We analyzed home insurance rates across four dwelling coverage levels and reviewed complaint data from state insurance departments to identify the cheapest home insurance companies for different ...
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10 States with the Cheapest Home Insurance in 2025
While home insurance rates soared after the wildfires in California and hurricanes in Florida, there are a few states where homeowners are paying well below average premiums to protect their homes.
We used the Forbes Advisor home insurance comparison to run a series of quotes for different types of properties: a detached ...
USAA has the cheapest homeowners insurance, which costs an average $149 per month. It’s followed by State Farm’s $151 monthly premium.
Nearly two-thirds (71%) of homeowners say the cost of their homeowners insurance has increased over the past few years, according to a 2026 survey from the Pew Research Center, including 42% who say ...
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