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Home insurance rates are increasing, and your coverage needs may be changing. As severe weather and a changing market make it harder to buy homeowners insurance at an affordable rate, knowing your options is more important than ever.

Home insurance is too important to risk not getting it right. Shop and compare home insurance rates with the experts at Insure.com to find the coverage you need from a top company, all at the right price.

Why choose Insure.com when shopping for home insurance?

Compare quotes quickly.

Get homeowners insurance quotes fast.

Compare top insurance companies.

Comparison shop from top home insurance companies to find the right policy.

Get expert advice.

We have decades of experience guiding homeowners through the insurance buying process.

Insure.com has been helping homeowners buy home insurance for more than 20 years. With easy-to-use tools developed by insurance experts, guidance and advice in straightforward terms and insights into rates and how to save, we can help you, too.

Insurance basics to know before you start shopping

When you’re shopping for something as important as home insurance, you need to know what you’re buying and how it works. Start by learning the basics of home insurance so you can make educated insurance decisions.

Home insurance basics Average home insurance rates Home insurance rates by state What does home insurance cover? Dwelling coverage

Additional living expenses coverage Personal property insurance Home insurance deductible Personal liability insurance Home insurance exclusions

How to shop for homeowners insurance Types of homeowners insurance Home insurance claims How to create a home inventory How to find a homeowners insurance policy

Compare the best home insurance companies of 2026

Every year, Insure.com delves into the customer experience, insurance pricing and third-party ratings to choose our list of the Best Home Insurance Companies. Compare our top picks for homeowners insurance to find the company that works best for you.

Best home insurance companies

2026 Rank	2025 Rank	Company	Overall Ranking	Customer Survey	Read full review
2026 Rank: 1	2025 Rank: 1	Amica	Overall rating 4.51	Customer satisfaction rating: 4.12	Amica review
2026 Rank: 2	2025 Rank: 7	Travelers	Overall rating 4.30	Customer satisfaction rating: 4.25	Travelers review
2026 Rank: 3	2025 Rank: 3	Allstate	Overall rating 4.23	Customer satisfaction rating: 4.38	Allstate review
2026 Rank: 4	2025 Rank: 2	State Farm	Overall rating 4.12	Customer satisfaction rating: 4.32	State Farm review
2026 Rank: 5	2025 Rank: 6	Farmers	Overall rating 4.00	Customer satisfaction rating: 4.31	Farmers review
2026 Rank: 6	2025 Rank: 5	Nationwide	Overall rating 3.83	Customer satisfaction rating: 4.31	Nationwide review
2026 Rank: 7	2025 Rank: 4	Progressive	Overall rating 3.42	Customer satisfaction rating: 4.04	Progressive review
2026 Rank: NR	2025 Rank: NR	USAA*	Overall rating 4.49	Customer satisfaction rating: 4.53	USAA review

Note: An insurer needs to do business in at least 40 states to rank as a national company.

Regional carriers were rated but not ranked. Six regional carriers made our ratings this year. If ranked alongside national carriers, Auto Club Enterprises would have taken first place.

Here’s how the rankings would have looked with regional carriers included.

Best home insurance companies with regional and national carriers

2026 Rank	2025 Rank	Company	Overall Ranking	Customer Survey	Read full review
2026 Rank: 1	2025 Rank: NR	Auto Club Enterprises (AAA SoCal)	Overall rating 4.57	Customer Survey rating: 4.59	Auto Club Enterprises review
2026 Rank: 2	2025 Rank: 1	Amica	Overall rating 4.51	Customer Survey rating: 4.12	Amica review
2026 Rank: 3	2025 Rank: 10	Travelers	Overall rating 4.30	Customer Survey rating: 4.25	Travelers review
2026 Rank: 4	2025 Rank: NR	Auto Club Group (AAA Midwest/South)	Overall rating 4.27	Customer Survey rating: 4.34	Auto Club Group review
2026 Rank: 5	2025 Rank: 5	Allstate	Overall rating 4.23	Customer Survey rating: 4.38	Allstate review
2026 Rank: 6(t)	2025 Rank: NR	CSAA Insurance Group (AAA NorCal/NV/UT)	Overall rating 4.20	Customer Survey rating: 4.18	CSAA Insurance Group review
2026 Rank: 6(t)	2025 Rank: 2	Erie	Overall rating 4.20	Customer Survey rating: 4.48	Erie review
2026 Rank: 8	2025 Rank: 4	Auto-Owners	Overall rating 4.18	Customer Survey rating: 4.22	Auto-Owners review
2026 Rank: 9	2025 Rank: 3	State Farm	Overall rating 4.12	Customer Survey rating: 4.32	State Farm review
2026 Rank: 10	2025 Rank: 9	Farmers	Overall rating 4.00	Customer Survey rating: 4.31	Farmers review
2026 Rank: 11	2025 Rank: 6(t)	American Family	Overall rating 3.96	Customer Survey rating: 4.29	American Family review
2026 Rank: 12	2025 Rank: 8	Nationwide	Overall rating 3.83	Customer Survey rating: 4.31	Nationwide review
2026 Rank: 13	2025 Rank: 6(t)	Progressive	Overall rating 3.42	Customer Survey rating: 4.04	Progressive review
2026 Rank: NR	2025 Rank: NR	USAA*	Overall rating 4.49	Customer Survey rating: 4.53	USAA review

Homeowners insurance rate comparison by state

Homeowners insurance rates vary quite a bit by state, as the risks in different areas affect how much insurance companies will charge. Take a look at how your state compares to others below.

Graph

Table

State	Average annual rate
Alabama	$3,620
Alaska	$1,381
Arizona	$2,318
Arkansas	$3,720
California	$1,597
Colorado	$4,950
Connecticut	$1,873
Delaware	$1,359
Florida	$7,118
Georgia	$2,304
Hawaii	$642
Idaho	$2,224
Illinois	$2,630
Indiana	$2,871
Iowa	$2,882
Kansas	$5,237
Kentucky	$4,025
Louisiana	$5,937
Maine	$1,318
Maryland	$1,910
Massachusetts	$1,471
Michigan	$2,896
Minnesota	$2,697
Mississippi	$2,514
Missouri	$3,940
Montana	$3,186
Nebraska	$4,521
Nevada	$1,746
New Hampshire	$1,286
New Jersey	$1,401
New Mexico	$2,859
New York	$1,660
North Carolina	$3,113
North Dakota	$2,967
Ohio	$2,106
Oklahoma	$5,002
Oregon	$1,553
Pennsylvania	$1,513
Rhode Island	$2,421
South Carolina	$2,962
South Dakota	$3,747
Tennessee	$2,945
Texas	$3,908
Utah	$1,798
Vermont	$1,046
Virginia	$2,060
Washington	$1,735
Washington, D.C.	$1,530
West Virginia	$1,834
Wisconsin	$1,782
Wyoming	$2,065

Compare home insurance rates by ZIP code

Within each state, home insurance rates vary further; again, the risk in each area differs. Compare home insurance rates for your ZIP code here to see how much you could save by switching.

Get quick estimates with our insurance tools & calculators

Whether you need insurance for a single-family home, a condo or as a renter, our tools can provide home insurance rate estimates to help you understand the cost of home insurance in your area.

Save money on homeowners insurance

If you’ve seen your home insurance rates increase, you’re not alone. With home insurance rates up across the nation, our experts are dedicated to helping you bring your rates back down.

Ways to save on home insurance Home insurance discounts

How to bundle home and auto insurance to save money How to switch home insurance

Explore home insurance options

In addition to standard homeowners insurance, there are several policy options available for different types of homes and situations.

Frequently asked questions about shopping for home insurance

How often should I shop for homeowners insurance?

It’s a good idea to compare home insurance quotes at least once a year. Your renewal notice is a good reminder to see if you can find a better rate than the renewal rate offered by your current insurer.

What company has the cheapest home insurance?

Our rate comparison found that Amica has the cheapest average rates among major insurance companies nationwide. However, rates can vary widely from place to place, so it’s vital to get quotes specific to your home.