Average homeowners insurance rates by state in 2026

Average cost of home insurance rates in each state

The average home insurance cost in the U.S. is $2,872 annually, or $230 monthly for $300,000 in dwelling coverage based on 2026 Insurance.com data, but rates vary, from the cheapest, in Hawaii at $738 a year, to Florida at $8,471 a year.

These state-by-state differences reflect broader national trends explored in our report on the state of home insurance in 2026.

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.

Map

Table

State	Average annual rate for $200,000 dwelling coverage	Average annual rate for $300,000 dwelling coverage	Average annual rate for $400,000 dwelling coverage	Average annual rate for $600,000 dwelling coverage	Average annual rate for $1,000,000 dwelling coverage
Alaska	$1,177	$1,492	$1,825	$2,420	$3,370
Alabama	$2,852	$3,716	$4,506	$6,118	$8,790
Arkansas	$2,458	$3,195	$3,960	$5,450	$7,732
Arizona	$1,895	$2,397	$2,917	$4,011	$5,549
California	$1,244	$1,653	$2,090	$3,092	$4,494
Colorado	$4,058	$5,511	$6,847	$8,994	$11,020
Connecticut	$1,673	$2,132	$2,600	$3,524	$4,968
Washington, D.C.	$1,139	$1,558	$1,994	$2,770	$3,850
Delaware	$1,140	$1,461	$1,796	$2,662	$4,032
Florida	$6,203	$8,471	$11,161	$16,690	$25,695
Georgia	$1,784	$2,301	$2,888	$4,120	$6,031
Hawaii	$558	$738	$943	$1,315	$2,017
Iowa	$2,406	$3,148	$3,820	$5,051	$6,855
Idaho	$1,800	$2,412	$3,009	$4,189	$6,009
Illinois	$2,176	$2,802	$3,357	$4,678	$6,602
Indiana	$2,183	$2,869	$3,490	$4,597	$6,413
Kansas	$3,822	$5,289	$6,763	$9,553	$12,760
Kentucky	$3,587	$4,471	$5,450	$7,030	$9,779
Louisiana	$3,766	$5,185	$6,613	$9,540	$14,556
Massachusetts	$1,616	$2,112	$2,584	$3,543	$4,921
Maryland	$1,743	$2,242	$2,728	$3,659	$5,052
Maine	$956	$1,299	$1,642	$2,377	$3,591
Michigan	$2,249	$3,071	$4,044	$5,545	$7,307
Minnesota	$2,344	$3,333	$4,257	$5,698	$7,985
Missouri	$2,933	$3,783	$4,578	$6,199	$9,051
Mississippi	$1,995	$2,602	$3,092	$4,216	$6,286
Montana	$2,419	$3,221	$3,910	$5,252	$6,840
North Carolina	$2,481	$3,799	$4,768	$6,692	$8,296
North Dakota	$2,173	$2,846	$3,537	$4,776	$6,466
Nebraska	$4,199	$5,513	$6,754	$9,153	$12,455
New Hampshire	$1,013	$1,324	$1,627	$2,206	$2,990
New Jersey	$1,079	$1,449	$1,837	$2,542	$3,510
New Mexico	$2,378	$3,497	$4,577	$6,790	$9,880
Nevada	$1,377	$1,876	$2,380	$3,399	$4,774
New York	$1,401	$1,844	$2,339	$3,356	$5,111
Ohio	$1,687	$2,109	$2,564	$3,530	$5,054
Oklahoma	$3,756	$5,378	$7,105	$10,232	$13,778
Oregon	$1,275	$1,647	$2,057	$2,860	$4,236
Pennsylvania	$1,104	$1,434	$1,755	$2,424	$3,560
Rhode Island	$1,768	$2,379	$2,934	$4,102	$5,600
South Carolina	$2,032	$2,870	$3,690	$5,208	$8,172
South Dakota	$2,732	$3,740	$4,606	$6,127	$8,327
Tennessee	$2,409	$3,198	$3,970	$5,489	$7,936
Texas	$3,294	$4,582	$5,733	$7,858	$11,506
Utah	$1,352	$1,771	$2,179	$2,951	$4,162
Virginia	$1,579	$1,939	$2,379	$3,336	$5,110
Vermont	$782	$1,017	$1,247	$1,663	$2,272
Washington	$1,375	$1,766	$2,174	$3,027	$4,162
Wisconsin	$1,420	$1,836	$2,227	$2,948	$3,959
West Virginia	$1,572	$1,961	$2,333	$3,037	$4,109
Wyoming	$1,470	$2,075	$2,730	$4,051	$5,741

Read our methodology

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

Which states have the lowest home insurance rates?

Hawaii is the least expensive state for homeowners insurance, with an average rate of $738. It's followed by Vermont at $1,017 and New Hampshire at $1,299.

Hawaii's low rates are largely due to the fact that hurricane damage is not covered by a standard policy, and a separate policy is required to cover hurricanes, which comes at an additional cost. In Vermont and New Hampshire, low rates reflect the lower risks of natural disaster and low litigation rates.

Below are the top five least expensive states for homeowners insurance.

Rank	State	Average annual premium
1	Hawaii	$738
2	Vermont	$1,017
3	Maine	$1,299
4	New Hampshire	$1,324
5	Pennsylvania	$1,434

Read our methodology

Which states have the most expensive homeowners insurance?

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 $8,471 per year, although rates there are stabilizing.

Insurance.com data found that the states with the greatest increases for 2026 are Louisiana (58%), Michigan (48%), Virginia (37%), Kentucky (33%) and Minnesota (29%). Increasing natural disasters, such as hurricanes in Louisiana, hail storms in Minnesota and tornadoes in Oklahoma and Kansas are driving increases.

Below, you'll see the top five most expensive states for homeowners insurance. These states are prone to severe weather which causes an increase in home insurance costs.

Top five most expensive states for homeowners insurance
Rank	State	Average annual premium
1	Florida	$8,471
2	Nebraska	$5,513
3	Colorado	$5,511
4	Oklahoma	$5,378
5	Kansas	$5,289

Read our methodology

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 the use of climate data in the rating process.

These factors will continue to drive rate increases, with some stabilization expected as regulatory changes take effect, particularly in states like Florida, where legislation has already improved the market, and California, where the use of climate risk in rate setting is likely to create increases.

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.

Company	Average annual premium	Average monthly premium
Western National Insurance	$1,135	$95
Country Financial	$1,390	$116
State Farm	$1,674	$140
Allstate	$2,385	$199
USAA	$1,402	$117

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.

City	Average annual premium	Average monthly premium
Anchorage	$1,297	$108
Bethel	$1,370	$114
Fairbanks	$1,577	$131
Homer	$1,224	$102
Juneau	$1,210	$101
Kenai	$1,253	$104
Ketchikan	$1,096	$91
Palmer	$1,185	$99
Sitka	$1,054	$88
Wasilla	$1,318	$110

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 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 $558 a year for the same coverage limits. Below, you'll see how much homeowners insurance is on a $200,000 home in each state.

State	Average rate	$ more or less than national average ($2,765)	% difference from national average ($2,070)
Alaska	$1,177	$893 less	43% less
Alabama	$2,852	$782 more	38% more
Arkansas	$2,458	$388 more	19% more
Arizona	$1,895	$175 less	8% less
California	$1,244	$826 less	40% less
Colorado	$4,058	$1,988 more	96% more
Connecticut	$1,673	$397 less	19% less
Washington, D.C.	$1,139	$931 less	45% less
Delaware	$1,140	$930 less	45% less
Florida	$6,203	$4,133 more	200% more
Georgia	$1,784	$286 less	14% less
Hawaii	$558	$1,512 less	73% less
Iowa	$2,406	$336 more	16% more
Idaho	$1,800	$270 less	13% less
Illinois	$2,176	$106 more	5% more
Indiana	$2,183	$113 more	5% more
Kansas	$3,822	$1,752 more	85% more
Kentucky	$3,587	$1,517 more	73% more
Louisiana	$3,766	$1,696 more	82% more
Massachusetts	$1,616	$454 less	22% less
Maryland	$1,743	$327 less	16% less
Maine	$956	$1,114 less	54% less
Michigan	$2,249	$179 more	9% more
Minnesota	$2,344	$274 more	13% more
Missouri	$2,933	$863 more	42% more
Mississippi	$1,995	$75 less	4% less
Montana	$2,419	$349 more	17% more
North Carolina	$2,481	$411 more	20% more
North Dakota	$2,173	$103 more	5% more
Nebraska	$4,199	$2,129 more	103% more
New Hampshire	$1,013	$1,057 less	51% less
New Jersey	$1,079	$991 less	48% less
New Mexico	$2,378	$308 more	15% more
Nevada	$1,377	$693 less	33% less
New York	$1,401	$669 less	32% less
Ohio	$1,687	$383 less	19% less
Oklahoma	$3,756	$1,686 more	81% more
Oregon	$1,275	$795 less	38% less
Pennsylvania	$1,104	$966 less	47% less
Rhode Island	$1,768	$302 less	15% less
South Carolina	$2,032	$38 less	2% less
South Dakota	$2,732	$662 more	32% more
Tennessee	$2,409	$339 more	16% more
Texas	$3,294	$1,224 more	59% more
Utah	$1,352	$718 less	35% less
Virginia	$1,579	$491 less	24% less
Vermont	$782	$1,288 less	62% less
Washington	$1,375	$695 less	34% less
Wisconsin	$1,420	$650 less	31% less
West Virginia	$1,572	$498 less	24% less
Wyoming	$1,470	$600 less	29% less

Read our methodology

Homeowners insurance on a $300k home

For a homeowners insurance policy with $300,000 in dwelling coverage, Florida has the highest rate at $8,471 and Hawaii has the lowest rate at $738 based on a 2026 analysis by Insurance.com.

State	Average rate	$ more or less than national average ($2,765)	% difference from national average ($2,765)
Alaska	$1,492	$1,273 less	46% less
Alabama	$3,716	$951 more	34% more
Arkansas	$3,195	$430 more	16% more
Arizona	$2,397	$368 less	13% less
California	$1,653	$1,112 less	40% less
Colorado	$5,511	$2,746 more	99% more
Connecticut	$2,132	$633 less	23% less
Washington, D.C.	$1,558	$1,207 less	44% less
Delaware	$1,461	$1,304 less	47% less
Florida	$8,471	$5,706 more	206% more
Georgia	$2,301	$464 less	17% less
Hawaii	$738	$2,027 less	73% less
Iowa	$3,148	$383 more	14% more
Idaho	$2,412	$353 less	13% less
Illinois	$2,802	$37 more	1% more
Indiana	$2,869	$104 more	4% more
Kansas	$5,289	$2,524 more	91% more
Kentucky	$4,471	$1,706 more	62% more
Louisiana	$5,185	$2,420 more	88% more
Massachusetts	$2,112	$653 less	24% less
Maryland	$2,242	$523 less	19% less
Maine	$1,299	$1,466 less	53% less
Michigan	$3,071	$306 more	11% more
Minnesota	$3,333	$568 more	21% more
Missouri	$3,783	$1,018 more	37% more
Mississippi	$2,602	$163 less	6% less
Montana	$3,221	$456 more	16% more
North Carolina	$3,799	$1,034 more	37% more
North Dakota	$2,846	$81 more	3% more
Nebraska	$5,513	$2,748 more	99% more
New Hampshire	$1,324	$1,441 less	52% less
New Jersey	$1,449	$1,316 less	48% less
New Mexico	$3,497	$732 more	26% more
Nevada	$1,876	$889 less	32% less
New York	$1,844	$921 less	33% less
Ohio	$2,109	$656 less	24% less
Oklahoma	$5,378	$2,613 more	95% more
Oregon	$1,647	$1,118 less	40% less
Pennsylvania	$1,434	$1,331 less	48% less
Rhode Island	$2,379	$386 less	14% less
South Carolina	$2,870	$105 more	4% more
South Dakota	$3,740	$975 more	35% more
Tennessee	$3,198	$433 more	16% more
Texas	$4,582	$1,817 more	66% more
Utah	$1,771	$994 less	36% less
Virginia	$1,939	$826 less	30% less
Vermont	$1,017	$1,748 less	63% less
Washington	$1,766	$999 less	36% less
Wisconsin	$1,836	$929 less	34% less
West Virginia	$1,961	$804 less	29% less
Wyoming	$2,075	$690 less	25% less

Read our methodology

Homeowners insurance on a $400k home

At $400,000 in coverage, the highest annual average rate is $11,161 in Florida, and the lowest annual average rate is $943 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 national average ($2,765)	% difference from national average ($3,439)
Alaska	$1,825	$1,614 less	47% less
Alabama	$4,506	$1,067 more	31% more
Arkansas	$3,960	$521 more	15% more
Arizona	$2,917	$522 less	15% less
California	$2,090	$1,349 less	39% less
Colorado	$6,847	$3,408 more	99% more
Connecticut	$2,600	$839 less	24% less
Washington, D.C.	$1,994	$1,445 less	42% less
Delaware	$1,796	$1,643 less	48% less
Florida	$11,161	$7,722 more	225% more
Georgia	$2,888	$551 less	16% less
Hawaii	$943	$2,496 less	73% less
Iowa	$3,820	$381 more	11% more
Idaho	$3,009	$430 less	13% less
Illinois	$3,357	$82 less	2% less
Indiana	$3,490	$51 more	1% more
Kansas	$6,763	$3,324 more	97% more
Kentucky	$5,450	$2,011 more	58% more
Louisiana	$6,613	$3,174 more	92% more
Massachusetts	$2,584	$855 less	25% less
Maryland	$2,728	$711 less	21% less
Maine	$1,642	$1,797 less	52% less
Michigan	$4,044	$605 more	18% more
Minnesota	$4,257	$818 more	24% more
Missouri	$4,578	$1,139 more	33% more
Mississippi	$3,092	$347 less	10% less
Montana	$3,910	$471 more	14% more
North Carolina	$4,768	$1,329 more	39% more
North Dakota	$3,537	$98 more	3% more
Nebraska	$6,754	$3,315 more	96% more
New Hampshire	$1,627	$1,812 less	53% less
New Jersey	$1,837	$1,602 less	47% less
New Mexico	$4,577	$1,138 more	33% more
Nevada	$2,380	$1,059 less	31% less
New York	$2,339	$1,100 less	32% less
Ohio	$2,564	$875 less	25% less
Oklahoma	$7,105	$3,666 more	107% more
Oregon	$2,057	$1,382 less	40% less
Pennsylvania	$1,755	$1,684 less	49% less
Rhode Island	$2,934	$505 less	15% less
South Carolina	$3,690	$251 more	7% more
South Dakota	$4,606	$1,167 more	34% more
Tennessee	$3,970	$531 more	15% more
Texas	$5,733	$2,294 more	67% more
Utah	$2,179	$1,260 less	37% less
Virginia	$2,379	$1,060 less	31% less
Vermont	$1,247	$2,192 less	64% less
Washington	$2,174	$1,265 less	37% less
Wisconsin	$2,227	$1,212 less	35% less
West Virginia	$2,333	$1,106 less	32% less
Wyoming	$2,730	$709 less	21% less

Read our methodology

Homeowners insurance on a $600k home

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

State	Average rate	$ more or less than national average ($2,765)	% difference from national average ($4,739)
Alaska	$2,420	$2,319 less	49% less
Alabama	$6,118	$2,679 more	29% more
Arkansas	$5,450	$2,011 more	15% more
Arizona	$4,011	$572 more	15% less
California	$3,092	$347 less	35% less
Colorado	$8,994	$5,555 more	90% more
Connecticut	$3,524	$85 more	26% less
Washington, D.C.	$2,770	$669 less	42% less
Delaware	$2,662	$777 less	44% less
Florida	$16,690	$13,251 more	252% more
Georgia	$4,120	$681 more	13% less
Hawaii	$1,315	$2,124 less	72% less
Iowa	$5,051	$1,612 more	7% more
Idaho	$4,189	$750 more	12% less
Illinois	$4,678	$1,239 more	1% less
Indiana	$4,597	$1,158 more	3% less
Kansas	$9,553	$6,114 more	102% more
Kentucky	$7,030	$3,591 more	48% more
Louisiana	$9,540	$6,101 more	101% more
Massachusetts	$3,543	$104 more	25% less
Maryland	$3,659	$220 more	23% less
Maine	$2,377	$1,062 less	50% less
Michigan	$5,545	$2,106 more	17% more
Minnesota	$5,698	$2,259 more	20% more
Missouri	$6,199	$2,760 more	31% more
Mississippi	$4,216	$777 more	11% less
Montana	$5,252	$1,813 more	11% more
North Carolina	$6,692	$3,253 more	41% more
North Dakota	$4,776	$1,337 more	1% more
Nebraska	$9,153	$5,714 more	93% more
New Hampshire	$2,206	$1,233 less	53% less
New Jersey	$2,542	$897 less	46% less
New Mexico	$6,790	$3,351 more	43% more
Nevada	$3,399	$40 less	28% less
New York	$3,356	$83 less	29% less
Ohio	$3,530	$91 more	26% less
Oklahoma	$10,232	$6,793 more	116% more
Oregon	$2,860	$579 less	40% less
Pennsylvania	$2,424	$1,015 less	49% less
Rhode Island	$4,102	$663 more	13% less
South Carolina	$5,208	$1,769 more	10% more
South Dakota	$6,127	$2,688 more	29% more
Tennessee	$5,489	$2,050 more	16% more
Texas	$7,858	$4,419 more	66% more
Utah	$2,951	$488 less	38% less
Virginia	$3,336	$103 less	30% less
Vermont	$1,663	$1,776 less	65% less
Washington	$3,027	$412 less	36% less
Wisconsin	$2,948	$491 less	38% less
West Virginia	$3,037	$402 less	36% less
Wyoming	$4,051	$612 more	15% less

Read our methodology

How much is homeowners insurance in 2026?

The average yearly cost of homeowners insurance is $2,872 for a dwelling and liability coverage of $300,000, with a $1,000 deductible and a 2% deductible where applicable, but rates vary by coverage level, from $1,920 at $200,000 of dwelling coverage to $6,253 at $1 million with a $2,500 deductible (higher deductibles are common at higher dwelling coverage levels).

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

Dwelling coverage	Deductible	Liability	Average annual premium (2% hurricane deductible )	Average monthly premium (2% hurricane deductible)
$200,000	$1,000	$100,000	$2,131	$178
$200,000	$1,000	$300,000	$2,148	$179
$200,000	$2,500	$100,000	$1,910	$159
$200,000	$2,500	$300,000	$1,934	$161
$300,000	$1,000	$100,000	$2,864	$239
$300,000	$1,000	$300,000	$2,897	$241
$300,000	$2,500	$100,000	$2,650	$221
$300,000	$2,500	$300,000	$2,683	$224
$400,000	$1,000	$100,000	$3,602	$300
$400,000	$1,000	$300,000	$3,643	$304
$400,000	$2,500	$100,000	$3,341	$278
$400,000	$2,500	$300,000	$3,383	$282
$600,000	$1,000	$100,000	$5,093	$424
$600,000	$1,000	$300,000	$5,145	$429
$600,000	$2,500	$100,000	$4,745	$395
$600,000	$2,500	$300,000	$4,797	$400
$1,000,000	$2,500	$300,000	$7,566	$630
$1,000,000	$2,500	$500,000	$7,618	$635
$1,000,000	$5,000	$300,000	$7,103	$592
$1,000,000	$5,000	$500,000	$7,155	$596

Read our methodology

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. Rate differences can be regional.

That means that while Florida has high overall costs, areas near the coast pay the most due to the high hurricane risk, raising the state average. And rates will be higher in heavily forested areas of Colorado, where wildfires are a higher risk, driving higher averages across the state.

People ask

Why is homeowners insurance so expensive in Nebraska?

Nebraska's average homeowners insurance cost is high due to severe weather (hailstorms and tornadoes, increased construction costs, and a smaller population that spreads costs over a smaller risk pool, increasing rates for individuals. However, Insurance.com data show that Nebraska's rates declined by 5% on average from 2025 to 2026.

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.
Maintaining a good credit score. In most states, credit can be used in calculating rates, and poor credit can more than double your premium.

Home-insurance insurance Q&A :

Q : Does Hurricane Helene impact home insurance rates in my state?

A : It could depending on your insurance company and where you live. Generally, major weather events only impact rates where they occur, but when insurance companies suffer major losses, rates sometimes go up elsewhere as well.

Answered by Leslie Kasperowicz, Executive Editor

Q : How can I reduce my home insurance premium in Florida?

A : Insurance companies in Florida are required to provide discounts for wind mitigation. This can reduce rates in addition to shopping around, bundling and looking for other discounts.

Answered by Leslie Kasperowicz, Executive Editor

Q : Why is homeowners insurance so expensive in North Carolina?

A : Many parts of North Carolina are at risk from hurricanes, which increases the cost of homeowners insurance.

Answered by Leslie Kasperowicz, Executive Editor

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

Why is home insurance so cheap in some states?

Home insurance is cheaper in states with a low risk of natural disasters, a smaller population, lower litigation levels and lower construction costs. Hawaii's rates exclude coverage for hurricanes, and a separate policy is needed for full protection, increasing the cost of covering your home in full.

Why are homeowners insurance rates increasing in certain states?

Home insurance rates are increasing in states like Florida and California due to the high risk of severe weather and inflation, which drives higher construction costs.

Is homeowners insurance required by law in my state?

Homeowners insurance is not required by law in any state. However, mortgage lenders do require home insurance as part of the loan agreement, so unless you own your home outright, home insurance isn't optional.