What is the cheapest home insurance in America?

What is cheapest home insurance in America in 2024-2025 for average $300K dwelling is State Farm, Amica, Auto-Owners and USAA for eligible military, with average premiums $1,000 to $1,500 per year versus national average $2,000 to $2,500, according to Bankrate and NerdWallet. State Farm average $1,200 to $1,600 for $300K, cheapest for most states, with discounts for bundling auto and home 20%, security and no claims. Amica average $1,000 to $1,400, cheapest for excellent credit and low claims, with dividend policy returning 10% to 20%. Auto-Owners $1,100 to $1,500, cheapest for Midwest. USAA $900 to $1,300 cheapest for military families, with best service. For cheap states like Vermont, Delaware and New Hampshire, cheapest $800 to $1,200 for $300K. For expensive states like Florida, cheapest is still $3,000 to $4,000 for $300K, with Tower Hill and Security First cheapest in Florida. Factors for cheapest include location low disaster risk, high deductible $2,500 saves 20%, good credit, new construction and bundling. So cheapest home insurance in America is State Farm and Amica nationally $1,000 to $1,500 for $300K, USAA cheapest for military $900 to $1,300, with cheapest states Vermont $800, while Florida cheapest $3,000 due to hurricane risk.