Homeowners insurance rates by state: See how your state compares

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

Homeowners insurance averages $2,543 per year nationally, but what you pay depends far more on your state’s disaster risk than your cost of living. Hawaii has the lowest average at $659 per year, while Florida tops the list at $7,16, a difference of over $5,000.

Florida, Louisiana and Kansas consistently rank as the most expensive states for home insurance, while Hawaii, New Hampshire, and Vermont are among the most affordable. Your home’s age and value matter, but location — and the disaster risks that come with it — is often the bigger driver of what you pay.

How much does homeowners insurance cost in your state?

Home insurance ranges from under $700 to more than $7,000 a year, depending largely on where you live. To estimate how much you might pay, select your state below and see the average annual cost, the cheapest insurer available, and the most affordable ZIP code in your area.nificantly depending on where you live. Select your state below to see the average annual cost, the cheapest insurer available, and the most affordable ZIP code in your area.

Estimate homeowners insurance rates in your state

Updated for 2026

Your state

Florida

AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWashington, D.C.West VirginiaWisconsinWyoming

Average annual cost in Florida

$4,405 / year

69% above national avg.

Monthly premium $367

Cheapest provider Travelers $1,755 / year

Travelers saves you $2,650 (60%) vs. Florida's average.

Based on the state average ($4,405) vs. Travelers rate ($1,755)

Read methodology More about Florida homeowners insurance →

What is the average homeowners insurance premium by state in the U.S.?

Average home insurance rates vary significantly by state, ranging from $659 per year in Hawaii to $7,136 per year in Florida.

According to Kate Terry, co-founder and CEO of Surround Insurance, two factors largely determine what you pay: 

• How likely your home is to get damaged: Driven by your home’s size, age, construction, and exposure to catastrophic events like hurricanes and wildfires
• How much it would cost to fix: Local labor costs, materials, and rebuilding expenses all factor into your premium

Location plays a bigger role than most homeowners expect. Coastal states like Florida face higher rates due to hurricane risk, but inland states aren’t immune either.

“What can be surprising is that even inland states can be highly exposed to catastrophic storms, so Oklahoma and Arkansas, for example, have relatively high home insurance costs because they get frequent tornadoes,” Terry says.

Your rate has less to do with your state’s overall cost of living and more to do with the specific risks in your area. Your coverage level also influences what you pay. You and your neighbor may live in the same state, but different homes and budgets mean the coverages you choose will differ too. Here’s what each coverage type does in a home insurance policy.

Top 10 most expensive states for homeowners insurance

Florida is the most expensive state for homeowners insurance at $7,136 a year, followed by Louisiana at $5,986 and Kansas at $5,260. Most of the priciest states are inland, where tornadoes and severe storms—not hurricanes — drive rates up.

That pattern points to something many homeowners get wrong: expensive insurance doesn’t track a high cost of living. Most states on this list are relatively affordable places to live, yet carry steep premiums because of disaster risk. Hawaii is the mirror image — it has some of the lowest home insurance costs in the country despite one of the highest costs of living overall. Insurance is only one piece of what makes a place affordable.

Top 10 most affordable states for homeowners insurance

Hawaii has the cheapest homeowners insurance at $659 a year, followed by Vermont at $1,063 and New Hampshire at $1,300. These low-risk states face fewer catastrophic events like hurricanes and tornadoes, which keeps premiums well below the national average.

Risk matters more than cost of living here too. California makes the list despite its high living costs and wildfire exposure, thanks in part to state regulation that limits how insurers set rates. But a low premium can hide gaps in what’s actually covered. Standard home insurance doesn’t include earthquake damage, so homeowners in quake-prone states may pay extra for that protection, and a standard policy in Hawaii doesn’t cover hurricane damage at all. In these states, the cheapest headline rate isn’t always the full picture.

Homeowners insurance rates by state calculator

See how the average annual home insurance rates vary with the options chosen.

State

Florida

AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWashington, D.C.West VirginiaWisconsinWyoming

Dwelling coverage Dwelling coverage pays for the rebuilding or repair of your physical home structure. Choose an amount that would cover the cost of rebuilding your home.

$200K$300K $400K$600K$1M

Liability coverage Covers the medical expenses of people who are hurt while in your home or on your property, as well as damage you caused to others' property. Also covers legal fees if you are sued by someone hurt in your home or on your property. Limits of $300,000 or $500,000 are recommended.

$100K $300K

Deductible The deductible is the amount you're responsible for paying out of pocket before your insurance begins to cover the remaining costs of a claim.

Standard ($2500)

Standard ($2500)Standard ($1000)$2,500 with 2% Hurricane deductible$1,000 with 2% Hurricane deductible

Average annual home insurance rates in
Florida

$2,329 Average rate

Average rate

$2,329/Yr

Lowest rate

$677/Yr

Highest rate

$3,482/Yr

Rates by carriers in Florida

Company	Average annual rate
Security First Insurance	$677
Citizens Property Insurance	$1,683
Allstate	$1,870
State Farm	$2,203
HCI Group Inc	$2,398
Heritage Insurance Holdings	$2,487
Universal Insurance Holding	$2,914
Progressive	$3,244
Nationwide	$3,482

Methodology

Insure.com commissioned Quadrant Information Systems to analyse home insurance rates from major insurers in the U.S. The analysis includes over 37 million quotes from 134 companies across more than 34,000 ZIP codes, using standardized coverage levels to calculate national averages. 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%. Guest Medical limit: $5,000. Deductible limit: $1,000. Personal property: 50% of dwelling coverage for replacement value

How much is homeowners insurance per month in your state?

Homeowners insurance costs an average of $55 to $595 a month depending on where you live. Hawaii is the cheapest at $55, followed by Vermont at $89 and New Hampshire at $108, while Florida is the most expensive at $595, then Louisiana at $499 and Kansas at $438. The gap comes down to disaster risk, rebuilding costs, and how much insurers compete locally.

The rates below are for $300,000 in dwelling and liability coverage with a $1,000 deductible.

What to read next

Homeowners insurance calculator: Estimate the cost of getting homeowners insurance

Average homeowners insurance cost by ZIP code in 2026

Show more

How do home insurance rates change with coverage levels?

Home insurance rates generally increase as coverage levels rise, but they don’t always scale proportionally. Doubling your dwelling coverage rarely doubles your premium, since the base policy already covers most of the fixed cost of insuring your home. Insurers also compete differently at different coverage levels — one company might be cheapest at $300,000 but pricier at $1 million. That’s why it pays to compare quotes at the coverage level you actually need, rather than assuming one insurer is cheapest across the board.

The chart below shows average homeowners insurance premiums for different dwelling coverage levels by state.

How do homeowners insurance rates vary by state and company?

Where you live and who you insure with can make a dramatic difference in what you pay for homeowners insurance. Certain insurers like USAA, Chubb, and State Farm consistently rank among the more affordable options nationally, but the best rate in one state may come from a completely different company in another. 

In California, for example, Travelers averages at $1,103 a year while Farmers charges around $1,926 for similar coverage — a gap of more than $800. In Florida, that difference is even more dramatic — State Farm averages $4,654 a year compared to $11,844 from Allstate. The table below breaks down average premiums by company and state so you can see exactly how rates compare where you live. 

How have homeowners insurance rates changed over the years?

Homeowners insurance rates have climbed sharply in recent years, with the steepest increases concentrated in disaster-prone states. Florida saw the largest jump by far, nearly doubling from $4,218 in 2022 to $7,136 in 2025, followed by Louisiana, which rose from $3,481 to $5,986 as hurricane and flood risk mounted.

The trend isn’t universal, though. Roughly 23 states saw rates fall over the same period, with Mississippi posting the biggest drop — from $3,398 down to $2,529. Where your state landed depended largely on its exposure to wildfires, tornadoes, and hurricanes, and on how insurers repriced that risk. The table below shows average annual premiums by state for 2022, 2023, and 2025.

Will homeowners insurance premiums go down?

While premiums have climbed in states such as California and Florida, others have actually seen rates come down. States like Mississippi, Oklahoma, Illinois, Pennsylvania, Connecticut, and Alaska are among those where homeowners have seen some relief.

Regardless of where you live, there are steps you can take as a homeowner to reduce the cost of insurance. Some of the best ways to reduce your premiums include: 

• Bundle your coverage. Get quotes for policies that bundle your auto and home insurance together to qualify for a discount. 
• Complete some home improvements. Adding technology, such as installing alarm systems or water leak detection devices, can help you lower your premiums. 
• Reinforce your property. Particularly in areas prone to hurricanes, you may be eligible for discounts for making your home more resistant to wind or water damage. 

Are you legally required to have homeowners insurance?

No state legally requires homeowners insurance, but that doesn’t mean it’s optional for everyone. If you have a mortgage, your lender will almost certainly require you to carry a policy to protect the home securing the loan.

If you own your home outright, the choice is yours — but going without coverage is a significant financial risk. A single fire, storm, or liability claim could cost tens or even hundreds of thousands of dollars out of pocket, with no safety net to fall back on.

For most homeowners, insurance is simply the most practical way to protect both their property and their financial future.

Your state shapes your rate — but it doesn’t have to define it

Low cost of living doesn’t always mean low home insurance rates, and vice versa. What drives your premium has less to do with everyday expenses and more to do with your state’s exposure to catastrophic events like hurricanes and tornadoes, along with rebuilding costs and insurer competition.

Even if you’re in a high-rate state, you’re not stuck. Comparison shopping is the single most effective way to find a better rate — and the right insurer for where you live.

Methodology

Insure.com commissioned Quadrant Information Services to provide homeowners insurance rates based on a policy with $300,000 in dwelling coverage, $300,000 in personal liability coverage and a $1,000 deductible.

Rates were collected from 134 insurance companies across 75 company groups in 51 jurisdictions (50 states and Washington, D.C.), covering 10,042 counties, 29,159 cities and 34,595 ZIP codes.

The analysis is based on 37,973,840 insurance quotes using a good/no-credit rating tier where permitted. Rates reflect policies without a hurricane deductible.

The national average annual premium for the coverage profile analyzed is $2,543. Actual premiums will vary based on factors including your location, home’s characteristics, coverage limits, deductible, claims history and insurer underwriting guidelines.

What our expert says

Kate TerryCo-founder and CEO of Surround Insurance.

“Homeowners insurance prices are driven by two underlying factors: How likely your home is to get damaged, and how much it will cost to fix. While the likelihood of damage is affected by how big your home is, what it's built out of, and how old it is, a far bigger factor in many areas is how exposed your house is to catastrophic events like hurricanes and wildfires.” 

Alisha Ambre

 

 . .

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.

Related Articles

Cost of living by state By Chris Kissell

Cost of living calculator By Nupur Gambhir

HO-3 vs. HO-5: Which homeowners insurance policy is right for you? By Alisha Ambre

Hurricanes and home insurance: How hurricane insurance works By Alisha Ambre

Homeowners insurance calculator: Estimate the cost of getting homeowners insurance By Alisha Ambre

$400K home insurance cost calculator By Alisha Ambre