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The average home insurance rate in the U.S. is $2,777 annually, or $231 monthly for $300,000 in dwelling coverage and liability and a $1,000 deductible. The cost of home insurance by state varies, however, in some cases by thousands of dollars.

Oklahoma is the most expensive state for home insurance, with an average cost of $5,317 a year. Hawaii is the cheapest state for home insurance at only $582 a year, on average. Where you live in the state will also make a difference; for example, coastal homes will be more costly than those inland, as a general rule.

Below, we’ll look at average home insurance rates in each state and explain why some states are more expensive.

Key takeaways

  • The average cost of homeowners insurance in the U.S. is $2,777 a year for a policy with $300,000 in dwelling coverage.
  • Oklahoma is the most expensive state for home insurance, while Hawaii is the cheapest.
  • Home insurance rates by state vary based on things like severe weather and what's included in a standard policy.

How much does homeowners insurance cost in your state?

Oklahoma, Kansas, Nebraska, Arkansas, Texas and South Dakota are the most expensive states for home insurance. Among the least expensive states for home insurance are Hawaii and California.

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 cost 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 $500,000 in dwelling coverage
Alabama$2,614$3,489$4,123$4,581
Alaska$1,674$2,131$2,525$2,937
Arizona$1,701$2,224$2,747$3,061
Arkansas$3,655$4,201$4,598$5,026
California$1,027$1,380$1,741$2,138
Colorado$2,964$3,661$4,142$4,162
Connecticut$1,826$2,378$2,940$3,307
Delaware$1,210$1,559$1,944$2,350
Florida*$1,786$2,426$3,005$3,530
Georgia$2,297$3,024$3,800$4,526
Hawaii$440$582$749$918
Idaho$1,841$2,453$3,062$3,684
Illinois$2,321$2,752$3,210$3,701
Indiana$2,410$3,097$3,631$3,957
Iowa$2,310$3,017$3,482$4,118
Kansas$4,094$4,939$5,427$5,996
Kentucky$3,082$3,701$4,049$4,203
Louisiana$2,317$2,905$3,494$3,696
Maine$1,310$1,756$2,134$2,387
Maryland$1,289$1,694$2,117$2,546
Massachusetts$1,278$1,603$1,952$2,315
Michigan$2,131$2,607$2,950$2,975
Minnesota$2,309$2,930$3,718$4,475
Mississippi$3,042$3,841$4,578$5,040
Missouri$2,765$3,498$4,189$4,783
Montana$2,446$2,717$3,023$3,488
Nebraska$3,800$4,893$5,433$5,892
Nevada$1,483$1,794$2,159$2,500
New Hampshire$1,152$1,551$1,950$2,342
New Jersey$1,174$1,555$1,965$2,276
New Mexico$2,030$2,926$3,624$4,071
New York$1,608$2,058$2,586$2,997
North Carolina$2,112$3,031$3,524$3,936
North Dakota$2,361$3,139$3,883$4,105
Ohio$1,835$2,267$2,760$3,171
Oklahoma$4,193$5,317$6,387$7,192
Oregon$1,695$2,198$2,662$3,072
Pennsylvania$1,720$2,198$2,670$3,039
Rhode Island$1,415$1,878$2,339$2,829
South Carolina$2,335$3,042$3,637$4,059
South Dakota$2,980$3,844$4,596$5,079
Tennessee$2,455$3,107$3,712$4,122
Texas$3,525$4,142$4,529$4,979
Utah$1,382$1,755$2,112$2,473
Vermont$1,214$1,540$1,818$1,962
Virginia$1,903$2,249$2,423$2,787
Washington$1,313$1,659$2,054$2,448
District of Columbia$1,114$1,520$1,921$2,318
West Virginia$1,982$2,539$2,996$3,511
Wisconsin$1,549$2,027$2,478$2,822
Wyoming$1,751$2,436$3,176$3,883

*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 has the highest average cost of homeowners insurance at $5,317. 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.

States with the highest home insurance rates
RankStateAverage rates
1Oklahoma$5,317
2Kansas$4,939
3Nebraska$4,893
4Arkansas$4,201
5Texas$4,142

States with the lowest home insurance rates

Hawaii is the least expensive state for homeowners insurance, with an average rate of $582. Below are the top five least expensive states for homeowners insurance.

States with the lowest home insurance rates
RankStateAverage rate
1Hawaii$582
2California$1,380
3Washington D.C.$1,520
4Vermont$1,540
5New Hampshire$1,551

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, resulting in much 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 FLORIDA

$200,000
$1,000
$100,000
33315 - Fort Lauderdale
Dwelling $200,000, Deductible $1,000 and Liability $100,000.

AVERAGE RATE: $1,986

HIGHEST RATE: $5,304 LOWEST RATE: $491

Most & least expensive zip codes for homeowners insurance in Florida

Most Expensive

Zip CodeCityHighest Rate
32805Holden Heights$5,278
33455Hobe Sound$5,273
33150Gladeview$5,065
32806Conway$5,052

Least Expensive

Zip CodeCityLowest Rate
34234North Sarasota$1,134
32071O Brien$1,136
34994North River Shores$1,137
33544Wesley Chapel$1,140

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 $440 a year for the same coverage limits.

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

Average home insurance rates for $200,000 in dwelling coverage
State Average Rate $ more or less than national average ($2,233) % difference from national average ($2,233)
Oklahoma$4,193$1,96088%
Kansas$4,094$1,86183%
Nebraska$3,800$1,56770%
Arkansas$3,655$1,42264%
Texas$3,525$1,29258%
Kentucky$3,082$84938%
Mississippi$3,042$80936%
South Dakota$2,980$74733%
Colorado$2,964$73133%
Missouri$2,765$53224%
Alabama$2,614$38117%
Tennessee$2,455$22210%
Montana$2,446$21310%
Indiana$2,410$1778%
North Dakota$2,361$1286%
South Carolina$2,335$1025%
Illinois$2,321$884%
Louisiana$2,317$844%
Iowa$2,310$773%
Minnesota$2,309$763%
Georgia$2,297$643%
Michigan$2,131-$102-5%
North Carolina$2,112-$121-5%
New Mexico$2,030-$203-9%
West Virginia$1,982-$251-11%
Virginia$1,903-$330-15%
Idaho$1,841-$392-18%
Ohio$1,835-$398-18%
Connecticut$1,826-$407-18%
Wyoming$1,751-$482-22%
Florida$1,738-$495-22%
Pennsylvania$1,720-$513-23%
Arizona$1,701-$532-24%
Oregon$1,695-$538-24%
Alaska$1,674-$559-25%
New York$1,608-$625-28%
Wisconsin$1,549-$684-31%
Nevada$1,483-$750-34%
Rhode Island$1,415-$818-37%
Utah$1,382-$851-38%
Washington$1,313-$920-41%
Maine$1,310-$923-41%
Maryland$1,289-$944-42%
Massachusetts$1,278-$955-43%
Vermont$1,214-$1,019-46%
Delaware$1,210-$1,023-46%
New Jersey$1,174-$1,059-47%
New Hampshire$1,152-$1,081-48%
Washington D.C.$1,114-$1,119-50%
California$1,027-$1,206-54%
Hawaii$440-$1,793-80%

Homeowners insurance on a $300k home

For a homeowners insurance policy with $300,000 in dwelling coverage, Oklahoma has the highest rate at $5,317 and Hawaii has the lowest rate at $582 based on a 2022 analysis by Insurance.com.

Average home insurance rates for $300,000 in dwelling coverage
State Average Rate $ more or less than national average ($2,777) % difference from national average ($2,777)
Oklahoma$5,317$2,54091%
Kansas$4,939$2,16278%
Nebraska$4,893$2,11676%
Arkansas$4,201$1,42451%
Texas$4,142$1,36549%
South Dakota$3,844$1,06738%
Mississippi$3,841$1,06438%
Kentucky$3,701$92433%
Colorado$3,661$88432%
Missouri$3,498$72126%
Alabama$3,489$71226%
North Dakota$3,139$36213%
Tennessee$3,107$33012%
Indiana$3,097$32012%
South Carolina$3,042$26510%
North Carolina$3,031$2549%
Georgia$3,024$2479%
Iowa$3,017$2409%
Minnesota$2,930$1536%
New Mexico$2,926$1495%
Louisiana$2,905$1285%
Illinois$2,752-$25-1%
Montana$2,717-$60-2%
Michigan$2,607-$170-6%
West Virginia$2,539-$238-9%
Idaho$2,453-$324-12%
Wyoming$2,436-$341-12%
Connecticut$2,378-$399-14%
Florida$2,364-$413-15%
Ohio$2,267-$510-18%
Virginia$2,249-$528-19%
Arizona$2,224-$553-20%
Oregon$2,198-$579-21%
Pennsylvania$2,198-$579-21%
Alaska$2,131-$646-23%
New York$2,058-$719-26%
Wisconsin$2,027-$750-27%
Rhode Island$1,878-$899-32%
Nevada$1,794-$983-35%
Maine$1,756-$1,021-37%
Utah$1,755-$1,022-37%
Maryland$1,694-$1,083-39%
Washington$1,659-$1,118-40%
Massachusetts$1,603-$1,174-42%
Delaware$1,559-$1,218-44%
New Jersey$1,555-$1,222-44%
New Hampshire$1,551-$1,226-44%
Vermont$1,540-$1,237-45%
Washington D.C.$1,520-$1,257-45%
California$1,380-$1,397-50%
Hawaii$582-$2,195-79%

Homeowners insurance on a $400k home

At $400,000 in coverage, the highest annual average rate is $6,387 in Oklahoma, and the lowest annual average rate is $749 in Hawaii.

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

Average home insurance rates for $400,000 in dwelling coverage
State Average Rate $ more or less than national average ($3,231) % difference from national average ($3,231)
Oklahoma$6,387$3,15698%
Nebraska$5,433$2,20268%
Kansas$5,427$2,19668%
Arkansas$4,598$1,36742%
South Dakota$4,596$1,36542%
Mississippi$4,578$1,34742%
Texas$4,529$1,29840%
Missouri$4,189$95830%
Colorado$4,142$91128%
Alabama$4,123$89228%
Kentucky$4,049$81825%
North Dakota$3,883$65220%
Georgia$3,800$56918%
Minnesota$3,718$48715%
Tennessee$3,712$48115%
South Carolina$3,637$40613%
Indiana$3,631$40012%
New Mexico$3,624$39312%
North Carolina$3,524$2939%
Louisiana$3,494$2638%
Iowa$3,482$2518%
Illinois$3,210-$21-1%
Wyoming$3,176-$55-2%
Idaho$3,062-$169-5%
Montana$3,023-$208-6%
West Virginia$2,996-$235-7%
Florida$2,983-$248-8%
Michigan$2,950-$281-9%
Connecticut$2,940-$291-9%
Ohio$2,760-$471-15%
Arizona$2,747-$484-15%
Pennsylvania$2,670-$561-17%
Oregon$2,662-$569-18%
New York$2,586-$645-20%
Alaska$2,525-$706-22%
Wisconsin$2,478-$753-23%
Virginia$2,423-$808-25%
Rhode Island$2,339-$892-28%
Nevada$2,159-$1,072-33%
Maine$2,134-$1,097-34%
Maryland$2,117-$1,114-34%
Utah$2,112-$1,119-35%
Washington$2,054-$1,177-36%
New Jersey$1,965-$1,266-39%
Massachusetts$1,952-$1,279-40%
New Hampshire$1,950-$1,281-40%
Delaware$1,944-$1,287-40%
Washington D.C.$1,921-$1,310-41%
Vermont$1,818-$1,413-44%
California$1,741-$1,490-46%
Hawaii$749-$2,482-77%

Homeowners insurance on a $500k home

Below are the average annual home insurance rates for the dwelling coverage of $500,000 and $1,000 deductible.

Average home insurance rates for $500,000 in dwelling coverage
State Average Rate $ more or less than national average ($3,594) % difference from national average ($3,594)
Oklahoma$7,192$3,598100%
Kansas$5,996$2,40267%
Nebraska$5,892$2,29864%
South Dakota$5,079$1,48541%
Mississippi$5,040$1,44640%
Arkansas$5,026$1,43240%
Texas$4,979$1,38539%
Missouri$4,783$1,18933%
Alabama$4,581$98727%
Georgia$4,526$93226%
Minnesota$4,475$88125%
Kentucky$4,203$60917%
Colorado$4,162$56816%
Tennessee$4,122$52815%
Iowa$4,118$52415%
North Dakota$4,105$51114%
New Mexico$4,071$47713%
South Carolina$4,059$46513%
Louisiana$3,969$37510%
Indiana$3,957$36310%
North Carolina$3,936$34210%
Wyoming$3,883$2898%
Illinois$3,701$1073%
Idaho$3,684$903%
West Virginia$3,511-$83-2%
Florida$3,506-$88-2%
Montana$3,488-$106-3%
Connecticut$3,307-$287-8%
Ohio$3,171-$423-12%
Oregon$3,072-$522-15%
Arizona$3,061-$533-15%
Pennsylvania$3,039-$555-15%
New York$2,997-$597-17%
Michigan$2,975-$619-17%
Alaska$2,937-$657-18%
Rhode Island$2,829-$765-21%
Wisconsin$2,822-$772-21%
Virginia$2,787-$807-22%
Maryland$2,546-$1,048-29%
Nevada$2,500-$1,094-30%
Utah$2,473-$1,121-31%
Washington$2,448-$1,146-32%
Maine$2,387-$1,207-34%
Delaware$2,350-$1,244-35%
New Hampshire$2,342-$1,252-35%
Washington D.C.$2,318-$1,276-36%
Massachusetts$2,315-$1,279-36%
New Jersey$2,276-$1,318-37%
California$2,138-$1,456-41%
Vermont$1,962-$1,632-45%
Hawaii$918-$2,676-74%

How much is homeowners insurance on average?

The average yearly cost of homeowners insurance is $2,777 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.

Average home insurance rates by coverage level
Average annual premium Dwelling coverage Deductible Liability coverage
$2,218$200,000$1,000$100,000
$2,233$200,000$1,000$300,000
$2,762$300,000$1,000$100,000
$2,777$300,000$1,000$300,000
$3,215$400,000$1,000$100,000
$3,231$400,000$1,000$300,000
$3,580$500,000$1,000$100,000
$3,594$500,000$1,000$300,000
$3,823$600,000$1,000$100,000
$3,839$600,000$1,000$300,000

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.

Frequently asked questions about home insurance rates

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 $4,142. 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 $1,380. 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.

Methodology

Insurance.com, in 2022, 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. 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.

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