Cheap Earthquake Insurance in 2026 (Find the Best Rates)
The top three companies for cheap earthquake insurance are American Family, Progressive, and Nationwide. American Family is the cheapest, with rates starting at $51 per month. Homeowners in high-risk earthquake zones should add this coverage to their home insurance policy.
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Insurance Copywriter
Malory Will has an M.A. in English from Arizona State University. She has over four years of experience in writing for the insurance industry. With a background in health, auto, life, and homeowners insurance, Malory is passionate about making complex insurance topics clear and approachable. Her goal is to help readers make informed decisions with confidence.
Malory Will
Managing Editor
Laura Kuhl holds a Master’s Degree in Professional Writing from the University of North Carolina at Wilmington. Her career began in healthcare and wellness, creating lifestyle content for doctors, dentists, and other healthcare and holistic professionals. She curated news articles and insider interviews with investors and small business owners, leading to conversations with key players in the le...
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Mortgage Loan Originator
Steve Crowell is a New Hampshire based mortgage loan originator with Luminate Home Loans, Inc. After graduating from the University of New Hampshire in 2003 with a BS in Business and Economics and a BA in History, he went on to get his broker license in 2005. In 2021, he was recognized as a Luminate Home Loans “Circle of Excellence” top agent. Steve works as a trusted resource for clients w...
Steve Crowell
Updated June 2026
American Family, Progressive, and Nationwide are our top choices for cheap earthquake insurance. American Family offers the lowest rates, starting at $51 per month.
- American Family offers a 29% retrofitting discount
- Earthquake insurance is most expensive in high-risk states
- Bundling coverages at a company can lower earthquake insurance rates
Progressive is another low-cost option for earthquake insurance, and it offers online quotes to help customers determine how much coverage they can afford. Nationwide is another great choice, with plenty of policy options for customers.
Our earthquake insurance rates are calculated based on a $200K dwelling coverage with a 5% deductible for a wood-frame home in a moderate-risk seismic zone.
10 Best Companies: Cheapest Earthquake Insurance| Company | Rank | Monthly | Claims | Best for |
|---|---|---|---|---|
 | #1 | $85 | 643 / 1,000 | Bundle Savings |
 | #2 | $88 | 627 / 1,000 | Online Quotes |
 | #3 | $90 | 641 / 1,000 | Policy Options |
 | #4 | $95 | 633 / 1,000 | Agent Network |
 | #5 | $98 | 620 / 1,000 | Custom Add-ons |
 | #6 | $100 | 631 / 1,000 | Local Agents |
 | #7 | $103 | 608 / 1,000 | Risk Expertise |
 | #8 | $105 | 705 / 1,000 | Claims Handling |
 | #9 | $110 | 657 / 1,000 | Agent Access |
 | #10 | $140 | 677 / 1,000 | High-Value Homes |
Read on for more information about earthquake insurance, from what it covers to the cheapest home insurance companies for earthquake coverage.
Need to find the cheapest earthquake home insurance quotes today? Enter your ZIP in our free quote tool to find the best earthquake insurance quote.
Comparing the Cost of Earthquake Home Insurance
Rising home costs will increase home insurance premiums, but it is important for customers to carry home insurance coverage that covers at least 80% of their home’s value.
If customers don’t carry an earthquake insurance policy that covers at least 80% of their property’s value, they may struggle to rebuild or repair their home after an earthquake.
Earthquake Insurance Monthly Rates by Dwelling Coverage| Company | $200K | $300K | $400K | $500K |
|---|---|---|---|---|
| $95 | $145 | $193 | $240 |
| $85 | $130 | $175 | $220 |
| $105 | $155 | $208 | $260 |
| $140 | $210 | $295 | $380 |
| $100 | $150 | $207 | $263 |
| $98 | $160 | $202 | $243 |
| $90 | $135 | $183 | $230 |
| $88 | $125 | $170 | $215 |
| $110 | $165 | $225 | $285 |
| $103 | $168 | $209 | $250 |
Homeowners with a $200K dwelling coverage policy will pay insurance rates starting at $85 per month. Learn More: Dwelling Coverage for Homeowners
Those with a higher dwelling coverage policy, such as $500K, will pay insurance rates starting at $215 per month, an over $100 difference.
How Different Deductibles Impact Earthquake Premiums
Your earthquake insurance deductible is not like your standard home insurance deductibles. While your typical homeowner’s deductible is a flat dollar amount, such as $500, an earthquake deductible is usually percentage-based.
Common earthquake deductibles are anywhere from 5% to 20%, and apply to the dwelling coverage limit, not the loss amount.
For example, a 10% earthquake deductible on a $300K home means that a homeowner would pay $30K out of pocket.
This $30K would be paid regardless of the amount of damages, so a homeowner would pay $30K even if the damages were only $40K.
It is important to balance cost vs. risk when choosing an earthquake deductible. Most homeowners choose a 10% or 15% deductible.
Daniel Walker Licensed Insurance Agent
While picking a lower deductible will result in lower rates on the best earthquake insurance, customers should choose a deductible they feel comfortable paying out of pocket.
However, homeowners in lower-risk earthquake areas may want to choose a higher deductible, which lowers their monthly rates.
Earthquake Insurance Monthly Rates by Deductible| Company | 5% | 10% | 15% | 20% |
|---|---|---|---|---|
| $95 | $76 | $67 | $57 |
| $85 | $68 | $60 | $51 |
| $105 | $84 | $74 | $63 |
| $140 | $112 | $98 | $84 |
| $100 | $80 | $70 | $60 |
| $98 | $78 | $69 | $59 |
| $90 | $72 | $63 | $54 |
| $88 | $70 | $62 | $53 |
| $110 | $88 | $77 | $66 |
| $103 | $82 | $72 | $62 |
Comparing deductible rates can help homeowners determine what they can afford. For a 5% deductible, rates start at $85 per month for earthquake insurance.
However, homeowners who raise the deductible to 20% will see rates starting at an average of $51 per month.
Credit Score Impact on Earthquake Policy Costs
Having an excellent credit score (above 800) will go a long way toward making earthquake home insurance rates affordable.
Insurance companies view customers with high credit scores as lower risk. Customers with high credit scores are more likely to pay bills on time and less likely to file false claims.
Earthquake Insurance Monthly Rates by Credit Score| Company | Excellent (800+) | Good (670-799) | Fair (580-669) | Poor (<580) |
|---|---|---|---|---|
| $95 | $108 | $123 | $141 |
| $85 | $99 | $115 | $135 |
| $105 | $118 | $134 | $153 |
| $140 | $156 | $177 | $207 |
| $100 | $113 | $129 | $151 |
| $98 | $111 | $126 | $146 |
| $90 | $106 | $119 | $137 |
| $88 | $102 | $120 | $138 |
| $110 | $124 | $143 | $163 |
| $103 | $117 | $133 | $154 |
For example, customers with an excellent credit score at American Family will see rates starting at $85 per month. This is compared to $135 per month for a poor credit score at American Family. That’s a $50 per month difference.
If you have a poor credit score and have high insurance rates as a result, monitoring your credit report and working to improve your score will help improve your monthly rate.
How Local Earthquake Risk Affects Coverage Costs
Location is a large determinant of the risk your home poses for earthquake insurance claims, which is why state rates vary so much. Learn More: Home Insurance Rates by State
If you live in a high-risk earthquake area, your rates will average $3.3K a year. A home in a low-risk earthquake area, however, averages $450 a year. That’s an annual difference of almost $3K.
States with a high likelihood of earthquake activity include Alaska, California, Oregon, and Washington.
Out of these states, Alaska has the highest rates on average for earthquake insurance. The cost of a $200K earthquake policy in Alaska averages $105 per month, or $1,260 per year.
Homeowners in states with a low risk of earthquakes, however, will find it easy to purchase affordable coverage. Low-risk states include Florida and Michigan.
The cost of earthquake insurance in Florida is $52 per month for a $200K policy, about half of what it costs in Alaska.
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Protection Provided by Earthquake Insurance
Not sure if you need earthquake insurance added to your home insurance policy? For some homeowners, having earthquake insurance is highly recommended.
You should carry earthquake insurance if you live in an area prone to earthquakes, as skipping out on this coverage could mean a huge financial loss if your home is damaged by an earthquake.
For other homeowners, earthquake insurance may be less important to have on their home insurance policy than other types of home insurance.
Properties in areas with few earthquakes may not need earthquake insurance, although it is often cheap to purchase in low-risk areas.
When I moved to a home that was at very low risk of earthquake damage, I chose to drop earthquake insurance from my policy to lower costs.
Ashley Dannelly Social Media Manager & Professor
Before skipping out on earthquake insurance, make sure to do research into your area’s risk level and the cost of coverage.
It is also important to consider what protection earthquake insurance provides for your home.
If you have earthquake insurance, it will cover structural, interior, and personal property damage caused by an earthquake. Structural damage also covers foundation cracks caused by earthquakes.
Not covered by earthquake insurance are damages from flooding, landscaping, or pre-existing damages. And if any damage occurs to your vehicle, it would be covered by auto insurance, not earthquake insurance.
How to Lower the Price of Earthquake Coverage
If you live in a high-risk state for earthquakes, you probably want to know what things you can do to bring down the cost of your earthquake coverage.
There are a few things you can do, such as upgrading your home to protect against earthquake damage, making it less high-risk. Discover more: Best Insurance for High-Risk Homes
You can also raise your deductible or lower your coverage amount. However, make sure not to lower your earthquake insurance coverage too much below your home’s value. Otherwise, you may not be able to afford repairs to your home with the insurance amount paid out.
Some factors that influence earthquake insurance costs can also be improved by homeowners, such as raising their credit score.
Factors That Affect Earthquake Insurance Premiums| Pricing Factor | Annual Difference |
|---|---|
| Construction Type | +$200 – $900 |
| Coverage Amount | +$500 – $2K |
| Credit Background | +$100 – $700 |
| Deductible Choice | -$300 – $1.5K |
| Fault Line Distance | -$200 – $1K |
| Foundation Type | +$300 – $1.2K |
| Home Age Range | +$150 – $800 |
| Previous Claims | +$100 – $600 |
| Retrofitting Work | -$100 – $800 |
| Soil Condition Risks | +$200 – $900 |
Homeowners can also lower their earthquake insurance costs with retrofitting work, which helps reduce the risk of earthquake damage.
Making these upgrades could save homeowners anywhere from $100 to $800 on their earthquake policy.
Retrofitting is when homeowners brace or reinforce a house's structure, such as the foundation and walls.
Dani Best Licensed Insurance Producer
Of course, there are some things that homeowners can’t change, such as their distance to an earthquake’s fault line or their foundation type.
But even if you live in a high-risk earthquake zone, there are a few things you can do to try to lower rates. Whether it’s improving your credit score or shopping for a quote, these small actions can help reduce your overall earthquake insurance prices.
Earthquake Policy Savings From Top Providers
Another way that homeowners can save big on earthquake insurance coverage is through the best home insurance discounts. There are several discounts homeowners can take advantage of when shopping for earthquake insurance.
One of the top discounts is a claims-free discount. This discount could save homeowners up to 24% at some companies.
Top Discounts for Earthquake Insurance| Company | Claims-Free | Multi-Policy | New Home | Retrofitting |
|---|---|---|---|---|
| 20% | 15% | 5% | 10% |
| 22% | 10% | 6% | 29% |
| 20% | 20% | 6% | 10% |
| 20% | 10% | 8% | 8% |
| 25% | 12% | 8% | 10% |
| 20% | 14% | 5% | 10% |
| 18% | 11% | 7% | 10% |
| 21% | 16% | 9% | 10% |
| 24% | 20% | 6% | 17% |
| 16% | 13% | 4% | 10% |
A multi-policy discount is another top way to save at the most affordable earthquake insurance companies. Most insurance companies will require customers to purchase two types of insurance from them to qualify, such as auto and home insurance.
An added bonus to bundling discounts is that it makes policy management easier, as insurance policies will be with the same company.
Another easy discount to get is the new home discount for homeowners who have just purchased a new home. The discount amount depends on the company, but it could save homeowners of new homes up to 9%.
Homeowners of older homes can still get a discount if they make retrofitting upgrades. Retrofitting helps reduce the risk of earthquake damage to homes.
Cheapest Earthquake Insurance Companies Ranked
Several of the cheapest home insurance providers for earthquake coverage are also some of the largest earthquake insurance providers.
State Farm is the largest provider of earthquake insurance. State Farm earthquake insurance policies make up 27% of the market. Allstate is second at 25%.
While the largest providers are well-established in the market, this doesn’t necessarily mean that they are the cheapest for earthquake insurance premiums. Learn More: Home Insurance Premiums
While American Family doesn’t make the top five for earthquake coverage, for example, it is the cheapest provider on average. Continue reading for a full breakdown of the top ten cheapest companies for earthquake insurance.
#1 – American Family: Top Pick Overall
Pros
- Bundle Savings: American Family offers savings to customers who bundle policies with the company.
- Lowest Deductible Rates: American Family rates start at $51 per month for a 20% deductible on earthquake insurance.
- Retrofitting Discount: American Family offers a 29% discount to customers who retrofit their homes.
Cons
- State Availability: American Family doesn’t sell insurance in all states, so you may not be able to get earthquake insurance through American Family.
- Smaller Savings for Bundling: American Family has the lowest bundling discount on our list at 10%.
#2 – Progressive: Best for Online Quotes
Pros
- Online Quotes: Progressive customers can see how much their Progressive earthquake insurance will cost with a quick online quote.
- New Home Discount: Progressive offers the highest new-home discount on our list at 9%. Learn about other discounts Progressive offers: Progressive Insurance Review
- Competitive Pricing for High Limits: The pricing for higher dwelling coverage limits remains competitive at Progressive.
Cons
- Fewer Local Agents: Customers who prefer in-person interactions may not like the lack of local agent service.
- Underwritten Policies in Some Areas: Progressive may underwrite earthquake insurance through a third party in some states.
#3 – Nationwide: Best for Policy Options
Pros
- Policy Options: Nationwide offers plenty of customizable options for earthquake insurance holders, such as various deductibles.
- Low Deductible Rates: Nationwide has consistently low rates across all deductible percentages.
- Financial Strength: An A+ rating from A.M. Best means Nationwide is capable of paying out earthquake claims.
Cons
- Not Available Everywhere: Nationwide doesn’t offer home insurance in a few states.
- Lower Bundling Discount: Nationwide doesn’t offer as large a discount as other companies on our list, as it is 11%.
#4 – Allstate: Best for Agent Network
Pros
- Agent Network: Allstate agents help offer clients a hands-on approach to their earthquake insurance policies.
- Multi-Policy Discount: Customers can get a 15% multi-policy discount at Allstate. Find out more about Allstate discounts in our guide: Allstate Insurance Review
- Large Market Presence: Allstate is a popular company for earthquake insurance, as it makes up 25% of the market.
Cons
- Smaller New Home Discount: Allstate’s discount for new homes is only 5% on earthquake insurance.
- Claims Satisfaction not Highest: Allstate’s claims satisfaction score of 633/1,000 is not the highest among the ten cheapest companies.
#5 – Liberty Mutual: Best for Custom Add-ons
Pros
- Custom Add-ons: Liberty Mutual has custom add-ons to help customers tweak policies to their needs.
- Multi-Policy Discount: Liberty Mutual customers who bundle policies can get a 14% discount.
- Availability: Liberty Mutual earthquake insurance is available in most states.
Cons
- Claims Satisfaction: Liberty Mutual has a 620/1,000 claims satisfaction rating, the second-lowest among the top 10 cheapest companies.
- Lower New Home Discount: Liberty Mutual’s new home discount is only 5%.
#6 – Farmers: Best for Local Agents
Pros
- Local Agents: Farmers has multiple local agents who can help customers with their earthquake policies.
- Claims-Free Discount: Farmers has the highest claims-free discount at 25%.
- Competitive Deductible Rates: Farmers’ rates for 20% average $60 per month. Learn more about Farmers in our review: Farmer’s Insurance Review
Cons
- Higher Dwelling Coverage Rates: Farmers’ premiums increase significantly with higher earthquake insurance coverage amounts.
- Claim Satisfaction: Farmers has the third-lowest score on our list at 631/1,000.
#7 – Travelers: Best for Risk Expertise
Pros
- Risk Expertise: Travelers is a well-established company with experience advising clients on the risk to their homes from earthquakes.
- Financial Strength: Travelers has an A.M. Best rating of A++, making it more than capable of paying out earthquake claims.
- Claims-Free Discount: Travelers offers a 16% discount to claim-free customers.
Cons
- Claims Satisfaction: Travelers has a 608/1,000 claims satisfaction rating, which is the lowest among the top 10 cheapest companies.
- Availability: Travelers’ home insurance is not available in all states.
#8 – Amica: Best for Claims Handling
Pros
- Claims Handling: Amica has a 705/1,000 claim satisfaction rating, the highest on our list. Find out more in our review: Amica Insurance Review
- Financial Stability: Amica has an A+ from A.M. Best, making it financially secure to pay out earthquake claims.
- Multi-Policy Discount: Customers who bundle coverages can get a 20% discount.
Cons
- Not Available in Hawaii: Homeowners in Hawaii will have to look elsewhere for earthquake insurance.
- Higher Dwelling Coverage Rates: Rates are pricier for high earthquake insurance coverage amounts.
#9 – State Farm: Best for Agent Access
Pros
- Agent Access: State Farm has widespread local agents who can offer help with earthquake insurance policies.
- Large Market Presence: State Farm is one of the most popular companies for earthquake insurance, accounting for 27% of the market.
- Retrofitting Discount: Customers can get a 17% discount for retrofitting their homes.
Cons
- High Rates for Poor Credit Scores: State Farm has a sharp rate increase for customers with a credit score below 580.
- State Availability: State Farm earthquake home insurance is not available to purchase in all states.
#10 – Chubb: Best for High-Value Homes
Pros
- High-Value Homes: Chubb offers great coverage options for high-value homes that need earthquake insurance. Read More: Best Home Insurance for High-Value Properties
- Large Market Presence: Chubb is one of the largest companies for earthquake insurance, as it has 20% of the market.
- Claims Satisfaction: Chubb has a 677/1,000 claim satisfaction rating.
Cons
- Pricier Rates: Chubb is the more expensive company on our list, with rates starting at $84 per month with a 20% deductible.
- Lower Retrofitting Discount: Chubb only offers an 8% discount for homeowners who retrofit their homes against earthquakes.
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Finding Cheap Earthquake Insurance for Your Home
American Family, Progressive, and Nationwide all offer cheap earthquake insurance for homeowners looking for great homeowners insurance coverage. American Family has the most affordable earthquake insurance, with rates starting at $51 per month.
Progressive and Nationwide also offer homeowners great monthly rates on earthquake insurance.
Comparing quotes from different home insurance earthquake companies will help customers find the lowest rate, whether they are looking for earthquake insurance for renters or condos.
If you need help finding cheap earthquake insurance today, enter your ZIP in our free quote tool. It will help you find the best rate for earthquake coverage in your area.
Frequently Asked Questions
How much does earthquake insurance usually cost?
If you own a wood-frame home in a moderate-risk seismic zone, earthquake insurance rates start at $85 per month for a $200K dwelling coverage with a 5% deductible. Rates vary by area, home, and other factors.
How much does earthquake insurance cost for a $300,000 home?
Average rates for earthquake insurance start at $125 per month for a $300K home. Check quotes on the best insurance comparison sites to find better rates.
How much does earthquake insurance cost for a $500,000 home?
Earthquake insurance rates start at $215 per month for a $500K home. Find the lowest rate for earthquake insurance coverage for your home by entering your ZIP in our free tool.
Why is earthquake insurance so high?
If your earthquake insurance is pricey, it could be for several reasons. For example, your insurance company may be expensive, and you may live in a high-risk area. You can reduce rates by shopping for quotes, taking advantage of bundling discounts, and more. Find out more: Best Auto and Home Insurance Bundles
Is it worth paying for earthquake insurance?
Homeowners in high-risk earthquake zones should absolutely carry earthquake insurance. Otherwise, damages won’t be covered. However, homeowners in low-risk earthquake zones may wish to skip out on this coverage. Find out more: Is home insurance required?
What kind of insurance covers earthquakes?
Earthquakes are not covered by standard home insurance policies. Homeowners must purchase earthquake insurance to be covered.
What does earthquake insurance cover?
Earthquake insurance covers damage to your home’s structure, interior, foundation, and personal property. It is an add-on coverage similar to flood insurance, as it offers protection for a disaster not typically covered by a standard home insurance policy.
How much earthquake insurance coverage do I need?
Most homeowners should carry enough earthquake insurance to cover 80% of their home’s value. Use our free comparison tool to get quotes for different coverage levels.
What are the top 3 states with the most earthquakes?
Alaska, California, and Hawaii have the most earthquakes. They also have some of the highest earthquake insurance rates. See More: Best Auto Insurance Companies in California
What happens if my house is destroyed in an earthquake?
If you have earthquake insurance, you will file a claim with your home insurance provider.
Is earthquake insurance tax-deductible?
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