Cheapest counties for homeowners insurance in the United States

Top 25 of 3144 counties with data.

Ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first.

Cheapest counties for homeowners insurance in the United States
Rank	County	Value
1	Ada	$879
2	Juniata	$963
3	Galax	$971
4	Lycoming	$987
5	Bedford	$1,003
6	Jefferson	$1,004
7	Chemung	$1,015
8	Franklin	$1,033
9	Tioga	$1,039
10	Cambria	$1,042
11	Chautauqua	$1,043
12	Wayne	$1,050
13	Northumberland	$1,064
14	Bradford	$1,084
15	Pleasants	$1,084
16	Mifflin	$1,086
17	Broome	$1,088
18	Seneca	$1,088
19	Fulton	$1,091
20	Blair	$1,091
21	McKean	$1,098
22	Hancock	$1,101
23	Armstrong	$1,105
24	Linn	$1,113
25	Clearfield	$1,114

How this ranking works

This page ranks every US county by homeowners insurance cost, sorted so the cheapest places appear first. Click any county to see its housing, schools, crime, and demographics in detail.

For homeowners insurance, a lower value is generally more favorable, so the top of the list is the lowest. Want to weigh homeowners insurance against schools, taxes, commute, and more at once? Use the live map to build a custom match.

Data comes from public sources. Source attribution and the exact data vintage are shown above and on the full map of homeowners insurance cost.

Counties With the Cheapest Homeowners Insurance, state by state

The same ranking, scoped to a single state.

Counties With the Cheapest Homeowners Insurance in the United States (2026)

Cheapest counties for homeowners insurance in the United States

How this ranking works

Related

Counties With the Cheapest Homeowners Insurance, state by state