Cheapest counties for homeowners insurance in the United States
Top 25 of 3144 counties with data.
Ranked by homeowners insurance cost (NAIC Homeowners Insurance Report, 2022), lowest first.
| Rank | County | Value |
|---|---|---|
| 1 | Kauai | $582 |
| 2 | Honolulu | $582 |
| 3 | Kalawao | $582 |
| 4 | Maui | $582 |
| 5 | Hawaii | $582 |
| 6 | Lamoille | $729 |
| 7 | Orleans | $729 |
| 8 | Chittenden | $729 |
| 9 | Orange | $729 |
| 10 | Addison | $729 |
| 11 | Caledonia | $729 |
| 12 | Grand Isle | $729 |
| 13 | Washington | $729 |
| 14 | Windham | $729 |
| 15 | Bennington | $729 |
| 16 | Rutland | $729 |
| 17 | Windsor | $729 |
| 18 | Franklin | $729 |
| 19 | Essex | $729 |
| 20 | Sherman | $778 |
| 21 | Lane | $778 |
| 22 | Multnomah | $778 |
| 23 | Jefferson | $778 |
| 24 | Hood River | $778 |
| 25 | Washington | $778 |
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.