Best home insurance companies by state

Compare the best home insurance companies by state

Because each state has its own insurance regulations and not every insurer does business in every state, the best companies vary by location. Even if an insurer is available in multiple states, rates and discounts vary significantly.

When shopping for home insurance, you should expand your options beyond big national names and compare smaller companies. It can be daunting to look at so many insurers, so we’ve compiled the best home insurance by state to make your comparison easier.

State-level insurer availability continues to shift, consistent with the trends outlined in our overview of the state of home insurance in 2026.

Choose your state in the dropdown menu below to find your state's top home insurers in 2025.

Company	AM Best	Average annual premium	NAIC	Overall score
Western National Insurance	A+	$1,216	0.39	4.69
Country Financial	A+	$1,389	0.1	4.46
State Farm	A++	$1,764	1.01	2.95
Allstate	A+	$1,747	1.32	2.67
USAA	A++	$1,946	0.43	3.36

How we choose the best home insurance companies in each state

We examined three key areas to determine the best home insurance companies by state.

Rates. First, we compared rates for a policy with $300,000 in dwelling and liability coverage and a $1,000 deductible. Other factors, such as square footage and safety features, may also affect insurance rates.
Financial stability. We reviewed AM Best ratings, which evaluate an insurance company's financial stability. Strongly financially stable insurers can pay claims and are less prone to miss payments.
Customer complaints. We examined the NAIC complaint index, which calculates the number of complaints each insurer has received compared to the expected volume for its market share.

Looking at more than just rates gives homeowners a more complete picture of which insurance company meets their needs.

How much is home insurance in your state?

Due to various factors, including the insurer's rate methodology and state insurance regulations, home insurance rates differ significantly between states and insurers. The average rates for home insurance from the leading providers in each state are displayed in the table below.

Map

Table

Average annual premium

$51

$488

State	Average monthly premium	Hurricane deductible
Alaska	$142	None
Alabama	$262	2%
Arkansas	$330	None
Arizona	$208	None
California	$117	None
Colorado	$342	None
Connecticut	$186	2%
Washington, D.C.	$112	2%
Delaware	$115	2%
Florida*	$368	2%
Georgia	$192	2%
Hawaii	$51	None
Iowa	$221	None
Idaho	$163	None
Illinois	$255	None
Indiana	$249	None
Kansas	$404	None
Kentucky	$277	None
Louisiana	$299	2%
Massachusetts	$137	2%
Maryland	$143	2%
Maine	$116	2%
Michigan	$201	None
Minnesota	$202	None
Missouri	$295	None
Mississippi	$282	2%
Montana	$274	None
North Carolina	$245	2%
North Dakota	$262	None
Nebraska	$400	None
New Hampshire	$102	2%
New Jersey	$127	2%
New Mexico	$221	None
Nevada	$122	None
New York	$151	2%
Ohio	$180	None
Oklahoma	$488	None
Oregon	$146	None
Pennsylvania	$159	2%
Rhode Island	$162	2%
South Carolina	$223	2%
South Dakota	$283	None
Tennessee	$255	None
Texas	$321	2%
Utah	$150	None
Virginia	$179	2%
Vermont	$105	None
Washington	$134	None
Wisconsin	$138	None
West Virginia	$159	None
Wyoming	$158	None

*Some state rates will vary based on the addition of a hurricane deductible and may be much higher when included.

How to compare home insurance companies

Homeowners have numerous insurance options, and choosing the right one to protect their home is a significant decision. Fortunately, comparing quotes from multiple insurers is relatively painless.

Determine your coverage needs. Decide on the coverage you need and what deductible works for you. Although higher coverage is more expensive, you need enough coverage to replace your home and belongings in a disaster. You can typically choose your deductible, the amount you pay before your insurance coverage starts, and a higher deductible lowers your insurance rates. Bear in mind that your mortgage company will have coverage requirements.
Gather personal information. In addition to your address, you’ll also need information about your home, such as its age, building materials, details about any roof replacements, and safety features, like an alarm or fire suppression system.
Compare quotes. Review quotes from multiple insurance companies. Look for any differences in coverage limits and what’s included in the policy.
Compare companies. Before choosing, look at each company’s reputation, including complaints and financial stability.

Factors that affect home insurance premiums

Many factors can affect homeowners insurance rates, including:

Location. Homeowners who live in areas prone to natural disasters or with high crime rates often face higher insurance rates, as insurers are more likely to pay claims in these areas. However, living close to emergency services, like a fire station, may result in lower rates.
Property. The age and condition of the home significantly impact insurance rates. For example, a newer home with safety features like a fire suppression system may get lower rates, while an older home that needs a new roof will have higher rates.
Coverage. The amount of coverage you need, determined mainly by the reconstruction cost of your home, will impact your rates.
Personal factors. Factors like claims history and credit score (in most states), can be used to calculate insurance rates. Homeowners who have not filed many claims and have a high credit score tend to get lower rates.

Frequently asked questions

Why is home insurance expensive in some states?

Insurance rates are rising, and some states feel the impact even more. States with a high frequency of natural disasters, such as hurricanes, earthquakes and wildfires, tend to have higher insurance rates. Increases in repair costs and skilled labor shortages also contribute to higher insurance costs in some states.

Are there state-specific home insurance discounts?

Each state and insurer decides which discounts and savings amounts are available. This means that not all discounts are available in every state, and the discount amounts may also change. Additionally, insurers in some states may offer discounts unavailable in other parts of the country. For example, an insurance company in Florida may offer a discount if you have hurricane shutters or an upgraded roof.

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