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

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A policy with lower premiums can come with added risks.

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If you're seeing a rise in your homeowners insurance premiums, you're not alone. The average cost of a homeowners policy has risen more than 30% since 2020, according to joint research from the ...

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 ...

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

Cheap home insurance offers coverage at a reasonable price. The best options include Amica, State Farm, Allstate, and more. Insure your home today.