Home insurance estimate by state Home insurance rates can vary significantly from one state to another. Several factors contribute to the difference in premiums, including the value of homes in each state and the frequency of natural disasters. Regardless of where you live, shopping around and comparing rates before buying home insurance is important. Get a homeowners insurance estimate today and know how much home insurance costs in your state or city. 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 Select StateAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming How much is home insurance in your state or city Compare home insurance rates by state and learn about how home insurance works in your area. Select your state or city from the below list to get an estimate of home insurance cost. Alaska ($1,799/year) Alabama ($2,981/year) Mobile|Beaverton|Gardendale|Huntsville|Tuscaloosa Arkansas ($3,439/year) Arizona ($1,976/year) California ($1,166/year) Los Angeles|Santa Clarita|Temecula|Costa Mesa|Huntington Beach|Chino|Anaheim|Clovis|San Francisco|Brisbane Colorado ($3,082/year) Colorado Springs|Arvada|Mesa Connecticut ($1,961/year) Washington D.C. ($1,488/year) Delaware ($1,521/year) Florida ($3,439/year) Fort Lauderdale|Pensacola|Boca Raton|Sydney|Melbourne|Tampa|Mount Dora|San Antonio|Havana Georgia ($2,555/year) Hawaii ($499/year) Iowa ($2,540/year) Idaho ($1,842/year) Illinois ($2,201/year) Indiana ($2,423/year) Kansas ($3,931/year) Kentucky ($2,862/year) Louisiana ($3,270/year) Massachusetts ($1,920/year) Boston|Springfield|Worcester|Norfolk|Milton|Rochdale|Tewksbury|Wilmington|Leeds|Richmond Maryland ($1,518/year) Maine ($1,833/year) Michigan ($2,153/year) Minnesota ($3,010/year) Missouri ($3,111/year) Spokane|Kansas City|Mountain View Mississippi ($3,340/year) Montana ($2,809/year) North Carolina ($2,009/year) Frisco|Fayetteville|Nashville|Raleigh|Cary|Durham|Charlotte|Vaughan|Greensboro|Winston-Salem North Dakota ($2,601/year) Nebraska ($3,133/year) New Hampshire ($1,455/year) New Jersey ($1,744/year) Jersey City|Lakewood|Birmingham|Columbus|Highland Park New Mexico ($2,299/year) Nevada ($1,486/year) Mesquite|Las Vegas|Incline Village|Pahrump|West Wendover|Reno|Fernley|Silver Springs|Yerington|Sparks New York ($1,840/year) New York|Bloomington|Denver|Philadelphia|Hamilton|Atlanta|Memphis|Phoenix|Stafford|Appleton Ohio ($2,107/year) Fresno|Roseville|Cincinnati|Grand Rapids|Toronto Oklahoma ($4,445/year) Oregon ($1,608/year) Pennsylvania ($1,720/year) Rhode Island ($2,125/year) South Carolina ($2,678/year) South Dakota ($3,172/year) Tennessee ($2,692/year) Texas ($3,429/year) Pasadena|Houston|Sunnyvale|Chico|San Diego|Dallas|Plano|Fort Worth|San Antonio|Austin|Chula Vista Utah ($1,378/year) Redmond|South Jordan|West Jordan|Santa Clara Virginia ($1,956/year) Virginia Beach|Carrollton|Saint Paul|Markham|Reston|Ashburn Vermont ($1,212/year) Washington ($1,514/year) Wisconsin ($1,732/year) West Virginia ($2,486/year) Wyoming ($2,083/year)