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Counties With the Cheapest Homeowners Insurance in Indiana (2026)

Miami has the lowest homeowners insurance of any county in Indiana, at $1,294, followed by Henry and Vanderburgh (data vintage 2022). The full ranking of the top 25 counties is below.

Data updated 2022 - Source: NAIC Homeowners Insurance Report

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Cheapest counties for homeowners insurance in Indiana

Top 25 of 92 counties with data.

Ranked by homeowners insurance cost (NAIC Homeowners Insurance Report, 2022), lowest first.

Cheapest counties for homeowners insurance in Indiana
RankCountyValue
1Miami$1,294
2Henry$1,294
3Vanderburgh$1,294
4Vermillion$1,294
5Morgan$1,294
6Decatur$1,294
7Wayne$1,294
8Steuben$1,294
9Delaware$1,294
10Brown$1,294
11Kosciusko$1,294
12Porter$1,294
13Lake$1,294
14Johnson$1,294
15Franklin$1,294
16Pulaski$1,294
17Putnam$1,294
18Jay$1,294
19Randolph$1,294
20Montgomery$1,294
21Lawrence$1,294
22Posey$1,294
23Parke$1,294
24Owen$1,294
25Jasper$1,294

How this ranking works

This page ranks Indiana counties 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.

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