We have State Farm....ins premiums are based on where you live, how long you've been with the company, value of your vehicle....so we can't say which is the cheapest. I CAN say to make sure your home owners or renters ins will cover your clothes, equipment etc inside your trailer. We've had great coverage with SF and they've never raised my rates after I've made a claim....not even when I screwed up and it cost them $20,000.