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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.

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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 rateDwelling coverageLiability
$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

AL AK AZ AR CA CO CT DC DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY

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.