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 ($2,156)	% difference from national average ($2,156)
Alaska	$1,177	$979 less	45% less
Alabama	$2,852	$696 more	32% more
Arkansas	$2,458	$302 more	14% more
Arizona	$1,895	$261 less	12% less
California	$1,244	$912 less	42% less
Colorado	$4,058	$1,902 more	88% more
Connecticut	$1,673	$483 less	22% less
Washington, D.C.	$1,139	$1,017 less	47% less
Delaware	$1,140	$1,016 less	47% less
Florida	$6,203	$4,047 more	188% more
Georgia	$1,784	$372 less	17% less
Hawaii	$558	$1,598 less	74% less
Iowa	$2,406	$250 more	12% more
Idaho	$1,800	$356 less	17% less
Illinois	$2,176	$20 more	1% more
Indiana	$2,183	$27 more	1% more
Kansas	$3,822	$1,666 more	77% more
Kentucky	$3,587	$1,431 more	66% more
Louisiana	$3,766	$1,610 more	75% more
Massachusetts	$1,616	$540 less	25% less
Maryland	$1,743	$413 less	19% less
Maine	$956	$1,200 less	56% less
Michigan	$2,249	$93 more	4% more
Minnesota	$2,344	$188 more	9% more
Missouri	$2,933	$777 more	36% more
Mississippi	$1,995	$161 less	7% less
Montana	$2,419	$263 more	12% more
North Carolina	$2,481	$325 more	15% more
North Dakota	$2,173	$17 more	1% more
Nebraska	$4,199	$2,043 more	95% more
New Hampshire	$1,013	$1,143 less	53% less
New Jersey	$1,079	$1,077 less	50% less
New Mexico	$2,378	$222 more	10% more
Nevada	$1,377	$779 less	36% less
New York	$1,401	$755 less	35% less
Ohio	$1,687	$469 less	22% less
Oklahoma	$3,756	$1,600 more	74% more
Oregon	$1,275	$881 less	41% less
Pennsylvania	$1,104	$1,052 less	49% less
Rhode Island	$1,768	$388 less	18% less
South Carolina	$2,032	$124 less	6% less
South Dakota	$2,732	$576 more	27% more
Tennessee	$2,409	$253 more	12% more
Texas	$3,294	$1,138 more	53% more
Utah	$1,352	$804 less	37% less
Virginia	$1,579	$577 less	27% less
Vermont	$782	$1,374 less	64% less
Washington	$1,375	$781 less	36% less
Wisconsin	$1,420	$736 less	34% less
West Virginia	$1,572	$584 less	27% less
Wyoming	$1,470	$686 less	32% 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 ($2,872)	% difference from national average ($2,872)
Alaska	$1,492	$1,380 less	48% less
Alabama	$3,716	$844 more	29% more
Arkansas	$3,195	$323 more	11% more
Arizona	$2,397	$475 less	17% less
California	$1,653	$1,219 less	42% less
Colorado	$5,511	$2,639 more	92% more
Connecticut	$2,132	$740 less	26% less
Washington, D.C.	$1,558	$1,314 less	46% less
Delaware	$1,461	$1,411 less	49% less
Florida	$8,471	$5,599 more	195% more
Georgia	$2,301	$571 less	20% less
Hawaii	$738	$2,134 less	74% less
Iowa	$3,148	$276 more	10% more
Idaho	$2,412	$460 less	16% less
Illinois	$2,802	$70 less	2% less
Indiana	$2,869	$3 less	0% difference
Kansas	$5,289	$2,417 more	84% more
Kentucky	$4,471	$1,599 more	56% more
Louisiana	$5,185	$2,313 more	81% more
Massachusetts	$2,112	$760 less	26% less
Maryland	$2,242	$630 less	22% less
Maine	$1,299	$1,573 less	55% less
Michigan	$3,071	$199 more	7% more
Minnesota	$3,333	$461 more	16% more
Missouri	$3,783	$911 more	32% more
Mississippi	$2,602	$270 less	9% less
Montana	$3,221	$349 more	12% more
North Carolina	$3,799	$927 more	32% more
North Dakota	$2,846	$26 less	1% less
Nebraska	$5,513	$2,641 more	92% more
New Hampshire	$1,324	$1,548 less	54% less
New Jersey	$1,449	$1,423 less	50% less
New Mexico	$3,497	$625 more	22% more
Nevada	$1,876	$996 less	35% less
New York	$1,844	$1,028 less	36% less
Ohio	$2,109	$763 less	27% less
Oklahoma	$5,378	$2,506 more	87% more
Oregon	$1,647	$1,225 less	43% less
Pennsylvania	$1,434	$1,438 less	50% less
Rhode Island	$2,379	$493 less	17% less
South Carolina	$2,870	$2 less	0% difference
South Dakota	$3,740	$868 more	30% more
Tennessee	$3,198	$326 more	11% more
Texas	$4,582	$1,710 more	60% more
Utah	$1,771	$1,101 less	38% less
Virginia	$1,939	$933 less	32% less
Vermont	$1,017	$1,855 less	65% less
Washington	$1,766	$1,106 less	39% less
Wisconsin	$1,836	$1,036 less	36% less
West Virginia	$1,961	$911 less	32% less
Wyoming	$2,075	$797 less	28% 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 ($3,579)	% difference from national average ($3,579)
Alaska	$1,825	$1,754 less	49% less
Alabama	$4,506	$927 more	26% more
Arkansas	$3,960	$381 more	11% more
Arizona	$2,917	$662 less	18% less
California	$2,090	$1,489 less	42% less
Colorado	$6,847	$3,268 more	91% more
Connecticut	$2,600	$979 less	27% less
Washington, D.C.	$1,994	$1,585 less	44% less
Delaware	$1,796	$1,783 less	50% less
Florida	$11,161	$7,582 more	212% more
Georgia	$2,888	$691 less	19% less
Hawaii	$943	$2,636 less	74% less
Iowa	$3,820	$241 more	7% more
Idaho	$3,009	$570 less	16% less
Illinois	$3,357	$222 less	6% less
Indiana	$3,490	$89 less	2% less
Kansas	$6,763	$3,184 more	89% more
Kentucky	$5,450	$1,871 more	52% more
Louisiana	$6,613	$3,034 more	85% more
Massachusetts	$2,584	$995 less	28% less
Maryland	$2,728	$851 less	24% less
Maine	$1,642	$1,937 less	54% less
Michigan	$4,044	$465 more	13% more
Minnesota	$4,257	$678 more	19% more
Missouri	$4,578	$999 more	28% more
Mississippi	$3,092	$487 less	14% less
Montana	$3,910	$331 more	9% more
North Carolina	$4,768	$1,189 more	33% more
North Dakota	$3,537	$42 less	1% less
Nebraska	$6,754	$3,175 more	89% more
New Hampshire	$1,627	$1,952 less	55% less
New Jersey	$1,837	$1,742 less	49% less
New Mexico	$4,577	$998 more	28% more
Nevada	$2,380	$1,199 less	34% less
New York	$2,339	$1,240 less	35% less
Ohio	$2,564	$1,015 less	28% less
Oklahoma	$7,105	$3,526 more	99% more
Oregon	$2,057	$1,522 less	43% less
Pennsylvania	$1,755	$1,824 less	51% less
Rhode Island	$2,934	$645 less	18% less
South Carolina	$3,690	$111 more	3% more
South Dakota	$4,606	$1,027 more	29% more
Tennessee	$3,970	$391 more	11% more
Texas	$5,733	$2,154 more	60% more
Utah	$2,179	$1,400 less	39% less
Virginia	$2,379	$1,200 less	34% less
Vermont	$1,247	$2,332 less	65% less
Washington	$2,174	$1,405 less	39% less
Wisconsin	$2,227	$1,352 less	38% less
West Virginia	$2,333	$1,246 less	35% less
Wyoming	$2,730	$849 less	24% 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 ($4,960)	% difference from national average ($4,960)
Alaska	$2,420	$2,540 less	51% less
Alabama	$6,118	$1,158 more	23% more
Arkansas	$5,450	$490 more	10% more
Arizona	$4,011	$949 less	19% less
California	$3,092	$1,868 less	38% less
Colorado	$8,994	$4,034 more	81% more
Connecticut	$3,524	$1,436 less	29% less
Washington, D.C.	$2,770	$2,190 less	44% less
Delaware	$2,662	$2,298 less	46% less
Florida	$16,690	$11,730 more	236% more
Georgia	$4,120	$840 less	17% less
Hawaii	$1,315	$3,645 less	73% less
Iowa	$5,051	$91 more	2% more
Idaho	$4,189	$771 less	16% less
Illinois	$4,678	$282 less	6% less
Indiana	$4,597	$363 less	7% less
Kansas	$9,553	$4,593 more	93% more
Kentucky	$7,030	$2,070 more	42% more
Louisiana	$9,540	$4,580 more	92% more
Massachusetts	$3,543	$1,417 less	29% less
Maryland	$3,659	$1,301 less	26% less
Maine	$2,377	$2,583 less	52% less
Michigan	$5,545	$585 more	12% more
Minnesota	$5,698	$738 more	15% more
Missouri	$6,199	$1,239 more	25% more
Mississippi	$4,216	$744 less	15% less
Montana	$5,252	$292 more	6% more
North Carolina	$6,692	$1,732 more	35% more
North Dakota	$4,776	$184 less	4% less
Nebraska	$9,153	$4,193 more	85% more
New Hampshire	$2,206	$2,754 less	56% less
New Jersey	$2,542	$2,418 less	49% less
New Mexico	$6,790	$1,830 more	37% more
Nevada	$3,399	$1,561 less	31% less
New York	$3,356	$1,604 less	32% less
Ohio	$3,530	$1,430 less	29% less
Oklahoma	$10,232	$5,272 more	106% more
Oregon	$2,860	$2,100 less	42% less
Pennsylvania	$2,424	$2,536 less	51% less
Rhode Island	$4,102	$858 less	17% less
South Carolina	$5,208	$248 more	5% more
South Dakota	$6,127	$1,167 more	24% more
Tennessee	$5,489	$529 more	11% more
Texas	$7,858	$2,898 more	58% more
Utah	$2,951	$2,009 less	41% less
Virginia	$3,336	$1,624 less	33% less
Vermont	$1,663	$3,297 less	66% less
Washington	$3,027	$1,933 less	39% less
Wisconsin	$2,948	$2,012 less	41% less
West Virginia	$3,037	$1,923 less	39% less
Wyoming	$4,051	$909 less	18% 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.