Table of contents
- Average homeowners insurance rates by state
- States with the lowest home insurance rates
- Top most expensive homeowners insurance by state
- Average home insurance rates by ZIP code
- Why has homeowners insurance gone up so much?
- Home insurance trends by state
- Average homeowners insurance rates by state and company
- Average homeowners insurance rates by state and city
- Average homeowners insurance rates by coverage level in each state
- How much is homeowners insurance in 2026?
- Factors that affect homeowners insurance rates by state
- How to save on homeowners insurance in your state
- Methodology
- FAQ: Average home insurance rates by state
Average homeowners insurance rates by state
The average home insurance cost in the U.S. is $2,543 annually, or $212 monthly for $300,000 in dwelling coverage, but these rates vary based on where you live. Knowing the national average and comparing the average homeowners insurance rates by state provides a baseline estimate of rates. That baseline can help you to see how what you pay stacks up, both within your state and elsewhere.
See the average 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.
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Table
Florida
| State | Average annual rates for $200,000 in dwelling coverage | Average annual rates for $300,000 in dwelling coverage | Average annual rates for $400,000 in dwelling coverage | Average annual rates for $600,000 in dwelling coverage | Average 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 lowest home insurance rates
Hawaii is the least expensive state for homeowners insurance, with an average rate of $659. It's followed by Vermont at $1,063 and New Hampshire at $1,300.
Below are the top five least expensive states for homeowners insurance.
| Rank | State | Average annual premium |
|---|---|---|
| 1 | Hawaii | $659 |
| 2 | Vermont | $1,063 |
| 3 | New Hampshire | $1,300 |
| 4 | Maine | $1,335 |
| 5 | Delaware | $1,374 |
Top most expensive homeowners insurance by state
Florida, Louisiana, Kansas, Oklahoma, and Colorado are the most expensive states for homeowners insurance. Florida has the highest average cost of homeowners insurance in the U.S. at $7,136 per year.
Homeowners in states with many natural disasters, such as hurricanes, hail storms and tornadoes, tend to have the highest home insurance rates, but rising home insurance rates are becoming common across the nation.
Below, you'll see the top five most expensive states for homeowners insurance. These states are prone to severe weather causing an increase in home insurance costs.
| Rank | State | Average annual premium |
|---|---|---|
| 1 | Florida | $7,136 |
| 2 | Louisiana | $5,986 |
| 3 | Kansas | $5,260 |
| 4 | Oklahoma | $5,010 |
| 5 | Colorado | $4,963 |
Average home insurance rates by ZIP code
The average cost of homeowners insurance by state is just the beginning; ZIP code also affects 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.
Why has homeowners insurance gone up so much?
A number of factors have contributed to the increasing cost of home insurance. They include:
- Climate change. The increased frequency of natural disasters and more severe damage from those disasters has increased risk and, as a result, home insurance rates.
- Inflation. The cost of building materials has increased, which means it costs more to repair or rebuild a home, or replace contents.
- Supply chain issues. Even post-pandemic, companies are still feeling the effects of disrupted supply chains.
- Regulation. In areas where regulators may have previously denied rate increases, they are being approved, and legislation around rate increases has changed. For example, California now allows they use of climate data in the rating process.
Home insurance calculator by ZIP code
Average home insurance rates in TexasMost & least expensive ZIP codes for homeowners insurance in Texas
| ZIP code | City | Highest rate |
|---|---|---|
| 77550 | Galveston | $10,164 |
| 77586 | El Lago | $9,906 |
| 77551 | Galveston | $9,536 |
| 77554 | Galveston | $9,358 |
| ZIP code | City | Lowest rate |
|---|---|---|
| 78559 | Iglesia Antigua | $1,956 |
| 78593 | Santa Rosa | $1,999 |
| 79915 | El Paso | $2,008 |
| 79905 | El Paso | $2,009 |
Home insurance trends by state
While some home insurance trends are universal, states are impacted differently. Here are the top trends to know about across the U.S. when it comes to home insurance and which states are seeing the most significant changes.
- Homeowners insurance rates increase by an average of 10.4% in 2024, with 34 states seeing double-digit increases, according to S&P Global.
- The same report founds that rates went up the most in Nebraska, followed by Montana and then Iowa, rather than the expected states; all three saw increases of over 20% in 2024.
- California regulators will not allow home insurance companies in wildfire-stricken areas to nonrenew policies for 12 months.
- Florida Insurance Commissioner Mike Yaworsky is optimistic about rates stabilizing in the state in 2025, noting that nine new insurers entered the market in 2024 and that among the top 10 national carriers, 40% have filed rate decreases..
- A new Louisiana law removes the "three-year-rule" that prevented insurance companies from dropping a policy that has been in force for the past three years, Fox8 reports. The change is intended to create competition and stabilize rates.
Average homeowners insurance rates by state and company
Rates don’t just vary by location; the company you choose matters, too. Major home insurance companies’ rates differ depending on where you live. Take a look at rates from top companies in your state below.
| State | Company | Average annual premium | Average monthly premium |
|---|---|---|---|
| Alaska | State Farm | $1,466 | $122 |
| Alaska | Allstate | $2,042 | $170 |
| Alaska | USAA | $1,290 | $108 |
| Alaska | Country Financial | $1,390 | $116 |
| Alaska | Western National Insurance | $1,135 | $95 |
| Alabama | State Farm | $3,099 | $258 |
| Alabama | Farmers | $3,617 | $301 |
| Alabama | Nationwide | $3,197 | $266 |
| Alabama | Travelers | $5,271 | $439 |
| Alabama | Auto-Owners | $3,168 | $264 |
| Alabama | USAA | $3,415 | $285 |
| Alabama | Alfa Insurance | $5,031 | $419 |
| Alabama | Country Financial | $3,569 | $297 |
| Arkansas | State Farm | $3,281 | $273 |
| Arkansas | Farmers | $3,853 | $321 |
| Arkansas | Allstate | $3,939 | $328 |
| Arkansas | Nationwide | $3,439 | $287 |
| Arkansas | Travelers | $3,635 | $303 |
| Arkansas | Auto-Owners | $7,333 | $611 |
| Arkansas | USAA | $3,232 | $269 |
| Arkansas | Farm Bureau Insurance of Arkansas | $2,345 | $195 |
| Arkansas | Shelter Insurance | $5,086 | $424 |
| Arizona | State Farm | $1,505 | $125 |
| Arizona | Farmers | $2,523 | $210 |
| Arizona | Allstate | $2,410 | $201 |
| Arizona | Nationwide | $2,605 | $217 |
| Arizona | American Family | $2,844 | $237 |
| Arizona | Travelers | $3,010 | $251 |
| Arizona | USAA | $2,017 | $168 |
| California | State Farm | $1,717 | $143 |
| California | Farmers | $1,926 | $160 |
| California | Allstate | $1,166 | $97 |
| California | Nationwide | $1,725 | $144 |
| California | Travelers | $1,103 | $92 |
| California | USAA | $1,614 | $134 |
| California | Auto Club Enterprises (AAA) | $1,335 | $111 |
| California | CSAA Insurance (AAA) | $1,443 | $120 |
| California | Mercury Insurance | $1,645 | $137 |
| Colorado | State Farm | $2,557 | $213 |
| Colorado | Farmers | $6,504 | $542 |
| Colorado | Allstate | $2,517 | $210 |
| Colorado | Nationwide | $5,940 | $495 |
| Colorado | American Family | $7,231 | $603 |
| Colorado | USAA | $4,315 | $360 |
| Connecticut | State Farm | $2,211 | $184 |
| Connecticut | Farmers | $2,935 | $245 |
| Connecticut | American Family | $3,460 | $288 |
| Connecticut | Travelers | $1,505 | $125 |
| Connecticut | Progressive | $1,600 | $133 |
| Connecticut | USAA | $1,265 | $105 |
| Connecticut | Amica | $1,577 | $131 |
| Connecticut | Chubb | $2,482 | $207 |
| Connecticut | National General | $1,761 | $147 |
| Washington, D.C. | State Farm | $1,506 | $126 |
| Washington, D.C. | Allstate | $1,985 | $165 |
| Washington, D.C. | USAA | $1,170 | $98 |
| Washington, D.C. | Chubb | $1,920 | $160 |
| Delaware | State Farm | $1,081 | $90 |
| Delaware | Allstate | $1,223 | $102 |
| Delaware | Nationwide | $1,690 | $141 |
| Delaware | American Family | $1,748 | $146 |
| Delaware | Travelers | $1,524 | $127 |
| Delaware | Cumberland Insurance | $1,014 | $85 |
| Florida | State Farm | $4,654 | $388 |
| Florida | Allstate | $11,844 | $987 |
| Florida | Nationwide | $8,148 | $679 |
| Florida | Progressive | $7,892 | $658 |
| Florida | Citizens Property Insurance | $5,682 | $474 |
| Florida | HCI Group Inc | $7,002 | $584 |
| Florida | Heritage Insurance Holdings | $8,008 | $667 |
| Florida | Security First Insurance | $5,050 | $421 |
| Florida | Universal Insurance Holding | $9,010 | $751 |
| Georgia | State Farm | $3,004 | $250 |
| Georgia | Farmers | $3,174 | $265 |
| Georgia | Allstate | $1,695 | $141 |
| Georgia | Nationwide | $2,403 | $200 |
| Georgia | Travelers | $2,578 | $215 |
| Georgia | Auto-Owners | $2,063 | $172 |
| Georgia | USAA | $1,722 | $144 |
| Georgia | Country Financial | $2,818 | $235 |
| Georgia | Georgia Farm Bureau | $4,062 | $339 |
| Hawaii | State Farm | $504 | $42 |
| Hawaii | Allstate | $739 | $62 |
| Hawaii | AIG | $606 | $51 |
| Hawaii | Dongbu Insurance | $517 | $43 |
| Hawaii | Island Insurance | $811 | $68 |
| Hawaii | RLI Insurance | $789 | $66 |
| Hawaii | Tokio Marine Holdings | $884 | $74 |
| Hawaii | Universal Insurance Co | $421 | $35 |
| Iowa | State Farm | $2,648 | $221 |
| Iowa | Farmers | $3,017 | $251 |
| Iowa | Allstate | $3,114 | $259 |
| Iowa | Nationwide | $2,988 | $249 |
| Iowa | American Family | $3,890 | $324 |
| Iowa | Auto-Owners | $2,947 | $246 |
| Iowa | USAA | $2,606 | $217 |
| Iowa | IMT Insurance | $3,208 | $267 |
| Iowa | Iowa Farm Bureau | $6,058 | $505 |
| Iowa | West Bend Insurance Company | $2,198 | $183 |
| Idaho | State Farm | $1,485 | $124 |
| Idaho | Farmers | $2,187 | $182 |
| Idaho | Allstate | $2,638 | $220 |
| Idaho | Nationwide | $2,293 | $191 |
| Idaho | American Family | $1,676 | $140 |
| Idaho | USAA | $2,285 | $190 |
| Idaho | Idaho Farm Bureau | $3,428 | $286 |
| Illinois | State Farm | $2,211 | $184 |
| Illinois | Farmers | $3,331 | $278 |
| Illinois | Allstate | $1,460 | $122 |
| Illinois | American Family | $8,522 | $710 |
| Illinois | Travelers | $2,475 | $206 |
| Illinois | Auto-Owners | $1,036 | $86 |
| Illinois | USAA | $2,293 | $191 |
| Illinois | Country Financial | $4,433 | $369 |
| Indiana | State Farm | $2,540 | $212 |
| Indiana | Farmers | $3,133 | $261 |
| Indiana | Nationwide | $3,362 | $280 |
| Indiana | American Family | $2,269 | $189 |
| Indiana | Travelers | $3,592 | $299 |
| Indiana | Auto-Owners | $4,526 | $377 |
| Indiana | Erie Insurance | $2,921 | $243 |
| Indiana | USAA | $2,487 | $207 |
| Indiana | Indiana Farmers Insurance | $2,061 | $172 |
| Kansas | State Farm | $3,963 | $330 |
| Kansas | Farmers | $3,982 | $332 |
| Kansas | Allstate | $3,864 | $322 |
| Kansas | Nationwide | $6,646 | $554 |
| Kansas | American Family | $6,407 | $534 |
| Kansas | Iowa Farm Bureau | $7,892 | $658 |
| Kansas | Shelter Insurance | $3,998 | $333 |
| Kentucky | State Farm | $2,796 | $233 |
| Kentucky | Auto-Owners | $4,379 | $365 |
| Kentucky | Progressive | $3,491 | $291 |
| Kentucky | Cincinnati Insurance | $2,831 | $236 |
| Kentucky | Grange Insurance | $5,860 | $488 |
| Kentucky | Kentucky Farm Bureau | $7,137 | $595 |
| Kentucky | Westfield Insurance | $3,386 | $282 |
| Louisiana | State Farm | $8,070 | $673 |
| Louisiana | Farmers | $2,635 | $220 |
| Louisiana | Allstate | $5,626 | $469 |
| Louisiana | Louisiana Farm Bureau | $9,513 | $793 |
| Massachusetts | State Farm | $1,256 | $105 |
| Massachusetts | Allstate | $3,893 | $324 |
| Massachusetts | Travelers | $1,358 | $113 |
| Massachusetts | USAA | $1,068 | $89 |
| Massachusetts | Amica | $1,741 | $145 |
| Massachusetts | Andover Insurance | $1,311 | $109 |
| Massachusetts | Arbella Insurance | $1,692 | $141 |
| Massachusetts | Heritage Insurance Holdings | $990 | $82 |
| Massachusetts | Mapfre Insurance | $1,799 | $150 |
| Massachusetts | Safety Insurance | $1,851 | $154 |
| Massachusetts | Vermont Mutual | $1,699 | $142 |
| Maryland | State Farm | $1,318 | $110 |
| Maryland | Allstate | $1,971 | $164 |
| Maryland | Nationwide | $2,558 | $213 |
| Maryland | American Family | $2,158 | $180 |
| Maryland | Travelers | $1,442 | $120 |
| Maryland | Erie Insurance | $1,862 | $155 |
| Maryland | USAA | $1,779 | $148 |
| Maryland | Chubb | $2,350 | $196 |
| Maine | State Farm | $1,430 | $119 |
| Maine | Farmers | $1,483 | $124 |
| Maine | Allstate | $1,011 | $84 |
| Maine | Auto-Owners | $1,066 | $89 |
| Maine | Chubb | $1,352 | $113 |
| Maine | Frankenmuth Insurance | $1,380 | $115 |
| Maine | MMG Insurance | $1,699 | $142 |
| Maine | Quincy Mutual | $1,565 | $130 |
| Maine | The Hanover | $2,252 | $188 |
| Maine | Vermont Mutual | $767 | $64 |
| Michigan | State Farm | $4,909 | $409 |
| Michigan | Farmers | $2,884 | $240 |
| Michigan | Auto-Owners | $2,367 | $197 |
| Michigan | USAA | $2,140 | $178 |
| Michigan | Auto Club Group - ACG (AAA) | $1,726 | $144 |
| Michigan | Frankenmuth Insurance | $1,948 | $162 |
| Michigan | Michigan Farm Bureau | $9,311 | $776 |
| Michigan | The Hanover | $4,571 | $381 |
| Minnesota | State Farm | $3,208 | $267 |
| Minnesota | Farmers | $2,693 | $224 |
| Minnesota | American Family | $3,593 | $299 |
| Minnesota | Auto-Owners | $3,023 | $252 |
| Minnesota | Auto Club Group - ACG (AAA) | $2,077 | $173 |
| Minnesota | Country Financial | $6,368 | $531 |
| Minnesota | North Star Mutual | $2,281 | $190 |
| Minnesota | West Bend Insurance Company | $2,185 | $182 |
| Missouri | State Farm | $3,609 | $301 |
| Missouri | Farmers | $4,173 | $348 |
| Missouri | Allstate | $2,849 | $237 |
| Missouri | Nationwide | $3,221 | $268 |
| Missouri | American Family | $5,917 | $493 |
| Missouri | Shelter Insurance | $4,063 | $339 |
| Mississippi | State Farm | $3,876 | $323 |
| Mississippi | Farmers | $3,151 | $263 |
| Mississippi | Allstate | $2,898 | $241 |
| Mississippi | Nationwide | $3,101 | $258 |
| Mississippi | Travelers | $3,056 | $255 |
| Mississippi | USAA | $1,802 | $150 |
| Montana | State Farm | $2,799 | $233 |
| Montana | Farmers | $4,133 | $344 |
| Montana | Allstate | $3,043 | $254 |
| Montana | Nationwide | $3,500 | $292 |
| Montana | Travelers | $2,961 | $247 |
| Montana | USAA | $3,425 | $285 |
| Montana | Chubb | $976 | $81 |
| North Carolina | State Farm | $1,212 | $101 |
| North Carolina | Nationwide | $4,763 | $397 |
| North Carolina | Erie Insurance | $5,979 | $498 |
| North Carolina | USAA | $2,836 | $236 |
| North Carolina | North Carolina Farm Bureau | $1,957 | $163 |
| North Dakota | State Farm | $3,165 | $264 |
| North Dakota | Farmers | $2,966 | $247 |
| North Dakota | Allstate | $2,647 | $221 |
| North Dakota | American Family | $3,448 | $287 |
| North Dakota | Auto-Owners | $4,499 | $375 |
| North Dakota | Agraria Mutual | $2,300 | $192 |
| North Dakota | Country Financial | $3,198 | $267 |
| North Dakota | Nodak Insurance | $2,467 | $206 |
| North Dakota | North Star Mutual | $2,173 | $181 |
| Nebraska | State Farm | $4,403 | $367 |
| Nebraska | Farmers | $4,137 | $345 |
| Nebraska | Allstate | $4,849 | $404 |
| Nebraska | Nationwide | $5,330 | $444 |
| Nebraska | American Family | $5,015 | $418 |
| Nebraska | Travelers | $5,041 | $420 |
| Nebraska | USAA | $2,301 | $192 |
| Nebraska | Farmers Mutual of Nebraska | $5,057 | $421 |
| Nebraska | Iowa Farm Bureau | $10,820 | $902 |
| New Hampshire | State Farm | $1,237 | $103 |
| New Hampshire | Allstate | $981 | $82 |
| New Hampshire | Nationwide | $1,786 | $149 |
| New Hampshire | Auto-Owners | $1,307 | $109 |
| New Hampshire | USAA | $1,366 | $114 |
| New Hampshire | Amica | $815 | $68 |
| New Hampshire | MMG Insurance | $1,876 | $156 |
| New Hampshire | Vermont Mutual | $835 | $70 |
| New Jersey | State Farm | $1,873 | $156 |
| New Jersey | Farmers | $1,444 | $120 |
| New Jersey | USAA | $1,434 | $120 |
| New Jersey | Chubb | $1,354 | $113 |
| New Jersey | Franklin Mutual | $1,142 | $95 |
| New Jersey | Heritage Insurance Holdings | $2,043 | $170 |
| New Jersey | National General | $1,036 | $86 |
| New Jersey | NJM | $1,201 | $100 |
| New Jersey | Plymouth Rock Assurance | $1,466 | $122 |
| New Mexico | State Farm | $1,937 | $161 |
| New Mexico | Farmers | $3,336 | $278 |
| Nevada | State Farm | $1,345 | $112 |
| Nevada | Farmers | $1,992 | $166 |
| Nevada | Nationwide | $1,355 | $113 |
| Nevada | American Family | $2,290 | $191 |
| Nevada | USAA | $1,582 | $132 |
| Nevada | Country Financial | $2,076 | $173 |
| Nevada | CSAA Insurance (AAA) | $2,022 | $168 |
| New York | State Farm | $1,296 | $108 |
| New York | Farmers | $3,043 | $254 |
| New York | Allstate | $2,123 | $177 |
| New York | Nationwide | $1,547 | $129 |
| New York | American Family | $1,093 | $91 |
| New York | Travelers | $1,733 | $144 |
| New York | AIG | $1,845 | $154 |
| New York | Chubb | $2,120 | $177 |
| New York | Heritage Insurance Holdings | $2,065 | $172 |
| New York | NYCM Insurance | $1,265 | $105 |
| Ohio | State Farm | $1,800 | $150 |
| Ohio | Farmers | $1,977 | $165 |
| Ohio | Allstate | $1,847 | $154 |
| Ohio | Nationwide | $2,560 | $213 |
| Ohio | American Family | $2,829 | $236 |
| Ohio | Travelers | $2,473 | $206 |
| Ohio | Auto-Owners | $2,101 | $175 |
| Ohio | Erie Insurance | $2,485 | $207 |
| Ohio | USAA | $1,695 | $141 |
| Ohio | Grange Insurance | $3,342 | $279 |
| Oklahoma | State Farm | $3,817 | $318 |
| Oklahoma | Farmers | $9,432 | $786 |
| Oklahoma | Allstate | $3,736 | $311 |
| Oklahoma | USAA | $4,417 | $368 |
| Oklahoma | Oklahoma Farm Bureau | $6,784 | $565 |
| Oklahoma | Shelter Insurance | $6,672 | $556 |
| Oregon | State Farm | $1,029 | $86 |
| Oregon | Farmers | $1,860 | $155 |
| Oregon | Allstate | $1,615 | $135 |
| Oregon | Nationwide | $1,678 | $140 |
| Oregon | American Family | $1,613 | $134 |
| Oregon | USAA | $1,246 | $104 |
| Oregon | Country Financial | $2,725 | $227 |
| Pennsylvania | State Farm | $1,582 | $132 |
| Pennsylvania | Farmers | $1,774 | $148 |
| Pennsylvania | Allstate | $1,218 | $101 |
| Pennsylvania | Nationwide | $1,741 | $145 |
| Pennsylvania | Travelers | $1,414 | $118 |
| Pennsylvania | Erie Insurance | $1,521 | $127 |
| Pennsylvania | USAA | $1,437 | $120 |
| Rhode Island | State Farm | $1,396 | $116 |
| Rhode Island | Farmers | $2,824 | $235 |
| Rhode Island | Allstate | $2,707 | $226 |
| Rhode Island | Nationwide | $2,418 | $201 |
| Rhode Island | AIG | $2,832 | $236 |
| Rhode Island | Amica | $1,728 | $144 |
| Rhode Island | Andover Insurance | $3,270 | $273 |
| Rhode Island | Heritage Insurance Holdings | $2,819 | $235 |
| Rhode Island | PURE | $2,022 | $169 |
| South Carolina | State Farm | $2,048 | $171 |
| South Carolina | Farmers | $3,420 | $285 |
| South Carolina | Allstate | $2,490 | $208 |
| South Carolina | Travelers | $5,433 | $453 |
| South Carolina | Auto-Owners | $4,265 | $355 |
| South Carolina | Progressive | $1,858 | $155 |
| South Carolina | USAA | $2,374 | $198 |
| South Carolina | South Carolina Farm Bureau Mutual | $3,847 | $321 |
| South Dakota | State Farm | $2,956 | $246 |
| South Dakota | Farmers | $3,829 | $319 |
| South Dakota | Allstate | $2,694 | $225 |
| South Dakota | Nationwide | $4,655 | $388 |
| South Dakota | American Family | $3,529 | $294 |
| South Dakota | Auto-Owners | $4,143 | $345 |
| South Dakota | USAA | $3,762 | $314 |
| South Dakota | Farmers Mutual of Nebraska | $2,933 | $244 |
| South Dakota | Iowa Farm Bureau | $6,287 | $524 |
| South Dakota | North Star Mutual | $2,836 | $236 |
| Tennessee | State Farm | $2,649 | $221 |
| Tennessee | Farmers | $3,657 | $305 |
| Tennessee | Travelers | $3,503 | $292 |
| Tennessee | Auto-Owners | $3,028 | $252 |
| Tennessee | Erie Insurance | $3,659 | $305 |
| Tennessee | USAA | $2,123 | $177 |
| Tennessee | Farm Bureau Insurance of Tennessee | $2,595 | $216 |
| Texas | State Farm | $5,100 | $425 |
| Texas | Farmers | $4,069 | $339 |
| Texas | Nationwide | $5,268 | $439 |
| Texas | Progressive | $4,898 | $408 |
| Texas | USAA | $3,233 | $269 |
| Utah | State Farm | $1,629 | $136 |
| Utah | Farmers | $1,696 | $141 |
| Utah | Nationwide | $2,037 | $170 |
| Utah | American Family | $1,549 | $129 |
| Utah | Auto-Owners | $3,563 | $297 |
| Utah | USAA | $1,522 | $127 |
| Virginia | State Farm | $2,177 | $181 |
| Virginia | Farmers | $2,440 | $203 |
| Virginia | Allstate | $2,104 | $175 |
| Virginia | Nationwide | $2,377 | $198 |
| Virginia | American Family | $1,054 | $88 |
| Virginia | Travelers | $2,044 | $170 |
| Virginia | Erie Insurance | $2,561 | $213 |
| Virginia | Progressive | $2,459 | $205 |
| Virginia | Virginia Farm Bureau | $1,369 | $114 |
| Vermont | State Farm | $1,259 | $105 |
| Vermont | Farmers | $1,352 | $113 |
| Vermont | Allstate | $950 | $79 |
| Vermont | Travelers | $1,199 | $100 |
| Vermont | Auto-Owners | $919 | $77 |
| Vermont | USAA | $1,008 | $84 |
| Vermont | Co-operative Insurance Companies | $1,292 | $108 |
| Vermont | Union Mutual | $1,114 | $93 |
| Vermont | Vermont Mutual | $773 | $64 |
| Washington | State Farm | $1,663 | $139 |
| Washington | Farmers | $1,989 | $166 |
| Washington | Allstate | $1,561 | $130 |
| Washington | Nationwide | $1,313 | $109 |
| Washington | USAA | $1,935 | $161 |
| Washington | PEMCO | $1,450 | $121 |
| Wisconsin | State Farm | $2,083 | $174 |
| Wisconsin | Farmers | $1,694 | $141 |
| Wisconsin | Allstate | $1,531 | $128 |
| Wisconsin | Nationwide | $2,234 | $186 |
| Wisconsin | American Family | $3,096 | $258 |
| Wisconsin | Auto-Owners | $1,579 | $132 |
| Wisconsin | USAA | $1,746 | $145 |
| Wisconsin | Acuity Insurance | $2,239 | $187 |
| Wisconsin | Secura Insurance | $1,324 | $110 |
| Wisconsin | West Bend Insurance Company | $1,464 | $122 |
| West Virginia | State Farm | $1,780 | $148 |
| West Virginia | Allstate | $1,959 | $163 |
| West Virginia | Nationwide | $1,574 | $131 |
| West Virginia | Erie Insurance | $2,148 | $179 |
| West Virginia | Progressive | $3,007 | $251 |
| West Virginia | USAA | $1,042 | $87 |
| West Virginia | Westfield Insurance | $2,188 | $182 |
| Wyoming | State Farm | $1,724 | $144 |
| Wyoming | Farmers | $2,299 | $192 |
| Wyoming | Allstate | $2,840 | $237 |
| Wyoming | USAA | $1,436 | $120 |
Average homeowners insurance rates by state and city
The city you live in will also impact what you pay for homeowners insurance. Even within a state, rates differ because risks differ. Here's a look at home insurance rates in major cities within each state.
| State | City | Average annual premium | Average monthly premium |
|---|---|---|---|
| Alaska | Anchorage | $1,216 | $101 |
| Alaska | Bethel | $1,392 | $116 |
| Alaska | Fairbanks | $1,515 | $126 |
| Alaska | Homer | $1,233 | $103 |
| Alaska | Juneau | $1,127 | $94 |
| Alaska | Kenai | $1,178 | $98 |
| Alaska | Ketchikan | $1,034 | $86 |
| Alaska | Palmer | $1,231 | $103 |
| Alaska | Sitka | $997 | $83 |
| Alaska | Wasilla | $1,232 | $103 |
| Alabama | Auburn | $3,028 | $252 |
| Alabama | Birmingham | $3,412 | $284 |
| Alabama | Decatur | $3,568 | $297 |
| Alabama | Dothan | $3,439 | $287 |
| Alabama | Hoover | $3,171 | $264 |
| Alabama | Huntsville | $3,476 | $290 |
| Alabama | Madison | $3,482 | $290 |
| Alabama | Mobile | $4,607 | $384 |
| Alabama | Montgomery | $2,983 | $249 |
| Alabama | Tuscaloosa | $3,391 | $283 |
| Arkansas | Bentonville | $3,491 | $291 |
| Arkansas | Conway | $3,317 | $276 |
| Arkansas | Fayetteville | $3,178 | $265 |
| Arkansas | Fort Smith | $3,634 | $303 |
| Arkansas | Jonesboro | $3,648 | $304 |
| Arkansas | Little Rock | $3,229 | $269 |
| Arkansas | North Little Rock | $2,929 | $244 |
| Arkansas | Pine Bluff | $3,155 | $263 |
| Arkansas | Rogers | $3,101 | $258 |
| Arkansas | Springdale | $3,139 | $262 |
| Arizona | Chandler | $2,300 | $192 |
| Arizona | Gilbert | $2,192 | $183 |
| Arizona | Glendale | $2,249 | $187 |
| Arizona | Mesa | $2,418 | $202 |
| Arizona | Peoria | $2,227 | $186 |
| Arizona | Phoenix | $2,644 | $220 |
| Arizona | Scottsdale | $2,594 | $216 |
| Arizona | Surprise | $2,038 | $170 |
| Arizona | Tempe | $2,532 | $211 |
| Arizona | Tucson | $2,195 | $183 |
| California | Anaheim | $1,594 | $133 |
| California | Bakersfield | $1,437 | $120 |
| California | Fresno | $1,396 | $116 |
| California | Long Beach | $1,591 | $133 |
| California | Los Angeles | $1,876 | $156 |
| California | Oakland | $1,498 | $125 |
| California | Sacramento | $1,329 | $111 |
| California | San Diego | $1,546 | $129 |
| California | San Francisco | $1,298 | $108 |
| California | San Jose | $1,262 | $105 |
| Colorado | Arvada | $5,377 | $448 |
| Colorado | Aurora | $5,757 | $480 |
| Colorado | Colorado Springs | $5,819 | $485 |
| Colorado | Denver | $5,895 | $491 |
| Colorado | Fort Collins | $4,874 | $406 |
| Colorado | Greeley | $6,262 | $522 |
| Colorado | Lakewood | $5,392 | $449 |
| Colorado | Pueblo | $6,366 | $530 |
| Colorado | Thornton | $5,252 | $438 |
| Colorado | Westminster | $5,181 | $432 |
| Connecticut | Bridgeport | $2,291 | $191 |
| Connecticut | Bristol | $1,754 | $146 |
| Connecticut | Danbury | $1,513 | $126 |
| Connecticut | Hartford | $1,907 | $159 |
| Connecticut | Meriden | $2,000 | $167 |
| Connecticut | New Britain | $1,805 | $150 |
| Connecticut | New Haven | $2,445 | $204 |
| Connecticut | Norwalk | $2,205 | $184 |
| Connecticut | Stamford | $1,995 | $166 |
| Connecticut | Waterbury | $1,950 | $163 |
| Delaware | Dover | $1,275 | $106 |
| Delaware | Georgetown | $1,535 | $128 |
| Delaware | Middletown | $1,200 | $100 |
| Delaware | Milford | $1,368 | $114 |
| Delaware | Millsboro | $1,892 | $158 |
| Delaware | Newark | $1,175 | $98 |
| Delaware | Seaford | $1,408 | $117 |
| Delaware | Smyrna | $1,210 | $101 |
| Delaware | Wilmington | $1,191 | $99 |
| Florida | Cape Coral | $6,622 | $552 |
| Florida | Fort Lauderdale | $11,903 | $992 |
| Florida | Hialeah | $14,875 | $1,240 |
| Florida | Jacksonville | $4,755 | $396 |
| Florida | Miami | $12,199 | $1,017 |
| Florida | Orlando | $6,449 | $537 |
| Florida | Port St. Lucie | $7,922 | $660 |
| Florida | St. Petersburg | $5,587 | $466 |
| Florida | Tallahassee | $4,187 | $349 |
| Florida | Tampa | $5,952 | $496 |
| Georgia | Athens | $2,039 | $170 |
| Georgia | Atlanta | $2,496 | $208 |
| Georgia | Augusta | $2,219 | $185 |
| Georgia | Columbus | $2,349 | $196 |
| Georgia | Johns Creek | $2,253 | $188 |
| Georgia | Macon | $2,335 | $195 |
| Georgia | Roswell | $2,197 | $183 |
| Georgia | Sandy Springs | $2,317 | $193 |
| Georgia | Savannah | $2,917 | $243 |
| Hawaii | Ewa Gentry | $660 | $55 |
| Hawaii | Hilo | $659 | $55 |
| Hawaii | Honolulu | $655 | $55 |
| Hawaii | Kahului | $659 | $55 |
| Hawaii | Kailua | $659 | $55 |
| Hawaii | Kaneohe | $660 | $55 |
| Hawaii | Kapolei | $660 | $55 |
| Hawaii | Mililani Town | $660 | $55 |
| Hawaii | Pearl City | $660 | $55 |
| Hawaii | Waipahu | $660 | $55 |
| Iowa | Ames | $2,784 | $232 |
| Iowa | Ankeny | $2,867 | $239 |
| Iowa | Cedar Rapids | $2,785 | $232 |
| Iowa | Council Bluffs | $3,507 | $292 |
| Iowa | Davenport | $2,688 | $224 |
| Iowa | Des Moines | $2,838 | $236 |
| Iowa | Iowa City | $2,864 | $239 |
| Iowa | Sioux City | $3,226 | $269 |
| Iowa | Waterloo | $2,913 | $243 |
| Iowa | West Des Moines | $2,945 | $245 |
| Idaho | Boise City | $2,077 | $173 |
| Idaho | Caldwell | $2,200 | $183 |
| Idaho | Coeur d'Alene | $2,038 | $170 |
| Idaho | Idaho Falls | $2,277 | $190 |
| Idaho | Meridian | $2,007 | $167 |
| Idaho | Nampa | $2,160 | $180 |
| Idaho | Pocatello | $2,128 | $177 |
| Idaho | Post Falls | $2,014 | $168 |
| Idaho | Rexburg | $2,267 | $189 |
| Idaho | Twin Falls | $2,078 | $173 |
| Illinois | Aurora | $2,358 | $197 |
| Illinois | Champaign | $2,204 | $184 |
| Illinois | Chicago | $3,332 | $278 |
| Illinois | Elgin | $2,408 | $201 |
| Illinois | Joliet | $2,683 | $224 |
| Illinois | Naperville | $2,385 | $199 |
| Illinois | Peoria | $2,480 | $207 |
| Illinois | Rockford | $2,291 | $191 |
| Illinois | Springfield | $2,290 | $191 |
| Illinois | Waukegan | $2,671 | $223 |
| Indiana | Bloomington | $2,736 | $228 |
| Indiana | Carmel | $2,941 | $245 |
| Indiana | Evansville | $3,077 | $256 |
| Indiana | Fishers | $2,908 | $242 |
| Indiana | Fort Wayne | $2,439 | $203 |
| Indiana | Hammond | $2,713 | $226 |
| Indiana | Indianapolis | $3,035 | $253 |
| Indiana | Lafayette | $2,666 | $222 |
| Indiana | Noblesville | $2,923 | $244 |
| Indiana | South Bend | $2,609 | $217 |
| Kansas | Kansas City | $4,277 | $356 |
| Kansas | Lawrence | $4,212 | $351 |
| Kansas | Lenexa | $4,130 | $344 |
| Kansas | Manhattan | $4,999 | $417 |
| Kansas | Olathe | $4,138 | $345 |
| Kansas | Overland Park | $4,175 | $348 |
| Kansas | Salina | $5,186 | $432 |
| Kansas | Shawnee | $4,173 | $348 |
| Kansas | Topeka | $4,691 | $391 |
| Kansas | Wichita | $6,251 | $521 |
| Kentucky | Bowling Green | $3,491 | $291 |
| Kentucky | Covington | $2,794 | $233 |
| Kentucky | Elizabethtown | $3,277 | $273 |
| Kentucky | Florence | $2,734 | $228 |
| Kentucky | Georgetown | $2,804 | $234 |
| Kentucky | Jeffersontown | $3,235 | $270 |
| Kentucky | Jeffersonville | $3,298 | $275 |
| Kentucky | Lexington | $2,784 | $232 |
| Kentucky | Louisville | $3,541 | $295 |
| Kentucky | Nicholasville | $2,801 | $233 |
| Kentucky | Owensboro | $3,255 | $271 |
| Kentucky | Richmond | $2,813 | $234 |
| Louisiana | Alexandria | $4,630 | $386 |
| Louisiana | Baton Rouge | $5,682 | $473 |
| Louisiana | Bossier City | $5,047 | $421 |
| Louisiana | Houma | $7,301 | $608 |
| Louisiana | Kenner | $6,585 | $549 |
| Louisiana | Lafayette | $6,744 | $562 |
| Louisiana | Lake Charles | $7,122 | $593 |
| Louisiana | Monroe | $4,969 | $414 |
| Louisiana | New Orleans | $6,126 | $511 |
| Louisiana | Shreveport | $4,915 | $410 |
| Massachusetts | Boston | $1,493 | $124 |
| Massachusetts | Brockton | $2,013 | $168 |
| Massachusetts | Cambridge | $1,288 | $107 |
| Massachusetts | Fall River | $1,656 | $138 |
| Massachusetts | Lowell | $1,435 | $120 |
| Massachusetts | Lynn | $1,702 | $142 |
| Massachusetts | New Bedford | $1,823 | $152 |
| Massachusetts | Quincy | $1,364 | $114 |
| Massachusetts | Springfield | $1,701 | $142 |
| Massachusetts | Worcester | $1,540 | $128 |
| Maryland | Annapolis | $1,797 | $150 |
| Maryland | Baltimore | $2,164 | $180 |
| Maryland | Bowie | $1,993 | $166 |
| Maryland | College Park | $1,886 | $157 |
| Maryland | Frederick | $1,708 | $142 |
| Maryland | Gaithersburg | $1,629 | $136 |
| Maryland | Hagerstown | $1,696 | $141 |
| Maryland | Laurel | $1,832 | $153 |
| Maryland | Rockville | $1,609 | $134 |
| Maryland | Salisbury | $2,151 | $179 |
| Maine | Auburn | $1,196 | $100 |
| Maine | Augusta | $1,280 | $107 |
| Maine | Bangor | $1,421 | $118 |
| Maine | Biddeford | $1,485 | $124 |
| Maine | Lewiston | $1,263 | $105 |
| Maine | Portland | $1,464 | $122 |
| Maine | Saco | $1,520 | $127 |
| Maine | Sanford | $1,446 | $121 |
| Maine | South Portland | $1,386 | $116 |
| Maine | Westbrook | $1,368 | $114 |
| Michigan | Ann Arbor | $2,807 | $234 |
| Michigan | Dearborn | $3,782 | $315 |
| Michigan | Detroit | $5,100 | $425 |
| Michigan | Grand Rapids | $2,540 | $212 |
| Michigan | Lansing | $2,776 | $231 |
| Michigan | Livonia | $3,006 | $250 |
| Michigan | Sterling Heights | $3,071 | $256 |
| Michigan | Troy | $2,899 | $242 |
| Michigan | Warren | $3,430 | $286 |
| Michigan | Westland | $3,303 | $275 |
| Minnesota | Blaine | $2,936 | $245 |
| Minnesota | Bloomington | $3,111 | $259 |
| Minnesota | Brooklyn Park | $3,005 | $250 |
| Minnesota | Duluth | $2,390 | $199 |
| Minnesota | Lakeville | $2,868 | $239 |
| Minnesota | Minneapolis | $3,349 | $279 |
| Minnesota | Plymouth | $2,990 | $249 |
| Minnesota | Rochester | $2,574 | $214 |
| Minnesota | St. Paul | $3,050 | $254 |
| Minnesota | Woodbury | $2,947 | $246 |
| Missouri | Blue Springs | $4,527 | $377 |
| Missouri | Columbia | $4,120 | $343 |
| Missouri | Independence | $4,607 | $384 |
| Missouri | Kansas City | $4,555 | $380 |
| Missouri | Lee's Summit | $4,499 | $375 |
| Missouri | O'Fallon | $3,662 | $305 |
| Missouri | Springfield | $3,758 | $313 |
| Missouri | St. Charles | $3,722 | $310 |
| Missouri | St. Joseph | $4,555 | $380 |
| Missouri | St. Louis | $3,923 | $327 |
| Mississippi | Biloxi | $5,038 | $420 |
| Mississippi | Greenville | $2,391 | $199 |
| Mississippi | Gulfport | $4,860 | $405 |
| Mississippi | Hattiesburg | $2,651 | $221 |
| Mississippi | Jackson | $2,587 | $216 |
| Mississippi | Madison | $2,377 | $198 |
| Mississippi | Meridian | $2,227 | $186 |
| Mississippi | Olive Branch | $2,305 | $192 |
| Mississippi | Southaven | $2,221 | $185 |
| Mississippi | Tupelo | $2,191 | $183 |
| Montana | Anaconda-Deer Lodge County | $2,826 | $235 |
| Montana | Belgrade | $2,568 | $214 |
| Montana | Billings | $3,685 | $307 |
| Montana | Bozeman | $2,656 | $221 |
| Montana | Butte | $2,675 | $223 |
| Montana | Great Falls | $2,825 | $235 |
| Montana | Havre | $2,935 | $245 |
| Montana | Helena | $2,887 | $241 |
| Montana | Kalispell | $1,984 | $165 |
| Montana | Missoula | $2,592 | $216 |
| North Carolina | Cary | $2,835 | $236 |
| North Carolina | Charlotte | $2,433 | $203 |
| North Carolina | Concord | $2,435 | $203 |
| North Carolina | Durham | $2,729 | $227 |
| North Carolina | Fayetteville | $3,761 | $313 |
| North Carolina | Greensboro | $2,366 | $197 |
| North Carolina | High Point | $2,371 | $198 |
| North Carolina | Raleigh | $2,860 | $238 |
| North Carolina | Wilmington | $7,015 | $585 |
| North Carolina | Winston-Salem | $2,252 | $188 |
| North Dakota | Bismarck | $3,514 | $293 |
| North Dakota | Dickinson | $3,868 | $322 |
| North Dakota | Fargo | $2,687 | $224 |
| North Dakota | Grand Forks | $2,617 | $218 |
| North Dakota | Jamestown | $2,912 | $243 |
| North Dakota | Mandan | $3,524 | $294 |
| North Dakota | Minot | $2,947 | $246 |
| North Dakota | Wahpeton | $2,855 | $238 |
| North Dakota | West Fargo | $2,575 | $215 |
| North Dakota | Williston | $3,025 | $252 |
| Nebraska | Bellevue | $4,000 | $333 |
| Nebraska | Columbus | $4,396 | $366 |
| Nebraska | Fremont | $4,329 | $361 |
| Nebraska | Grand Island | $5,205 | $434 |
| Nebraska | Hastings | $4,805 | $400 |
| Nebraska | Kearney | $5,338 | $445 |
| Nebraska | Lincoln | $4,139 | $345 |
| Nebraska | Norfolk | $4,358 | $363 |
| Nebraska | Omaha | $4,218 | $352 |
| Nebraska | Papillion | $4,006 | $334 |
| New Hampshire | Claremont | $1,293 | $108 |
| New Hampshire | Concord | $1,330 | $111 |
| New Hampshire | Dover | $1,327 | $111 |
| New Hampshire | Keene | $1,253 | $104 |
| New Hampshire | Laconia | $1,338 | $112 |
| New Hampshire | Lebanon | $1,289 | $107 |
| New Hampshire | Manchester | $1,339 | $112 |
| New Hampshire | Nashua | $1,265 | $105 |
| New Hampshire | Portsmouth | $1,391 | $116 |
| New Hampshire | Rochester | $1,340 | $112 |
| New Jersey | Bayonne | $1,424 | $119 |
| New Jersey | Camden | $1,450 | $121 |
| New Jersey | Clifton | $1,239 | $103 |
| New Jersey | East Orange | $1,460 | $122 |
| New Jersey | Elizabeth | $1,448 | $121 |
| New Jersey | Jersey City | $1,550 | $129 |
| New Jersey | Newark | $1,655 | $138 |
| New Jersey | Passaic | $1,353 | $113 |
| New Jersey | Paterson | $1,379 | $115 |
| New Jersey | Trenton | $1,406 | $117 |
| New Mexico | Alamogordo | $2,301 | $192 |
| New Mexico | Albuquerque | $2,450 | $204 |
| New Mexico | Carlsbad | $5,021 | $418 |
| New Mexico | Clovis | $5,835 | $486 |
| New Mexico | Farmington | $2,279 | $190 |
| New Mexico | Hobbs | $5,729 | $477 |
| New Mexico | Las Cruces | $2,044 | $170 |
| New Mexico | Rio Rancho | $2,267 | $189 |
| New Mexico | Roswell | $4,770 | $398 |
| New Mexico | Santa Fe | $2,142 | $178 |
| Nevada | Boulder City | $1,822 | $152 |
| Nevada | Elko | $1,840 | $153 |
| Nevada | Fernley | $1,788 | $149 |
| Nevada | Henderson | $1,859 | $155 |
| Nevada | Las Vegas | $1,801 | $150 |
| Nevada | Mesquite | $1,665 | $139 |
| Nevada | North Las Vegas | $1,737 | $145 |
| Nevada | Reno | $1,705 | $142 |
| Nevada | Sparks | $1,687 | $141 |
| New York | Albany | $1,460 | $122 |
| New York | Buffalo | $1,510 | $126 |
| New York | Mount Vernon | $1,874 | $156 |
| New York | New Rochelle | $1,771 | $148 |
| New York | New York | $2,462 | $205 |
| New York | Rochester | $1,316 | $110 |
| New York | Schenectady | $1,390 | $116 |
| New York | Syracuse | $1,355 | $113 |
| New York | Utica | $1,417 | $118 |
| New York | Yonkers | $1,753 | $146 |
| Ohio | Akron | $1,999 | $167 |
| Ohio | Canton | $1,905 | $159 |
| Ohio | Cincinnati | $2,199 | $183 |
| Ohio | Cleveland | $2,173 | $181 |
| Ohio | Columbus | $2,151 | $179 |
| Ohio | Dayton | $2,327 | $194 |
| Ohio | Hamilton | $2,225 | $185 |
| Ohio | Lorain | $2,096 | $175 |
| Ohio | Parma | $2,018 | $168 |
| Ohio | Toledo | $2,207 | $184 |
| Oklahoma | Broken Arrow | $4,859 | $405 |
| Oklahoma | Edmond | $5,216 | $435 |
| Oklahoma | Enid | $4,825 | $402 |
| Oklahoma | Lawton | $4,903 | $409 |
| Oklahoma | Midwest City | $5,001 | $417 |
| Oklahoma | Moore | $4,972 | $414 |
| Oklahoma | Norman | $4,994 | $416 |
| Oklahoma | Oklahoma City | $5,107 | $426 |
| Oklahoma | Stillwater | $4,662 | $388 |
| Oklahoma | Tulsa | $4,856 | $405 |
| Oregon | Beaverton | $1,274 | $106 |
| Oregon | Bend | $1,802 | $150 |
| Oregon | Corvallis | $1,291 | $108 |
| Oregon | Eugene | $1,400 | $117 |
| Oregon | Gresham | $1,476 | $123 |
| Oregon | Hillsboro | $1,204 | $100 |
| Oregon | Medford | $1,382 | $115 |
| Oregon | Portland | $1,394 | $116 |
| Oregon | Salem | $1,344 | $112 |
| Oregon | Springfield | $1,359 | $113 |
| Pennsylvania | Allentown | $1,559 | $130 |
| Pennsylvania | Bethlehem | $1,513 | $126 |
| Pennsylvania | Erie | $1,448 | $121 |
| Pennsylvania | Harrisburg | $1,434 | $120 |
| Pennsylvania | Lancaster | $1,361 | $113 |
| Pennsylvania | Philadelphia | $2,184 | $182 |
| Pennsylvania | Pittsburgh | $1,442 | $120 |
| Pennsylvania | Reading | $1,473 | $123 |
| Pennsylvania | Scranton | $1,542 | $128 |
| Pennsylvania | York | $1,354 | $113 |
| Rhode Island | Central Falls | $2,461 | $205 |
| Rhode Island | Coventry | $2,363 | $197 |
| Rhode Island | Cranston | $2,466 | $206 |
| Rhode Island | Cumberland | $2,302 | $192 |
| Rhode Island | East Providence | $2,402 | $200 |
| Rhode Island | Newport | $2,629 | $219 |
| Rhode Island | Pawtucket | $2,438 | $203 |
| Rhode Island | Providence | $2,573 | $214 |
| Rhode Island | Warwick | $2,486 | $207 |
| Rhode Island | Woonsocket | $2,350 | $196 |
| South Carolina | Charleston | $3,896 | $325 |
| South Carolina | Columbia | $2,644 | $220 |
| South Carolina | Florence | $3,271 | $273 |
| South Carolina | Goose Creek | $3,749 | $312 |
| South Carolina | Greenville | $2,274 | $190 |
| South Carolina | Mount Pleasant | $4,227 | $352 |
| South Carolina | North Charleston | $3,715 | $310 |
| South Carolina | Rock Hill | $2,239 | $187 |
| South Carolina | Summerville | $3,523 | $294 |
| South Carolina | Sumter | $3,157 | $263 |
| South Dakota | Aberdeen | $3,196 | $266 |
| South Dakota | Brookings | $3,565 | $297 |
| South Dakota | Huron | $3,640 | $303 |
| South Dakota | Mitchell | $4,147 | $346 |
| South Dakota | Pierre | $3,225 | $269 |
| South Dakota | Rapid City | $4,558 | $380 |
| South Dakota | Sioux Falls | $3,716 | $310 |
| South Dakota | Spearfish | $4,205 | $350 |
| South Dakota | Watertown | $3,252 | $271 |
| South Dakota | Yankton | $4,454 | $371 |
| Tennessee | Chattanooga | $2,669 | $222 |
| Tennessee | Clarksville | $2,652 | $221 |
| Tennessee | Franklin | $2,545 | $212 |
| Tennessee | Hendersonville | $2,573 | $214 |
| Tennessee | Jackson | $3,155 | $263 |
| Tennessee | Johnson City | $2,203 | $184 |
| Tennessee | Knoxville | $2,438 | $203 |
| Tennessee | Memphis | $3,768 | $314 |
| Tennessee | Murfreesboro | $2,835 | $236 |
| Tennessee | Nashville | $2,721 | $227 |
| Texas | Arlington | $4,486 | $374 |
| Texas | Austin | $2,822 | $235 |
| Texas | Corpus Christi | $3,751 | $313 |
| Texas | Dallas | $4,362 | $363 |
| Texas | El Paso | $2,616 | $218 |
| Texas | Fort Worth | $4,422 | $369 |
| Texas | Houston | $5,539 | $462 |
| Texas | Lubbock | $4,289 | $357 |
| Texas | Plano | $4,310 | $359 |
| Texas | San Antonio | $2,945 | $245 |
| Utah | Layton | $2,111 | $176 |
| Utah | Ogden | $1,980 | $165 |
| Utah | Orem | $1,847 | $154 |
| Utah | Provo | $1,746 | $146 |
| Utah | Salt Lake City | $1,768 | $147 |
| Utah | Sandy | $1,772 | $148 |
| Utah | South Jordan | $1,718 | $143 |
| Utah | St. George | $1,705 | $142 |
| Utah | West Jordan | $1,748 | $146 |
| Utah | West Valley City | $1,769 | $147 |
| Virginia | Alexandria | $1,714 | $143 |
| Virginia | Chesapeake | $2,685 | $224 |
| Virginia | Hampton | $2,938 | $245 |
| Virginia | Newport News | $2,593 | $216 |
| Virginia | Norfolk | $2,866 | $239 |
| Virginia | Portsmouth | $2,643 | $220 |
| Virginia | Richmond | $1,903 | $159 |
| Virginia | Roanoke | $1,655 | $138 |
| Virginia | Suffolk | $2,838 | $237 |
| Virginia | Virginia Beach | $3,498 | $291 |
| Vermont | Barre | $1,000 | $83 |
| Vermont | Bellows Falls | $1,076 | $90 |
| Vermont | Burlington | $994 | $83 |
| Vermont | Essex Junction | $992 | $83 |
| Vermont | Montpelier | $1,031 | $86 |
| Vermont | Newport | $1,082 | $90 |
| Vermont | Rutland | $1,064 | $89 |
| Vermont | South Burlington | $978 | $81 |
| Vermont | St. Albans | $1,043 | $87 |
| Vermont | Winooski | $963 | $80 |
| Washington | Bellevue | $1,615 | $135 |
| Washington | Everett | $1,669 | $139 |
| Washington | Federal Way | $1,646 | $137 |
| Washington | Kent | $1,646 | $137 |
| Washington | Renton | $1,655 | $138 |
| Washington | Seattle | $1,608 | $134 |
| Washington | Spokane | $1,688 | $141 |
| Washington | Spokane Valley | $1,683 | $140 |
| Washington | Tacoma | $1,753 | $146 |
| Washington | Vancouver | $1,650 | $138 |
| Wisconsin | Appleton | $1,600 | $133 |
| Wisconsin | Eau Claire | $1,902 | $158 |
| Wisconsin | Green Bay | $1,672 | $139 |
| Wisconsin | Janesville | $1,710 | $143 |
| Wisconsin | Kenosha | $1,750 | $146 |
| Wisconsin | Madison | $1,697 | $141 |
| Wisconsin | Milwaukee | $1,896 | $158 |
| Wisconsin | Oshkosh | $1,623 | $135 |
| Wisconsin | Racine | $1,761 | $147 |
| Wisconsin | Waukesha | $1,805 | $150 |
| West Virginia | Beckley | $1,706 | $142 |
| West Virginia | Charleston | $1,709 | $142 |
| West Virginia | Clarksburg | $1,459 | $122 |
| West Virginia | Huntington | $2,129 | $177 |
| West Virginia | Martinsburg | $1,680 | $140 |
| West Virginia | Morgantown | $1,536 | $128 |
| West Virginia | Parkersburg | $1,631 | $136 |
| West Virginia | Weirton | $1,572 | $131 |
| West Virginia | Wheeling | $1,563 | $130 |
| Wyoming | Casper | $2,401 | $200 |
| Wyoming | Cheyenne | $2,686 | $224 |
| Wyoming | Evanston | $1,662 | $138 |
| Wyoming | Gillette | $2,448 | $204 |
| Wyoming | Green River | $1,662 | $138 |
| Wyoming | Jackson | $1,718 | $143 |
| Wyoming | Laramie | $2,006 | $167 |
| Wyoming | Riverton | $1,702 | $142 |
| Wyoming | Rock Springs | $1,662 | $138 |
| Wyoming | Sheridan | $2,187 | $182 |
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 insurance on a $200k home
Homeowners in Florida 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 $500 a year for the same coverage limits. Below, you'll see how much homeowners is on a $200,000 home in each state.
| State | Average rate | $ more or less than national average ($1,920) | % difference from national average ($1,920) |
|---|---|---|---|
| Alaska | $1,094 | $826 less | 43% less |
| Alabama | $2,747 | $827 more | 43% more |
| Arkansas | $2,914 | $994 more | 52% more |
| Arizona | $1,821 | $99 less | 5% less |
| California | $1,214 | $706 less | 37% less |
| Colorado | $3,645 | $1,725 more | 90% more |
| Connecticut | $1,444 | $476 less | 25% less |
| Washington, D.C. | $1,160 | $760 less | 40% less |
| Delaware | $1,070 | $850 less | 44% less |
| Florida | $5,276 | $3,356 more | 175% more |
| Georgia | $1,789 | $131 less | 7% less |
| Hawaii | $500 | $1,420 less | 74% less |
| Iowa | $2,214 | $294 more | 15% more |
| Idaho | $1,680 | $240 less | 13% less |
| Illinois | $2,050 | $130 more | 7% more |
| Indiana | $2,213 | $293 more | 15% more |
| Kansas | $3,823 | $1,903 more | 99% more |
| Kentucky | $3,163 | $1,243 more | 65% more |
| Louisiana | $4,377 | $2,457 more | 128% more |
| Massachusetts | $1,158 | $762 less | 40% less |
| Maryland | $1,487 | $433 less | 23% less |
| Maine | $990 | $930 less | 48% less |
| Michigan | $2,249 | $329 more | 17% more |
| Minnesota | $1,992 | $72 more | 4% more |
| Missouri | $3,059 | $1,139 more | 59% more |
| Mississippi | $1,975 | $55 more | 3% more |
| Montana | $2,414 | $494 more | 26% more |
| North Carolina | $1,972 | $52 more | 3% more |
| North Dakota | $2,333 | $413 more | 22% more |
| Nebraska | $3,548 | $1,628 more | 85% more |
| New Hampshire | $998 | $922 less | 48% less |
| New Jersey | $1,047 | $873 less | 45% less |
| New Mexico | $1,982 | $62 more | 3% more |
| Nevada | $1,327 | $593 less | 31% less |
| New York | $1,248 | $672 less | 35% less |
| Ohio | $1,694 | $226 less | 12% less |
| Oklahoma | $3,513 | $1,593 more | 83% more |
| Oregon | $1,223 | $697 less | 36% less |
| Pennsylvania | $1,164 | $756 less | 39% less |
| Rhode Island | $1,832 | $88 less | 5% less |
| South Carolina | $2,170 | $250 more | 13% more |
| South Dakota | $2,831 | $911 more | 47% more |
| Tennessee | $2,209 | $289 more | 15% more |
| Texas | $3,118 | $1,198 more | 62% more |
| Utah | $1,392 | $528 less | 28% less |
| Virginia | $1,671 | $249 less | 13% less |
| Vermont | $819 | $1,101 less | 57% less |
| Washington | $1,377 | $543 less | 28% less |
| Wisconsin | $1,365 | $555 less | 29% less |
| West Virginia | $1,479 | $441 less | 23% less |
| Wyoming | $1,470 | $450 less | 23% less |
Homeowners insurance on a $300k home
For a homeowners insurance policy with $300,000 in dwelling coverage, Florida has the highest rate at $7,136 and Hawaii has the lowest rate at $659 based on a 2025 analysis by Insurance.com.
| State | Average rate | $ more or less than the national avg ($2,543) | % difference from national average ($2,543) |
|---|---|---|---|
| Alaska | $1,397 | $1,146 less | 45% less |
| Alabama | $3,633 | $1,090 more | 43% more |
| Arkansas | $3,733 | $1,190 more | 47% more |
| Arizona | $2,344 | $199 less | 8% less |
| California | $1,616 | $927 less | 36% less |
| Colorado | $4,963 | $2,420 more | 95% more |
| Connecticut | $1,905 | $638 less | 25% less |
| Washington, D.C. | $1,656 | $887 less | 35% less |
| Delaware | $1,374 | $1,169 less | 46% less |
| Florida | $7,136 | $4,593 more | 181% more |
| Georgia | $2,323 | $220 less | 9% less |
| Hawaii | $659 | $1,884 less | 74% less |
| Iowa | $2,902 | $359 more | 14% more |
| Idaho | $2,240 | $303 less | 12% less |
| Illinois | $2,643 | $100 more | 4% more |
| Indiana | $2,887 | $344 more | 14% more |
| Kansas | $5,260 | $2,717 more | 107% more |
| Kentucky | $4,042 | $1,499 more | 59% more |
| Louisiana | $5,986 | $3,443 more | 135% more |
| Massachusetts | $1,483 | $1,060 less | 42% less |
| Maryland | $1,918 | $625 less | 25% less |
| Maine | $1,335 | $1,208 less | 48% less |
| Michigan | $2,924 | $381 more | 15% more |
| Minnesota | $2,729 | $186 more | 7% more |
| Missouri | $3,979 | $1,436 more | 56% more |
| Mississippi | $2,529 | $14 less | 1% less |
| Montana | $3,215 | $672 more | 26% more |
| North Carolina | $3,124 | $581 more | 23% more |
| North Dakota | $2,982 | $439 more | 17% more |
| Nebraska | $4,553 | $2,010 more | 79% more |
| New Hampshire | $1,300 | $1,243 less | 49% less |
| New Jersey | $1,421 | $1,122 less | 44% less |
| New Mexico | $2,869 | $326 more | 13% more |
| Nevada | $1,774 | $769 less | 30% less |
| New York | $1,683 | $860 less | 34% less |
| Ohio | $2,118 | $425 less | 17% less |
| Oklahoma | $5,010 | $2,467 more | 97% more |
| Oregon | $1,572 | $971 less | 38% less |
| Pennsylvania | $1,529 | $1,014 less | 40% less |
| Rhode Island | $2,445 | $98 less | 4% less |
| South Carolina | $2,974 | $431 more | 17% more |
| South Dakota | $3,760 | $1,217 more | 48% more |
| Tennessee | $2,958 | $415 more | 16% more |
| Texas | $4,085 | $1,542 more | 61% more |
| Utah | $1,814 | $729 less | 29% less |
| Virginia | $2,074 | $469 less | 18% less |
| Vermont | $1,063 | $1,480 less | 58% less |
| Washington | $1,753 | $790 less | 31% less |
| Wisconsin | $1,812 | $731 less | 29% less |
| West Virginia | $1,860 | $683 less | 27% less |
| Wyoming | $2,075 | $468 less | 18% less |
Homeowners insurance on a $400k home
At $400,000 in coverage, the highest annual average rate is $9,283 in Florida, and the lowest annual average rate is $844 in Hawaii.
Below, you'll see how much homeowners insurance is on a $400,000 house in each state.
| State | Average rate | $ more or less than the national average ($3,158) | % difference from national average ($3,158) |
|---|---|---|---|
| Alaska | $1,686 | $1,472 less | 47% less |
| Alabama | $4,448 | $1,290 more | 41% more |
| Arkansas | $4,540 | $1,382 more | 44% more |
| Arizona | $2,875 | $283 less | 9% less |
| California | $2,034 | $1,124 less | 36% less |
| Colorado | $6,171 | $3,013 more | 95% more |
| Connecticut | $2,381 | $777 less | 25% less |
| Washington, D.C. | $1,999 | $1,159 less | 37% less |
| Delaware | $1,697 | $1,461 less | 46% less |
| Florida | $9,283 | $6,125 more | 194% more |
| Georgia | $2,902 | $256 less | 8% less |
| Hawaii | $844 | $2,314 less | 73% less |
| Iowa | $3,508 | $350 more | 11% more |
| Idaho | $2,799 | $359 less | 11% less |
| Illinois | $3,230 | $72 more | 2% more |
| Indiana | $3,472 | $314 more | 10% more |
| Kansas | $6,753 | $3,595 more | 114% more |
| Kentucky | $4,965 | $1,807 more | 57% more |
| Louisiana | $7,575 | $4,417 more | 140% more |
| Massachusetts | $1,834 | $1,324 less | 42% less |
| Maryland | $2,355 | $803 less | 25% less |
| Maine | $1,685 | $1,473 less | 47% less |
| Michigan | $3,692 | $534 more | 17% more |
| Minnesota | $3,472 | $314 more | 10% more |
| Missouri | $4,836 | $1,678 more | 53% more |
| Mississippi | $3,005 | $153 less | 5% less |
| Montana | $3,937 | $779 more | 25% more |
| North Carolina | $3,904 | $746 more | 24% more |
| North Dakota | $3,677 | $519 more | 16% more |
| Nebraska | $5,465 | $2,307 more | 73% more |
| New Hampshire | $1,596 | $1,562 less | 49% less |
| New Jersey | $1,799 | $1,359 less | 43% less |
| New Mexico | $3,796 | $638 more | 20% more |
| Nevada | $2,206 | $952 less | 30% less |
| New York | $2,139 | $1,019 less | 32% less |
| Ohio | $2,571 | $587 less | 19% less |
| Oklahoma | $6,598 | $3,440 more | 109% more |
| Oregon | $1,958 | $1,200 less | 38% less |
| Pennsylvania | $1,872 | $1,286 less | 41% less |
| Rhode Island | $3,037 | $121 less | 4% less |
| South Carolina | $3,785 | $627 more | 20% more |
| South Dakota | $4,682 | $1,524 more | 48% more |
| Tennessee | $3,700 | $542 more | 17% more |
| Texas | $5,049 | $1,891 more | 60% more |
| Utah | $2,238 | $920 less | 29% less |
| Virginia | $2,508 | $650 less | 21% less |
| Vermont | $1,311 | $1,847 less | 58% less |
| Washington | $2,193 | $965 less | 31% less |
| Wisconsin | $2,234 | $924 less | 29% less |
| West Virginia | $2,205 | $953 less | 30% less |
| Wyoming | $2,730 | $428 less | 14% less |
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.
| State | Average rate | $ more or less than the national average ($4,400) | % difference from national average ($4,400) |
|---|---|---|---|
| Alaska | $2,262 | $2,138 less | 49% less |
| Alabama | $6,090 | $1,690 more | 38% more |
| Arkansas | $6,223 | $1,823 more | 41% more |
| Arizona | $3,985 | $415 less | 9% less |
| California | $2,981 | $1,419 less | 32% less |
| Colorado | $8,213 | $3,813 more | 87% more |
| Connecticut | $3,346 | $1,054 less | 24% less |
| Washington, D.C. | $2,752 | $1,648 less | 37% less |
| Delaware | $2,570 | $1,830 less | 42% less |
| Florida | $13,729 | $9,329 more | 212% more |
| Georgia | $4,152 | $248 less | 6% less |
| Hawaii | $1,249 | $3,151 less | 72% less |
| Iowa | $4,695 | $295 more | 7% more |
| Idaho | $3,907 | $493 less | 11% less |
| Illinois | $4,508 | $108 more | 2% more |
| Indiana | $4,720 | $320 more | 7% more |
| Kansas | $9,605 | $5,205 more | 118% more |
| Kentucky | $6,589 | $2,189 more | 50% more |
| Louisiana | $10,870 | $6,470 more | 147% more |
| Massachusetts | $2,616 | $1,784 less | 41% less |
| Maryland | $3,210 | $1,190 less | 27% less |
| Maine | $2,431 | $1,969 less | 45% less |
| Michigan | $4,901 | $501 more | 11% more |
| Minnesota | $4,966 | $566 more | 13% more |
| Missouri | $6,505 | $2,105 more | 48% more |
| Mississippi | $4,101 | $299 less | 7% less |
| Montana | $5,314 | $914 more | 21% more |
| North Carolina | $5,488 | $1,088 more | 25% more |
| North Dakota | $4,965 | $565 more | 13% more |
| Nebraska | $7,403 | $3,003 more | 68% more |
| New Hampshire | $2,163 | $2,237 less | 51% less |
| New Jersey | $2,481 | $1,919 less | 44% less |
| New Mexico | $5,618 | $1,218 more | 28% more |
| Nevada | $3,137 | $1,263 less | 29% less |
| New York | $3,021 | $1,379 less | 31% less |
| Ohio | $3,525 | $875 less | 20% less |
| Oklahoma | $9,457 | $5,057 more | 115% more |
| Oregon | $2,708 | $1,692 less | 38% less |
| Pennsylvania | $2,591 | $1,809 less | 41% less |
| Rhode Island | $4,378 | $22 less | 1% less |
| South Carolina | $5,454 | $1,054 more | 24% more |
| South Dakota | $6,462 | $2,062 more | 47% more |
| Tennessee | $5,174 | $774 more | 18% more |
| Texas | $7,020 | $2,620 more | 60% more |
| Utah | $3,033 | $1,367 less | 31% less |
| Virginia | $3,481 | $919 less | 21% less |
| Vermont | $1,773 | $2,627 less | 60% less |
| Washington | $3,078 | $1,322 less | 30% less |
| Wisconsin | $3,031 | $1,369 less | 31% less |
| West Virginia | $2,861 | $1,539 less | 35% less |
| Wyoming | $4,051 | $349 less | 8% less |
How much is homeowners insurance in 2026?
The average yearly cost of homeowners insurance is $2,543 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 coverage | Deductible | Liability | Average annual premium | Average monthly premium |
|---|---|---|---|---|
| $200,000 | $1,000 | $100,000 | $1,897 | $158 |
| $200,000 | $1,000 | $300,000 | $1,920 | $160 |
| $200,000 | $2,500 | $100,000 | $1,692 | $141 |
| $200,000 | $2,500 | $300,000 | $1,716 | $143 |
| $300,000 | $1,000 | $100,000 | $2,515 | $210 |
| $300,000 | $1,000 | $300,000 | $2,543 | $212 |
| $300,000 | $2,500 | $100,000 | $2,265 | $189 |
| $300,000 | $2,500 | $300,000 | $2,294 | $191 |
| $400,000 | $1,000 | $100,000 | $3,127 | $261 |
| $400,000 | $1,000 | $300,000 | $3,158 | $263 |
| $400,000 | $2,500 | $100,000 | $2,827 | $236 |
| $400,000 | $2,500 | $300,000 | $2,861 | $238 |
| $600,000 | $1,000 | $100,000 | $4,364 | $364 |
| $600,000 | $1,000 | $300,000 | $4,400 | $367 |
| $600,000 | $2,500 | $100,000 | $3,974 | $331 |
| $600,000 | $2,500 | $300,000 | $4,008 | $334 |
| $1,000,000 | $2,500 | $100,000 | $6,215 | $518 |
| $1,000,000 | $2,500 | $300,000 | $6,253 | $521 |
| $1,000,000 | $5,000 | $100,000 | $5,631 | $469 |
| $1,000,000 | $5,000 | $300,000 | $5,670 | $473 |
Factors that affect homeowners insurance rates by state
Every state has various factors that impact home insurance costs. Depending on where you live, some of these factors will affect the average home insurance cost more than others:
- Severe weather and natural disasters
- Local construction costs
- Frequency of litigation against home insurance companies
- State regulation of insurance rates
For example, Florida has the highest rate of litigation against insurance companies in the nation. The cost of those lawsuits is passed on to policyholders, resulting in higher average home insurance costs.
Location is one of the biggest factors in your home insurance rates.
These location-related factors affect rates, according to Burl Daniel, an insurance expert witness in Fort Worth, Texas:
- Weather. Areas prone to severe weather and other natural disasters see higher rates. Florida, Louisiana and Texas all see higher rates due to hurricanes, while wildfires increase rates in California and Colorado. States with a lot of tornadoes, like Oklahoma and Nebraska, also have higher rates.
- Population density. Areas with a smaller population may be more expensive because there are fewer people paying into the risk pool.
- Proximity to increased risk. Areas near a coastline or that are heavily wooded are at higher risk of weather or fire.
- Claims history for the area. An area where a lot of claims have been filed in the past will see higher rates.
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.gainst insurance companies in the nation. The cost of those lawsuits is passed on to policyholders, resulting in higher average home insurance costs.
People ask
Why is homeowners insurance so expensive in Nebraska?
Nebraska's average homeowners insurance cost is high due to increased risk of severe weather and increased construction costs. Because Nebraska has a smaller population compare to many states, costs are spread over a smaller risk pool, which means higher rates for individuals.
How to save on homeowners insurance in your state
There are a lot of ways to get cheaper homeowners insurance. They include:
- Shopping around to compare rates from multiple companies. The best way to save on home insurance is to shop around for a lower rate at least once a year.
- Asking about discounts for things like security systems and roof upgrades. You can stack many discounts to get your rates down.
- Bundling your home and auto insurance. Buying your homeowners and car insurance from one company earns you a discount on both.
- Raising your deductible. A higher deductible means lower insurance rates; ensure you can afford to pay it if you need to.
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Home insurance Q&A :
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Methodology
We partnered with Quadrant Information Services to field home insurance rates across all 50 states and Washington, D.C.
National and state home insurance averages are based on the following parameters:
- $300,000 in dwelling coverage
- $300,000 in liability coverage
- A $1,000 deductible
- A 2% hurricane deductible in applicable states
- Good credit
Additionally, we receive rates for dwelling coverages of:
- $200,000
- $400,000
- $600,000
- $1,000,000
We also gather data for:
- $100,000 in liability coverage
- Deductibles ranging from $500 to $5,000
Learn more about our data and methodology.
FAQ: Average home insurance rates by state
id="h-why-is-home-insurance-so-cheap-in-some-states"Why is home insurance so cheap in some states?
Home insurance is much cheaper in some states than others because the risks differ by state; a state with a much lower risk of a major disaster will have lower rates. Also, 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.
id="h-why-are-homeowners-insurance-rates-increasing-in-certain-states"Why are homeowners insurance rates increasing in certain states?
Severe weather and increasing costs to rebuild are driving up rates in most states, but states like Florida, where hurricanes are a major risk, are seeing some of the biggest increases.
id="h-is-homeowners-insurance-required-by-law-in-my-state"Is homeowners insurance required by law in my state?
Homeowners insurance is not required by state law in any state. However, mortgage lenders do require home insurance as part of the loan agreement.
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