Average homeowners insurance rates by state in 2026

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.

Map

Table

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

Read our methodology

*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

Read our methodology

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

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 they use of climate data in the rating process.

Home insurance calculator by ZIP code

Average home insurance rates in Texas

Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive
Least expensive

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

Read our methodology

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.

Company	Average annual premium	Average monthly premium
State Farm	$1,466	$122
Allstate	$2,042	$170
Country Financial	$1,390	$116
Western National Insurance	$1,135	$95
USAA	$1,290	$108

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	$1,216	$101
Bethel	$1,392	$116
Fairbanks	$1,515	$126
Homer	$1,233	$103
Juneau	$1,127	$94
Kenai	$1,178	$98
Ketchikan	$1,034	$86
Palmer	$1,231	$103
Sitka	$997	$83
Wasilla	$1,232	$103

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 $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

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 $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

Read our methodology

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

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 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

Read our methodology

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.

**Average home insurance rates by coverage level**
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

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.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.

Home 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 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.

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.