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 ...

With its flexible coverage and positive customer feedback, Amica is the overall best homeowners insurance provider in our ...

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USAA has the cheapest homeowners insurance, which costs an average $149 per month. It’s followed by State Farm’s $151 monthly premium.

In February 2026, homeowners insurance averaged $2,424 a year for a $300,000 dwelling nationwide, according to data from Bankrate.