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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 2025

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

2025 Rank	2024 Rank	Company	Overall Ranking	Customer Satisfaction	Read full review
2025 Rank: 1	2024 Rank: 1	Amica	Overall rating 4.73	Customer satisfaction rating: 4.73	Amica review
2025 Rank: 2	2024 Rank: 2	State Farm	Overall rating 4.55	Customer satisfaction rating: 4.45	State Farm review
2025 Rank: 3	2024 Rank: 3	Allstate	Overall rating 4.40	Customer satisfaction rating: 4.31	Allstate review
2025 Rank: 4	2024 Rank: 7	Progressive	Overall rating 4.07	Customer satisfaction rating: 4.21	Progressive review
2025 Rank: 5	2024 Rank: 4	Nationwide	Overall rating 4.05	Customer satisfaction rating: 4.50	Nationwide review
2025 Rank: 6	2024 Rank: 5	Farmers	Overall rating 3.86	Customer satisfaction rating: 4.17	Farmers review
2025 Rank: 7	2024 Rank: 6	Travelers	Overall rating 3.80	Customer satisfaction rating: 4.23	Travelers review
2025 Rank: NR	2024 Rank: NR	USAA*	Overall rating 4.60	Customer satisfaction rating: 4.63	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. The three regional carriers we rated are Erie, Auto-Owners and American Family. Had we ranked the regional carriers with the national, Erie would have taken second place, pushing Allstate out of the top three; Allstate would have ranked fifth behind Auto-Owners.

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

Best home insurance companies with regional and national carriers

2025 Rank	2024 Rank	Company	Overall Ranking	Customer Satisfaction	Read full review
2025 Rank: 1	2024 Rank: 2	Amica	Overall rating 4.73	Customer satisfaction rating: 4.73	Amica review
2025 Rank: 2	2024 Rank: 1	Erie	Overall rating 4.62	Customer satisfaction rating: 4.39	Erie review
2025 Rank: 3	2024 Rank: 4	State Farm	Overall rating 4.55	Customer satisfaction rating: 4.45	State Farm review
2025 Rank: 4	2024 Rank: 3	Auto-Owners	Overall rating 4.48	Customer satisfaction rating: 4.36	Auto-Owners review
2025 Rank: 5	2024 Rank: 5(tie)	Allstate	Overall rating 4.40	Customer satisfaction rating: 4.31	Allstate review
2025 Rank: 6(tie)	2024 Rank: 5(tie)	American Family	Overall rating 4.07	Customer satisfaction rating: 4.30	American Family review
2025 Rank: 6(tie)	2024 Rank: 10	Progressive	Overall rating 4.07	Customer satisfaction rating: 4.21	Progressive review
2025 Rank: 8	2024 Rank: 7	Nationwide	Overall rating 4.05	Customer satisfaction rating: 4.50	Nationwide review
2025 Rank: 9	2024 Rank: 8	Farmers	Overall rating 3.86	Customer satisfaction rating: 4.17	Farmers review
2025 Rank: 10	2024 Rank: 9	Travelers	Overall rating 3.80	Customer satisfaction rating: 4.23	Travelers review
2025 Rank: NR	2024 Rank: NR	USAA*	Overall rating 4.60	Customer satisfaction rating: 4.63	USAA review

Homeowners insurance quote 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	$3,131
Alaska	$1,695
Arizona	$2,468
Arkansas	$3,948
California	$1,386
Colorado	$4,086
Connecticut	$2,205
Delaware	$1,366
Florida	$4,405
Georgia	$2,286
Hawaii	$593
Idaho	$1,950
Illinois	$3,044
Indiana	$2,969
Iowa	$2,642
Kansas	$4,826
Kentucky	$3,314
Louisiana	$3,576
Maine	$1,375
Maryland	$1,707
Massachusetts	$1,622
Michigan	$2,396
Minnesota	$2,399
Mississippi	$3,369
Missouri	$3,528
Montana	$3,265
Nebraska	$4,785
Nevada	$1,444
New Hampshire	$1,209
New Jersey	$1,506
New Mexico	$2,638
New York	$1,777
North Carolina	$2,933
North Dakota	$3,134
Ohio	$2,144
Oklahoma	$5,749
Oregon	$1,741
Pennsylvania	$1,886
Rhode Island	$1,932
South Carolina	$2,668
South Dakota	$3,374
Tennessee	$3,045
Texas	$3,844
Utah	$1,792
Vermont	$1,247
Virginia	$2,135
Washington	$1,596
Washington, D.C.	$1,327
West Virginia	$1,886
Wisconsin	$1,648
Wyoming	$1,885

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 and 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.