Insure.com’s analysis of rates from top insurers for nearly every ZIP code in the country found the average cost of homeowners insurance to be $2,285. That’s for a policy with $300,000 in dwelling coverage and $100,000 in liability insurance.
States with frequent hurricanes, hail storms, tornadoes and earthquakes tend to have higher home insurance rates. But no matter where you live, you can get sufficient coverage for an affordable price if you know your home insurance basics. Here we’ll provide home insurance rates by state and coverage level so you can estimate homeowners insurance costs for your particular situation. You’ll also learn how to save on home insurance and get tips on how much coverage to buy.
Average homeowners insurance : Rates by state
How do your home insurance costs compare to others in the country? If you live in Oklahoma, Kansas, Arkansas, Florida or Texas you're paying the highest prices, on average, for home insurance, while those in Hawaii, California, Vermont, Utah and New Hampshire pay the least.
| State | $300,000 dwelling/$100,000 liability | $ difference from $2,285 national average |
|---|---|---|
| Oklahoma | $4,418 | $2,133 more |
| Kansas | $3,920 | $1,635 more |
| Arkansas | $3,422 | $1, 137 more |
| Florida | $3,418 | $1,133 more |
| Texas | $3,412 | $1,127 more |
| Mississippi | $3,318 | $1,033 more |
| Louisiana | $3,249 | $964 more |
| South Dakota | $3,149 | $864 more |
| Nebraska | $3,112 | $827 more |
| Missouri | $3,093 | $808 more |
| Colorado | $3,069 | $784 more |
| Minnesota | $2,987 | $702 more |
| Alabama | $2,960 | $675 more |
| Kentucky | $2,845 | $560 more |
| Montana | $2,786 | $501 more |
| Tennessee | $2,677 | $392 more |
| South Carolina | $2,657 | $372 more |
| North Dakota | $2,577 | $292 more |
| Georgia | $2,540 | $255 more |
| Iowa | $2,526 | $241 more |
| West Virginia | $2,446 | $161 more |
| Indiana | $2,409 | $124 more |
| New Mexico | $2,270 | $15 less |
| Illinois | $2,183 | $102 less |
| Michigan | $2,130 | $155 less |
| Ohio | $2,093 | $192 less |
| Rhode Island | $2,092 | $193 less |
| Wyoming | $2,067 | $218 less |
| North Carolina | $2,001 | $284 less |
| Arizona | $1,959 | $326 less |
| Connecticut | $1,935 | $350 less |
| Virginia | $1,933 | $352 less |
| Masschusetts | $1,905 | $380 less |
| Idaho | $1,820 | $465 less |
| Maine | $1,818 | $467 less |
| New York | $1,809 | $476 less |
| Alaska | $1,778 | $507 less |
| Wisconsin | $1,718 | $567 less |
| New Jersey | $1,717 | $568 less |
| Pennsylvania | $1,708 | $577 less |
| Oregon | $1,593 | $692 less |
| Delaware | $1,504 | $781 less |
| Maryland | $1,503 | $782 less |
| Washington | $1,494 | $791 less |
| DC | $1,462 | $823 less |
| Nevada | $1,457 | $828 less |
| New Hampshire | $1,436 | $849 less |
| Utah | $1,356 | $929 less |
| Vermont | $1,194 | $1,091 less |
| California | $1,144 | $1,141 less |
| Hawaii | $477 | $1,808 less |
As you can see in the table above, location plays a major role in what you pay. Insurers consider many factors when judging location:
- Weather (areas that experience more natural disasters will likely have higher premiums)
- Population density
- Proximity to a fire department and fire hydrant
- Claims history for the area
But where you live is just one variable that affects what you pay. Home insurance rates are also based on characteristics of your house, the amount of coverage you get and on your profile. Chief among these are:
- The age of your home
- The building materials your home was constructed with
- The claims history of your house
- Your credit history (except in California, Massachusetts and Maryland)
- Your marital status
- How much coverage you buy and the deductible you choose
- The amount of home insurance discounts you qualify for
How much does homeowners insurance cost by coverage level?
When shopping for home insurance, you need to be sure you buy enough coverage to fully protect your possessions and your house. Here we’ll explain how to do that, and provide home insurance rates for common levels of protection.
You will start by deciding how much coverage to get for the following types of home insurance:
- Dwelling – covers damage to your home from fire, certain types of weather incidents
- Liability – pays for the medical bills of guests injured in your home due to your negligence, for instance your dog bites a friend or someone slips and falls on your property, and also pays if you are sued
- Medical payments – pays for minor medical bills of those injured in your home regardless of who is at fault
The limits of your coverage for the following are typically a set percentage of your dwelling coverage limit as shown below:
- Other structures, which covers sheds, barns and so on – 10%
- Personal property, the contents of your house – 50%
- Loss of use or additional living expenses, the amount you get for living expenses when your home is damaged and uninhabitable while being repaired – 20%
Determining the full replacement cost of your home is a critical first step in deciding how much coverage to buy, because you need to know that before choosing the amount of protection for your house. The cost to repair damage to your home or rebuild it completely at equal quality — at current prices – is the replacement cost. You should buy enough dwelling coverage to match the full replacement cost of your home. You can get help determining the replacement cost of your home by speaking with a real estate agent, appraiser or by using online tools.
You also choose a home insurance deductible, which applies to claims for damage to your home or belongings. The higher your deductible, the lower your rate. However, a high deductible and lower rate generally means you will have to pay for minor damage yourself. Deductibles usually come in the amounts of $1,000, $1,500, $2,000 and $2,500.
Now that we’ve outlined the components of a typical home insurance policy and how they work, you can see how the average cost of home insurance compares for various amounts of coverage, based on an analysis by Insure.com. All come with a $1,000 deductible.
| Average rate | Dwelling coverage | Liability |
|---|---|---|
| $1,806 | $200,000 | $100,000 |
| $1,824 | $200,000 | $300,000 |
| $2,285 | $300,000 | $100,000 |
| $2,305 | $300,000 | $300,000 |
| $2,694 | $400,000 | $100,000 |
| $2,709 | $400,000 | $300,000 |
| $3,046 | $500,000 | $100,000 |
| $3,056 | $500,000 | $300,000 |
| $3,304 | $600,000 | $100,000 |
| $3,323 | $600,000 | $300,000 |
To see how much you can expect to pay in your state, here are home insurance rates by state for eight common coverage levels, all with a $1,000 deductible.
| State | $200,000 dwelling/$100,000 liability | $200,000 dwelling/$300,000 liability | $300,000 dwelling/$100,000 liability | $300,000 dwelling/$300,000 liability | $400,000 dwelling/$100,000 liability | $400,000 dwelling/$300,000 liability | $500,000 dwelling/$100,000 liability | $500,000 dwelling/$300,000 liability |
|---|---|---|---|---|---|---|---|---|
| Alaska | $1,299 | $1,320 | $1,778 | $1,799 | $2,075 | $2,095 | $2,462 | $2,482 |
| Alabama | $2,580 | $2,599 | $2,960 | $2,981 | $3,438 | $3,457 | $3,807 | $3,813 |
| Arkansas | $2,864 | $2,875 | $3,422 | $3,439 | $3,848 | $3,871 | $4,593 | $4,619 |
| Arizona | $1,507 | $1,529 | $1,959 | $1,976 | $2,278 | $2,304 | $2,635 | $2,666 |
| California | $800 | $820 | $1,144 | $1,166 | $1,485 | $1,508 | $1,862 | $1,888 |
| Colorado | $2,499 | $2,514 | $3,069 | $3,082 | $3,480 | $3,502 | $3,675 | $3,674 |
| Connecticut | $1,455 | $1,478 | $1,935 | $1,961 | $2,383 | $2,410 | $2,775 | $2,808 |
| DC | $1,074 | $1,099 | $1,462 | $1,488 | $1,876 | $1,903 | $2,281 | $2,309 |
| Delaware | $1,070 | $1,085 | $1,504 | $1,521 | $1,913 | $1,932 | $2,391 | $2,411 |
| Florida | $2,872 | $2,876 | $3,418 | $3,439 | $3,941 | $3,962 | $4,261 | $4,287 |
| Georgia | $1,986 | $2,002 | $2,540 | $2,555 | $3,017 | $3,035 | $3,539 | $3,561 |
| Hawaii | $343 | $365 | $477 | $499 | $644 | $666 | $811 | $833 |
| Iowa | $2,015 | $2,027 | $2,526 | $2,540 | $3,071 | $3,086 | $3,514 | $3,532 |
| Idaho | $1,378 | $1,396 | $1,820 | $1,842 | $2,296 | $2,220 | $2,551 | $2,575 |
| Illinois | $1,733 | $1,749 | $2,183 | $2,201 | $2,602 | $2,620 | $3,013 | $3,026 |
| Indiana | $1,912 | $1,925 | $2,409 | $2,423 | $2,850 | $2,866 | $3,245 | $3,265 |
| Kansas | $3,161 | $3,174 | $3,920 | $3,931 | $4,417 | $4,427 | $4,784 | $4,790 |
| Kentucky | $2,313 | $2,331 | $2,845 | $2,862 | $3,090 | $3,110 | $3,193 | $3,213 |
| Louisiana | $2,633 | $2,656 | $3,249 | $3,270 | $3,711 | $3,704 | $4,077 | $4,091 |
| Masschusetts | $1,470 | $1,485 | $1,905 | $1,920 | $2,349 | $2,365 | $2,803 | $2,820 |
| Maryland | $1,111 | $1,124 | $1,503 | $1,518 | $1,934 | $1,951 | $2,407 | $2,425 |
| Maine | $1,377 | $1,386 | $1,818 | $1,833 | $2,254 | $2,271 | $2,559 | $2,579 |
| Michigan | $1,703 | $1,725 | $2,130 | $2,153 | $2,543 | $2,563 | $2,940 | $2,960 |
| Minnesota | $2,233 | $2,254 | $2,987 | $3,010 | $3,552 | $3,578 | $4,037 | $4,060 |
| Missouri | $2,486 | $2,500 | $3,093 | $3,111 | $3,517 | $3,534 | $4,045 | $4,077 |
| Mississippi | $2,606 | $2,625 | $3,318 | $3,340 | $4,085 | $4,100 | $4,449 | $4,426 |
| Montana | $2,388 | $2,407 | $2,786 | $2,809 | $3,220 | $3,232 | $3,221 | $3,232 |
| North Carolina | $1,365 | $1,373 | $2,001 | $2,009 | $2,359 | $2,367 | $2,647 | $2,655 |
| North Dakota | $2,293 | $2,314 | $2,577 | $2,601 | $2,453 | $2,477 | $2,569 | $2,547 |
| Nebraska | $2,620 | $2,636 | $3,112 | $3,133 | $3,605 | $3,628 | $3,799 | $3,801 |
| New Hampshire | $1,041 | $1,058 | $1,436 | $1,455 | $1,703 | $1,726 | $2,050 | $2,076 |
| New Jersey | $1,301 | $1,327 | $1,717 | $1,744 | $2,146 | $2,174 | $2,573 | $2,602 |
| New Mexico | $1,824 | $1,851 | $2,270 | $2,299 | $2,695 | $2,730 | $3,086 | $3,123 |
| Nevada | $1,056 | $1,083 | $1,457 | $1,486 | $1,853 | $1,884 | $2,246 | $2,280 |
| New York | $1,346 | $1,374 | $1,809 | $1,840 | $2,222 | $2,256 | $2,605 | $2,638 |
| Ohio | $1,599 | $1,612 | $2,093 | $2,107 | $2,564 | $2,496 | $2,830 | $2,843 |
| Oklahoma | $3,552 | $3,572 | $4,418 | $4,445 | $4,931 | $4,938 | $5,019 | $5,056 |
| Oregon | $1,233 | $1,247 | $1,593 | $1,608 | $1,986 | $2,004 | $2,301 | $2,319 |
| Pennsylvania | $1,300 | $1,319 | $1,708 | $1,720 | $2,091 | $2,112 | $2,511 | $2,538 |
| Rhode Island | $1,485 | $1,516 | $2,092 | $2,125 | $2,622 | $2,656 | $3,003 | $3,028 |
| South Carolina | $2,039 | $2,057 | $2,657 | $2,678 | $3,059 | $3,072 | $3,478 | $3,497 |
| South Dakota | $2,574 | $2,594 | $3,149 | $3,172 | $3,578 | $3,571 | $4,111 | $4,034 |
| Tennessee | $2,285 | $2,298 | $2,677 | $2,692 | $3,054 | $3,063 | $3,390 | $3,397 |
| Texas | $2,923 | $2,940 | $3,412 | $3,429 | $3,642 | $3,648 | $4,024 | $4,040 |
| Utah | $1,044 | $1,064 | $1,356 | $1,378 | $1,670 | $1,694 | $2,012 | $2,038 |
| Virginia | $1,474 | $1,495 | $1,933 | $1,956 | $2,312 | $2,323 | $2,588 | $2,618 |
| Vermont | $899 | $916 | $1,194 | $1,212 | $1,523 | $1,542 | $1,848 | $1,868 |
| Washington | $1,105 | $1,122 | $1,494 | $1,514 | $1,900 | $1,921 | $2,158 | $2,175 |
| Wisconsin | $1,360 | $1,372 | $1,718 | $1,732 | $2,134 | $2,149 | $2,477 | $2,494 |
| West Virginia | $1,952 | $1,986 | $2,446 | $2,486 | $2,979 | $3,018 | $3,416 | $3,462 |
| Wyoming | $1,579 | $1,592 | $2,067 | $2,083 | $2,452 | $2,467 | $2,723 | $2,329 |
Hover over map to see the home insurance rates by state for eight common coverage levels, all with a $1,000 deductible
Don’t choose a company on house insurance cost alone
If you're shopping for home insurance, don’t solely base your choice on how much you pay. If your most valuable asset, your home, is destroyed or damaged, you certainly want to have an insurance company that will treat you kindly, be responsive and pay your claim quickly. So, in addition to comparing rates from up to three insurers to see which has the most affordable cost, you should see what policyholders say about their customer service and claims handling. See how thousands of customers ranked top companies in our "Best Home Insurance Companies" survey analysis.