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Tools

Rate ComparisonRank every carrier for your ZIP Auto Coverage CalculatorFind the right coverage level Renters Coverage CalculatorHow much renters coverage you need Home Coverage CalculatorDwelling, liability & add-ons Carrier ComparisonHead-to-head any two carriers

Research

Akron Albany Albuquerque Allentown Anchorage Asheville Atlanta Austin Bakersfield Baltimore Baton Rouge Billings Birmingham Boise Boston Buffalo Burlington, VT Charleston, WV Charlotte Chattanooga Cheyenne Chicago Cincinnati Cleveland Colorado Springs Columbia, SC Columbus Dallas–Ft. Worth Dayton Denver Des Moines Detroit El Paso Fargo Fresno Grand Rapids Greensboro Greenville, SC Hartford Honolulu Houston Indianapolis Jackson, MS Jacksonville Kansas City Knoxville Las Vegas Lexington Little Rock Los Angeles Louisville Madison Manchester, NH Memphis Miami Milwaukee Minneapolis–St. Paul Nashville New Jersey New Orleans New York City Norfolk Oklahoma City Omaha Orlando Pensacola Philadelphia Phoenix Pittsburgh Portland Portland, ME Providence Raleigh–Durham Reno Richmond Riverside–IE Rochester Sacramento Salt Lake City San Antonio San Diego San Jose Savannah Seattle Sioux Falls Spokane St. Louis Syracuse Tampa Tucson Tulsa Washington, D.C.Wichita Wilmington, DE Worcester

National carriers

All car insurance carriersUSAA Military & family GEICO Online shoppers State Farm Local agents Progressive High-risk & incidents Allstate Accident forgiveness Liberty Mutual New car replacement Farmers Full-service agents Nationwide Vanishing deductible Erie Mid-Atlantic & Midwest American Family Midwest families Amica Claims service Auto-Owners 26-state agent Travelers Homeowner bundles Safeco Independent agents The Hartford AARP & 50+ drivers Root Insurance Telematics · safe drivers AAA / CSAA Members & roadside

Regional & local

Texas Farm Bureau Texas only Georgia Farm Bureau Georgia only Tennessee Farm Bureau Tennessee only NC Farm Bureau North Carolina Kentucky Farm Bureau Kentucky only Louisiana Farm Bureau Louisiana only PEMCO WA & OR NJM Insurance NJ / CT / PA Wawanesa California only Mercury Insurance CA & 10 states Shelter Insurance 15-state Central MAPFRE Insurance Massachusetts NYCM Insurance New York only Alfa Insurance Southeast Country Financial Midwest

Rankings & data

National Carrier Market Share — who controls the U.S. market State-by-State Rate Rankings — avg. premium + top carriers per state

Cheapest for…

Cheapest After a DUI / SR-22 Cheapest After an Accident Cheapest for Young Drivers Cheapest for Bad Credit Cheapest for Seniors (55+)

How-to guides

Coverage Guide — How Much Do You Need?Credit Score & Car Insurance Why Your Premium Went Up Car Insurance Shopping Strategy The Hidden Cost of Not Shopping Car Insurance Discounts Checklist How to Switch Car Insurance Does Insurance Follow the Car or Driver?What Does Car Insurance Cover?How Long Accidents/Tickets/DUIs Last Driving Without Insurance: Penalties SR-22 Insurance Explained Young Driver Insurance Guide

Data & tools

2026 Rate Landscape — data for journalists All Rate Filings (Auto + Home) — data roll-up 2026 Rate Change Tracker Why Your Rate Went Up — by carrier & state Why Your Home Rate Went Up State-by-State Rate Rankings National Carrier Market Share Florida Rates — 2026

Renters Insurance

Renters InsuranceCompare carriers for your ZIP — national avg $168/yr

Renters guides

All 95 metrosIs it worth it?What it covers Does it cover…?Water damage & leaks Carpet damage Theft & burglary Theft from your car Is it required?How much you need How much it costs

Renters carriers

All renters carriersLemonade State Farm GEICO Allstate Progressive Farmers Nationwide Liberty Mutual Travelers American Family Erie Amica USAA

Renters rates by state

Renters rates by metro

Home Insurance

Home InsuranceCompare carriers for your ZIP — national avg $1,915/yr Home Coverage CalculatorDwelling, liability & add-ons Home Rate Change TrackerWho raised & cut home rates, by state

Home guides

How much you need What it covers Does it cover…?Water damage Roof damage Flood Mold Fallen trees Foundation Wind & hail Sewer backup Dog bites Is it required?How much it costs Why did my rate go up?

Home insurance carriers

All home carriersUSAA Amica Auto-Owners Erie Travelers American Family Nationwide State Farm Progressive Farmers Allstate Liberty Mutual

Home rates by state

Home rates by metro

About

About BoringRate — who we are & how we're funded Methodology — how we collect and rank rate data Editorial standards & corrections policy For Journalists — 2026 rate data & how to cite us

Boring Research. Easy Decision. — Enter ZIP to compare rates.

BoringRate · Index · 51 pages

Homeowners insurance rates by state

Average homeowners premiums and the cheapest carriers in all 50 states and D.C., modelled from filed rates.

BoringRate Editorial · modelled from public rate filings

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Compare every home insurer in your ZIP:

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