How We Calculated Homeowners Insurance Ratings
Which Company Has the Lowest Home Insurance Rates?
For most homeowners, State Farm offers the cheapest home insurance coverage at an average of $197 per month for a policy with $350,000 in dwelling and a $1,000 deductible. For those in the military, Armed Forces Insurance offers even cheaper home insurance coverage at $182 per month for the same policy.
We based our top picks on the most affordable options for customers across various situations and backgrounds, including multiple credit scores and claim histories, based on around 5 million auto insurance quotes sourced from Quadrant Information services in 2025 . We also researched and rated each provider using our homeowners insurance methodology to determine which companies offer the most value, and considered only companies that would be available to the majority of homeowners in the U.S..
Top Cheapest Homeowners Insurance Companies
According to our in-depth analysis, these are the most affordable homeowners insurance companies that offer high-quality coverage:
- Armed Forces Insurance Cheapest homeowners insurance
- State Farm Our overall top pick
- USAA Best for military
- Auto-Owners Best for coverage value
- Allstate Best for discounts
We based our top picks on the most affordable options for customers across various situations and backgrounds, including multiple credit scores and claim histories. We also researched and rated each provider using our homeowners insurance methodology to determine which companies offer the most value, and considered only companies that would be available to the majority of homeowners in the U.S..
Compare the cheapest homeowners insurance companies by cost using the table below:
| Company | Average Monthly Premium | Average Annual Premium | Average Annual Savings Compared to National Average | Cost Change From Last Year |
|---|---|---|---|---|
| Armed Forces Insurance* | $182 | $2,184 | $743 | 1% decrease |
| State Farm | $197 | $2,362 | $565 | 8% increase |
| USAA* | $199 | $2,384 | $543 | 3% decrease |
| Auto-Owners | $216 | $2,596 | $331 | 13% increase |
| Allstate | $230 | $2,763 | $164 | 9% increase |
Based on our 2025 homeowners insurance data, Armed Forces Insurance provides the cheapest rates overall for most dwelling limits and deductibles. We also found the company to be the most affordable for homeowners with either poor or good credit. In addition, Armed Forces Insurance offers further opportunities to save with unique discounts, such as hurricane mitigation discounts for Florida homeowners.
Offers the cheapest coverage for various dwelling amounts and deductibles, based on our research
Most affordable option for homeowners with poor or good credit, based on our research
Provides endorsements extending coverage for natural disasters, valuables and more
Only available for military members, veterans and their families
A home insurance policy with Armed Forces Insurance costs an average of $2,184 per year or $182 monthly for a policy with $350,000 in dwelling coverage. Average costs saw a 1% decrease year over year, but note that the company was one of two on this list — USAA being the second — that saw cost decreases instead of increases.
Our data shows Armed Forces Insurance is the cheapest provider in seven states: Kansas, Maryland, Missouri, Ohio, Oklahoma, South Carolina and Virginia. We also found the company to be the cheapest for homeowners with either poor or good credit, making it ideal for military members looking for affordable home coverage while they work to improve their scores.
Discounts and credits from AFI that can further lower your premium include:
- Central station burglar and fire alarm
- New-home credit
- Gated or guarded community
- Building-code-effectiveness-grading credit
- Windstorm-mitigation-feature credit
- New-roof credit
- Companion-policy credit
- Hurricane-mitigation discounts (Florida residents only)
We conducted a survey in February 2025 of 1,000 homeowners with a home insurance policy to better understand consumer trends, average policy costs and more. Out of the 1,000 respondents, just three had a policy with AFI.
While our survey respondents indicated general satisfaction with their policy, we turned to platforms such as the Better Business Bureau and Trustpilot to better understand satisfaction trends related to Armed Forces Insurance. Reviews were scarce, but we found that the company has an A+ rating with the BBB. Note that AFI wasn’t included in the J.D. Power 2024 U.S. Home Insurance Study.
State Farm isn’t just one of the cheapest homeowners insurance providers — it’s our top choice. The company offers opportunities for policyholders to further save on costs by bundling their coverage with auto insurance alongside discounts for aspects such as installing home security features and using impact-resistant roofing products. State Farm is also a good choice for first-time home buyers because the company offers several insurance resources to help on its website and has local agents available for in-person assistance.
Offers a vast network of local agents nationwide
Provides online resources to help with policy shopping and management
Features a convenient online quote process
No flood damage endorsement, a con for homeowners in flood-prone areas
Doesn’t offer some common discounts, such as discounts for customers with a claims-free history
State Farm costs an average of $2,362 per year or around $197 monthly for a homeowners policy with $350,000 in dwelling coverage. State Farm was the cheapest provider in our review last year and is still one of the most affordable providers overall, based on our research. However, the company’s average costs increased by 8% year over year.
According to our data from Quadrant Information Services, we found that State Farm is the cheapest for homes built in the 1980s and for homeowners who have filed claims related to fire, lightning, freezing and water damage. If you’re in Arizona, Louisiana, New Mexico, North Carolina or Rhode Island, you’ll find the cheapest rates with State Farm.
The insurer may lower your premium if you qualify for the following discounts:
- Multi-policy bundling
- Home security
- Roofing
- Wind mitigation
In our most recent 2025 survey on home insurance claims, which polled 1,000 participants nationwide, 311 respondents had a policy with State Farm. Results show that 75% of those State Farm customers were overall satisfied with the company. In addition, almost 92% of homeowners were satisfied with the company’s claims process, with half of respondents noting it took one to two weeks for their claim to be approved.
State Farm scored 643 out of 1,000 in the J.D. Power 2024 U.S. Home Insurance Study, which examines satisfaction related aspects such as a company’s interaction, policy offerings and price. This study shows that State Farm’s overall customer satisfaction index rating is above average (the average is 640 out of 1,000), suggesting that customers find the company satisfactory in price, customer service and more.
We’ve named USAA as the best home insurer for military members since it earned one of the highest overall star ratings in our review and provides homeowners insurance coverage at an affordable cost. Based on our review, the company also offers policyholders several additional ways to save. For instance, you can save up to 15% on your policy if you have not filed any claims in the past five years. USAA also tops our list for the best homeowners insurance for veterans.
Provides several endorsements to help homeowners customize coverage
Includes replacement cost coverage as standard in its base policy
USAA is only available to military members, veterans and their families
Our researchers found that a home insurance policy through USAA costs $2,384 per year or around $199 per month on average. This means the average price of home insurance from USAA decreased by 3% year over year, making it one of two providers in our top picks that didn’t increase policy costs.
In addition, we found that USAA is the cheapest for homeowners looking for $250,000 to $1 million in dwelling coverage if they choose a $5,000 deductible. People with homes from the 1950s, veterans and homeowners who have filed claims related to wind and hail will also find the most affordable policies from USAA.
USAA policyholders may also qualify for these discounts:
- Multi-policy bundling
- Protective devices
- Connected home
- Loyalty
- Claims-free history
With our most recent 2025 survey on home insurance claims, 75 out of 1,000 participants reported having a policy with USAA. Of those respondents, 82% reported feeling satisfied with the company overall, with 89% noting they’d recommend the company to a friend looking for home insurance.
While USAA isn’t eligible to rank in the J.D. Power Home Insurance Study since it doesn’t meet the study’s award criteria, it received a score of 737 out of 1,000 — higher than all other providers.
Auto-Owners made our list of the cheapest homeowners insurance providers thanks to its low costs and various discount options. It offers nearly a dozen ways to save on your home insurance premium, including discounts for making timely payments over a certain period, paperless billing and online payments or bunding insurance policies.
Provides easy online policy management, including the ability to access your policy at any time using a mobile app
Offers multiple discounts to help lower premium costs
Doesn’t provide online quotes
Service area doesn’t extend nationwide
The average annual cost of a homeowners policy with Auto-Owners is $2,596, which is $216 monthly. Based on our research, the cost of an Auto-Owners policy increased by 13% year over year. However, the company still offers some of the cheapest rates that fall below the average home insurance policy cost.
We found that Auto-Owners is the cheapest homeowners insurer overall in Colorado, Michigan, Nevada and Washington. It’s also the most affordable option for homeowners with excellent credit (800 to 850), costing around 38% less than the average for this credit score.
You may qualify for the following discounts with an Auto-Owners homeowners policy:
- Multi-policy bundling
- Payment history
- Green discount
- Protective-devices discount
- Automatic-backup-generator discount
- Wind-mitigation discount
- Favorable loss history
- Mortgage-free discount
- Water-shut-off-system discount
- Advance quote
- Paid-in-full discount
In our most recent survey about homeowners who have filed insurance claims, only five out of 1,000 total respondents reported having a home insurance policy with Auto-Owners. Still, results show that 77% of policyholders were satisfied with their claims experience overall, with 45% noting that their claim took one to two weeks to be approved.
While Auto-Owners scored above average in the J.D. Power 2023 U.S. Home Insurance Study, the insurer scored slightly below average in the 2024 J.D. Power study.
Our team reached out to Auto-Owners for a comment on its 2024 J.D. Power ranking and did not receive a response.
In addition to being one of the cheapest home insurance providers, Allstate is also one of the best insurers for condo insurance, older homes and high-risk homeowners. We like how the company offers discounts for paying premiums on time, opting for a full-policy payment or signing up for automatic payments. Plus, customers who bundle home and auto insurance can save up to an additional 25% off premiums.
Offers numerous discounts, including for on-time, full-policy and automatic payments, along with discounts on bundling
Offers several endorsements for policy customization
Below-average score in J.D. Power’s customer satisfaction study
Does not offer online estimates for every location
A standard home insurance policy with Allstate costs $2,763 per year or around $230 monthly. While slightly cheaper than the national average of $2,927 annually, our research shows that Allstate homeowners insurance prices increased by 9% year over year.
Out of the companies in this review, we found Allstate is the cheapest provider for homeowners in Indiana and Pennsylvania. In addition, you can save, on average, $83 or 18% with Allstate by purchasing a home and auto bundle.
Policyholders can also benefit from the following discounts:
- Multi-policy bundling
- Responsible payment
- Claim-free history
- Welcome and loyalty
- Homebuyer
- Easy-pay plan
- Protective device
- Early signing
In our most recent survey on home insurance claims, 190 out of 1,000 participants reported having a home insurance policy with Allstate. Of those customers, 71% reported being satisfied overall with the company and 89% stated they would recommend the home insurance provider to a friend.
Allstate ranked below average in the J.D. Power 2024 Home Insurance Study, though it landed in the middle of the pack at No. 13 out of 23 home insurance companies. It also scored below average in the 2023 J.D. Power study.
Our team reached out to Allstate for a comment on its below-average J.D. Power rankings and did not receive a response.
How Much is Homeowners Insurance?
On average, a homeowners insurance policy costs $2,927 per year or $244 per month. Our research found that homeowners insurance continues to increase yearly — even among some of the cheapest providers. As average national costs have risen almost 6% overall between 2024 and 2025, we encourage you to gather quotes periodically from various home insurers to ensure you’re paying the best price for your coverage needs.
See the table below to compare the national average monthly cost of a homeowners insurance policy against the providers we ranked in this review by dwelling coverage amount.
| Provider | $250,000 | $350,000 | $450,000 | $750,000 | $1,000,000 |
|---|---|---|---|---|---|
| Armed Forces Insurance | $152 | $182 | $213 | $305 | $361 |
| State Farm | $162 | $197 | $234 | $336 | $403 |
| USAA | $160 | $199 | $234 | $312 | $362 |
| Auto-Owners | $176 | $216 | $254 | $357 | $454 |
| Allstate | $191 | $230 | $273 | $387 | $478 |
| National Average | $200 | $244 | $279 | $377 | $447 |
Cheap Homeowners Insurance by Location
Location is one of the most important factors that affect your home insurance premiums. Your state, city and even ZIP code inform insurers of perils that are common to your area. Underwriters also consider your home’s distance from a fire department, which helps determine firefighters’ response time and ability to mitigate damage to your home. Finally, your local cost of living impacts labor and material costs and, therefore, the price you pay for coverage.
Cheapest Provider by State
USAA is the cheapest home insurance provider in 16% of U.S. states, and Armed Forces Insurance is the cheapest provider in 14% of states. Oklahoma has the most expensive home insurance, with policies averaging $529 monthly, while Hawaii offers the lowest average monthly premium at $71.
Use the map below to see which homeowners insurance provider offers the cheapest coverage in your state.
The Top Home Insurance Companies by State
Cheapest Provider by City
Although the state you live in plays a huge role in the cost of coverage, your city will provide the best estimate of your home insurance premium. Use the chart below to find the cheapest home insurance provider in your city.
The Top Home Insurance Companies by City
Cheapest Homeowners Insurance for Different Scenarios
Every home — and homeowner — is different from the next. In addition to your home’s location, many other factors play into your overall risk level and cost of your home insurance. Learn more about the cheapest providers based on dwelling coverage limits, claims histories, credit scores and home and auto insurance bundles in the sections below.
Cheapest Providers by Dwelling Coverage Limit
Your coverage needs, which are based on the value of your home, can increase your homeowners insurance rates. For example, if you have a high-value property, you will likely need a higher dwelling limit, which means an insurance carrier would have to pay more to rebuild your home after a covered peril. This can increase your insurance premiums as a result. You can often customize your coverage limits to lower your premium, but we don’t recommend decreasing your limits enough that you risk being undercovered.
Our research shows the cheapest provider across most dwelling coverage amounts is Armed Forces Insurance, offering competitive prices for homes valued at $250,000, $350,000, $450,000, $750,000 and $1 million.
| Dwelling | National Average Monthly Premium | Cheapest Average Monthly Premium | Cheapest National Provider |
|---|---|---|---|
| $250,000 | $200 | $152 | Armed Forces Insurance |
| $350,000 | $244 | $182 | Armed Forces Insurance |
| $450,000 | $279 | $213 | Armed Forces Insurance |
| $750,000 | $377 | $305 | Armed Forces Insurance |
| $1,000,000 | $447 | $361 | Armed Forces Insurance |
Cheapest Providers by Claims History
Home insurance rates typically increase after policyholders file a home insurance claim. If you file multiple claims, you also risk having your policy denied at the time of renewal. While knowing when — and when not to — file a claim can save you money in the long run, some providers offer affordable policies to homeowners who have submitted various types of claims.
Based on our research, State Farm is the cheapest provider for homeowners who have filed claims related to fire, lightning, water damage and freezing. USAA offers the cheapest rates for homeowners who have filed claims for wind and hail damage.
| Claim Type | Average Monthly Premium | Cheapest Provider Average Monthly Premium | Cheapest Provider |
|---|---|---|---|
| Wind and hail | $240 | $202 | USAA |
| Fire and lightning | $262 | $212 | State Farm |
| Water damage and freezing | $259 | $212 | State Farm |
Cheapest Providers by Credit Score
While a poor credit score likely won't keep you from purchasing a home insurance plan, it can affect how much you pay for a policy. Still, some providers offer homeowners insurance at a cheaper rate regardless of your credit score.
Our research found that Armed Forces Insurance provides the best rates to homeowners with poor and good credit. Auto-Owners offers the best rates for excellent credit.
| Credit Tier | Average Monthly Premium | Cheapest Provider Average Monthly Premium | Cheapest Provider |
|---|---|---|---|
| Poor (300 to 579) | $386 | $300 | Armed Forces Insurance |
| Good (670 to 739) | $244 | $182 | Armed Forces Insurance |
| Excellent (800 to 850) | $194 | $121 | Auto-Owners |
Cheapest Providers for Bundling
Most insurers offer a multi-policy discount when customers purchase a home insurance policy and another line of insurance, such as car insurance. Our research has found that bundling is one of the best ways to save money on insurance, with companies offering anywhere from 10% to 30% in savings.
We found you can save the most by bundling a home and auto policy with Frankenmuth Insurance, with an average savings of $70 per month.
|
Provider
|
Monthly Home/Auto Cost (w/o Bundle)
|
Monthly Bundled Home/Auto Cost
|
Bundle Savings
|
|---|---|---|---|
| Allstate | $314 | $263 | -16% |
| American Family | $394 | $344 | -13% |
| American National Insurance | $111 | $99 | -10% |
| Amica | $243 | $208 | -14% |
| Arbella Insurance | $260 | $203 | -22% |
| Auto-Owners | $260 | $231 | -11% |
| Acuity Insurance | $220 | $210 | -5% |
| AFR Group | $557 | $497 | -11% |
| AAA | $213 | $196 | -8% |
| California Casualty | $218 | $166 | -24% |
| Cincinnati Financial | $277 | $243 | -12% |
| Cumberland Mutual | $140 | $109 | -22% |
| Chubb | $308 | $239 | -22% |
| Country Financial | $318 | $249 | -22% |
| Erie | $262 | $220 | -16% |
| Farm Bureau | $489 | $427 | -13% |
| Farmers | $326 | $281 | -14% |
| Frankenmuth Insurance | $234 | $164 | -30% |
| Grange Insurance | $517 | $417 | -19% |
| IMT Insurance | $307 | $274 | -11% |
| Tradewinds Insurance | $114 | $101 | -12% |
| Kemper | $325 | $279 | -14% |
| Mercury Insurance | $198 | $178 | -10% |
| MMG Insurance | $175 | $158 | -10% |
| Nationwide | $321 | $271 | -16% |
| NJM | $157 | $135 | -14% |
| North Star Mutual Insurance | $244 | $221 | -10% |
| NYCM | $148 | $122 | -17% |
| National Farmers Union Insurance | $217 | $192 | -12% |
| Nodak Insurance | $248 | $227 | -8% |
| PEMCO Insurance | $164 | $129 | -21% |
| Penn National | $179 | $162 | -10% |
| Plymouth Rock | $386 | $298 | -23% |
| Progressive | $298 | $292 | -2% |
| Patrons Insurance | $126 | $118 | -6% |
| Safety Insurance | $190 | $145 | -23% |
| Shelter Insurance | $445 | $338 | -24% |
| State Farm | $262 | $193 | -26% |
| Hanover Insurance | $469 | $397 | -15% |
| Travelers | $437 | $453 | 4% |
| USAA | $235 | $220 | -6% |
| Vermont Mutual | $101 | $79 | -21% |
| Umialik Insurance | $132 | $120 | -9% |
| Westfield Insurance | $254 | $232 | -9% |
| West Bend Mutual | $182 | $180 | -1% |
How To Find the Cheapest Home Insurance Policy
Here are the standard coverage limits for a typical HO-3 insurance policy, according to the National Association of Insurance Commissioners, along with expert commentary from John Espenschied, owner of Insurance Brokers Group, on how to save money on homeowners insurance without under-covering yourself.
| Coverage Type | Standard Limit* | Espenschied’s Advice on Saving Money |
|---|---|---|
| Dwelling | For full protection, carry dwelling coverage equal to your home’s replacement value or the amount needed to fully replace or rebuild it | “Most dwelling coverage comes with a replacement cost provision, so it will pay the full cost of replacing damaged items with new ones. However, if you’re willing to accept used replacements instead of new ones, you can make adjustments accordingly and save money.” |
| Other structures | 10% of dwelling coverage limit | “Generally, other structures coverage is an automatic 10% of coverage A (dwelling coverage). You can see if the carrier will adjust or remove the coverage, but generally, it’s going to be fixed regardless of other structures on the property.” |
| Personal property | 50% of dwelling coverage limit | “A good way to reduce this coverage without sacrificing too much protection would be increasing your deductible. It’s also important to keep an inventory list of all personal items in case they need replacing after being damaged or stolen — this will help ensure that you get compensated properly in the event of a claim.” |
| Loss of use | 10% of dwelling coverage limit | “The bottom line is where you are going to go or live if you have a major fire or water damage. This type of policy can help cover costs associated with temporary relocation while repairs are being done.” |
| Liability | $100,000 to $500,000 | “Some carriers will actually give slightly better rates if you choose higher liability limits, especially if you carry an umbrella liability policy. For example, raising your underlying home insurance liability coverage from $300,000 to $500,000 would reduce your premium on an umbrella policy, which would help lower your overall premium. Additionally, you may receive a more favorable rate if you previously carried higher liability limits.” |
| Medical payments | $1,000 to $5,000 | “Keep at least the minimum of $1,000. This will help offset someone’s health insurance deductible and be a show of good will if they are hurt on your property. If possible, you’d like to avoid being sued or having an issue with finding affordable insurance in the future.” |
Consider a Lower Deductible
Home insurance policies include a deductible, or a set amount of money you have to pay before your coverage kicks in. Typically, a deductible resets annually. Choosing a lower deductible can help limit this out-of-pocket expense when you file a claim, but it will increase your premium payments. Likewise, choosing a higher deductible can help you save money on premiums in exchange for more financial responsibility when you file a claim.
Choose Your Endorsements Based on Need
Also called floaters or riders, endorsements are optional policy add-ons that expand your coverage. Some common endorsements to choose from are flood, earthquake, water backup and extended personal property insurance. When shopping for the cheapest home insurance policy, consider your coverage needs carefully. For example, earthquake coverage may not provide as much use in Nebraska as in California.
Ask About Discounts
Many providers offer home insurance discounts for bundling policies, fitting your home with safety or security systems, having no recent claims history and other criteria. However, not all providers offer the same discounts, so make sure to factor in the savings you’re eligible for before deciding which company offers you the best price.
Replacement Cost vs. Actual Cash Value
It’s important to understand the difference between replacement cost and actual cash value when shopping for a policy. Replacement cost coverage pays to replace property or contents at full market value, without a deduction for condition or depreciation. Actual cash value coverage pays a reduced amount that factors in depreciation over time. Keep in mind that replacement cost coverage is more expensive, and it is important to weigh coverage with the risks you’re willing to take before making a final decision.
Frequently Asked Questions About Cheap Homeowners Insurance
The average cost of homeowners insurance in the U.S. is $2,927 per year or $244 per month. This is 6% more than our last set of data gathered in 2024.
If you file a claim on your homeowners insurance, it can lead to a premium increase, though it depends on a few factors, such as the severity and frequency of the claims for the home or the insured. You will likely see the highest impact on your premium through claims for fire, hail, lightning and wind.
Purchasing a homeowners insurance policy can provide peace of mind if your home and personal belongings suffer damage from a natural disaster, fire, theft or other covered peril. While it isn’t required by law, your mortgage lender will likely require a policy with a certain minimum coverage limit.
The most basic homeowners insurance coverage is an HO-1 policy. It’s the least expensive but leaves the average homeowner exposed to various risks. Most insurers don’t offer HO-1 policies because of the limited coverage they provide. The most common policy is HO-3 insurance, which provides additional coverage for six perils plus those covered in an HO-1 policy.
Our System for Ranking the Best Home Insurance Companies
Our team researches and reviews home insurance providers based on a scoring system that assesses and compares each company’s quality and service. We surveyed thousands of homeowners nationwide to determine the factors most important to buyers when shopping for coverage, and to gather insights into top insurance providers. Our review also includes industry research into local insurance markets, comparing coverage options and pricing estimates, and reading customer reviews on platforms such as the Better Business Bureau and Trustpilot.
After reviewing each provider, we calculate a score based on a 100-point scale, which we then convert to a five-star rating. Here are the factors we consider when scoring providers:
- Coverage (30%): We analyze each provider’s standard home insurance policy, noting those offering more comprehensive coverage, and compare optional policy endorsements to determine overall quality.
- Cost (30%): Our team obtained cost data from Quadrant Information Services, which we compare across home insurance companies to assess pricing. We also consider each provider’s available discounts when determining its overall cost of coverage.
- Customer Experience (20%): We evaluate each company’s customer service options, such as having a live chat, customer support phone line, and multiple channels for filing claims and requesting quotes. Similarly, we score providers based on digital resources, such as a mobile app or online customer portal. Companies with quality customer service offer 24/7 availability, useful digital tools and quick claims filing.
- Industry Standing (20%): We gauge reputation by evaluating consumer reviews and third-party financial strength and customer experience ratings, including J.D. Power customer satisfaction surveys, AM Best ratings and scores on customer review aggregators such as the BBB.
Providers that offer competitive pricing, extensive discount options, endorsements, customizable coverage and unique features scored significantly higher than those without such features, helping us to create our list of the best homeowners insurance companies. Learn more about our rating process by reading our full home insurance methodology.
How We Gathered Cost Data
We at the Marketwatch Guides Team gathered home insurance quotes for the providers in this article using 2025 data from Quadrant Information Services. Quadrant is a leading source of property and casualty insurance solutions and data.
Our sample homeowner is a 40-year-old single male with good credit and no prior claims history. Our sample policies featured a $1,000 deductible and the following coverage and limits:
- Dwelling: $350,000
- Other Structures: $35,000
- Personal Property: $210,000
- Loss of Use: $70,000
- Liability: $300,000
- Medical Payments: $1,000
For each provider, we gathered a quote for 50% of the ZIP codes in every state it is licensed in. We used the most populous ZIP codes for our study. We took the average of these individual quotes to calculate a national average premium per provider. Our sample rates are for informational purposes only. Actual premiums will vary.
*Data accurate at time of publication
