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Whether you own a home already or are house-hunting, homeowners insurance is a big part of your budget.

The average home insurance rate is $2,779 per year based on Insurance.com’s analysis of 2022 data. A number of factors affect the cost of home insurance, including the location of your home, age, claim history, dwelling coverage limit, and more. Home insurance costs in each state are affected by things like weather and construction costs in addition to the more specific factors.

Below we’ll look at average home insurance rates in 2022 by state to give you an idea of what to expect.

Average home insurance cost by state

While many factors go into calculating your rate, where you live is one of the most important. Homeowners in states that are prone to hurricanes, hail storms, tornadoes and earthquakes tend to pay the most for home insurance. Insurance.com’s analysis of rates from top insurers for nearly every ZIP code in the country bears this out.

Oklahoma, Kansas, Nebraska, Arkansas, Texas and South Dakota are the most expensive states for home insurance among common coverage levels analyzed by Insurance.com. Among the least expensive states for home insurance are Hawaii and California.

As you’ll see in the homeowners insurance cost by state chart below, Oklahoma is the most expensive state for home insurance, $2,538 more than the national average for the coverage level analyzed. We show average home rates for three other common coverage levels further down the page.

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

Which state has the highest homeowners insurance rates?

Oklahoma has the highest average cost of homeowners insurance at $5,317, based on an Insurance.com rate analysis. Below you'll see the top five most expensive states for homeowners insurance.

Most Expensive States for Homeowners Insurance
RankStateAverage rates
1Oklahoma$5,317
2Kansas$4,939
3Nebraska$4,893
4Arkansas$4,201
5Texas$4,142

Which state has the lowest homeowners insurance rates?

Hawaii is the least expensive state for homeowners insurance, with an average rate of $582, based on a 2022 home insurance rate analysis across the country. Below are the top five states that are the least expensive for homeowners insurance.

States with Lowest Home Insurance Rates
RankStateAverage rate
1Hawaii$582
2California$1,380
3Washington D.C.$1,520
4Vermont$1,540
5New Hampshire$1,551

Compare homeowners insurance rates by ZIP code

What you pay for coverage depends on many factors, but one of the major variables is where you live. 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, as well as the highest and lowest fielded from major carriers.

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 not filing too many claims can also ensure you get the lowest insurance rates possible for your home.

HOME INSURANCE CALCULATOR

Average home insurance rates in CALIFORNIA

$200,000
$1,000
$100,000
94404 - Foster City
Dwelling $200,000, Deductible $1,000 and Liability $100,000.

AVERAGE RATE: $669

HIGHEST RATE: $1,029 LOWEST RATE: $443

Most & least expensive zip codes for homeowners insurance in California

Most Expensive

Zip CodeCityHighest Rate
92561Mountain Center$1,031
90210Beverly Hills$1,029
90069Los Angeles$1,020
90046Los Angeles$1,011

Least Expensive

Zip CodeCityLowest Rate
93445Oceano$606
93117Goleta$607
93111Goleta$610
93433Grover Beach$615

Average homeowners insurance rates by state by coverage level

The cost of homeowners insurance varies not just based on where you live, but on the coverage you choose. In the sections below we look at several different coverage levels. The dwelling coverage is the replacement coverage for the house itself and has the biggest impact on rates.

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

$200,000 in dwelling coverage by state

Homeowners in Oklahoma pay the highest insurance rates for $200,000 dwelling coverage. In comparison, the cost of home insurance is the lowest in Hawaii, at $440 a year for the same coverage limits.

StateAverage annual rate$ more or less than national average of $2,779% more or less than national average of $2,779
Oklahoma$4,193$1,41434%
Kansas$4,094$1,31532%
Nebraska$3,800$1,02127%
Arkansas$3,655$87624%
Texas$3,525$74621%
Kentucky$3,082$30310%
Mississippi$3,042$2639%
South Dakota$2,980$2017%
Colorado$2,964$1856%
Missouri$2,765-$14-1%
Alabama$2,614-$165-6%
Tennessee$2,455-$324-13%
Montana$2,446-$333-14%
Indiana$2,410-$369-15%
North Dakota$2,361-$418-18%
South Carolina$2,335-$444-19%
Illinois$2,321-$458-20%
Louisiana$2,317-$462-20%
Iowa$2,310-$469-20%
Minnesota$2,309-$470-20%
Georgia$2,297-$482-21%
Michigan$2,131-$648-30%
North Carolina$2,112-$667-32%
New Mexico$2,030-$749-37%
West Virginia$1,982-$797-40%
Virginia$1,903-$876-46%
Idaho$1,841-$938-51%
Ohio$1,835-$944-51%
Connecticut$1,826-$953-52%
Florida$1,786-$993-56%
Wyoming$1,751-$1,028-59%
Pennslyvania$1,720-$1,059-62%
Arizona$1,701-$1,078-63%
Oregon$1,695-$1,084-64%
Alaska$1,674-$1,105-66%
New York$1,608-$1,171-73%
Wisconsin$1,549-$1,230-79%
Nevada$1,483-$1,296-87%
Rhode Island$1,415-$1,364-96%
Utah$1,382-$1,397-101%
Washington$1,313-$1,466-112%
Maine$1,310-$1,469-112%
Maryland$1,289-$1,490-116%
Massachuessets$1,278-$1,501-117%
Vermont$1,214-$1,565-129%
Delaware$1,210-$1,569-130%
New Jersey$1,174-$1,605-137%
New Hampshire$1,152-$1,627-141%
Washington D.C$1,114-$1,665-149%
California$1,027-$1,752-171%
Hawaii$440-$2,339-532%

Homeowners insurance on a $300k home

For homeowners insurance 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.

Take a look at the full list below.

StateAverage annual rate$ more or less than national average of $2,779 % more or less than national average of $2,779
Oklahoma$5,317$2,53848%
Kansas$4,939$2,16044%
Nebraska$4,893$2,11443%
Arkansas$4,201$1,42234%
Texas$4,142$1,36333%
South Dakota$3,844$1,06528%
Mississippi$3,841$1,06228%
Kentucky$3,701$92225%
Colorado$3,661$88224%
Missouri$3,498$71921%
Alabama$3,489$71020%
North Dakota$3,139$36011%
Tennessee$3,107$32811%
Indiana$3,097$31810%
South Carolina$3,042$2639%
North Carolina$3,031$2528%
Georgia$3,024$2458%
Iowa$3,017$2388%
Minnesota$2,930$1515%
New Mexico $2,926$1475%
Louisiana$2,905$1264%
Illinois$2,752-$27-1%
Montana$2,717-$62-2%
Michigan$2,607-$172-7%
West Virginia$2,539-$240-9%
Idaho$2,453-$326-13%
Wyoming$2,436-$343-14%
Florida$2,426-$353-15%
Connecticut$2,378-$401 -17%
Ohio$2,267-$512-23%
Virginia$2,249-$530-24%
Arizona$2,224-$555-25%
Oregon$2,198-$581-26%
Pennsylvania$2,198-$581-26%
Alaska$2,131-$648-30%
New York $2,058-$721-35%
Wisconsin$2,027-$752-37%
Rhode Island$1,878-$901-48%
Nevada$1,794-$985-55%
Maine$1,756-$1,023-58%
Utah$1,755-$1,024-58%
Maryland$1,694-$1,085-64%
Washington$1,659-$1,120-68%
Massachuessets$1,603-$1,176-73%
Delaware$1,559-$1,220-78%
New Jersey$1,555-$1,224-79%
New Hampshire$1,551-$1,228-79%
Vermont$1,540-$1,239-80%
Washington D.C$1,520-$1,259-83%
California$1,380-$1,399-101%
Hawaii$582-$2,197-377%

Note that the dollar differences in parenthesis are those that are greater than the national average.

$400,000 in dwelling coverage by state

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.

StateAverage annual rate$ more or less than national average of $2,779 % more or less than national average of $2,779
Oklahoma$6,387$3,60856%
Nebraska$5,433$2,65449%
Kansas$5,427$2,64849%
Arkansas$4,598$1,81940%
South Dakota$4,596$1,81740%
Mississippi$4,578$1,79939%
Texas$4,529$1,75039%
Missouri$4,189$1,41034%
Colorado$4,142$1,36333%
Alabama$4,123$1,34433%
Kentucky$4,049$1,27031%
North Dakota$3,883$1,10428%
Georgia$3,800$1,02127%
Minnesota$3,718$93925%
Tennessee$3,712$93325%
South Carolina$3,637$85824%
Indiana$3,631$85223%
New Mexico$3,624$84523%
North Carolina$3,524$74521%
Louisiana$3,494$71520%
Iowa$3,482$70320%
Illinois$3,210$43113%
Wyoming$3,176$39713%
Idaho$3,062$2839%
Montana$3,023$2448%
Florida$3,005$2268%
West Virginia$2,996$2177%
Michigan$2,950$1716%
Connecticut$2,940$161 5%
Ohio$2,760-$19-1%
Arizona$2,747-$32-1%
Pennslyvania$2,670-$109-4%
Oregon$2,662-$117-4%
New York$2,586-$193-7%
Alaska$2,525-$254-10%
Wisconsin$2,478-$301-12%
Virginia$2,423-$356-15%
Rhode Island$2,339-$440-19%
Nevada$2,159-$620-29%
Maine$2,134-$645-30%
Maryland$2,117-$662-31%
Utah$2,112-$667-32%
Washington$2,054-$725-35%
New Jersey$1,965-$814-41%
Massachuessets$1,952-$827-42%
New Hampshire$1,950-$829-43%
Delaware$1,944-$835-43%
Washington D.C $1,921-$858-45%
Vermont$1,818-$961-53%
California$1,741-$1,038-60%
Hawaii$749-$2,030-271%

$500,000 in dwelling coverage by state

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

StateAverage annual rate$ more or less than national average of $2,779 % more or less than national average of $2,779
Oklahoma$7,192$4,41361%
Kansas$5,996$3,21754%
Nebraska$5,892$3,11353%
South Dakota$5,079$2,30045%
Mississippi$5,040$2,26145%
Arkansas$5,026$2,24745%
Texas$4,979$2,20044%
Missouri$4,783$2,00442%
Alabama$4,581$1,80239%
Georgia$4,526$1,74739%
Minnesota$4,475$1,69638%
Kentucky$4,203$1,42434%
Colorado $4,162$1,38333%
Tennessee$4,122$1,34333%
Iowa$4,118$1,33933%
North Dakota$4,105$1,32632%
New Mexico$4,071$1,29232%
South Carolina$4,059$1,28032%
Louisiana$3,696$1,19030%
Indiana$3,957$1,17830%
North Carolina$3,936$1,15729%
Wyoming $3,883$1,10428%
Illinois$3,701$92225%
Idaho$3,684$90525%
Florida$3,530$75121%
West Virginia$3,511$73221%
Montana$3,488$70920%
Connecticut$3,307$52816%
Ohio$3,171$392 12%
Oregon$3,072$29310%
Arizona$3,061$2829%
Pennslyvania$3,039$2609%
New York$2,997$2187%
Michigan$2,975$1967%
Alaska$2,937$1585%
Rhode Island$2,829$502%
Wisconsin$2,822$432%
Virginia$2,787$80%
Maryland$2,546-$233-9%
Nevada$2,500-$279-11%
Utah$2,473-$306-12%
Washington$2,448-$331-14%
Maine$2,387-$392-16%
Delaware$2,350-$429-18%
New Hampshire$2,342-$437-19%
Washington D.C$2,318-$461-20%
Massachusetts $2,315-$464-20%
New Jersey $2,276-$503-22%
California$2,138-$641-30%
Vermont$1,962-$817-42%
Hawaii$918-$1,861-203%

How much is homeowners insurance on average?

The average yearly cost of homeowners insurance is $2,779 for a dwelling coverage of $300,000 and liability coverage of $300,000 based on 2022 rates.

The nationwide average annual cost for home insurance for common coverage levels, based on a rate analysis by Insurance.com are as follows.

Average Home Insurance Rates by Coverage Level
Average rateDwelling coverageDeductibleLiability
$2,129$200,000$1,000$100,000
$2,233$200,000$1,000$300,000
$2,763$300,000$1,000$100,000
$2,779$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
$3,595$500,000$1,000$300,000
$3,825$600,000$1,000$100,000
$3,841$600,000$1,000$300,000

What to consider when buying home insurance

When buying a homeowners insurance policy, you decide the coverage amount for the following:

  • Dwelling
  • Liability
  • Medical payments

The limits of your coverage for the following are typically a set percentage of your dwelling coverage limit as shown below:

  • Other structures – 10%
  • Personal property – 50%
  • Loss of use – 20%

You also choose a home insurance deductible amount, which applies to claims for damage to your home or belongings. Deductibles usually come in the amounts of $500, $1,000, $1,500, $2,000 and $2,500. The higher your deductible, the lower your rate.

You should buy enough dwelling coverage to match the full replacement cost of your home. It's a good idea to get at least $300,000 of liability coverage to ensure sufficient coverage.

Learning how to calculate your home replacement cost or value is important because the amount helps you determine how much dwelling coverage to buy.

Medical payments coverage pays for injuries to guests in your home, regardless of who is at fault. Medical payments differs from liability insurance in significant ways, primarily in that it is for minor incidents and comes in very low limits of $1,000 or $5,000. The latter amount of $5,000 is recommended.

How to find the best home insurance companies

When shopping for home insurance, you want to do more than just compare average homeowners insurance rates. After all, the true test of an insurer is customer service and how claims are handled.

Insurance.com’s annual Best Home Insurance Companies ranking lists top insurers on customer service metrics. Here are the top-rated home insurance companies for 2022, based on Insurance.com’s anaylsis of average rates, J.D. Power and A.M. best ratings, and discounts available.

Best Home Insurance companies
Company NameStar (out of 5)
USAA4.8
State Farm4.5
Auto-Owners4.3
AIG4.1
Progressive4.1
Allstate4
Nationwide4
Erie3.9
American Family3.8
Chubb3.8
Travellers3.7
Famers3.2

Factors that affect homeowners insurance cost

Many factors affect home insurance rates. They include

  • Age. Older homes have older wiring and plumbing so they are a bigger risk of causing a fire or flooding a basement.
  • Building materials. How your home is constructed affects insurance rates.
  • Deductible. A higher deductible means lower rates.
  • Claims history. The claims history includes both claims you filed and ones that previous owners filed.
  • Credit history. Nearly all states allow insurers to consider a person's credit history.

Another thing that can affect rates is homeowners insurance discounts. Insurance companies offer dozens of discounts. Some of the largest discounts include those for having a new home, bundling your home insurance with your auto insurance, and upgrading your wiring, plumbing, and heating.

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, said Burl Daniel, CPCU, CIC, CRM, Property and Casualty Insurance Expert Witness, in Fort Worth, Texas.

Daniel said 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 there is more crime. Or another part of the state may have lower rates because severe weather losses are less frequent.

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

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

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.

Frequently asked questions

How can I get cheaper homeowners insurance?

The easiest way to get cheaper home insurance is to shop around. You can also consider raising your deductible and looking for discounts.

Can I lower my coverage to decrease my premium?

A homeowner can lower the coverage to decrease their premium, but this is not recommended. You’ll need to maintain the amount of coverage required by your mortgage company, and being underinsured is risky.

Can I make changes to my home that will lower my insurance cost?

You can lower your rates by adding storm shutters, updating your roof, and other risk-mitigating changes. You should also consider streamlining the heating system, electrical system, and plumbing in order to lower the possibility of fire and water damage.

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?

The amount you pay for homeowners insurance is determined by many factors. And 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.