Which US county has the lowest homeowners insurance?

Ada, ID has the lowest homeowners insurance in the United States, at $879.

What is the homeowners insurance in Ada, ID?

Ada, ID is ranked #1 in the United States for homeowners insurance, at $879.

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

Full county tables and CSV download: Home insurance by county across the US

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
01	Ada, ID$879 County page
02	Juniata, PA$963 County page
03	Galax, VA$971 County page
04	Lycoming, PA$987 County page
05	Bedford, PA$1,003 County page
06	Jefferson, PA$1,004 County page
07	Chemung, NY$1,015 County page
08	Franklin, PA$1,033 County page
09	Tioga, PA$1,039 County page
10	Cambria, PA$1,042 County page
11	Chautauqua, NY$1,043 County page
12	Wayne, NY$1,050 County page
13	Northumberland, PA$1,064 County page
14	Bradford, PA$1,084 County page
15	Pleasants, WV$1,084 County page
16	Mifflin, PA$1,086 County page
17	Broome, NY$1,088 County page
18	Seneca, NY$1,088 County page
19	Fulton, PA$1,091 County page
20	Blair, PA$1,091 County page
21	McKean, PA$1,098 County page
22	Hancock, WV$1,101 County page
23	Armstrong, PA$1,105 County page
24	Linn, OR$1,113 County page
25	Clearfield, PA$1,114 County page

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.

Frequently asked questions

Which US county has the lowest homeowners insurance?: Ada, ID has the lowest homeowners insurance in the United States, at $879.
What is the homeowners insurance in Ada, ID?: Ada, ID is ranked #1 in the United States for homeowners insurance, at $879.
How is this homeowners insurance ranking calculated?: Counties in the United States are ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first. Values describe the county, not an individual property. Source vintage is shown on the page.

Map of homeowners insurance cost

Counties With the Cheapest Homeowners Insurance, state by state

The same ranking, scoped to a single state.

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Cheapest counties for homeowners insurance in the United States

How this ranking works

Frequently asked questions

Related

Counties With the Cheapest Homeowners Insurance, state by state

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