Table of contents
- Average home insurance rates by state
- States with the highest home insurance rates
- States with the lowest home insurance rates
- Average home insurance rates by ZIP code
- Home insurance trends by state
- Average homeowners insurance rates by state and company
- Average homeowners insurance rates by state and city
- Average homeowners insurance rates by coverage level in each state
- How much is homeowners insurance on average?
- Factors that affect homeowners insurance rates
- How to save on homeowners insurance in your state
- Methodology
- Frequently asked questions about home insurance rates
Average home insurance rates by state
The average home insurance cost in the U.S. is $2,601 annually, or $217 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.
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.
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 |
Data updated in 2024
*Some state rates will vary based on the addition of a hurricane deductible and may be much higher when included.
States with the highest home insurance rates
Oklahoma, Kansas, Nebraska, Florida, and Colorado are the most expensive states for homeowners insurance. Oklahoma has the highest average cost of homeowners insurance in the U.S. at $5,858 per year.
Below, you'll see the top five most expensive states for homeowners insurance. These states are prone to severe storms, including tornadoes and hail, causing an increase in home insurance costs.
| Rank | State | Average rate |
|---|---|---|
| 1 | Oklahoma | $5,858 |
| 2 | Kansas | $4,843 |
| 3 | Nebraska | $4,800 |
| 4 | Florida | $4,419 |
| 5 | Colorado | $4,099 |
Data updated in 2024
States with the lowest home insurance rates
Hawaii is the least expensive state for homeowners insurance, with an average rate of $613. Below are the top five least expensive states for homeowners insurance.
| Rank | State | Average rate |
|---|---|---|
| 1 | Hawaii | $613 |
| 2 | New Hampshire | $1,221 |
| 3 | Vermont | $1,263 |
| 4 | Washington, D.C. | $1,342 |
| 5 | Delaware | $1,384 |
Data updated in 2024
Why is home insurance so cheap in some states?
Home insurance is much cheaper in some states than others partially because 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.
And, of course, the risks differ by state; a state with a much lower risk of a major disaster will have lower rates.
Average home insurance rates by ZIP code
ZIP code also affects home insurance 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.
Home insurance calculator
Average home insurance rates in TexasMost & least expensive ZIP codes for homeowners insurance in Texas
Most expensive
| ZIP code | City | Highest rate |
|---|---|---|
| 77550 | Galveston | $10,164 |
| 77586 | El Lago | $9,906 |
| 77551 | Galveston | $9,536 |
| 77554 | Galveston | $9,358 |
Least expensive
| 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 |
Data updated in 2024
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.
- The Colorado Division of Insurance recently held a series of town halls with residents to gain input and hear concerns on home insurance affordability. The town halls will inform the division's approach to stabilizing homeowners insurance costs in Colorado.
- The Florida Office of Insurance Regulation (FLOIR) is investigating Citizens Property Insurance, also the state insurance company of last resort, among other companies over allegations of abnormally high rates of denied insurance claims.
- Changes in California rate-setting regulations will allow homeowners insurance companies to use forward-thinking data rather than only historical data, allowing them to rate for anticipated future risk. The new system will take into account wildfire mitigation efforts and is expected to help stabilize the market.
- Insurance companies are recovering from losses and reported strong premium increases in Q1 of 2024, according to S&P Global. Even as inflation cools, rate increases for homeowners are expected to continue, also per S&P Global, which notes that the price of lumber remains 89% above pre-pandemic costs..
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.
| State | Company | Avg. annual premium | Avg. monthly premium |
|---|---|---|---|
| Alaska | Allstate | $1,747 | $146 |
| Alaska | Country Financial | $1,389 | $116 |
| Alaska | State Farm | $1,764 | $147 |
| Alaska | USAA | $1,946 | $162 |
| Alaska | Western National Mutual | $1,216 | $101 |
| Alabama | Alfa Corporation | $3,784 | $315 |
| Alabama | Allstate | $2,134 | $178 |
| Alabama | Auto-Owners | $2,868 | $239 |
| Alabama | Country Financial | $3,567 | $297 |
| Alabama | Farmers | $3,231 | $269 |
| Alabama | Nationwide | $3,465 | $289 |
| Alabama | State Farm | $3,137 | $261 |
| Alabama | USAA | $2,990 | $249 |
| Arkansas | Allstate | $3,418 | $285 |
| Arkansas | Auto-Owners | $5,533 | $461 |
| Arkansas | Farm Bureau Mutual Ins Co of AR | $3,390 | $283 |
| Arkansas | Farmers | $4,578 | $382 |
| Arkansas | Nationwide | $3,741 | $312 |
| Arkansas | Shelter Insurance | $4,089 | $341 |
| Arkansas | State Farm | $3,199 | $267 |
| Arkansas | Travelers | $9,602 | $800 |
| Arkansas | USAA | $3,626 | $302 |
| Arizona | Allstate | $2,507 | $209 |
| Arizona | American Family | $1,780 | $148 |
| Arizona | Farmers | $3,220 | $268 |
| Arizona | Nationwide | $1,840 | $153 |
| Arizona | State Farm | $1,585 | $132 |
| Arizona | Travelers | $6,002 | $500 |
| Arizona | USAA | $1,942 | $162 |
| California | Allstate | $886 | $74 |
| California | Auto Club Enterprises (AAA) | $1,325 | $110 |
| California | CSAA Insurance (AAA) | $1,324 | $110 |
| California | Farmers | $1,715 | $143 |
| California | Mercury Insurance | $1,388 | $116 |
| California | Nationwide | $1,417 | $118 |
| California | State Farm | $1,552 | $129 |
| California | Travelers | $1,097 | $91 |
| California | USAA | $1,305 | $109 |
| Colorado | Allstate | $3,246 | $270 |
| Colorado | American Family | $3,484 | $290 |
| Colorado | Farmers | $4,810 | $401 |
| Colorado | Nationwide | $5,391 | $449 |
| Colorado | State Farm | $3,199 | $267 |
| Colorado | USAA | $3,891 | $324 |
| Connecticut | American Family | $2,603 | $217 |
| Connecticut | Amica Mutual | $1,700 | $142 |
| Connecticut | Chubb Ltd | $2,336 | $195 |
| Connecticut | Farmers | $2,131 | $178 |
| Connecticut | National General Insurance | $1,255 | $105 |
| Connecticut | State Farm | $1,708 | $142 |
| Connecticut | Travelers | $5,225 | $435 |
| Connecticut | USAA | $1,783 | $149 |
| Washington, D.C. | Allstate | $1,353 | $113 |
| Washington, D.C. | Chubb Ltd | $1,453 | $121 |
| Washington, D.C. | Nationwide | $1,334 | $111 |
| Washington, D.C. | State Farm | $1,428 | $119 |
| Washington, D.C. | USAA | $1,076 | $90 |
| Delaware | Allstate | $1,272 | $106 |
| Delaware | American Family | $1,587 | $132 |
| Delaware | Cumberland Insurance | $991 | $83 |
| Delaware | State Farm | $1,123 | $94 |
| Delaware | Travelers | $1,946 | $162 |
| Florida | Allstate | $4,946 | $412 |
| Florida | Amer Integrity Ins Co of FL | $4,067 | $339 |
| Florida | Citizens Property Insurance | $8,632 | $719 |
| Florida | FedNat Holding | $7,227 | $602 |
| Florida | HCI Group Inc | $4,905 | $409 |
| Florida | Heritage Insurance Holdings | $4,493 | $374 |
| Florida | Nationwide | $5,623 | $469 |
| Florida | Progressive | $4,595 | $383 |
| Florida | Security First Insurance | $3,720 | $310 |
| Florida | State Farm | $4,826 | $402 |
| Florida | Travelers | $1,775 | $148 |
| Florida | Universal Insurance Holding | $6,502 | $542 |
| Georgia | Allstate | $1,589 | $132 |
| Georgia | Auto-Owners | $1,459 | $122 |
| Georgia | Farmers | $2,739 | $228 |
| Georgia | Georgia Farm Bureau | $2,457 | $205 |
| Georgia | Nationwide | $2,652 | $221 |
| Georgia | State Farm | $2,765 | $230 |
| Georgia | Travelers | $2,618 | $218 |
| Georgia | USAA | $2,174 | $181 |
| Hawaii | AIG | $606 | $51 |
| Hawaii | Allstate | $551 | $46 |
| Hawaii | Dongbu Insurance | $477 | $40 |
| Hawaii | Island Insurance | $663 | $55 |
| Hawaii | Ocean Harbor | $923 | $77 |
| Hawaii | RLI Insurance | $789 | $66 |
| Hawaii | State Farm | $420 | $35 |
| Hawaii | Tokio Marine Holdings | $669 | $56 |
| Hawaii | Universal Insurance Co | $420 | $35 |
| Iowa | Allstate | $2,867 | $239 |
| Iowa | American Family | $2,324 | $194 |
| Iowa | Auto-Owners | $1,890 | $158 |
| Iowa | Farmers | $3,101 | $258 |
| Iowa | IMT Insurance | $2,326 | $194 |
| Iowa | Iowa Farm bureau | $3,347 | $279 |
| Iowa | Nationwide | $2,529 | $211 |
| Iowa | State Farm | $2,432 | $203 |
| Iowa | USAA | $2,811 | $234 |
| Iowa | West Bend Mutual | $1,545 | $129 |
| Idaho | Allstate | $1,766 | $147 |
| Idaho | American Family | $1,398 | $116 |
| Idaho | Farm Bureau | $3,017 | $251 |
| Idaho | Farmers | $1,820 | $152 |
| Idaho | Nationwide | $1,328 | $111 |
| Idaho | State Farm | $2,226 | $186 |
| Idaho | USAA | $2,085 | $174 |
| Illinois | Allstate | $1,753 | $146 |
| Illinois | American Family | $5,088 | $424 |
| Illinois | Auto-Owners | $2,239 | $187 |
| Illinois | Country Financial | $3,561 | $297 |
| Illinois | Farmers | $3,273 | $273 |
| Illinois | Nationwide | $2,068 | $172 |
| Illinois | State Farm | $2,089 | $174 |
| Illinois | Travelers | $7,861 | $655 |
| Illinois | USAA | $2,243 | $187 |
| Indiana | Allstate | $1,186 | $99 |
| Indiana | American Family | $2,275 | $190 |
| Indiana | Auto-Owners | $3,127 | $261 |
| Indiana | Erie Insurance | $2,460 | $205 |
| Indiana | Farmers | $3,543 | $295 |
| Indiana | Indiana Farm Bureau Grp | $4,414 | $368 |
| Indiana | Indiana Farmers | $1,679 | $140 |
| Indiana | Nationwide | $2,809 | $234 |
| Indiana | State Farm | $2,267 | $189 |
| Indiana | Travelers | $8,092 | $674 |
| Indiana | USAA | $2,435 | $203 |
| Kansas | Allstate | $4,188 | $349 |
| Kansas | American Family | $3,751 | $313 |
| Kansas | Farmers | $4,811 | $401 |
| Kansas | Iowa Farm bureau | $4,197 | $350 |
| Kansas | Nationwide | $7,395 | $616 |
| Kansas | Shelter Insurance | $3,428 | $286 |
| Kansas | State Farm | $3,611 | $301 |
| Kentucky | Auto-Owners | $3,129 | $261 |
| Kentucky | Automobile Club MI (AAA) | $3,434 | $286 |
| Kentucky | Cincinnati Insurance | $2,248 | $187 |
| Kentucky | Grange Mutual | $3,767 | $314 |
| Kentucky | Kentucky Farm Bureau | $6,071 | $506 |
| Kentucky | Nationwide | $3,273 | $273 |
| Kentucky | Progressive | $2,297 | $191 |
| Kentucky | State Farm | $2,727 | $227 |
| Kentucky | Westfield Insurance | $2,989 | $249 |
| Louisiana | Allstate | $3,421 | $285 |
| Louisiana | Farmers | $4,759 | $397 |
| Louisiana | LA Farm bureau | $4,665 | $389 |
| Louisiana | Progressive | $1,439 | $120 |
| Louisiana | State Farm | $5,049 | $421 |
| Louisiana | USAA | $3,094 | $258 |
| Massachusetts | Allstate | $2,040 | $170 |
| Massachusetts | Amica Mutual | $2,733 | $228 |
| Massachusetts | Andover Insurance | $890 | $74 |
| Massachusetts | Arbella Insurance | $1,492 | $124 |
| Massachusetts | Heritage Insurance Holdings | $1,053 | $88 |
| Massachusetts | Mapfre Insurance | $1,765 | $147 |
| Massachusetts | Safety Insurance | $1,687 | $141 |
| Massachusetts | State Farm | $1,179 | $98 |
| Massachusetts | Travelers | $1,682 | $140 |
| Massachusetts | USAA | $1,840 | $153 |
| Massachusetts | Vermont Mutual | $1,356 | $113 |
| Maryland | Allstate | $1,679 | $140 |
| Maryland | American Family | $1,913 | $159 |
| Maryland | Chubb Ltd | $2,258 | $188 |
| Maryland | Erie Insurance | $1,683 | $140 |
| Maryland | Farmers | $1,560 | $130 |
| Maryland | Nationwide | $1,909 | $159 |
| Maryland | State Farm | $1,126 | $94 |
| Maryland | Travelers | $1,456 | $121 |
| Maryland | USAA | $1,780 | $148 |
| Maine | Allstate | $1,026 | $85 |
| Maine | Auto-Owners | $836 | $70 |
| Maine | Chubb Ltd | $1,112 | $93 |
| Maine | Farmers | $2,267 | $189 |
| Maine | Frankenmuth Insurance | $1,323 | $110 |
| Maine | MMG Insurance | $1,488 | $124 |
| Maine | Quincy Mutual | $1,312 | $109 |
| Maine | State Farm | $1,002 | $84 |
| Maine | The Hanover | $2,893 | $241 |
| Maine | Vermont Mutual | $654 | $55 |
| Michigan | Auto-Owners | $426 | $35 |
| Michigan | Automobile Club MI (AAA) | $1,498 | $125 |
| Michigan | Farmers | $2,824 | $235 |
| Michigan | Frankenmuth Insurance | $1,745 | $145 |
| Michigan | Michigan Farm Bureau | $6,265 | $522 |
| Michigan | State Farm | $2,036 | $170 |
| Michigan | The Hanover | $3,286 | $274 |
| Michigan | USAA | $2,140 | $178 |
| Minnesota | American Family | $2,447 | $204 |
| Minnesota | Auto-Owners | $1,557 | $130 |
| Minnesota | Automobile Club MI (AAA) | $1,845 | $154 |
| Minnesota | Country Financial | $5,166 | $431 |
| Minnesota | Farmers | $2,679 | $223 |
| Minnesota | North Star Mutual | $1,925 | $160 |
| Minnesota | State Farm | $2,574 | $214 |
| Minnesota | West Bend Mutual | $1,686 | $141 |
| Minnesota | Western National Mutual | $1,641 | $137 |
| Missouri | Allstate | $3,743 | $312 |
| Missouri | American Family | $3,372 | $281 |
| Missouri | Auto Club Enterprises (AAA) | $2,014 | $168 |
| Missouri | Farmers | $6,342 | $528 |
| Missouri | Nationwide | $4,608 | $384 |
| Missouri | Shelter Insurance | $3,310 | $276 |
| Missouri | State Farm | $2,490 | $208 |
| Missouri | USAA | $2,617 | $218 |
| Mississippi | Allstate | $2,542 | $212 |
| Mississippi | Farmers | $4,813 | $401 |
| Mississippi | Nationwide | $3,026 | $252 |
| Mississippi | Southern Farm Bureau | $2,361 | $197 |
| Mississippi | State Farm | $3,067 | $256 |
| Mississippi | Travelers | $8,860 | $738 |
| Mississippi | USAA | $2,467 | $206 |
| Montana | Allstate | $3,393 | $283 |
| Montana | Chubb Ltd | $1,659 | $138 |
| Montana | Farmers | $3,945 | $329 |
| Montana | Nationwide | $2,339 | $195 |
| Montana | State Farm | $2,561 | $213 |
| Montana | Travelers | $7,948 | $662 |
| Montana | USAA | $2,945 | $245 |
| North Carolina | Erie Insurance | $3,611 | $301 |
| North Carolina | Nationwide | $3,149 | $262 |
| North Carolina | North Carolina Farm Bureau | $2,196 | $183 |
| North Carolina | State Farm | $1,170 | $97 |
| North Carolina | USAA | $3,346 | $279 |
| North Dakota | Agraria Mutual | $2,017 | $168 |
| North Dakota | Allstate | $2,641 | $220 |
| North Dakota | American Family | $2,435 | $203 |
| North Dakota | Auto-Owners | $3,160 | $263 |
| North Dakota | Country Financial | $3,196 | $266 |
| North Dakota | Farmers | $4,527 | $377 |
| North Dakota | Nodak Insurance | $2,562 | $214 |
| North Dakota | North Star Mutual | $1,895 | $158 |
| North Dakota | State Farm | $3,128 | $261 |
| Nebraska | Allstate | $4,254 | $354 |
| Nebraska | American Family | $3,961 | $330 |
| Nebraska | Farmers | $4,824 | $402 |
| Nebraska | Farmers Mutual Ins Co of NE | $4,705 | $392 |
| Nebraska | Iowa Farm bureau | $4,667 | $389 |
| Nebraska | Nationwide | $6,230 | $519 |
| Nebraska | State Farm | $4,527 | $377 |
| Nebraska | Travelers | $9,512 | $793 |
| Nebraska | USAA | $5,105 | $425 |
| New Hampshire | Allstate | $848 | $71 |
| New Hampshire | Amica Mutual | $796 | $66 |
| New Hampshire | Auto-Owners | $1,047 | $87 |
| New Hampshire | Farmers | $1,055 | $88 |
| New Hampshire | MMG Insurance | $1,896 | $158 |
| New Hampshire | Nationwide | $1,611 | $134 |
| New Hampshire | Plymouth Rock Assurance | $1,262 | $105 |
| New Hampshire | State Farm | $1,148 | $96 |
| New Hampshire | USAA | $1,363 | $114 |
| New Hampshire | Vermont Mutual | $757 | $63 |
| New Jersey | Chubb Ltd | $1,189 | $99 |
| New Jersey | Farmers | $2,089 | $174 |
| New Jersey | Franklin Mutual | $1,410 | $118 |
| New Jersey | Heritage Insurance Holdings | $1,792 | $149 |
| New Jersey | National General Insurance | $1,190 | $99 |
| New Jersey | New Jersey Manufacturers | $966 | $81 |
| New Jersey | Plymouth Rock Assurance | $2,199 | $183 |
| New Jersey | State Farm | $1,214 | $101 |
| New Jersey | USAA | $1,270 | $106 |
| New Mexico | Farmers | $3,083 | $257 |
| New Mexico | State Farm | $1,775 | $148 |
| Nevada | American Family | $1,505 | $125 |
| Nevada | Country Financial | $2,159 | $180 |
| Nevada | CSAA Insurance (AAA) | $1,676 | $140 |
| Nevada | Farmers | $1,641 | $137 |
| Nevada | Nationwide | $1,158 | $96 |
| Nevada | State Farm | $1,346 | $112 |
| Nevada | USAA | $1,234 | $103 |
| New York | AIG | $1,564 | $130 |
| New York | Allstate | $1,876 | $156 |
| New York | American Family | $914 | $76 |
| New York | Chubb Ltd | $1,987 | $166 |
| New York | Farmers | $3,330 | $278 |
| New York | Heritage Insurance Holdings | $1,663 | $139 |
| New York | Nationwide | $1,540 | $128 |
| New York | NYCM Insurance | $1,108 | $92 |
| New York | State Farm | $1,264 | $105 |
| New York | Travelers | $1,606 | $134 |
| Ohio | Allstate | $1,690 | $141 |
| Ohio | American Family | $1,893 | $158 |
| Ohio | Auto-Owners | $1,610 | $134 |
| Ohio | Erie Insurance | $1,885 | $157 |
| Ohio | Farmers | $2,578 | $215 |
| Ohio | Grange Mutual | $2,279 | $190 |
| Ohio | Nationwide | $1,902 | $158 |
| Ohio | State Farm | $1,807 | $151 |
| Ohio | Travelers | $6,626 | $552 |
| Ohio | USAA | $1,548 | $129 |
| Oklahoma | Allstate | $4,445 | $370 |
| Oklahoma | Farmers | $7,313 | $609 |
| Oklahoma | Oklahoma Farm Bureau | $4,225 | $352 |
| Oklahoma | Shelter Insurance | $5,473 | $456 |
| Oklahoma | State Farm | $5,108 | $426 |
| Oklahoma | USAA | $6,267 | $522 |
| Oregon | Allstate | $1,709 | $142 |
| Oregon | American Family | $1,330 | $111 |
| Oregon | Country Financial | $2,750 | $229 |
| Oregon | Farmers | $2,041 | $170 |
| Oregon | Nationwide | $1,238 | $103 |
| Oregon | State Farm | $1,294 | $108 |
| Oregon | USAA | $1,655 | $138 |
| Pennsylvania | Allstate | $1,180 | $98 |
| Pennsylvania | Erie Insurance | $1,367 | $114 |
| Pennsylvania | Farmers | $2,072 | $173 |
| Pennsylvania | Nationwide | $1,592 | $133 |
| Pennsylvania | State Farm | $1,424 | $119 |
| Pennsylvania | Travelers | $5,232 | $436 |
| Pennsylvania | USAA | $1,496 | $125 |
| Rhode Island | AIG | $1,607 | $134 |
| Rhode Island | Allstate | $2,085 | $174 |
| Rhode Island | Amica Mutual | $2,237 | $186 |
| Rhode Island | Andover Insurance | $2,422 | $202 |
| Rhode Island | Nationwide | $2,045 | $170 |
| Rhode Island | Pure Companies Grp | $1,807 | $151 |
| Rhode Island | State Farm | $1,446 | $120 |
| South Carolina | Allstate | $2,021 | $168 |
| South Carolina | Auto-Owners | $2,293 | $191 |
| South Carolina | Farmers | $3,793 | $316 |
| South Carolina | Progressive | $2,455 | $205 |
| South Carolina | South Carolina Farm Bureau Mutual | $2,974 | $248 |
| South Carolina | State Farm | $1,969 | $164 |
| South Carolina | Travelers | $6,217 | $518 |
| South Carolina | USAA | $1,952 | $163 |
| South Dakota | Allstate | $2,698 | $225 |
| South Dakota | American Family | $3,465 | $289 |
| South Dakota | Auto-Owners | $2,264 | $189 |
| South Dakota | Farmers | $4,791 | $399 |
| South Dakota | Farmers Mutual Ins Co of NE | $3,005 | $250 |
| South Dakota | Iowa Farm bureau | $2,892 | $241 |
| South Dakota | Nationwide | $3,105 | $259 |
| South Dakota | North Star Mutual | $2,431 | $203 |
| South Dakota | State Farm | $3,029 | $252 |
| South Dakota | USAA | $3,662 | $305 |
| Tennessee | Allstate | $2,478 | $207 |
| Tennessee | Auto-Owners | $2,431 | $203 |
| Tennessee | Erie Insurance | $3,642 | $304 |
| Tennessee | Farmers | $3,772 | $314 |
| Tennessee | Progressive | $2,197 | $183 |
| Tennessee | State Farm | $2,523 | $210 |
| Tennessee | Tennessee Farmers | $2,325 | $194 |
| Tennessee | Travelers | $6,604 | $550 |
| Tennessee | USAA | $2,122 | $177 |
| Texas | Farmers | $3,872 | $323 |
| Texas | Nationwide | $5,495 | $458 |
| Texas | Progressive | $4,095 | $341 |
| Texas | State Farm | $3,725 | $310 |
| Texas | USAA | $3,263 | $272 |
| Utah | American Family | $1,260 | $105 |
| Utah | Auto-Owners | $1,761 | $147 |
| Utah | Farmers | $1,537 | $128 |
| Utah | Nationwide | $1,260 | $105 |
| Utah | State Farm | $1,078 | $90 |
| Utah | USAA | $2,464 | $205 |
| Virginia | Allstate | $1,857 | $155 |
| Virginia | American Family | $871 | $73 |
| Virginia | Erie Insurance | $1,706 | $142 |
| Virginia | Farmers | $3,186 | $266 |
| Virginia | Nationwide | $1,732 | $144 |
| Virginia | Progressive | $1,363 | $114 |
| Virginia | State Farm | $1,451 | $121 |
| Virginia | Travelers | $5,116 | $426 |
| Virginia | Virginia Farm Bureau | $1,080 | $90 |
| Vermont | Allstate | $798 | $67 |
| Vermont | Auto-Owners | $793 | $66 |
| Vermont | Co-operative Insurance | $1,231 | $103 |
| Vermont | Farmers | $1,868 | $156 |
| Vermont | State Farm | $1,258 | $105 |
| Vermont | Travelers | $3,024 | $252 |
| Vermont | Union Mutual | $1,232 | $103 |
| Vermont | USAA | $1,008 | $84 |
| Vermont | Vermont Mutual | $712 | $59 |
| Washington | Allstate | $1,213 | $101 |
| Washington | Farmers | $1,598 | $133 |
| Washington | Nationwide | $987 | $82 |
| Washington | PEMCO | $1,079 | $90 |
| Washington | State Farm | $1,522 | $127 |
| Washington | USAA | $2,352 | $196 |
| Wisconsin | Acuity A Mutual Ins Co | $1,780 | $148 |
| Wisconsin | Allstate | $1,332 | $111 |
| Wisconsin | American Family | $2,359 | $197 |
| Wisconsin | Auto-Owners | $1,945 | $162 |
| Wisconsin | Farmers | $1,815 | $151 |
| Wisconsin | Nationwide | $1,575 | $131 |
| Wisconsin | Secura Insurance | $1,451 | $121 |
| Wisconsin | State Farm | $1,496 | $125 |
| Wisconsin | USAA | $1,658 | $138 |
| Wisconsin | West Bend Mutual | $1,063 | $89 |
| West Virginia | Allstate | $1,720 | $143 |
| West Virginia | Automobile Club MI (AAA) | $1,888 | $157 |
| West Virginia | Erie Insurance | $2,138 | $178 |
| West Virginia | Nationwide | $1,721 | $143 |
| West Virginia | Progressive | $2,676 | $223 |
| West Virginia | State Farm | $1,793 | $149 |
| West Virginia | USAA | $1,218 | $102 |
| West Virginia | Westfield Insurance | $2,137 | $178 |
| Wyoming | Allstate | $2,847 | $237 |
| Wyoming | Farmers | $2,301 | $192 |
| Wyoming | Nationwide | $1,174 | $98 |
| Wyoming | State Farm | $1,727 | $144 |
| Wyoming | USAA | $1,436 | $120 |
Data updated in 2024
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.
| State | City | Avg. annual premium | Avg. monthly premium |
|---|---|---|---|
| Alaska | Anchorage | $1,386 | $115 |
| Alaska | Fairbanks | $1,826 | $152 |
| Alaska | Juneau | $1,334 | $111 |
| Alaska | Wasilla | $1,792 | $149 |
| Alaska | Sitka | $1,247 | $104 |
| Alabama | Huntsville | $2,961 | $247 |
| Alabama | Montgomery | $2,640 | $220 |
| Alabama | Birmingham | $2,988 | $249 |
| Alabama | Mobile | $5,064 | $422 |
| Alabama | Tuscaloosa | $2,757 | $230 |
| Arkansas | Little Rock | $3,835 | $320 |
| Arkansas | Fayetteville | $3,542 | $295 |
| Arkansas | Fort Smith | $3,888 | $324 |
| Arkansas | Jonesboro | $4,288 | $357 |
| Arkansas | Rogers | $3,446 | $287 |
| Arizona | Phoenix | $2,908 | $242 |
| Arizona | Tucson | $2,424 | $202 |
| Arizona | Mesa | $2,664 | $222 |
| Arizona | Chandler | $2,505 | $209 |
| Arizona | Gilbert | $2,446 | $204 |
| California | Los Angeles | $1,604 | $134 |
| California | San Diego | $1,311 | $109 |
| California | San Jose | $1,103 | $92 |
| California | San Francisco | $1,168 | $97 |
| California | Fresno | $1,256 | $105 |
| Colorado | Denver | $4,471 | $373 |
| Colorado | Colorado Springs | $4,916 | $410 |
| Colorado | Aurora | $4,563 | $380 |
| Colorado | Fort Collins | $3,748 | $312 |
| Colorado | Arvada | $4,548 | $379 |
| Connecticut | Bridgeport | $2,669 | $222 |
| Connecticut | Stamford | $2,285 | $190 |
| Connecticut | New Haven | $2,672 | $223 |
| Connecticut | Hartford | $2,174 | $181 |
| Connecticut | Waterbury | $2,190 | $182 |
| Delaware | Wilmington | $1,116 | $93 |
| Delaware | Dover | $1,144 | $95 |
| Delaware | Newark | $1,104 | $92 |
| Delaware | Middletown | $1,562 | $130 |
| Delaware | Smyrna | $1,142 | $95 |
| Florida | Jacksonville | $3,593 | $299 |
| Florida | Miami | $4,607 | $384 |
| Florida | Tampa | $5,184 | $432 |
| Florida | Orlando | $4,062 | $339 |
| Florida | St. Petersburg | $5,884 | $490 |
| Georgia | Atlanta | $2,335 | $195 |
| Georgia | Columbus | $2,379 | $198 |
| Georgia | Augusta | $2,246 | $187 |
| Georgia | Macon | $2,330 | $194 |
| Georgia | Savannah | $3,077 | $256 |
| Hawaii | Honolulu | $610 | $51 |
| Hawaii | Pearl City | $613 | $51 |
| Hawaii | Hilo | $614 | $51 |
| Hawaii | Kailua | $613 | $51 |
| Hawaii | Kahului | $614 | $51 |
| Iowa | Des Moines | $2,633 | $219 |
| Iowa | Cedar Rapids | $2,409 | $201 |
| Iowa | Davenport | $2,325 | $194 |
| Iowa | Sioux City | $2,984 | $249 |
| Iowa | Iowa City | $2,347 | $196 |
| Idaho | Boise City | $1,863 | $155 |
| Idaho | Meridian | $1,816 | $151 |
| Idaho | Nampa | $1,875 | $156 |
| Idaho | Idaho Falls | $1,947 | $162 |
| Idaho | Caldwell | $1,903 | $159 |
| Illinois | Chicago | $3,704 | $309 |
| Illinois | Aurora | $2,737 | $228 |
| Illinois | Joliet | $2,888 | $241 |
| Illinois | Naperville | $2,722 | $227 |
| Illinois | Rockford | $2,783 | $232 |
| Indiana | Indianapolis | $3,252 | $271 |
| Indiana | Fort Wayne | $2,774 | $231 |
| Indiana | Evansville | $3,103 | $259 |
| Indiana | South Bend | $2,874 | $239 |
| Indiana | Fishers | $3,037 | $253 |
| Kansas | Wichita | $5,334 | $444 |
| Kansas | Overland Park | $4,028 | $336 |
| Kansas | Kansas City | $4,132 | $344 |
| Kansas | Olathe | $3,970 | $331 |
| Kansas | Topeka | $4,498 | $375 |
| Kentucky | Jeffersontown | $2,873 | $239 |
| Kentucky | Jeffersonville | $2,859 | $238 |
| Kentucky | Louisville | $3,052 | $254 |
| Kentucky | Lexington | $2,460 | $205 |
| Kentucky | Bowling Green | $3,058 | $255 |
| Kentucky | Owensboro | $2,855 | $238 |
| Kentucky | Covington | $2,544 | $212 |
| Louisiana | New Orleans | $4,997 | $416 |
| Louisiana | Baton Rouge | $3,692 | $308 |
| Louisiana | Shreveport | $2,845 | $237 |
| Louisiana | Lafayette | $3,475 | $290 |
| Louisiana | Lake Charles | $3,831 | $319 |
| Massachusetts | Boston | $1,788 | $149 |
| Massachusetts | Worcester | $1,641 | $137 |
| Massachusetts | Springfield | $1,698 | $141 |
| Massachusetts | Cambridge | $1,479 | $123 |
| Massachusetts | Lowell | $1,503 | $125 |
| Maryland | Baltimore | $1,904 | $159 |
| Maryland | Frederick | $1,451 | $121 |
| Maryland | Gaithersburg | $1,402 | $117 |
| Maryland | Rockville | $1,392 | $116 |
| Maryland | Bowie | $1,734 | $144 |
| Maine | Portland | $1,342 | $112 |
| Maine | Lewiston | $1,310 | $109 |
| Maine | Bangor | $1,325 | $110 |
| Maine | South Portland | $1,271 | $106 |
| Maine | Auburn | $1,302 | $109 |
| Michigan | Detroit | $3,475 | $290 |
| Michigan | Grand Rapids | $2,271 | $189 |
| Michigan | Warren | $2,875 | $240 |
| Michigan | Sterling Heights | $2,573 | $214 |
| Michigan | Ann Arbor | $2,025 | $169 |
| Minnesota | Minneapolis | $2,663 | $222 |
| Minnesota | St. Paul | $2,610 | $217 |
| Minnesota | Rochester | $2,254 | $188 |
| Minnesota | Bloomington | $2,626 | $219 |
| Minnesota | Duluth | $2,308 | $192 |
| Missouri | Kansas City | $3,705 | $309 |
| Missouri | St. Louis | $3,219 | $268 |
| Missouri | Springfield | $3,651 | $304 |
| Missouri | Columbia | $3,206 | $267 |
| Missouri | Independence | $3,743 | $312 |
| Mississippi | Jackson | $3,530 | $294 |
| Mississippi | Gulfport | $5,804 | $484 |
| Mississippi | Southaven | $2,994 | $250 |
| Mississippi | Biloxi | $5,891 | $491 |
| Mississippi | Hattiesburg | $3,870 | $323 |
| Montana | Billings | $3,450 | $288 |
| Montana | Missoula | $2,843 | $237 |
| Montana | Great Falls | $3,484 | $290 |
| Montana | Bozeman | $2,982 | $248 |
| Montana | Butte | $3,018 | $251 |
| North Carolina | Charlotte | $2,277 | $190 |
| North Carolina | Raleigh | $2,624 | $219 |
| North Carolina | Greensboro | $2,214 | $184 |
| North Carolina | Durham | $2,487 | $207 |
| North Carolina | Winston-Salem | $2,119 | $177 |
| North Dakota | Fargo | $3,001 | $250 |
| North Dakota | Bismarck | $3,438 | $287 |
| North Dakota | Grand Forks | $2,890 | $241 |
| North Dakota | Minot | $3,018 | $251 |
| North Dakota | West Fargo | $2,926 | $244 |
| Nebraska | Omaha | $4,609 | $384 |
| Nebraska | Lincoln | $4,177 | $348 |
| Nebraska | Bellevue | $4,273 | $356 |
| Nebraska | Grand Island | $5,081 | $423 |
| Nebraska | Kearney | $5,144 | $429 |
| New Hampshire | Manchester | $1,227 | $102 |
| New Hampshire | Nashua | $1,173 | $98 |
| New Hampshire | Concord | $1,253 | $104 |
| New Hampshire | Dover | $1,227 | $102 |
| New Hampshire | Rochester | $1,245 | $104 |
| New Jersey | Newark | $1,692 | $141 |
| New Jersey | Jersey City | $1,673 | $139 |
| New Jersey | Paterson | $1,543 | $129 |
| New Jersey | Elizabeth | $1,535 | $128 |
| New Jersey | Trenton | $1,593 | $133 |
| New Mexico | Albuquerque | $2,271 | $189 |
| New Mexico | Las Cruces | $1,903 | $159 |
| New Mexico | Rio Rancho | $2,117 | $176 |
| New Mexico | Santa Fe | $1,972 | $164 |
| New Mexico | Roswell | $4,281 | $357 |
| Nevada | Las Vegas | $1,537 | $128 |
| Nevada | Henderson | $1,512 | $126 |
| Nevada | North Las Vegas | $1,564 | $130 |
| Nevada | Reno | $1,407 | $117 |
| Nevada | Sparks | $1,388 | $116 |
| New York | New York | $2,625 | $219 |
| New York | Buffalo | $1,531 | $128 |
| New York | Rochester | $1,464 | $122 |
| New York | Yonkers | $1,926 | $161 |
| New York | Syracuse | $1,523 | $127 |
| Ohio | Columbus | $2,142 | $178 |
| Ohio | Cleveland | $2,226 | $185 |
| Ohio | Cincinnati | $2,147 | $179 |
| Ohio | Toledo | $2,375 | $198 |
| Ohio | Akron | $2,015 | $168 |
| Oklahoma | Oklahoma City | $5,975 | $498 |
| Oklahoma | Tulsa | $5,443 | $454 |
| Oklahoma | Norman | $5,830 | $486 |
| Oklahoma | Broken Arrow | $5,535 | $461 |
| Oklahoma | Edmond | $5,931 | $494 |
| Oregon | Portland | $1,560 | $130 |
| Oregon | Salem | $1,634 | $136 |
| Oregon | Eugene | $1,545 | $129 |
| Oregon | Gresham | $1,511 | $126 |
| Oregon | Hillsboro | $1,495 | $125 |
| Pennsylvania | Philadelphia | $2,776 | $231 |
| Pennsylvania | Pittsburgh | $1,802 | $150 |
| Pennsylvania | Allentown | $1,860 | $155 |
| Pennsylvania | Reading | $1,738 | $145 |
| Pennsylvania | Erie | $1,864 | $155 |
| Rhode Island | Providence | $1,971 | $164 |
| Rhode Island | Warwick | $1,985 | $165 |
| Rhode Island | Cranston | $1,919 | $160 |
| Rhode Island | Pawtucket | $1,863 | $155 |
| Rhode Island | East Providence | $1,935 | $161 |
| South Carolina | Charleston | $3,990 | $332 |
| South Carolina | Columbia | $2,283 | $190 |
| South Carolina | North Charleston | $3,850 | $321 |
| South Carolina | Mount Pleasant | $4,146 | $346 |
| South Carolina | Rock Hill | $1,762 | $147 |
| South Dakota | Sioux Falls | $3,178 | $265 |
| South Dakota | Aberdeen | $3,133 | $261 |
| South Dakota | Brookings | $3,163 | $264 |
| South Dakota | Watertown | $3,162 | $263 |
| South Dakota | Mitchell | $3,504 | $292 |
| Tennessee | Nashville | $2,848 | $237 |
| Tennessee | Memphis | $3,945 | $329 |
| Tennessee | Knoxville | $2,522 | $210 |
| Tennessee | Chattanooga | $2,798 | $233 |
| Tennessee | Clarksville | $2,724 | $227 |
| Texas | Houston | $5,860 | $488 |
| Texas | San Antonio | $2,721 | $227 |
| Texas | Dallas | $4,129 | $344 |
| Texas | Austin | $2,609 | $217 |
| Texas | Fort Worth | $4,226 | $352 |
| Utah | Salt Lake City | $1,776 | $148 |
| Utah | West Valley City | $1,777 | $148 |
| Utah | West Jordan | $1,691 | $141 |
| Utah | Provo | $1,812 | $151 |
| Utah | St. George | $1,687 | $141 |
| Virginia | Virginia Beach | $3,268 | $272 |
| Virginia | Chesapeake | $2,841 | $237 |
| Virginia | Norfolk | $2,933 | $244 |
| Virginia | Richmond | $2,021 | $168 |
| Virginia | Newport News | $2,515 | $210 |
| Vermont | Burlington | $1,148 | $96 |
| Vermont | South Burlington | $1,145 | $95 |
| Vermont | Rutland | $1,230 | $102 |
| Vermont | Essex Junction | $1,141 | $95 |
| Vermont | Barre | $1,154 | $96 |
| Washington | Seattle | $1,481 | $123 |
| Washington | Spokane | $1,560 | $130 |
| Washington | Tacoma | $1,650 | $138 |
| Washington | Vancouver | $1,534 | $128 |
| Washington | Bellevue | $1,473 | $123 |
| Wisconsin | Milwaukee | $1,727 | $144 |
| Wisconsin | Madison | $1,597 | $133 |
| Wisconsin | Green Bay | $1,525 | $127 |
| Wisconsin | Kenosha | $1,671 | $139 |
| Wisconsin | Appleton | $1,534 | $128 |
| West Virginia | Charleston | $1,847 | $154 |
| West Virginia | Huntington | $2,032 | $169 |
| West Virginia | Morgantown | $1,523 | $127 |
| West Virginia | Martinsburg | $1,693 | $141 |
| West Virginia | Weirton | $1,641 | $137 |
| Wyoming | Cheyenne | $2,477 | $206 |
| Wyoming | Casper | $2,202 | $183 |
| Wyoming | Gillette | $2,241 | $187 |
| Wyoming | Laramie | $1,831 | $153 |
| Wyoming | Sheridan | $1,997 | $166 |
Data updated in 2024
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 insurance on a $200k home
Homeowners in Oklahoma 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 $461 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 ($2,005) | % difference from national average ($2,005) |
|---|---|---|---|
| Alaska | $1,355 | $650 less | 32% |
| Alabama | $2,391 | $386 more | 19% |
| Arkansas | $3,328 | $1,323 more | 66% |
| Arizona | $1,906 | $99 less | 5% |
| California | $1,043 | $962 less | 48% |
| Colorado | $3,169 | $1,164 more | 58% |
| Connecticut | $1,750 | $255 less | 13% |
| Washington, D.C. | $984 | $1,021 less | 51% |
| Delaware | $1,078 | $927 less | 46% |
| Florida | $3,773 | $1,768 more | 88% |
| Georgia | $1,760 | $245 less | 12% |
| Hawaii | $461 | $1,544 less | 77% |
| Iowa | $2,022 | $17 more | 1% |
| Idaho | $1,476 | $529 less | 26% |
| Illinois | $2,423 | $418 more | 21% |
| Indiana | $2,313 | $308 more | 15% |
| Kansas | $3,638 | $1,633 more | 81% |
| Kentucky | $2,486 | $481 more | 24% |
| Louisiana | $2,822 | $817 more | 41% |
| Massachusetts | $1,303 | $702 less | 35% |
| Maryland | $1,318 | $687 less | 34% |
| Maine | $1,021 | $984 less | 49% |
| Michigan | $1,825 | $180 less | 9% |
| Minnesota | $1,828 | $177 less | 9% |
| Missouri | $2,638 | $633 more | 32% |
| Mississippi | $2,646 | $641 more | 32% |
| Montana | $2,523 | $518 more | 26% |
| North Carolina | $2,141 | $136 more | 7% |
| North Dakota | $2,431 | $426 more | 21% |
| Nebraska | $3,809 | $1,804 more | 90% |
| New Hampshire | $948 | $1,057 less | 53% |
| New Jersey | $1,171 | $834 less | 42% |
| New Mexico | $1,829 | $176 less | 9% |
| Nevada | $1,093 | $912 less | 45% |
| New York | $1,340 | $665 less | 33% |
| Ohio | $1,805 | $200 less | 10% |
| Oklahoma | $4,442 | $2,437 more | 122% |
| Oregon | $1,347 | $658 less | 33% |
| Pennsylvania | $1,475 | $530 less | 26% |
| Rhode Island | $1,505 | $500 less | 25% |
| South Carolina | $2,061 | $56 more | 3% |
| South Dakota | $2,607 | $602 more | 30% |
| Tennessee | $2,369 | $364 more | 18% |
| Texas | $2,951 | $946 more | 47% |
| Utah | $1,416 | $589 less | 29% |
| Virginia | $1,645 | $360 less | 18% |
| Vermont | $974 | $1,031 less | 51% |
| Washington | $1,260 | $745 less | 37% |
| Wisconsin | $1,274 | $731 less | 36% |
| West Virginia | $1,465 | $540 less | 27% |
| Wyoming | $1,351 | $654 less | 33% |
Data updated in 2024
Homeowners insurance on a $300k home
For a homeowners insurance policy with $300,000 in dwelling coverage, Oklahoma has the highest rate at $5,858 and Hawaii has the lowest rate at $613 based on a 2023 analysis by Insurance.com.
| State | Average rate | $ more or less than the national avg ($2,601) | % difference from national average ($2,601) |
|---|---|---|---|
| Alaska | $1,708 | $893 less | 34% |
| Alabama | $3,147 | $546 more | 21% |
| Arkansas | $3,958 | $1,357 more | 52% |
| Arizona | $2,490 | $111 less | 4% |
| California | $1,405 | $1,196 less | 46% |
| Colorado | $4,099 | $1,498 more | 58% |
| Connecticut | $2,231 | $370 less | 14% |
| Washington, D.C. | $1,342 | $1,259 less | 48% |
| Delaware | $1,384 | $1,217 less | 47% |
| Florida | $4,419 | $1,818 more | 70% |
| Georgia | $2,302 | $299 less | 11% |
| Hawaii | $613 | $1,988 less | 76% |
| Iowa | $2,654 | $53 more | 2% |
| Idaho | $1,961 | $640 less | 25% |
| Illinois | $3,062 | $461 more | 18% |
| Indiana | $2,991 | $390 more | 15% |
| Kansas | $4,843 | $2,242 more | 86% |
| Kentucky | $3,326 | $725 more | 28% |
| Louisiana | $3,594 | $993 more | 38% |
| Massachusetts | $1,640 | $961 less | 37% |
| Maryland | $1,715 | $886 less | 34% |
| Maine | $1,391 | $1,210 less | 47% |
| Michigan | $2,411 | $190 less | 7% |
| Minnesota | $2,420 | $181 less | 7% |
| Missouri | $3,543 | $942 more | 36% |
| Mississippi | $3,380 | $779 more | 30% |
| Montana | $3,289 | $688 more | 26% |
| North Carolina | $2,941 | $340 more | 13% |
| North Dakota | $3,147 | $546 more | 21% |
| Nebraska | $4,800 | $2,199 more | 85% |
| New Hampshire | $1,221 | $1,380 less | 53% |
| New Jersey | $1,526 | $1,075 less | 41% |
| New Mexico | $2,647 | $46 more | 2% |
| Nevada | $1,467 | $1,134 less | 44% |
| New York | $1,816 | $785 less | 30% |
| Ohio | $2,160 | $441 less | 17% |
| Oklahoma | $5,858 | $3,257 more | 125% |
| Oregon | $1,755 | $846 less | 33% |
| Pennsylvania | $1,911 | $690 less | 27% |
| Rhode Island | $1,950 | $651 less | 25% |
| South Carolina | $2,678 | $77 more | 3% |
| South Dakota | $3,390 | $789 more | 30% |
| Tennessee | $3,060 | $459 more | 18% |
| Texas | $3,851 | $1,250 more | 48% |
| Utah | $1,802 | $799 less | 31% |
| Virginia | $2,151 | $450 less | 17% |
| Vermont | $1,263 | $1,338 less | 51% |
| Washington | $1,612 | $989 less | 38% |
| Wisconsin | $1,662 | $939 less | 36% |
| West Virginia | $1,911 | $690 less | 27% |
| Wyoming | $1,897 | $704 less | 27% |
Data updated in 2024
Homeowners insurance on a $400k home
At $400,000 in coverage, the highest annual average rate is $7,012 in Oklahoma, and the lowest annual average rate is $791 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 ($3,231) | % difference from national average ($3,231) |
|---|---|---|---|
| Alaska | $2,064 | $1,167 less | 36% |
| Alabama | $3,798 | $567 more | 18% |
| Arkansas | $4,675 | $1,444 more | 45% |
| Arizona | $3,063 | $168 less | 5% |
| California | $1,772 | $1,459 less | 45% |
| Colorado | $4,662 | $1,431 more | 44% |
| Connecticut | $2,707 | $524 less | 16% |
| Washington, D.C. | $1,703 | $1,528 less | 47% |
| Delaware | $1,729 | $1,502 less | 46% |
| Florida | $4,984 | $1,753 more | 54% |
| Georgia | $2,881 | $350 less | 11% |
| Hawaii | $791 | $2,440 less | 76% |
| Iowa | $3,230 | $1 less | 0% |
| Idaho | $2,449 | $782 less | 24% |
| Illinois | $3,587 | $356 more | 11% |
| Indiana | $3,620 | $389 more | 12% |
| Kansas | $5,688 | $2,457 more | 76% |
| Kentucky | $4,153 | $922 more | 29% |
| Louisiana | $4,409 | $1,178 more | 36% |
| Massachusetts | $1,998 | $1,233 less | 38% |
| Maryland | $2,131 | $1,100 less | 34% |
| Maine | $1,741 | $1,490 less | 46% |
| Michigan | $2,956 | $275 less | 9% |
| Minnesota | $2,999 | $232 less | 7% |
| Missouri | $4,114 | $883 more | 27% |
| Mississippi | $3,941 | $710 more | 22% |
| Montana | $3,831 | $600 more | 19% |
| North Carolina | $3,398 | $167 more | 5% |
| North Dakota | $3,898 | $667 more | 21% |
| Nebraska | $5,904 | $2,673 more | 83% |
| New Hampshire | $1,488 | $1,743 less | 54% |
| New Jersey | $1,894 | $1,337 less | 41% |
| New Mexico | $3,489 | $258 more | 8% |
| Nevada | $1,853 | $1,378 less | 43% |
| New York | $2,349 | $882 less | 27% |
| Ohio | $2,613 | $618 less | 19% |
| Oklahoma | $7,012 | $3,781 more | 117% |
| Oregon | $2,185 | $1,046 less | 32% |
| Pennsylvania | $2,130 | $1,101 less | 34% |
| Rhode Island | $2,381 | $850 less | 26% |
| South Carolina | $3,219 | $12 less | 0% |
| South Dakota | $3,970 | $739 more | 23% |
| Tennessee | $3,737 | $506 more | 16% |
| Texas | $4,643 | $1,412 more | 44% |
| Utah | $2,161 | $1,070 less | 33% |
| Virginia | $2,694 | $537 less | 17% |
| Vermont | $1,555 | $1,676 less | 52% |
| Washington | $2,017 | $1,214 less | 38% |
| Wisconsin | $2,038 | $1,193 less | 37% |
| West Virginia | $2,354 | $877 less | 27% |
| Wyoming | $2,490 | $741 less | 23% |
Data updated in 2024
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 ($4,677) | % difference from national average ($4,677) |
|---|---|---|---|
| Alaska | $2,779 | $1,898 less | 41% |
| Alabama | $5,144 | $467 more | 10% |
| Arkansas | $6,099 | $1,422 more | 30% |
| Arizona | $4,086 | $591 less | 13% |
| California | $2,598 | $2,079 less | 44% |
| Colorado | $5,542 | $865 more | 18% |
| Connecticut | $3,641 | $1,036 less | 22% |
| Washington, D.C. | $2,384 | $2,293 less | 49% |
| Delaware | $2,474 | $2,203 less | 47% |
| Florida | $5,854 | $1,177 more | 25% |
| Georgia | $4,006 | $671 less | 14% |
| Hawaii | $1,154 | $3,523 less | 75% |
| Iowa | $4,388 | $289 less | 6% |
| Idaho | $3,427 | $1,250 less | 27% |
| Illinois | $4,390 | $287 less | 6% |
| Indiana | $4,451 | $226 less | 5% |
| Kansas | $6,798 | $2,121 more | 45% |
| Kentucky | $5,182 | $505 more | 11% |
| Louisiana | $5,277 | $600 more | 13% |
| Massachusetts | $2,746 | $1,931 less | 41% |
| Maryland | $3,028 | $1,649 less | 35% |
| Maine | $2,510 | $2,167 less | 46% |
| Michigan | $3,564 | $1,113 less | 24% |
| Minnesota | $4,308 | $369 less | 8% |
| Missouri | $4,956 | $279 more | 6% |
| Mississippi | $4,700 | $23 more | 0% |
| Montana | $4,271 | $406 less | 9% |
| North Carolina | $4,375 | $302 less | 6% |
| North Dakota | $4,682 | $5 more | 0% |
| Nebraska | $7,365 | $2,688 more | 57% |
| New Hampshire | $2,032 | $2,645 less | 57% |
| New Jersey | $2,619 | $2,058 less | 44% |
| New Mexico | $4,529 | $148 less | 3% |
| Nevada | $2,707 | $1,970 less | 42% |
| New York | $3,276 | $1,401 less | 30% |
| Ohio | $3,265 | $1,412 less | 30% |
| Oklahoma | $8,426 | $3,749 more | 80% |
| Oregon | $3,016 | $1,661 less | 36% |
| Pennsylvania | $2,902 | $1,775 less | 38% |
| Rhode Island | $3,327 | $1,350 less | 29% |
| South Carolina | $4,319 | $358 less | 8% |
| South Dakota | $5,353 | $676 more | 14% |
| Tennessee | $4,873 | $196 more | 4% |
| Texas | $5,602 | $925 more | 20% |
| Utah | $2,876 | $1,801 less | 39% |
| Virginia | $3,430 | $1,247 less | 27% |
| Vermont | $2,147 | $2,530 less | 54% |
| Washington | $2,801 | $1,876 less | 40% |
| Wisconsin | $2,711 | $1,966 less | 42% |
| West Virginia | $3,271 | $1,406 less | 30% |
| Wyoming | $3,703 | $974 less | 21% |
Data updated in 2024
How much is homeowners insurance on average?
The average yearly cost of homeowners insurance is $2,601 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.
| Dwelling coverage | Deductible | Liability coverage | Average annual premium |
|---|---|---|---|
| $200,000 | $1,000 | $100,000 | $1,988 |
| $200,000 | $1,000 | $300,000 | $2,005 |
| $300,000 | $1,000 | $100,000 | $2,582 |
| $300,000 | $1,000 | $300,000 | $2,601 |
| $400,000 | $1,000 | $100,000 | $3,211 |
| $400,000 | $1,000 | $300,000 | $3,231 |
| $600,000 | $1,000 | $100,000 | $4,651 |
| $600,000 | $1,000 | $300,000 | $4,677 |
| $1,000,000 | $1,000 | $100,000 | $7,380 |
| $1,000,000 | $1,000 | $300,000 | $7,412 |
Data updated in 2024
Factors that affect homeowners insurance rates
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.
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 does location affect homeowners insurance?
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.
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
- Asking about discounts for things like security systems and roof upgrades
- Bundling your home and auto insurance
- Raising your deductible (as long as you can afford to pay it if you need to)
PEOPLE ASK
Is homeowners insurance required by law in my state?
Homeowners insurance is not required by state law in any state. However, mortgage lenders do require home insurance as part of the loan agreement.
ASK AN EXPERT Our experts are here to provide real answers to your insurance questions. Is there something you want to know? Ask below.Expert answers to your questions
Leslie Kasperowicz
Executive editor.
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Methodology
Insurance.com, in 2023, commissioned Quadrant Information Systems to field home insurance rates from major insurers in each state for nearly all ZIP codes in the country for 10 coverage levels based on various dwelling and deductible limits. The homeowner profile is a 35-year-old married applicant with an excellent insurance score insuring a new business HO-3 policy for a house built in 2000 with frame construction and composition roof. Other Structures: 10%. Loss of Use defaulted: 10%. Personal Property defaulted: 50%. Guest Medical limit: $5,000. Personal property: 50% of dwelling coverage for actual cash value. The content was updated for 2024.
*Some state rates will vary based on the addition of a hurricane deductible and may be much higher when included.
Frequently asked questions about home insurance rates
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.
Can I lower my dwelling coverage to reduce my premium?
You can lower your dwelling coverage as long as you are still meeting mortgage company requirements, but it's not recommended and can leave you underinsured.
How much is home insurance in Texas?
Based on Insurance.com’s rate analysis, on average the home insurance cost in Texas is $3,851. Texas is counted among the states with the highest homeowners insurance rates.
How much is homeowners insurance in California?
The average cost of home insurance in California is $1,405. It is one of the five states with the least expensive homeowners insurance.
Helpful home insurance tools and calculators
