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Average home insurance and renters insurance premiums by state

How do your home insurance rates compare to others in the country?

The National Association of Insurance Commissioners tracks premiums for home (HO-3) and renters (HO-4) policies by state. When comparing your rates to other states, remember that factors driving premiums vary greatly across the country, such as the cost to rebuild a house (and the value of personal property inside), the types of perils covered (such as forest fires, hail and snow storms) and the policy limits and deductibles chosen by homeowners.

In general, construction costs are higher in more populated areas. Therefore, home insurance premiums tend to be higher as well.

Texas premiums should not be compared to any other state because of its unique insurance policy forms.

Florida premiums are underestimated because data did not include rates from Citizens Property Insurance, Florida's insurer of last resort, which has the highest rates in the state. Also, the average includes Florida policies that include windstorm coverage and those that don't, so the average cost of a comprehensive Florida home insurance policy will be higher than the number shown.

Average home insurance premiums
State HO-3
Average
Premium

(all perils home insurance)
HO-4
Average
Premium

(renters insurance)
Alabama $894 $223
Alaska $850 $182
Arizona $640 $207
Arkansas $802 $217
California $937 $244
Colorado $813 $169
Connecticut $878 $197
Delaware $530 $159
Dist. of Columbia $1,012 $185
Florida $1,386 $201
Georgia $703 $215
Hawaii $776 $213
Idaho $477 $153
Illinois $674 $168
Indiana $638 $173
Iowa $596 $132
Kansas $866 $170
Kentucky $637 $161
Louisiana $1,257 $245
Maine $573 $145
Maryland $721 $160
Massachusetts $925 $223
Michigan $715 $164
Minnesota $788 $139
Mississippi $998 $252
Missouri $707 $166
Montana $666 $160
Nebraska $783 $148
Nevada $693 $205
New Hampshire $669 $157
New Jersey $726 $179
New Mexico $638 $200
New York $869 $220
North Carolina $649 $144
North Dakota $742 $119
Ohio $530 $163
Oklahoma $1,018 $230
Oregon $502 $162
Pennsylvania $643 $148
Rhode Island $919 $189
South Carolina $851 $189
South Dakota $628 $120
Tennessee $706 $208
Texas $1,409 $261
Utah $494 $139
Vermont $677 $160
Virginia $662 $147
Washington $603 $170
West Virginia $650 $177
Wisconsin $490 $122
Wyoming $648 $155
Countrywide $804 $189
Source: National Association of Insurance Commissioners. Based on 2006 average premiums, the latest data available.

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