Where in the southern states can I find the cheapest homeowners insurance?

What state in the south has the cheapest homeowners policy? I work from home and feel like making a big life change. Since I have always lived in Vermont, I thought moving down south would be fun. I can go anywhere and I am trying to be proactive and want to move somewhere affordable. What should I take into consideration?

“The state with the cheapest homeowners insurance below the Mason Dixon line is (drum roll please) North Carolina!
The average cost of a homeowners policy is $1,049 per year, about 14% below the national average.
Due to the impacts of climate change and weather patterns on homes, homeowners policies in the south are actually much more expensive than their northern counterparts. Three southern states, Florida, Arkansas, and Texas, are listed among the top five most expensive home insurance states in the country.
Keep in mind, the cost of a homeowners policy changes greatly depending on these factors:
  • Square footage
  • Quality of building materials
  • Prior loss history
  • Age of home
  • Proximity to fire station
Working closely with a reliable and experienced real estate agent will be beneficial during a move like this. Per many real estate websites, Austin, TX is the #1 southern city to live in and is also ranked as #3 in the country. This is based on factors like:
  • cost of living
  • diversity in activities and entertainment
  • a highly educated and growing workforce
Any time you have life changes, it is a great time to re-shop both your home and auto insurance policies. By bundling both your auto and home insurance together, you can save on both policies with a multi-line discount.
Use the free Jerry app to help make this happen! Jerry collects auto and home quotes from over 50 companies and brings the lowest available rates right to your phone.”
Shannon Martin
Answered on Jul 27, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.

Did this answer help you?

Ask us a question by email and we will respond within a few days.

Have a different question?

You can meet us at our office and discuss the details of your question.

Read advice from car experts at Jerry

Easiest way to compare and buy car insurance

No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
Find insurance savings — it's 100% free