Average home insurance rates by state

The average cost of home insurance in the U.S. is $2,601 annually, or $217 monthly for $300,000 in dwelling coverage, but these rates vary based on where you live. Understanding the national average and the average homeowners insurance rates by state could be useful when comparing home insurance quotes. It provides a baseline estimate of the rates other states pay for their coverage.

Homeowners in states with many natural disasters, such as hurricanes, hail storms and tornadoes, tend to have the highest home insurance rates.

See the homeowners insurance rates by state chart below for averages based on a coverage level of $300,000 for dwelling and liability coverage and a $1,000 deductible.

Map
Table
AL AK AZ AR CA CO CT DC DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY
StateAverage annual rates for $200,000 in dwelling coverageAverage annual rates for $300,000 in dwelling coverageAverage annual rates for $400,000 in dwelling coverageAverage annual rates for $600,000 in dwelling coverageAverage annual rates for $1,000,000 in dwelling coverage
Alabama$2,391$3,147$3,798$5,144$7,056
Alaska$1,355$1,708$2,064$2,779$4,098
Arizona$1,906$2,490$3,063$4,086$5,161
Arkansas$3,328$3,958$4,675$6,099$7,768
California$1,043$1,405$1,772$2,598$4,266
Colorado$3,169$4,099$4,662$5,542$7,384
Connecticut$1,750$2,231$2,707$3,641$4,762
Delaware$1,078$1,384$1,729$2,474$3,406
Florida*$3,773$4,419$4,984$5,854$6,574
Georgia$1,760$2,302$2,881$4,006$5,743
Hawaii$461$613$791$1,154$1,831
Idaho$1,476$1,961$2,449$3,427$5,288
Illinois$2,423$3,062$3,587$4,390$5,752
Indiana$2,313$2,991$3,620$4,451$5,749
Iowa$2,022$2,654$3,230$4,388$6,267
Kansas$3,638$4,843$5,688$6,798$8,310
Kentucky$2,486$3,326$4,153$5,182$6,452
Louisiana$2,822$3,594$4,409$5,277$5,979
Maine$1,021$1,391$1,741$2,510$3,972
Maryland$1,318$1,715$2,131$3,028$4,700
Massachusetts$1,303$1,640$1,998$2,746$4,168
Michigan$1,825$2,411$2,956$3,564$4,680
Minnesota$1,828$2,420$2,999$4,308$5,991
Mississippi$2,646$3,380$3,941$4,700$6,039
Missouri$2,638$3,543$4,114$4,956$6,641
Montana$2,523$3,289$3,831$4,271$5,825
Nebraska$3,809$4,800$5,904$7,365$8,451
Nevada$1,093$1,467$1,853$2,707$4,135
New Hampshire$948$1,221$1,488$2,032$3,064
New Jersey$1,171$1,526$1,894$2,619$3,915
New Mexico$1,829$2,647$3,489$4,529$5,908
New York$1,340$1,816$2,349$3,276$4,904
North Carolina$2,141$2,941$3,398$4,375$6,031
North Dakota$2,431$3,147$3,898$4,682$6,991
Ohio$1,805$2,160$2,613$3,265$4,301
Oklahoma$4,442$5,858$7,012$8,426$8,865
Oregon$1,347$1,755$2,185$3,016$4,108
Pennsylvania$1,475$1,911$2,130$2,902$3,908
Rhode Island$1,505$1,950$2,381$3,327$5,235
South Carolina$2,061$2,678$3,219$4,319$5,765
South Dakota$2,607$3,390$3,970$5,353$7,420
Tennessee$2,369$3,060$3,737$4,873$6,573
Texas$2,951$3,851$4,643$5,602$6,799
Utah$1,416$1,802$2,161$2,876$4,201
Vermont$974$1,263$1,555$2,147$3,269
Virginia$1,645$2,151$2,694$3,430$4,314
Washington$1,260$1,612$2,017$2,801$4,314
Washington, D.C.$984$1,342$1,703$2,384$3,699
West Virginia$1,465$1,911$2,354$3,271$5,041
Wisconsin$1,274$1,662$2,038$2,711$4,091
Wyoming$1,351$1,897$2,490$3,703$5,597

*Some state rates will vary based on the addition of a hurricane deductible and may be much higher when included.

States with the highest home insurance rates

Oklahoma, Kansas, Nebraska, Florida, and Colorado are the most expensive states for homeowners insurance. Oklahoma has the highest average cost of homeowners insurance at $5,858 per year.

Below, you'll see the top five most expensive states for homeowners insurance. These states are prone to severe storms, including tornadoes and hail, causing an increase in home insurance costs.

Highest home insurance rates by state
RankStateAverage rate
1Oklahoma$5,858
2Kansas$4,843
3Nebraska$4,800
4Florida$4,419
5Colorado$4,099

Data updated in 2024
Read our full methodology

States with the lowest home insurance rates

Hawaii and California have some of the lowest homeowners insurance rates. Hawaii, in particular, is the least expensive state for homeowners insurance, with an average rate of $613. Below are the top five least expensive states for homeowners insurance.

Lowest homeowners insurance rates by state
RankStateAverage rate
1Hawaii$613
2New Hampshire$1,221
3Vermont$1,263
4Washington, D.C.$1,342
5Delaware$1,384

Data updated in 2024
Read our full methodology

Why is home insurance so cheap in some states?

States have different rules regarding what a standard home insurance policy includes. Exclusions or separate deductibles for wind storms are common and greatly impact the average rate. Standard home insurance policies in Hawaii exclude damage from hurricanes, which is why home insurance is so cheap in Hawaii.

And, of course, the risks differ by state; a state with a much lower risk of a major disaster will have lower rates.

Average home insurance rates by ZIP code

ZIP code also affects home insurance rates. Our home insurance calculator lets you get a home insurance estimate for your ZIP code at various coverage levels. You'll see the average rate and the highest and lowest from major carriers for your ZIP.

Comparing homeowners insurance rates is the quickest path to cheaper rates. Choosing a higher deductible, making sure you get all the discounts that you can and avoiding filing small claims can also ensure you get the cheapest home insurance.

Home insurance calculator

Average home insurance rates in Texas
$200,000
$200,000 $300,000 $400,000 $600,000 $1,000,000
$100,000
$100,000 $300,000
Standard ($1000)
Standard ($1000) Hurricane (2% of insured value)

Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive

ZIP CodeCityHighest Rate
77550Galveston$10,164
77586El Lago$9,906
77551Galveston$9,536
77554Galveston$9,358

Least expensive

ZIP CodeCityLowest Rate
78559Iglesia Antigua$1,956
78593Santa Rosa$1,999
79915El Paso$2,008
79905El Paso$2,009
Data updated in 2024
Read our full methodology

Average homeowners insurance rates by coverage level in each state

Homeowners insurance costs vary based on where you live and the coverage you choose. In the sections below, we look at several different coverage levels. The dwelling coverage is the replacement cost amount of the house and has the biggest impact on rates.

All of these rates have a $1,000 deductible and $300,000 in personal liability.

Homeowners insurance on a $200k home

Homeowners in Oklahoma pay the highest insurance rates for a policy with $200,000 in dwelling coverage. In comparison, the cost of home insurance is the lowest in Hawaii, at $461 a year for the same coverage limits.

Below, you'll see how much homeowners is on a $200,000 home in each state

StateAverage rate$ more or less than national average ($2,005)% difference from national average ($2,005)
Alaska$1,355$650 less32%
Alabama$2,391$386 more19%
Arkansas$3,328$1,323 more66%
Arizona$1,906$99 less5%
California$1,043$962 less48%
Colorado$3,169$1,164 more58%
Connecticut$1,750$255 less13%
Washington, D.C.$984$1,021 less51%
Delaware$1,078$927 less46%
Florida$3,773$1,768 more88%
Georgia$1,760$245 less12%
Hawaii$461$1,544 less77%
Iowa$2,022$17 more1%
Idaho$1,476$529 less26%
Illinois$2,423$418 more21%
Indiana$2,313$308 more15%
Kansas$3,638$1,633 more81%
Kentucky$2,486$481 more24%
Louisiana$2,822$817 more41%
Massachusetts$1,303$702 less35%
Maryland$1,318$687 less34%
Maine$1,021$984 less49%
Michigan$1,825$180 less9%
Minnesota$1,828$177 less9%
Missouri$2,638$633 more32%
Mississippi$2,646$641 more32%
Montana$2,523$518 more26%
North Carolina$2,141$136 more7%
North Dakota$2,431$426 more21%
Nebraska$3,809$1,804 more90%
New Hampshire$948$1,057 less53%
New Jersey$1,171$834 less42%
New Mexico$1,829$176 less9%
Nevada$1,093$912 less45%
New York$1,340$665 less33%
Ohio$1,805$200 less10%
Oklahoma$4,442$2,437 more122%
Oregon$1,347$658 less33%
Pennsylvania$1,475$530 less26%
Rhode Island$1,505$500 less25%
South Carolina$2,061$56 more3%
South Dakota$2,607$602 more30%
Tennessee$2,369$364 more18%
Texas$2,951$946 more47%
Utah$1,416$589 less29%
Virginia$1,645$360 less18%
Vermont$974$1,031 less51%
Washington$1,260$745 less37%
Wisconsin$1,274$731 less36%
West Virginia$1,465$540 less27%
Wyoming$1,351$654 less33%

Data updated in 2024
Read our full methodology

Homeowners insurance on a $300k home

For a homeowners insurance policy with $300,000 in dwelling coverage, Oklahoma has the highest rate at $5,858 and Hawaii has the lowest rate at $613 based on a 2023 analysis by Insurance.com.

StateAverage rate$ more or less than the national avg ($2,601)% difference from national average ($2,601)
Alaska$1,708$893 less34%
Alabama$3,147$546 more21%
Arkansas$3,958$1,357 more52%
Arizona$2,490$111 less4%
California$1,405$1,196 less46%
Colorado$4,099$1,498 more58%
Connecticut$2,231$370 less14%
Washington, D.C.$1,342$1,259 less48%
Delaware$1,384$1,217 less47%
Florida$4,419$1,818 more70%
Georgia$2,302$299 less11%
Hawaii$613$1,988 less76%
Iowa$2,654$53 more2%
Idaho$1,961$640 less25%
Illinois$3,062$461 more18%
Indiana$2,991$390 more15%
Kansas$4,843$2,242 more86%
Kentucky$3,326$725 more28%
Louisiana$3,594$993 more38%
Massachusetts$1,640$961 less37%
Maryland$1,715$886 less34%
Maine$1,391$1,210 less47%
Michigan$2,411$190 less7%
Minnesota$2,420$181 less7%
Missouri$3,543$942 more36%
Mississippi$3,380$779 more30%
Montana$3,289$688 more26%
North Carolina$2,941$340 more13%
North Dakota$3,147$546 more21%
Nebraska$4,800$2,199 more85%
New Hampshire$1,221$1,380 less53%
New Jersey$1,526$1,075 less41%
New Mexico$2,647$46 more2%
Nevada$1,467$1,134 less44%
New York$1,816$785 less30%
Ohio$2,160$441 less17%
Oklahoma$5,858$3,257 more125%
Oregon$1,755$846 less33%
Pennsylvania$1,911$690 less27%
Rhode Island$1,950$651 less25%
South Carolina$2,678$77 more3%
South Dakota$3,390$789 more30%
Tennessee$3,060$459 more18%
Texas$3,851$1,250 more48%
Utah$1,802$799 less31%
Virginia$2,151$450 less17%
Vermont$1,263$1,338 less51%
Washington$1,612$989 less38%
Wisconsin$1,662$939 less36%
West Virginia$1,911$690 less27%
Wyoming$1,897$704 less27%

Data updated in 2024
Read our full methodology

Homeowners insurance on a $400k home

At $400,000 in coverage, the highest annual average rate is $7,012 in Oklahoma, and the lowest annual average rate is $791 in Hawaii.

Below, you'll see how much is homeowners insurance on a $400,000 house in each state.

StateAverage rate$ more or less than the national average ($3,231)% difference from national average ($3,231)
Alaska$2,064$1,167 less36%
Alabama$3,798$567 more18%
Arkansas$4,675$1,444 more45%
Arizona$3,063$168 less5%
California$1,772$1,459 less45%
Colorado$4,662$1,431 more44%
Connecticut$2,707$524 less16%
Washington, D.C.$1,703$1,528 less47%
Delaware$1,729$1,502 less46%
Florida$4,984$1,753 more54%
Georgia$2,881$350 less11%
Hawaii$791$2,440 less76%
Iowa$3,230$1 less0%
Idaho$2,449$782 less24%
Illinois$3,587$356 more11%
Indiana$3,620$389 more12%
Kansas$5,688$2,457 more76%
Kentucky$4,153$922 more29%
Louisiana$4,409$1,178 more36%
Massachusetts$1,998$1,233 less38%
Maryland$2,131$1,100 less34%
Maine$1,741$1,490 less46%
Michigan$2,956$275 less9%
Minnesota$2,999$232 less7%
Missouri$4,114$883 more27%
Mississippi$3,941$710 more22%
Montana$3,831$600 more19%
North Carolina$3,398$167 more5%
North Dakota$3,898$667 more21%
Nebraska$5,904$2,673 more83%
New Hampshire$1,488$1,743 less54%
New Jersey$1,894$1,337 less41%
New Mexico$3,489$258 more8%
Nevada$1,853$1,378 less43%
New York$2,349$882 less27%
Ohio$2,613$618 less19%
Oklahoma$7,012$3,781 more117%
Oregon$2,185$1,046 less32%
Pennsylvania$2,130$1,101 less34%
Rhode Island$2,381$850 less26%
South Carolina$3,219$12 less0%
South Dakota$3,970$739 more23%
Tennessee$3,737$506 more16%
Texas$4,643$1,412 more44%
Utah$2,161$1,070 less33%
Virginia$2,694$537 less17%
Vermont$1,555$1,676 less52%
Washington$2,017$1,214 less38%
Wisconsin$2,038$1,193 less37%
West Virginia$2,354$877 less27%
Wyoming$2,490$741 less23%

Data updated in 2024
Read our full methodology

Homeowners insurance on a $600k home

Below are the average annual home insurance rates for the dwelling coverage of $600,000 and $1,000 deductible.

StateAverage rate$ more or less than the national average ($4,677)% difference from national average ($4,677)
Alaska$2,779$1,898 less41%
Alabama$5,144$467 more10%
Arkansas$6,099$1,422 more30%
Arizona$4,086$591 less13%
California$2,598$2,079 less44%
Colorado$5,542$865 more18%
Connecticut$3,641$1,036 less22%
Washington, D.C.$2,384$2,293 less49%
Delaware$2,474$2,203 less47%
Florida$5,854$1,177 more25%
Georgia$4,006$671 less14%
Hawaii$1,154$3,523 less75%
Iowa$4,388$289 less6%
Idaho$3,427$1,250 less27%
Illinois$4,390$287 less6%
Indiana$4,451$226 less5%
Kansas$6,798$2,121 more45%
Kentucky$5,182$505 more11%
Louisiana$5,277$600 more13%
Massachusetts$2,746$1,931 less41%
Maryland$3,028$1,649 less35%
Maine$2,510$2,167 less46%
Michigan$3,564$1,113 less24%
Minnesota$4,308$369 less8%
Missouri$4,956$279 more6%
Mississippi$4,700$23 more0%
Montana$4,271$406 less9%
North Carolina$4,375$302 less6%
North Dakota$4,682$5 more0%
Nebraska$7,365$2,688 more57%
New Hampshire$2,032$2,645 less57%
New Jersey$2,619$2,058 less44%
New Mexico$4,529$148 less3%
Nevada$2,707$1,970 less42%
New York$3,276$1,401 less30%
Ohio$3,265$1,412 less30%
Oklahoma$8,426$3,749 more80%
Oregon$3,016$1,661 less36%
Pennsylvania$2,902$1,775 less38%
Rhode Island$3,327$1,350 less29%
South Carolina$4,319$358 less8%
South Dakota$5,353$676 more14%
Tennessee$4,873$196 more4%
Texas$5,602$925 more20%
Utah$2,876$1,801 less39%
Virginia$3,430$1,247 less27%
Vermont$2,147$2,530 less54%
Washington$2,801$1,876 less40%
Wisconsin$2,711$1,966 less42%
West Virginia$3,271$1,406 less30%
Wyoming$3,703$974 less21%

Data updated in 2024
Read our full methodology

How much is homeowners insurance on average?

The average yearly cost of homeowners insurance is $2,601 for a dwelling and liability coverage of $300,000, with a $1,000 deductible, but rates vary by coverage level.

The nationwide average annual rates for home insurance for various coverage levels are shown below.

Dwelling coverageDeductibleLiability coverageAverage annual premium
$200,000$1,000$100,000$1,988
$200,000$1,000$300,000$2,005
$300,000$1,000$100,000$2,582
$300,000$1,000$300,000$2,601
$400,000$1,000$100,000$3,211
$400,000$1,000$300,000$3,231
$600,000$1,000$100,000$4,651
$600,000$1,000$300,000$4,677
$1,000,000$1,000$100,000$7,380
$1,000,000$1,000$300,000$7,412

Data updated in 2024
Read our full methodology

Factors that affect homeowners insurance rates

Many factors affect home insurance rates. While most of them are the same in all states, like the size and age of your home. But some factors are related to the state you live in as well.

For example, in Florida, hurricanes affect the cost of home insurance, while in California, wildfires are a factor. Across the Midwest, winter weather and summer storms prone to hail and high winds both impact rates.

In fact, location is a big factor in home insurance rates.

How does location affect homeowners insurance?

Location is one of the biggest factors in your home insurance rates.

Insurers consider many factors when judging location:

  • Weather (areas that experience more natural disasters will likely have higher premiums)
  • Population density
  • Nearness to an area that could lead to claims, such as woods (fire risk) or dangerous roads or intersections (cars crashing into your living room)
  • Proximity to a fire department and fire hydrant
  • Claims history for the area

Home insurance companies base rates in part by location, which can go well beyond the state level, says Burl Daniel, CPCU, CIC, CRM, Property and Casualty Insurance Expert Witness, in Fort Worth, Texas.

Daniel says that, generally speaking, insurers base rates and premiums on a home's COPE:

  • Construction (brick/frame)
  • Occupancy (owner/tenant)
  • Protection (fire department rating)
  • Exposure (residential vs. commercial neighborhood)

One part of a state might have higher rates because of more crime. Another part of the state may have lower rates because severe weather losses are less frequent.

"It's not one size fits all," Daniel says.

Living near a full-time fire station with a nearby hydrant affects your home insurance rates. An insurer wants a home near a fire department and hydrant because there is less chance of your home burning down if you live near a fire station. Having a hydrant nearby also means firefighters can start battling a house fire faster than if the hydrant is down the street -- or even miles away.

Methodology

Insurance.com, in 2023, commissioned Quadrant Information Systems to field home insurance rates from major insurers in each state for nearly all ZIP codes in the country for 10 coverage levels based on various dwelling and deductible limits. The homeowner profile is a 35-year-old married applicant with an excellent insurance score insuring a new business HO-3 policy for a house built in 2000 with frame construction and composition roof. Other Structures: 10%. Loss of Use defaulted: 10%. Personal Property defaulted: 50%. Guest Medical limit: $5,000. Personal property: 50% of dwelling coverage for actual cash value. The content was updated for 2024.

*Some state rates will vary based on the addition of a hurricane deductible and may be much higher when included.

Home insurance FAQs

What is the cheapest home insurance company?

That depends on where you live, your home and many other factors. Find the cheapest home insurance company for you by shopping around.

How can I reduce my homeowners insurance premium?

Discounts and shopping around are the best ways to get cheaper home insurance. A higher deductible will also instantly reduce your rates, but be sure you can afford it if there's a claim.

Can I lower my dwelling coverage to reduce my premium?

You can lower your dwelling coverage as long as you are still meeting mortgage company requirements, but it's not recommended and can leave you underinsured.

How much is home insurance in Texas?

Based on Insurance.com’s rate analysis, on average the home insurance cost in Texas is $3,851. Texas is counted among the states with the highest homeowners insurance rates.

How much is homeowners insurance in California?

The average cost of home insurance in California is $1,405. It is one of the five states with the least expensive homeowners insurance.

How much should I pay for home insurance?

Many factors determine the amount you pay for homeowners insurance. The cost varies depending on the individual, but it typically requires enough dwelling coverage to rebuild one's home and enough personal property protection for their belongings.