Find the Best Low-Cost Homeowners Insurance

We scoured the nation for low-cost home insurance quotes and found them in your state. Homeownership remains expensive, so why pay homeowners insurance more than necessary? Don't settle for a high price; homeowners' low-cost insurance provides good cover. Insurezio.com combed through pricing data from 145 insurance providers to find reasonably priced home insurance in every state as well as the country's largest cities. The rates shown below are for a homeowners insurance policy for a 40-year-old homeowner with a $1,000 deductible, $300,000 in dwelling coverage, and $300,000 in liability coverage; however, your rates may vary.

Top-rated firms offer low-cost homeowners insurance.

Insurezio.com examined average rates from some of our top-rated insurance providers to determine which had the most competitive homeowners insurance premiums. The table below shows the average annual and monthly rates, as well as our star ranking.

Each state has low-cost home insurance.

The location of your home and property has a significant effect on the cost of insurance for your home and belongings. How close you live to the coast, crime rates in your state, population density, and other factors can all have an impact on your rate. Use the map below to see the cheapest home insurance rates in each state, as well as the overall annual rate. The most competitive domestic insurers are described below with annual and monthly average rates in each country. In certain countries, USAA is the cheapest home insurance provider, but its products and services are only available to military, veteran and family members.

Please Enter Your Zip Code To Get the Best Rates In Your Area

State	Cheapest company on average	Average annual rate	Average monthly rate
Alabama	Allstate	$1,229	$102
Alaska	State Farm	$1,088	$91
Arizona	State Farm	$934	$78
Arkansas	Arkansas Farm Bureau	$2,036	$170
California	Travelers	$726	$61
Colorado	State Auto	$919	$77
Connecticut	Vermont Mutual	$673	$56
Delaware	Nationwide	$494	$41
Florida	Security First	$747	$62
Georgia	Auto-Owners	$1,078	$90
Hawaii	Allstate	$306	$26
Idaho	Grange Insurance Association	$721	$60
Illinois	MetLife	$931	$78
Indiana	Buckeye	$577	$48
Iowa	West Bend	$1,070	$89
Kansas	Auto-Owners	$2,101	$175
Kentucky	State Farm	$1,863	$155
Louisiana	UPC Insurance	$922	$77
Maine	MetLife	$533	$44
Maryland	Brethren Mutual	$683	$57
Massachusetts	Quincy Mutual	$746	$62
Michigan	Meemic	$703	$59
Minnesota	Auto-Owners	$1,207	$101
Mississippi	Allstate	$1,125	$94
Missouri	Auto Club of SoCal	$1,417	$118
Montana	Chubb	$1,192	$99
Nebraska	Farmers Mutual of Nebraska	$2,281	$190
Nevada	Farmers	$713	$59
New Hampshire	Mapfre	$558	$47
New Jersey	Selective	$522	$44
New Mexico	State Farm	$1,343	$112
New York	New York Central Mutual	$638	$53
North Carolina	Travelers	$1,382	$115
North Dakota	Farmers Union	$1,317	$110
Ohio	Buckeye	$446	$37
Oklahoma	Farmers	$2,688	$224
Oregon	Mutual of Enumclaw	$545	$45
Pennsylvania	Westfield	$412	$34
Rhode Island	State Farm	$557	$46
South Carolina	Bankers Insurance	$1,017	$85
South Dakota	Farmers Mutual of Nebraska	$1,672	$139
Tennessee	Shelter	$1,415	$118
Texas	Houston General	$1,850	$154
Utah	American Family	$636	$53
Vermont	Vermont Mutual	$455	$38
Virginia	Cincinnati Insurance	$557	$46
Washington	Nationwide	$595	$50
Washington, D.C.	Chubb	$900	$75
West Virginia	Westfield	$1,008	$84
Wisconsin	Rockford Mutual	$685	$57
Wyoming	Nationwide	$1,085	$90

Get The Best Home Insurance in your Location

Select More Than 2 Insurance Companies for Best Rates In Your Location:

How to Find Low-Cost Homeowners Insurance

Some need a little more effort than others, but there are many ways to obtain low-cost protection for your home and belongings. Some of the most popular ways to save money on home insurance are mentioned below. Look around. Do not purchase the first policy for which you receive a quote; instead, compare prices from different companies in your region to find an affordable policy from a reliable business. You can get started with our guide to the best homeowners insurance providers.

Make sure you have enough coverage for your house. Don't insure your home based on its existing market value (how much it might sell for) — instead, insure it based on how much it will cost to restore it in the event of a lawsuit. Allow your home insurance agent or provider to estimate the replacement cost of your home so that you can insure it for the correct sum.

• Combine your policies. Many providers have a discount if you combine your home and auto insurance plans, making all policies more affordable.

• Boost your deductible. You can will your premium by selecting a higher deductible, just make sure you have enough cash on hand to cover it if you need to file a lawsuit.

• Small claims should be avoided. Most home insurance providers have a discount to consumers who have not made a claim in the previous three to five years. To stop premium increases, pay for home repairs in cash if possible and file a claim only when absolutely appropriate.

• Purchases that are risky should be avoided. Trampolines and abusive dog breeds, for example, are considered high risk for a liability claim and can increase the cost of your homeowners insurance. So, if you want inexpensive coverage, think twice before installing the swimming pool.

• Enhance the security of your house. Making your home safer now could save you money on home insurance later. Many insurance providers have discounts for home security features that protect against fire and burglary. Fire extinguishers, deadbolts, monitoring devices, and other features may all contribute to lower costs.

• Improve your credit score. In general, poor credit leads to high insurance premiums, like homeowners insurance. Although it is not an instant fix, you can restore your reputation by making on-time payments and using less than 10% of your total credit card limits, if possible.