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Cheap home insurance companies of 2026
The cheapest carrier depends on your home profile. Here's who wins on price for first-time buyers, older homes, bundlers, and after claims.
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Cheapest carrier by homeowner profile (2026)
Benchmark annual rates for $300K dwelling. Your actual rate depends on ZIP, age, construction, and underwriting tier.
| Homeowner profile | Cheapest carrier | Avg. annual | Runner-up |
|---|---|---|---|
| First-time homeowner, $250K home | Erie | $1,182 | Nationwide |
| Standard $350K home, clean claims | USAA | $1,488 | Erie |
| Older home (50+ yr) | Auto-Owners | $1,748 | Erie |
| After 1 claim in past 3 years | State Farm | $2,148 | Travelers |
| Bundled with auto | Allstate | $1,548 | State Farm |
| Coastal / hurricane-exposed | Citizens / state pool | $2,948 | Travelers |
| High-value ($1M+) home | Chubb | $3,288 | Cincinnati |
| Military / veteran | USAA | $1,148 | Armed Forces |
The 5 cheapest national home insurers, overall
- 1
USAA
Military only — but cheapest across nearly every segment when eligible.
- 2
Erie Insurance
Cheapest in its 12-state footprint with guaranteed replacement cost option.
- 3
Auto-Owners
Agent-driven pricing, very competitive for clean-claim homeowners in 26 states.
- 4
Nationwide
Quietly cheap for first-time and standard homeowners, with Brand New Belongings.
- 5
Allstate
Cheapest when bundled with auto — discount can stack to 25% off.
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