. You have to contact each of these companies’ agents separately. State Farm and Allstate are two examples of captive agent companies.
- Independent agents can get quotes from many different companies, helping you comparison shop. Travelers and Nationwide are examples of companies that work with independent agents. Independent agents can’t get you a quote from a captive-agent company.
Home insurance rating comparisons
J.D. Power J.D. Power’s satisfaction scores are based on customer surveys rating companies on factors like price, coverage options and problem resolution. , the National Association of Insurance Commissioners The NAIC rates companies on confirmed complaints by size. A confirmed complaint is one that leads to a finding of fault. (NAIC) and LendingTree have helpful customer service ratings.
- Companies that make it hard to get help or resolve complaints tend to have low satisfaction ratings from J.D. Power.
- The NAIC gives bad complaint ratings to companies that often mishandle claims.
- Companies with high rates, poor customer service or inflexible coverage options get low scores from LendingTree.
USAA and Chubb have excellent scores in all three ratings. However, USAA is only available to the military community, and Chubb is for high-value homes. For most homeowners, State Farm has the best satisfaction rating, and American Family has the best complaint rating.
Home insurance company ratings
| Company | Annual rate | J.D. Power Source: J.D. Power 2024 U.S. Home Insurance Study. Higher is better. | NAIC Source: NAIC 2024 Complaint Index. Lower is better. | LendingTree |
|---|---|---|---|---|
| Allstate | $2,560 | 631 | 1.1 | |
| American Family | $3,072 | 638 | 0.5 | |
| Chubb | $2,606 | 688 | 0.1 | |
| Farmers | $3,801 | 609 | 0.9 | |
| Nationwide | $3,055 | 641 | 1.3 | |
| Progressive | $2,648 | 634 | 1.7 | |
| State Farm | $2,427 | 643 | 1.2 | |
| Travelers | $3,149 | 609 | 0.9 | |
| USAA* | $2,507 | 737 | 0.4 | |
Expert advice
Why is it important to compare home insurance quotes?
Rob Bhatt is a licensed insurance agent and writer for LendingTree. |
“Comparing home insurance quotes helps you get the most affordable rate. Companies change the way they set their rates from time to time. Your own rate qualifications can also change, especially if you improve your credit and avoid claims. “Comparing quotes before you buy or renew your policy protects you from overpaying. This can help reduce the strain on your household budget.” |
Home insurance company comparisons
Here’s how top home insurance companies compare on factors like price, customer service and coverage options.
Allstate
Annual rate: $2,560
LendingTree score:
Allstate has several discounts that can make its low home insurance rates more affordable. These include a welcome discount just for switching to Allstate and another for buying your policy in advance.
Its 25% discount for bundling is generous. Unfortunately, these savings are offset by Allstate’s high car insurance rates. It charges 41% more than the national average.
Add-on coverage for water backups and valuables lets you customize your coverage. Allstate’s “green improvement reimbursement” is unique. It pays to replace damaged items with new ones that are more energy efficient.
Pros
Cheap home insurance rates
Customizable coverage options
Several ways to save with discounts
Cons
Customer satisfaction is worse than average
High auto rates offset bundling discount
American Family
Annual rate: $3,072
LendingTree score:
An excellent complaint rating means American Family, or AmFam, does a good job settling claims. Its rates before discounts are 10% higher than the national average. However, its discounts for new homes, renovated homes and bundling can make it more affordable.
American Family’s Inland Flood coverage can come in handy in areas with moderate flood risks. It’s not full-fledged flood insurance, but it does give you some protection for flood damage. AmFam also has coverage options for home-based businesses and short-term rentals.
Pros
Excellent NAIC complaint rating
Flexible coverage options
Limited flood protection available
Cons
Home rates are 10% higher than average
Satisfaction rating is just average
Chubb
Annual rate: $2,606
LendingTree score:
Chubb specializes in insurance for high-value homes, or those with a rebuild value above $1 million. Its standard policies include replacement cost coverage for your belongings. Most other companies charge extra for this.
Chubb’s HomeScan service helps detect problems like leaks and faulty wiring. This lets you fix these problems before they lead to more severe damage. Chubb also offers a cash settlement if you don’t want to rebuild in your current location after a total loss.
Pros
Excellent customer service ratings
Cash settlement option for a total home loss
Replacement cost coverage for your belongings
Cons
Usually only insures high-end homes
No online quotes
Farmers
Annual rate: $3,801
LendingTree score:
Like most companies, Farmers gives you a discount for bundling policies, avoiding claims and having protective devices. It also offers an affinity discount to homeowners with certain professional or academic backgrounds. These affinity discounts also extend to current and former military service members.
Farmers’ low satisfaction score means the company isn’t dazzling its customers with great rates and service, and its complaint score is only better than average. It does a better job settling claims than a typical company, but not by much.
Pros
Affinity discounts for military and certain professions
Slightly better than average on complaints
Personalized service from local agents
Cons
Expensive rates before discounts
Below-average customer satisfaction
Nationwide
Annual rate: $3,055
LendingTree score:
Nationwide’s optional Better Roof Replacement rebuilds your roof with stronger materials after a disaster. This can help protect your home from a future disaster.
The company’s optional identity theft protection is a cut above other home insurance plans. It includes credit monitoring and only costs $45 a year. This is cheaper than some standalone identity protection plans.
At $3,055 a year, Nationwide’s home insurance rate is 9% above the national average. The discount it offers for bundling makes it more affordable. You can also get discounts if you recently bought or renovated your home.
Pros
Flexible coverage options for your roof
Discounts for recently bought homes
Good ID theft plan for a home insurance company
Cons
Higher-than-average home insurance rates
Complaint score is worse than average
Progressive
Annual rate: $2,648
LendingTree score:
Progressive charges 5% less than the national average for home insurance before discounts. However, bundling policies only saves you another 7% or so. This is smaller than the discount many other companies offer for bundling.
The company’s customer service ratings are worse than average. Its 1.7 complaint rating is especially troubling. It means Progressive has 70% more confirmed home insurance complaints than average.
Pros
Cheap home insurance rates
Money-saving discounts can make it more affordable
User-friendly website makes it easy to shop online
Cons
Poor complaint rating
Relatively small discount for bundling
State Farm
Annual rate: $2,427
LendingTree score:
Along with low home insurance rates, State Farm charges 24% less than the national average for car insurance. This makes State Farm a great choice for bundling. Doing so earns you a multipolicy discount that lowers your combined home and auto rate even more.
State Farm offers all the basic coverages like dwelling, personal property and liability. However, it doesn’t offer many of the extras that other companies have. For example, State Farm doesn’t have home insurance add-ons for home-based business or home sharing. It does offer business-owners insurance, but only as a separate policy.
Pros
Charges 13% less than U.S. average for home insurance
Cheap home and auto rates are good for bundling
Excellent customer satisfaction rating
Cons
Coverage options limited to the basics
Complaint rating is worse than average
Travelers
Annual rate: $3,149
LendingTree score:
Travelers home insurance rates are 12% higher than the national average. However, its low car insurance rates can make it a good deal for bundlers. Travelers also has a discount for eco-friendly homes. Your home needs Leadership in Energy and Environmental Design (LEED) certification to qualify.
The company’s low satisfaction score means other companies have happier customers. From a ratings perspective, Travelers’ better-than-average complaint score is a saving grace.
Pros
Cheap car insurance can make it a good deal for bundlers
Complaint score is better than average
Discount for LEED-certified homes
Cons
Home rates are 12% higher than U.S. average
Low customer satisfaction
USAA
Annual rate: $2,507
LendingTree score:
USAA has a cheaper average home insurance rate than most other companies. It also has a higher satisfaction rating than any other home insurance company. These factors help make USAA a great choice if you meet its military eligibility requirements.
A user-friendly website makes it easy to get quotes online and manage your policy. The company also provides live help by phone and online chat.
However, you usually get a different insurance agent each time you call in for assistance. Other companies let you work with the same agent on an ongoing basis, which often gets you more personalized service.
Pros
Cheap rates
Highest satisfaction score
Excellent complaint rating
Cons
Only available to the military community
No personalized agent service
Sample home insurance quote comparison
Coverage types, limits and prices often vary by home insurance company. This can make it hard to compare companies on an exact apples-to-apples basis. You often have to decide whether a cheaper price is more important than more coverage or better customer service.
The difference in prices between the three quote examples below shows how different factors can affect your rate:
- Quote A is the most expensive. It pays to replace your belongings with new items. Quote B covers your items at lower amounts, factoring in age and wear.
- Quote C is the cheapest. It has a higher deductible than Quote A and Quote B. This will save you money upfront. However, you’ll need to come up with that higher deductible amount if disaster strikes.
Home insurance quote comparison
| Quote A | Quote B | Quote C |
|---|---|---|
| Dwelling coverage: $300,000 | Dwelling coverage: $300,000 | Dwelling coverage: $300,000 |
| Other structures: $30,000 | Other structures: $30,000 | Other structures: $30,000 |
| Personal property: $180,000, replacement cost | Personal property: $150,000, actual cash value | Personal property: $180,000, replacement cost |
| Loss of use: $60,000 | Loss of use: $60,000 | Loss of use: $60,000 |
| Personal liability: $100,000 | Personal liability: $100,000 | Personal liability: $100,000 |
| Medical payments: $5,000 | Medical payments: $5,000 | Medical payments: $5,000 |
| Endorsements: Extended replacement cost | Endorsements: None | Endorsements: Extended replacement cost |
| All-perils deductible: $1,000 | All-perils deductible: $1,000 | All-perils deductible: $2,000 |
| Price: $1,173 per year ($98 a month) | Price: $1,037 a year ($86 a month) | Price: $1,106 per year ($92 a month) |
Find the Cheapest Home Insurance Quotes in Your Area
Frequently asked questions
Homeowners insurance isn’t required by law. For mortgages, lenders make you insure your home at its replacement value, or estimated rebuild cost. You can insure it for a lower amount if you have a low loan balance or no mortgage. However, doing so is rarely advised.
If you’re buying a home, it’s best to begin shopping for homeowners insurance as soon as your offer is accepted. For mortgages, lenders require your insurance policy to take effect on your closing date.
Standard home insurance covers your belongings at actual cash value, or at depreciated prices. A replacement cost upgrade pays to replace damaged or stolen items with new ones.
Standard home insurance typically only offers limited coverage for certain valuables. Most policies only cover jewelry for up to $1,500 and have similar limits for antiques and fine art. However, you can usually pay extra to increase your coverage for items like these.