Which states have the most expensive homeowners insurance rates?
Florida, Nebraska and Colorado have the highest homeowners insurance rates in the U.S. when compared to the national average premium of $2,872 annually.
- Florida: $8,471. Florida experiences numerous extreme weather-related events, including hurricanes, tornadoes and floods, which have caused many insurers to withdraw coverage and increase rates in the past few years.
- Nebraska: $5,513. Nebraska faces a wide variety of extreme weather, including tornadoes, hailstorms and winter storms, driving up insurance rates.
- Colorado: $5,511. Colorado's increasing wildfire risk is contributing to higher rates, along with a high risk of severe storms.
Below, we’ve listed the 10 most expensive states for homeowners insurance and the cheapest insurer in each state.
1. Florida ![uil-external-link-alt]()
$8,471 / year
+$5,599
Above the national average
State Farm: $5,806 / year
Best rates in Florida
Why are home insurance rates higher?
Coastal areas of Florida have much higher home insurance costs than homes farther inland, impacting averages.
Many Florida homeowners insurance policies include a special hurricane deductible that applies only to hurricane damage.
2. Nebraska ![uil-external-link-alt]()
$5,513 / year
+$2,641
Above the national average
State Farm: $4,402 / year
Best rates in Nebraska
Why are home insurance rates higher?
Nebraska sees a wide range of severe weather, including tornadoes, hailstorms, derechos and winter storms, driving up risk and costs to insurers.
3. Colorado ![uil-external-link-alt]()
$5,511 / year
+$2,639
Above the national average
Allstate: $2,798 / year
Best rates in Colorado
Why are home insurance rates higher?
Colorado faces an increasing risk of wildfires, but also sees severe storms with large hail, along with heavy snow in the winter.
4. Oklahoma ![uil-external-link-alt]()
$5,378 / year
+$2,506
Above the national average
Allstate: $4,018 / year
Best rates in Oklahoma
Why are home insurance rates higher?
Oklahoma experiences a variety of severe weather events that impact rates, from tornadoes to hail storms.
5. Kansas ![uil-external-link-alt]()
$5,289 / year
+$2,417
Above the national average
State Farm: $3,513 / year
Best rates in Kansas
Why are home insurance rates higher?
The frequency of tornadoes and other severe weather drives up the cost of home insurance in Kansas.
6. Louisiana ![uil-external-link-alt]()
$5,185 / year
+$2,313
Above the national average
Allstate: $3,589 / year
Best rates in Louisiana
Why are home insurance rates higher?
The high risk of hurricane damage, particularly in coastal Louisiana, increases rates.
7. Texas ![uil-external-link-alt]()
$4,582 / year
+$1,710
Above the national average
Farmers: $4,112 / year
Best rates in Texas
Why are home insurance rates higher?
Texas faces risks including hurricanes, tornadoes and other major storms, which result in higher insurance rates.
8. Kentucky ![uil-external-link-alt]()
$4,471 / year
+$1,599
Above the national average
State Farm: $2,820 / year
Best rates in Kentucky
9. North Carolina![uil-external-link-alt]()
$3,799 / year
+$927
Above the national average
State Farm: $1,362 / year
Best rates in North Carolina
Why are home insurance rates higher?
North Carolina experiences hurricanes, tropical storms, wind, and hail, which lead to frequent insurance claims and contribute to higher homeowners insurance rates and rebuilding costs.
10. Missouri ![uil-external-link-alt]()
$3,783 / year
+$911
Above the national average
State Farm: $2,869 / year
Best rates in Missouri
Why are home insurance rates higher?
A high risk of tornadoes and other storms and rising costs for materials are factors contributing to Missouri's high insurance rates.
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Which states have the lowest homeowners insurance rates?
Hawaii, Vermont and Maine have the lowest average homeowners insurance premiums compared to the national average.
- Hawaii: $738. Hawaii’s low homeowners insurance rates are mainly due to the coverage offered. Standard home insurance typically doesn’t include coverage for hurricanes in Hawai'i.
- Vermont: $1,017. Vermont doesn’t experience major weather-related events that can significantly increase the cost of homeowners insurance, keeping rates low.
- Maine: $1,299. A low risk of severe weather and low population density keep rates low in Maine.
The ten states with the lowest homeowners insurance rates are listed below, along with the most affordable insurer in each state.
1. Hawaii ![uil-external-link-alt]()
$738 / year
-$2,134
Below the national average
Dongbu Insurance: $472 / year
Best rates in Hawaii
Why are home insurance rates lower?
A standard Hawaii home insurance policy typically excludes coverage for hurricanes, which can significantly lower rates.
2. Vermont ![uil-external-link-alt]()
$1,017 / year
-$1,855
Below the national average
Vermont Mutual:$780 / year
Best rates in Vermont
Why are home insurance rates lower?
Vermont doesn't face many significant weather risks and has a low population density, which translates to lower rates.
3. Maine ![uil-external-link-alt]()
$1,299 / year
-$1,573
Below the national average
Vermont Mutual: $765 / year
Best rates in Maine
Why are home insurance rates lower?
Maine’s low population density and low risk of catastrophic storms both help to keep home insurance rates affordable.
4. New Hampshire ![uil-external-link-alt]()
$1,324 / year
-$1,548
Below the national average
Vermont Mutual:$834 / year
Best rates in New Hampshire
Why are home insurance rates lower?
Like Vermont, New Hampshire's low risk of major natural disasters and smaller population keep rates low.
5. Pennsylvania ![uil-external-link-alt]()
$1,434 / year
-$1,438
Below the national average
Travelers: $1,370 / year
Best rates in Pennsylvania
Why are home insurance rates lower?
Pennsylvania has a low risk of wildfires, storms and other major disasters.
6. New Jersey ![uil-external-link-alt]()
$1,449 / year
-$1,423
Below the national average
Allstate: $881 / year
Best rates in New Jersey
Why are home insurance rates lower?
New Jersey has a relatively low risk of major natural disasters.
7. Delaware ![uil-external-link-alt]()
$1,461 / year
-$1,411
Below the national average
Cumberland Insurance: $1,199 / year
Best rates in Delaware
Why are home insurance rates lower?
Much like other small states, Delaware's low population density helps to keep rates low.
8. Alaska ![uil-external-link-alt]()
$1,492 / year
-$1,380
Below the national average
Western National Insurance: $1,135 / year
Best rates in Alaska
Why are home insurance rates lower?
Although rebuilding costs can be high in remote locations, Alaska has little risk of major natural disasters that would affect home insurance rates.
9. Washington, D.C.
$1,558 / year
-$1,314
Below the national average
Erie Insurance: $1,060 / year
Best rates in Washington, D.C.
Why are home insurance rates lower?
Washington, D.C. has a relatively low risk of major natural disasters, which can help keep home insurance rates lower.
10. Oregon ![uil-external-link-alt]()
$1,647 / year
-$1,225
Below the national average
State Farm: $1,344 / year
Best rates in Oregon
Why are home insurance rates lower?
Most of Oregon's population is concentrated in the Willamette Valeey area, away from both the coast and wildfire-prone regions, which keeps average rates lower.
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Why do homeowners insurance rates vary by state? Top factors
Several factors influence the cost of homeowners insurance in each state, including:
- Weather patterns. Weather-related events, such as hurricanes, tornadoes, and wildfires, are among the most significant factors affecting home insurance premiums. Areas that experience frequent natural disasters have significantly higher insurance costs because insurers pay hefty claims.
- Labor and material costs. Premiums can increase in areas that lack enough skilled labor to repair homes or where it is difficult to get materials for repairs.
- State-specific regulations. Building regulations and laws in each state can lead to increased insurance rates. Areas with increased or challenging regulations can make it difficult for builders to make repairs or build new homes.
- How rate increases are regulated. Some states have little oversight or limits on insurance company rate increases, while others restrict increases heavily.
The average cost of home insurance in each state
Home insurance rates range from $738 a year in Hawaii to $8,471 in Florida. The map below shows the average cost of homeowners insurance in each state based on $300,000 dwelling coverage, $300,000 in liability coverage with a $1,000 deductible, and a 2% hurricane deductible where applicable.
Map
Table
Florida
| State | Average annual rates for $300,000 in dwelling coverage |
|---|---|
| Alaska | $1,492 |
| Alabama | $3,716 |
| Arkansas | $3,195 |
| Arizona | $2,397 |
| California | $1,653 |
| Colorado | $5,511 |
| Connecticut | $2,132 |
| Washington, D.C. | $1,558 |
| Delaware | $1,461 |
| Florida | $8,471 |
| Georgia | $2,301 |
| Hawaii | $738 |
| Iowa | $3,148 |
| Idaho | $2,412 |
| Illinois | $2,802 |
| Indiana | $2,869 |
| Kansas | $5,289 |
| Kentucky | $4,471 |
| Louisiana | $5,185 |
| Massachusetts | $2,112 |
| Maryland | $2,242 |
| Maine | $1,299 |
| Michigan | $3,071 |
| Minnesota | $3,333 |
| Missouri | $3,783 |
| Mississippi | $2,602 |
| Montana | $3,221 |
| North Carolina | $3,799 |
| North Dakota | $2,846 |
| Nebraska | $5,513 |
| New Hampshire | $1,324 |
| New Jersey | $1,449 |
| New Mexico | $3,497 |
| Nevada | $1,876 |
| New York | $1,844 |
| Ohio | $2,109 |
| Oklahoma | $5,378 |
| Oregon | $1,647 |
| Pennsylvania | $1,434 |
| Rhode Island | $2,379 |
| South Carolina | $2,870 |
| South Dakota | $3,740 |
| Tennessee | $3,198 |
| Texas | $4,582 |
| Utah | $1,771 |
| Virginia | $1,939 |
| Vermont | $1,017 |
| Washington | $1,766 |
| Wisconsin | $1,836 |
| West Virginia | $1,961 |
| Wyoming | $2,075 |
*Some state rates will vary based on the addition of a hurricane deductible and may be much higher when included.
Expert tips for lowering your homeowners insurance premiums
To get lower home insurance rates, bundle your home and auto insurance policies, raise your deductible, improve your home's safety and condition, and shop around for a better price.
- Bundling policies. Most insurers offer a bundling discount on both auto and home when you buy them together.
- Increasing your deductible. The deductible is the amount you pay before your insurance coverage kicks in. A higher deductible means you're less likely to file small claims and lowers the financial risk for the carrier.
- Adding safety features. You may qualify for discounts if you install safety features in your home, such as a security alarm or fire suppression system.
- Completing home improvements. Improvements, such as a new roof, wiring, or plumbing, can decrease rates and may qualify for additional discounts, as you are less likely to file a claim.
- Shopping around. Every insurer calculates insurance rates differently and offers different discounts. Compare rates and discounts from multiple companies to find the best deal.
FAQ: Home insurance rates by state
Why is homeowners insurance more expensive in some states?
Homeowners insurance is more expensive in some states due to weather-related events such as hurricanes and floods, state laws and regulations and the cost of labor and materials. Florida has the highest home insurance rates in the nation at $8,471 a year due to hurricane risk and a high level of litigation.
Is homeowners insurance getting more expensive in the US?
Yes, homeowners insurance costs continue to rise due to inflation and an increase in natural disasters. The average rate nationwide increased from $2,543 to $2,872 from 2025 to 2026.
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