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Average home insurance premiums by state

How do your home insurance rates compare to others in the country? If you live in Florida, you are paying the highest price, on average, for home insurance, while those in Hawaii, Idaho and Vermont pay the least.

Insure.com’s analysis of rates from top insurers for nearly every ZIP code in the country shows that states with frequent hurricantes, hail storms, tornados and earthquakes tend to have higher home insurance premiums. But no matter where you live, you can get sufficient coverage for an affordable price if you know your home insurance basics

If you're shopping for home insurance, see how thousands of customers ranked top companies in our "Best Home Insurance Companies" survey analysis.

Enter your state in the search field in the chart below to see the average home insurance premium for your location.

Average home insurance premiums by state

$200,000 dwelling with $1,000 deductible and $100,000 liability

Average annual premium

State

National average: $1,228 % difference vs. national average $ difference vs. national average
Florida $3,575 191% $2,346
Louisiana $2,979 143% $1,751
Oklahoma $2,651 116% $1,422
Alabama $2,314 88% $1,086
Mississippi $2,290 86% $1,062
Arkansas $2,063 68% $835
Texas $1,945 58% $716
Kansas $1,939 58% $711
Missouri $1,722 40% $494
Nebraska $1,583 29% $355
Tennessee $1,521 24% $293
Colorado $1,417 15% $188
South Carolina $1,402 14% $174
South Dakota $1,379 12% $150
Kentucky $1,355 10% $126
North Dakota $1,354 10% $126
Minnesota $1,333 9% $104
West Virginia $1,288 5% $60
Rhode Island $1,205 -2% -$23
Iowa $1,205 -2% -$23
Indiana $1,198 -2% -$30
New Mexico $1,197 -3% -$31
Massachusetts $1,190 -3% -$38
Montana $1,175 -4% -$54
Georgia $1,103 -10% -$125
Michigan $1,073 -13% -$155
Illinois $1,053 -14% -$175
Wyoming $976 -21% -$252
Virginia $959 -22% -$269
New York $935 -24% -$293
Alaska $908 -26% -$321
Connecticut $902 -27% -$326
Maryland $866 -30% -$363
Ohio $864 -30% -$364
Arizona $813 -34% -$415
Pennsylvania $801 -35% -$427
California $793 -35% -$435
Wisconsin $788 -36% -$441
North Carolina $773 -37% -$456
Delaware $748 -39% -$480
Maine $721 -41% -$507
New Jersey $711 -42% -$517
DC $706 -42% -$522
Nevada $703 -43% -$525
New Hampshire $680 -45% -$548
Washington $653 -47% -$575
Oregon $643 -48% -$585
Utah $642 -48% -$586
Idaho $622 -49% -$606
Vermont $589 -52% -$640
Hawaii $337 -73% -$891

Methodology:

Insure.com in 2016 commissioned Quadrant Information Systems to field home insurance rates from major insurers in each state for nearly all ZIP codes in the country for 75 coverage levels based on various dwelling and deductible limits. The homeowner profile is a 35-year-old married applicant with excellent insurance score; new business HO3 policy for 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.

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