Average home insurance premiums by state
How do your home insurance rates compare to others in the country? If you live in Florida, you're 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 hurricanes, hail storms, tornadoes 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.
Ready to get a quote?
Get quick and easy home insurance quotes
No Comments