Top 10 most and least expensive states for homeowners insurance in 2026

Which states have the most expensive homeowners insurance rates?

Florida, Louisiana and Kansas have the highest homeowners insurance rates in the U.S. when compared to the national average premium of $2,543 annually.

Florida: $7,136. 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.
Louisiana: $5,986. Louisiana experiences severe weather, such as hurricanes, and has seen insurers leave the state or go out of business in recent years.
Kansas: $5,260. Kansas routinely experiences severe weather, such as tornadoes, high winds and hail, which drives up the cost of homeowners insurance.

Below, we’ve listed the 10 most expensive states for homeowners insurance and the cheapest insurer in each state.

1. Florida

$7,136 / year

+$4,593

Above the national average

State Farm: $4,654 / 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. Louisiana

$5,986 / year

+$3,443

Above the national average

Farmers: $2,635 / year

Best rates in Louisiana

Why are home insurance rates higher?

The high risk of hurricane damage, particularly in coastal Louisiana, increases rates .

3. Kansas

$5,260 / year

+$2,717

Above the national average

Allstate: $3,864 / 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.

4. Oklahoma

$5,010 / year

+$2,467

Above the national average

Allstate: $3,736 / 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. Colorado

$4,963 / year

+$2,420

Above the national average

Allstate: $2,517 / year

Best rates in Colorado

Why are home insurance rates higher?

The increasing risk of wildfires is impacting the cost of home insurance in Colorado.

6. Nebraska

$4,553 / year

+$2,010

Above the national average

Farmers: $4,137 / year

Best rates in Nebraska

Why are home insurance rates higher?

Nebraska experiences a range of weather conditions, from tornadoes to major storms, which raises the cost of insurance.

7. Texas

$4,085 / year

+$1,542

Above the national average

Farmers: $4,069 / year

Best rates in Texas

Why are home insurance rates higher?

Texas faces risks including hurricanes, tornadoes and other major storms, which results in higher insurance rates.

8. Kentucky

$4,042 / year

+$1,499

Above the national average

State Farm: $2,796 / year

Best rates in Kentucky

9. Missouri

$3,979 / year

+$1,436

Above the national average

Allstate: $2,849 / year

Best rates in Missouri

Why are home insurance rates higher?

A location in “Tornado Alley” and rising costs for materials are factors contributing to Missouri's high insurance rates.

10. South Dakota

$3,760 / year

+$1,217

Above the national average

Allstate: $2,694 / year

Best rates in South Dakota

Why are home insurance rates higher?

South Dakota experiences both severe winter weather and significant wind and hail storms, increasing costs.

Which states have the lowest homeowners insurance rates?

Hawaii, Vermont and New Hampshire have the lowest average homeowners insurance premiums compared to the national average.

Hawaii: $659. Hawaii’s low homeowners insurance rates are mainly due to the coverage offered. Home insurance doesn’t include coverage for hurricanes.
Vermont: $1,063. Vermont doesn’t experience major weather-related events that can significantly increase the cost of homeowners insurance, keeping rates low. 
New Hampshire: $1,300. In addition to few weather-related events, New Hampshire has many insurers writing policies and competing for homeowners insurance policies. These keep rates low for New Hampshire residents.

The ten states with the lowest homeowners insurance rates are listed below, along with the most affordable insurer in each state.

1. Hawaii

$659 / year

-$1,884

Below the national average

Universal Insurance: $421 / 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

$1,063 / year

-$1,480

Below the national average

Vermont Mutual: $773 / 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. New Hampshire

$1,300 / year

-$1,243

Below the national average

Amica: $815 / 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.

4. Maine

$1,335 / year

-$1,208

Below the national average

Vermont Mutual: $767 / year

Best rates in Maine

Why are home insurance rates lower?

Although Maine is at risk of coastal storms, its rates remain lower due to a smaller population and lower rebuilding costs.

5. Delaware

$1,374 / year

-$1,169

Below the national average

Cumberland Insurance: $1,014 / 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.

6. Alaska

$1,397 / year

-$1,146

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.

7. New Jersey

$1,421 / year

-$1,122

Below the national average

National General: $1,036 / year

Best rates in New Jersey

Why are home insurance rates lower?

New Jersey has a relatively low risk of major natural disasters.

8. Massachusetts

$1,483 / year

-$1,060

Below the national average

Heritage Insurance Holdings: $990 / year

Best rates in Massachusetts

Why are home insurance rates lower?

Massachusetts, like other North-eastern states, has a lower risk of disasters like wildfires and tornadoes.

9. Pennsylvania

$1,529 / year

-$1,014

Below the national average

Allstate: $1,218 / year

Best rates in Pennsylvania

Why are home insurance rates lower?

Pennsylvania has a low risk of wildfires, storms and other major disasters.

10. Oregon

$1,572 / year

-$971

Below the national average

State Farm: $1,029 / year

Best rates in Oregon

Why are home insurance rates lower?

Most of Oregon's population lives in areas away from both the coast and wildfire-prone regions, which keeps average rates lower.

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.

State-by-state homeowners insurance rate averages

The map below shows the average cost of homeowners insurance in each state based on $300,000 in liability coverage with a $1,000 deductible.

Map

Table

State	Average annual rates for $300,000 in dwelling coverage
Alabama	$3,147
Alaska	$1,708
Arizona	$2,490
Arkansas	$3,958
California	$1,405
Colorado	$4,099
Connecticut	$2,231
Delaware	$1,384
Florida*	$4,419
Georgia	$2,302
Hawaii	$613
Idaho	$1,961
Illinois	$3,062
Indiana	$2,991
Iowa	$2,654
Kansas	$4,843
Kentucky	$3,326
Louisiana	$3,594
Maine	$1,391
Maryland	$1,715
Massachusetts	$1,640
Michigan	$2,411
Minnesota	$2,420
Mississippi	$3,380
Missouri	$3,543
Montana	$3,289
Nebraska	$4,800
Nevada	$1,467
New Hampshire	$1,221
New Jersey	$1,526
New Mexico	$2,647
New York	$1,816
North Carolina	$2,941
North Dakota	$3,147
Ohio	$2,160
Oklahoma	$5,858
Oregon	$1,755
Pennsylvania	$1,911
Rhode Island	$1,950
South Carolina	$2,678
South Dakota	$3,390
Tennessee	$3,060
Texas	$3,851
Utah	$1,802
Vermont	$1,263
Virginia	$2,151
Washington	$1,612
Washington, D.C.	$1,342
West Virginia	$1,911
Wisconsin	$1,662
Wyoming	$1,897

*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

Although homeowners insurance can be expensive, there are ways to get the lowest rates available. They include:

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 less that your insurer has to pay on a claim.
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.