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The average homeowners insurance cost in the U.S. is $2,601, based on a policy with $300,000 in dwelling coverage and liability and a $1,000 deductible. However, the average home insurance cost by state ranges substantially higher or lower, depending on the specific state. 

While factors such as your home’s value and age heavily influence what you pay for insurance, location is also a significant driver of home insurance costs, as we’ll explore in this guide to the average home insurance cost by state.

Key Takeaways

  • The average home insurance cost by state varies with the nationwide average coming in at $2,601 a year.
  • The cheapest state for home insurance is Hawaii at $613 a year, and the most expensive state is Oklahoma at $5,858 a year.
  • Homeowners insurance rates are increasing everywhere, but homeowners can still take steps to reduce costs.

Estimate homeowners insurance rates in your state

  • The average homeowners insurance cost in Florida is $4,419.
  • The average homeowners insurance cost in Florida is $1,818 more than the national average.
  • Travelers provides the cheapest homeowners insurance in Florida at about $1,775 a year.

What is the average cost of homeowners insurance by state?

Average home insurance rates by state differ substantially, ranging from the low-end average home insurance cost in Hawaii of $613 to the highest average cost in the nation of $5,858 in Oklahoma.

“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,” says Kate Terry, co-founder and CEO of Surround Insurance.

So, some coastal states like Florida have a much higher average cost than some inland states like Ohio, but that doesn’t mean that all coastal states are more expensive.

“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.

Insure.com’s study of home insurance rates by state

To determine the average home insurance rates by state, Insure.com analyzed average insurance rates from 62 companies in nearly 35,000 ZIP codes across all 50 states plus Washington, D.C. Rates are based on policy limits of $300,000 in dwelling coverage, with a $1,000 deductible and $300,000 liability limit.

The 10 most expensive states for homeowners insurance

The states with the highest home insurance rates include several inland states that face natural disaster risks such as tornadoes, as well as some coastal states that face risks like hurricanes. Most of these states do not have a high cost of living, which shows how insurance rates depend on more than just local costs to rebuild. 

Table: Most expensive homeowners insurance by state

StateAverage annual premium
Oklahoma$5,858
Kansas$4,843
Nebraska$4,800
Florida$4,419
Colorado$4,099
Arkansas$3,958
Texas$3,851
Louisiana$3,594
Missouri$3,543
South Dakota$3,390

The 10 least expensive states for homeowners insurance

The states with the lowest home insurance rates include several northern states that typically face less risk of catastrophic events like hurricanes. However, even some states with a high cost of living and wildfire risk, such as California, make the list of the states with the lowest home insurance rates due to factors such as state regulation and overall risk compared to other states.

That said, certain risks like earthquake damage are not covered by homeowners insurance, and thus, homeowners in some of these states could end up paying more if they want more comprehensive coverage. Notably, a standard home insurance policy in Hawaii does not cover hurricane damage.

Table: Lowest homeowners insurance rates by state

StateAverage annual premium
Hawaii$613
New Hampshire$1,221
Vermont$1,263
Washington, D.C.$1,342
Delaware$1,384
Maine$1,391
California$1,405
Nevada$1,467
New Jersey$1,526
Washington$1,612

Homeowners insurance rates by state calculator

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

Average Annual Home Insurance Rates In Florida
$5,097 Average rate
$9,995 Highest
rate
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$853 Lowest
rate

Home insurance companies in Florida

Company Average annual rate
Travelers $1,755
Security First Insurance $3,694
Amer Integrity Ins Co of FL $4,051
Heritage Insurance Holdings $4,481
Progressive $4,638
State Farm $4,806
HCI Group Inc $4,887
Allstate $4,916
Nationwide $5,611
Universal Insurance Holding $6,484
FedNat Holding $7,212
Citizens Property Insurance $8,632

How much is homeowners insurance per month in your state?

Homeowners insurance rates vary widely from state to state. Even neighboring states can have differences of several hundred dollars in annual premiums if not more. The rates below are for $300,000 in dwelling coverage and liability with a $1,000 deductible.

Table: Average monthly home insurance rates by state 

States Avg monthly premium
Alabama$262 
Alaska$142 
Arizona$208 
Arkansas$330 
California$117 
Colorado$342 
Connecticut$186 
Delaware$115 
Florida$368 
Georgia$192 
Hawaii$51 
Idaho$163 
Illinois$255 
Indiana$249 
Iowa$221 
Kansas$404 
Kentucky$277 
Louisiana$300 
Maine$116 
Maryland$143 
Massachusetts$137 
Michigan$201 
Minnesota$202 
Mississippi$282 
Missouri$295 
Montana$274 
Nebraska$400 
Nevada$122 
New Hampshire$102 
New Jersey$127 
New Mexico$221 
New York$151 
North Carolina$245 
North Dakota$262 
Ohio$180 
Oklahoma$488 
Oregon$146 
Pennsylvania$159 
Rhode Island$163 
South Carolina$223 
South Dakota$283 
Tennessee$255 
Texas$321 
Utah$150 
Vermont$105 
Virginia$179 
Washington$134 
Washington, D.C.$112 
West Virginia$159 
Wisconsin$139 
Wyoming$158 

Average home insurance rates in your state by dwelling coverage level

Our standard average rates are based on $300,000 in dwelling coverage, but it’s important to note that rates don’t always scale up or down proportionally based on coverage limits. Some states might be more competitive than others at the $300,000 limit, for example, while surpassing more states when it comes to average annual rates at a $1 million limit. That’s why it’s important to compare rates based on your situation.

Table: Average annual home insurance rates in each state by coverage level

State $200,000 $300,000 $400,000 $600,000 $1,000,000
Alaska$1,355$1,708$2,064$2,779$4,098
Alabama$2,391$3,147$3,798$5,144$7,056
Arkansas$3,328$3,958$4,675$6,099$7,768
Arizona$1,906$2,490$3,063$4,086$5,161
California$1,043$1,405$1,772$2,598$4,266
Colorado$3,169$4,099$4,662$5,542$7,384
Connecticut$1,750$2,231$2,707$3,641$4,762
Washington, D.C.$984$1,342$1,703$2,384$3,699
Delaware$1,078$1,384$1,729$2,474$3,406
Florida$3,773$4,419$4,984$5,854$6,574
Georgia$1,760$2,302$2,881$4,006$5,743
Hawaii$461$613$791$1,154$1,831
Iowa$2,022$2,654$3,230$4,388$6,267
Idaho$1,476$1,961$2,449$3,427$5,288
Illinois$2,423$3,062$3,587$4,390$5,752
Indiana$2,313$2,991$3,620$4,451$5,749
Kansas$3,638$4,843$5,688$6,798$8,310
Kentucky$2,486$3,326$4,153$5,182$6,452
Louisiana$2,822$3,594$4,409$5,277$5,979
Massachusetts$1,303$1,640$1,998$2,746$4,168
Maryland$1,318$1,715$2,131$3,028$4,700
Maine$1,021$1,391$1,741$2,510$3,972
Michigan$1,825$2,411$2,956$3,564$4,680
Minnesota$1,828$2,420$2,999$4,308$5,991
Missouri$2,638$3,543$4,114$4,956$6,641
Mississippi$2,646$3,380$3,941$4,700$6,039
Montana$2,523$3,289$3,831$4,271$5,825
North Carolina$2,141$2,941$3,398$4,375$6,031
North Dakota$2,431$3,147$3,898$4,682$6,991
Nebraska$3,809$4,800$5,904$7,365$8,451
New Hampshire$948$1,221$1,488$2,032$3,064
New Jersey$1,171$1,526$1,894$2,619$3,915
New Mexico$1,829$2,647$3,489$4,529$5,908
Nevada$1,093$1,467$1,853$2,707$4,135
New York$1,340$1,816$2,349$3,276$4,904
Ohio$1,805$2,160$2,613$3,265$4,301
Oklahoma$4,442$5,858$7,012$8,426$8,865
Oregon$1,347$1,755$2,185$3,016$4,108
Pennsylvania$1,475$1,911$2,130$2,902$3,908
Rhode Island$1,505$1,950$2,381$3,327$5,235
South Carolina$2,061$2,678$3,219$4,319$5,765
South Dakota$2,607$3,390$3,970$5,353$7,420
Tennessee$2,369$3,060$3,737$4,873$6,573
Texas$2,951$3,851$4,643$5,602$6,799
Utah$1,416$1,802$2,161$2,876$4,201
Virginia$1,645$2,151$2,694$3,430$4,314
Vermont$974$1,263$1,555$2,147$3,269
Washington$1,260$1,612$2,017$2,801$4,314
Wisconsin$1,274$1,662$2,038$2,711$4,091
West Virginia$1,465$1,911$2,354$3,271$5,041
Wyoming$1,351$1,897$2,490$3,703$5,597

Average home insurance rates by company

Looking at the average homeowners insurance cost in each state only tells part of the story. If you want to find the best rates, you need to comparison shop, as different home insurance companies offer different rates by state. Note that while a home insurance company might have lower-than-average rates in one state, that does not always apply to all states.
Table: Average home insurance rates in your state by company

States Top 10 companies Avg monthly premium Avg monthly premium
AlaskaAllstate$1,747$146
AlaskaCountry Financial$1,389$116
AlaskaState Farm$1,764$147
AlaskaUSAA$1,946$162
AlaskaWestern National Mutual$1,216$101
AlabamaAlfa Corporation$3,784$315
AlabamaAllstate$2,134$178
AlabamaAuto-Owners$2,868$239
AlabamaCountry Financial$3,567$297
AlabamaFarmers$3,231$269
AlabamaNationwide$3,465$289
AlabamaState Farm$3,137$261
AlabamaUSAA$2,990$249
ArkansasAllstate$3,418$285
ArkansasAuto-Owners$5,533$461
ArkansasFarm Bureau Mutual Ins Co of AR$3,390$283
ArkansasFarmers$4,578$382
ArkansasNationwide$3,741$312
ArkansasShelter Insurance$4,089$341
ArkansasState Farm$3,199$267
ArkansasTravelers$9,602$800
ArkansasUSAA$3,626$302
ArizonaAllstate$2,507$209
ArizonaAmerican Family$1,780$148
ArizonaFarmers$3,220$268
ArizonaNationwide$1,840$153
ArizonaState Farm$1,585$132
ArizonaTravelers$6,002$500
ArizonaUSAA$1,942$162
CaliforniaAllstate$886$74
CaliforniaAuto Club Enterprises (AAA)$1,325$110
CaliforniaCSAA Insurance (AAA)$1,324$110
CaliforniaFarmers$1,715$143
CaliforniaMercury Insurance$1,388$116
CaliforniaNationwide$1,417$118
CaliforniaState Farm$1,552$129
CaliforniaTravelers$1,097$91
CaliforniaUSAA$1,305$109
ColoradoAllstate$3,246$271
ColoradoAmerican Family$3,484$290
ColoradoFarmers$4,810$401
ColoradoNationwide$5,391$449
ColoradoState Farm$3,199$267
ColoradoUSAA$3,891$324
ConnecticutAmerican Family$2,603$217
ConnecticutAmica Mutual$1,700$142
ConnecticutChubb Ltd$2,336$195
ConnecticutFarmers$2,131$178
ConnecticutNational General Insurance$1,255$105
ConnecticutState Farm$1,708$142
ConnecticutTravelers$5,225$435
ConnecticutUSAA$1,783$149
Washington, D.C.Allstate$1,353$113
Washington, D.C.Chubb Ltd$1,453$121
Washington, D.C.Nationwide$1,334$111
Washington, D.C.State Farm$1,428$119
Washington, D.C.USAA$1,076$90
DelawareAllstate$1,272$106
DelawareAmerican Family$1,587$132
DelawareCumberland Insurance$991$83
DelawareState Farm$1,123$94
DelawareTravelers$1,946$162
FloridaAllstate$4,946$412
FloridaAmer Integrity Ins Co of FL$4,067$339
FloridaCitizens Property Insurance$8,632$719
FloridaFedNat Holding$7,227$602
FloridaHCI Group Inc$4,905$409
FloridaHeritage Insurance Holdings$4,493$374
FloridaNationwide$5,623$469
FloridaProgressive$4,595$383
FloridaSecurity First Insurance$3,720$310
FloridaState Farm$4,826$402
FloridaTravelers$1,775$148
FloridaUniversal Insurance Holding$6,502$542
GeorgiaAllstate$1,589$132
GeorgiaAuto-Owners$1,459$122
GeorgiaFarmers$2,739$228
GeorgiaGeorgia Farm Bureau$2,457$205
GeorgiaNationwide$2,652$221
GeorgiaState Farm$2,765$230
GeorgiaTravelers$2,618$218
GeorgiaUSAA$2,174$181
HawaiiAIG$606$51
HawaiiAllstate$551$46
HawaiiDongbu Insurance$477$40
HawaiiIsland Insurance$663$55
HawaiiOcean Harbor$923$77
HawaiiRLI Insurance$789$66
HawaiiState Farm$420$35
HawaiiTokio Marine Holdings$669$56
HawaiiUniversal Insurance Co$420$35
IowaAllstate$2,867$239
IowaAmerican Family$2,324$194
IowaAuto-Owners$1,890$158
IowaFarmers$3,101$258
IowaIMT Insurance$2,326$194
IowaIowa Farm bureau$3,347$279
IowaNationwide$2,529$211
IowaState Farm$2,432$203
IowaUSAA$2,811$234
IowaWest Bend Mutual$1,545$129
IdahoAllstate$1,766$147
IdahoAmerican Family$1,398$117
IdahoFarm Bureau$3,017$251
IdahoFarmers$1,820$152
IdahoNationwide$1,328$111
IdahoState Farm$2,226$186
IdahoUSAA$2,085$174
IllinoisAllstate$1,753$146
IllinoisAmerican Family$5,088$424
IllinoisAuto-Owners$2,239$187
IllinoisCountry Financial$3,561$297
IllinoisFarmers$3,273$273
IllinoisNationwide$2,068$172
IllinoisState Farm$2,089$174
IllinoisTravelers$7,861$655
IllinoisUSAA$2,243$187
IndianaAllstate$1,186$99
IndianaAmerican Family$2,275$190
IndianaAuto-Owners$3,127$261
IndianaErie Insurance$2,460$205
IndianaFarmers$3,543$295
IndianaIndiana Farm Bureau Grp$4,414$368
IndianaIndiana Farmers$1,679$140
IndianaNationwide$2,809$234
IndianaState Farm$2,267$189
IndianaTravelers$8,092$674
IndianaUSAA$2,435$203
KansasAllstate$4,188$349
KansasAmerican Family$3,751$313
KansasFarmers$4,811$401
KansasIowa Farm bureau$4,197$350
KansasNationwide$7,395$616
KansasShelter Insurance$3,428$286
KansasState Farm$3,611$301
KentuckyAuto-Owners$3,129$261
KentuckyAutomobile Club MI (AAA)$3,434$286
KentuckyCincinnati Insurance$2,248$187
KentuckyGrange Mutual$3,767$314
KentuckyKentucky Farm Bureau$6,071$506
KentuckyNationwide$3,273$273
KentuckyProgressive$2,297$191
KentuckyState Farm$2,727$227
KentuckyWestfield Insurance$2,989$249
LouisianaAllstate$3,421$285
LouisianaFarmers$4,759$397
LouisianaLA Farm bureau$4,665$389
LouisianaProgressive$1,439$120
LouisianaState Farm$5,049$421
LouisianaUSAA$3,094$258
MassachusettsAllstate$2,040$170
MassachusettsAmica Mutual$2,733$228
MassachusettsAndover Insurance$890$74
MassachusettsArbella Insurance$1,492$124
MassachusettsHeritage Insurance Holdings$1,053$88
MassachusettsMapfre Insurance$1,765$147
MassachusettsSafety Insurance$1,687$141
MassachusettsState Farm$1,179$98
MassachusettsTravelers$1,682$140
MassachusettsUSAA$1,840$153
MassachusettsVermont Mutual$1,356$113
MarylandAllstate$1,679$140
MarylandAmerican Family$1,913$159
MarylandChubb Ltd$2,258$188
MarylandErie Insurance$1,683$140
MarylandFarmers$1,560$130
MarylandNationwide$1,909$159
MarylandState Farm$1,126$94
MarylandTravelers$1,456$121
MarylandUSAA$1,780$148
MaineAllstate$1,026$86
MaineAuto-Owners$836$70
MaineChubb Ltd$1,112$93
MaineFarmers$2,267$189
MaineFrankenmuth Insurance$1,323$110
MaineMMG Insurance$1,488$124
MaineQuincy Mutual$1,312$109
MaineState Farm$1,002$84
MaineThe Hanover$2,893$241
MaineVermont Mutual$654$55
MichiganAuto-Owners$426$36
MichiganAutomobile Club MI (AAA)$1,498$125
MichiganFarmers$2,824$235
MichiganFrankenmuth Insurance$1,745$145
MichiganMichigan Farm Bureau$6,265$522
MichiganState Farm$2,036$170
MichiganThe Hanover$3,286$274
MichiganUSAA$2,140$178
MinnesotaAmerican Family$2,447$204
MinnesotaAuto-Owners$1,557$130
MinnesotaAutomobile Club MI (AAA)$1,845$154
MinnesotaCountry Financial$5,166$431
MinnesotaFarmers$2,679$223
MinnesotaNorth Star Mutual$1,925$160
MinnesotaState Farm$2,574$215
MinnesotaWest Bend Mutual$1,686$141
MinnesotaWestern National Mutual$1,641$137
MissouriAllstate$3,743$312
MissouriAmerican Family$3,372$281
MissouriAuto Club Enterprises (AAA)$2,014$168
MissouriFarmers$6,342$529
MissouriNationwide$4,608$384
MissouriShelter Insurance$3,310$276
MissouriState Farm$2,490$208
MissouriUSAA$2,617$218
MississippiAllstate$2,542$212
MississippiFarmers$4,813$401
MississippiNationwide$3,026$252
MississippiSouthern Farm Bureau$2,361$197
MississippiState Farm$3,067$256
MississippiTravelers$8,860$738
MississippiUSAA$2,467$206
MontanaAllstate$3,393$283
MontanaChubb Ltd$1,659$138
MontanaFarmers$3,945$329
MontanaNationwide$2,339$195
MontanaState Farm$2,561$213
MontanaTravelers$7,948$662
MontanaUSAA$2,945$245
North CarolinaErie Insurance$3,611$301
North CarolinaNationwide$3,149$262
North CarolinaNorth Carolina Farm Bureau$2,196$183
North CarolinaState Farm$1,170$98
North CarolinaUSAA$3,346$279
North DakotaAgraria Mutual$2,017$168
North DakotaAllstate$2,641$220
North DakotaAmerican Family$2,435$203
North DakotaAuto-Owners$3,160$263
North DakotaCountry Financial$3,196$266
North DakotaFarmers$4,527$377
North DakotaNodak Insurance$2,562$214
North DakotaNorth Star Mutual$1,895$158
North DakotaState Farm$3,128$261
NebraskaAllstate$4,254$355
NebraskaAmerican Family$3,961$330
NebraskaFarmers$4,824$402
NebraskaFarmers Mutual Ins Co of NE$4,705$392
NebraskaIowa Farm bureau$4,667$389
NebraskaNationwide$6,230$519
NebraskaState Farm$4,527$377
NebraskaTravelers$9,512$793
NebraskaUSAA$5,105$425
New HampshireAllstate$848$71
New HampshireAmica Mutual$796$66
New HampshireAuto-Owners$1,047$87
New HampshireFarmers$1,055$88
New HampshireMMG Insurance$1,896$158
New HampshireNationwide$1,611$134
New HampshirePlymouth Rock Assurance$1,262$105
New HampshireState Farm$1,148$96
New HampshireUSAA$1,363$114
New HampshireVermont Mutual$757$63
New JerseyChubb Ltd$1,189$99
New JerseyFarmers$2,089$174
New JerseyFranklin Mutual$1,410$118
New JerseyHeritage Insurance Holdings$1,792$149
New JerseyNational General Insurance$1,190$99
New JerseyNew Jersey Manufacturers$966$81
New JerseyPlymouth Rock Assurance$2,199$183
New JerseyState Farm$1,214$101
New JerseyUSAA$1,270$106
New MexicoFarmers$3,083$257
New MexicoState Farm$1,775$148
NevadaAmerican Family$1,505$125
NevadaCountry Financial$2,159$180
NevadaCSAA Insurance (AAA)$1,676$140
NevadaFarmers$1,641$137
NevadaNationwide$1,158$97
NevadaState Farm$1,346$112
NevadaUSAA$1,234$103
New YorkAIG$1,564$130
New YorkAllstate$1,876$156
New YorkAmerican Family$914$76
New YorkChubb Ltd$1,987$166
New YorkFarmers$3,330$278
New YorkHeritage Insurance Holdings$1,663$139
New YorkNationwide$1,540$128
New YorkNYCM Insurance$1,108$92
New YorkState Farm$1,264$105
New YorkTravelers$1,606$134
OhioAllstate$1,690$141
OhioAmerican Family$1,893$158
OhioAuto-Owners$1,610$134
OhioErie Insurance$1,885$157
OhioFarmers$2,578$215
OhioGrange Mutual$2,279$190
OhioNationwide$1,902$159
OhioState Farm$1,807$151
OhioTravelers$6,626$552
OhioUSAA$1,548$129
OklahomaAllstate$4,445$370
OklahomaFarmers$7,313$609
OklahomaOklahoma Farm Bureau$4,225$352
OklahomaShelter Insurance$5,473$456
OklahomaState Farm$5,108$426
OklahomaUSAA$6,267$522
OregonAllstate$1,709$142
OregonAmerican Family$1,330$111
OregonCountry Financial$2,750$229
OregonFarmers$2,041$170
OregonNationwide$1,238$103
OregonState Farm$1,294$108
OregonUSAA$1,655$138
PennsylvaniaAllstate$1,180$98
PennsylvaniaErie Insurance$1,367$114
PennsylvaniaFarmers$2,072$173
PennsylvaniaNationwide$1,592$133
PennsylvaniaState Farm$1,424$119
PennsylvaniaTravelers$5,232$436
PennsylvaniaUSAA$1,496$125
Rhode IslandAIG$1,607$134
Rhode IslandAllstate$2,085$174
Rhode IslandAmica Mutual$2,237$186
Rhode IslandAndover Insurance$2,422$202
Rhode IslandNationwide$2,045$170
Rhode IslandPure Companies Grp$1,807$151
Rhode IslandState Farm$1,446$121
South CarolinaAllstate$2,021$168
South CarolinaAuto-Owners$2,293$191
South CarolinaFarmers$3,793$316
South CarolinaProgressive$2,455$205
South CarolinaSouth Carolina Farm Bureau Mutual$2,974$248
South CarolinaState Farm$1,969$164
South CarolinaTravelers$6,217$518
South CarolinaUSAA$1,952$163
South DakotaAllstate$2,698$225
South DakotaAmerican Family$3,465$289
South DakotaAuto-Owners$2,264$189
South DakotaFarmers$4,791$399
South DakotaFarmers Mutual Ins Co of NE$3,005$250
South DakotaIowa Farm bureau$2,892$241
South DakotaNationwide$3,105$259
South DakotaNorth Star Mutual$2,431$203
South DakotaState Farm$3,029$252
South DakotaUSAA$3,662$305
TennesseeAllstate$2,478$207
TennesseeAuto-Owners$2,431$203
TennesseeErie Insurance$3,642$304
TennesseeFarmers$3,772$314
TennesseeProgressive$2,197$183
TennesseeState Farm$2,523$210
TennesseeTennessee Farmers$2,325$194
TennesseeTravelers$6,604$550
TennesseeUSAA$2,122$177
TexasFarmers$3,872$323
TexasNationwide$5,495$458
TexasProgressive$4,095$341
TexasState Farm$3,725$310
TexasUSAA$3,263$272
UtahAmerican Family$1,260$105
UtahAuto-Owners$1,761$147
UtahFarmers$1,537$128
UtahNationwide$1,260$105
UtahState Farm$1,078$90
UtahUSAA$2,464$205
VirginiaAllstate$1,857$155
VirginiaAmerican Family$871$73
VirginiaErie Insurance$1,706$142
VirginiaFarmers$3,186$266
VirginiaNationwide$1,732$144
VirginiaProgressive$1,363$114
VirginiaState Farm$1,451$121
VirginiaTravelers$5,116$426
VirginiaVirginia Farm Bureau$1,080$90
VermontAllstate$798$67
VermontAuto-Owners$793$66
VermontCo-operative Insurance$1,231$103
VermontFarmers$1,868$156
VermontState Farm$1,258$105
VermontTravelers$3,024$252
VermontUnion Mutual$1,232$103
VermontUSAA$1,008$84
VermontVermont Mutual$712$59
WashingtonAllstate$1,213$101
WashingtonFarmers$1,598$133
WashingtonNationwide$987$82
WashingtonPEMCO$1,079$90
WashingtonState Farm$1,522$127
WashingtonUSAA$2,352$196
WisconsinAcuity A Mutual Ins Co$1,780$148
WisconsinAllstate$1,332$111
WisconsinAmerican Family$2,359$197
WisconsinAuto-Owners$1,945$162
WisconsinFarmers$1,815$151
WisconsinNationwide$1,575$131
WisconsinSecura Insurance$1,451$121
WisconsinState Farm$1,496$125
WisconsinUSAA$1,658$138
WisconsinWest Bend Mutual$1,063$89
West VirginiaAllstate$1,720$143
West VirginiaAutomobile Club MI (AAA)$1,888$157
West VirginiaErie Insurance$2,138$178
West VirginiaNationwide$1,721$143
West VirginiaProgressive$2,676$223
West VirginiaState Farm$1,793$149
West VirginiaUSAA$1,218$102
West VirginiaWestfield Insurance$2,137$178
WyomingAllstate$2,847$237
WyomingFarmers$2,301$192
WyomingNationwide$1,174$98
WyomingState Farm$1,727$144
WyomingUSAA$1,436$120

*USAA is only available to military members, veterans and their families.

How have home insurance rates changed in each state year over year?

In general, homeowners insurance rates have trended upward in recent years. Based on available data from 2019, 2022 and 2023, we have seen average homeowners insurance rates in the U.S. increase steadily in most states. However, the same pace does not apply in all states, with a few, like Alaska and Vermont, actually seeing an overall decrease.

Table: Home insurance rate trends: 2019-2023

State 2019 2022 2023
Alaska$1,482 $1,880 $1,708 
Alabama$2,971 $3,066 $3,147 
Arkansas$3,376 $4,073 $3,958 
Arizona$1,785 $1,966 $2,490 
California$1,166 $1,380 $1,405 
Colorado$3,141 $3,388 $4,099 
Connecticut$1,774 $2,100 $2,231 
Washington, D.C.$1,260 $1,203 $1,342 
Delaware$1,219 $1,389 $1,384 
Florida$4,037 $4,218 $4,419 
Georgia$2,061 $2,163 $2,302 
Hawaii$499 $582 $613 
Iowa$2,152 $2,402 $2,654 
Idaho$1,463 $1,892 $1,961 
Illinois$1,900 $2,604 $3,062 
Indiana$2,057 $2,721 $2,991 
Kansas$4,458 $4,665 $4,843 
Kentucky$2,639 $3,163 $3,326 
Louisiana$3,767 $3,481 $3,594 
Massachusetts$1,937 $1,518 $1,640 
Maryland$1,474 $1,630 $1,715 
Maine$1,550 $1,407 $1,391 
Michigan$1,909 $2,319 $2,411 
Minnesota$2,529 $2,327 $2,420 
Missouri$2,933 $3,349 $3,543 
Mississippi$3,195 $3,398 $3,380 
Montana$2,732 $2,874 $3,289 
North Carolina$1,886 $2,768 $2,941 
North Dakota$2,259 $2,946 $3,147 
Nebraska$3,440 $4,624 $4,800 
New Hampshire$1,109 $1,144 $1,221 
New Jersey$1,454 $1,299 $1,526 
New Mexico$2,230 $2,542 $2,647 
Nevada$1,220 $1,457 $1,467 
New York$1,659 $1,728 $1,816 
Ohio$1,713 $2,017 $2,160 
Oklahoma$4,342 $4,945 $5,858 
Oregon$1,119 $1,503 $1,755 
Pennsylvania$1,238 $1,760 $1,911 
Rhode Island$1,891 $1,774 $1,950 
South Carolina$2,552 $2,727 $2,678 
South Dakota$3,059 $3,529 $3,390 
Tennessee$2,998 $2,870 $3,060 
Texas$3,531 $3,418 $3,851 
Utah$1,126 $1,421 $1,802 
Virginia$1,717 $1,999 $2,151 
Vermont$929 $1,175 $1,263 
Washington$1,288 $1,659 $1,612 
Wisconsin$1,454 $1,508 $1,662 
West Virginia$1,885 $1,801 $1,911 
Wyoming$1,696 $1,858 $1,897 

Will homeowners insurance go down in 2024?

Average homeowners insurance premiums are unlikely to go down in 2024, although homeowners may get a reprieve from the steep climb.

“Unfortunately, homeowners insurance rates are likely to continue to rise throughout 2024, though probably at a slower pace than over the past year or two. Insurance companies increased prices significantly through 2023 and have gotten closer to profitability. Inflation has also fallen, and these trends moderate rate increases,” Terry says. “However, severe weather events show no sign of slowing down, and costs to rebuild, driven by materials and construction labor costs, continue to increase. That means that we will keep seeing our homeowners insurance bills go up.

”However, even if you face increasing homeowners insurance premiums in your state, there are still steps you can take to save money.“

The easiest is to get some quotes that bundle your auto and home insurance together. This can save up to 20% overall on your insurance, though it’s still worth getting a few quotes for home and auto, together and separately, to make sure that’s the case,” Terry says.

Making some home improvements or adding technology can also lower insurance premiums, such as installing alarm systems or water leak detection devices.

“And, especially in hurricane-exposed areas, there are discounts for reinforcing your home to make it more wind resistant. It’s worth asking if your current insurer has any programs that help make your home safer; some of them will even provide the devices for your home,” Terry says.

Is homeowners insurance required in any state?

Homeowners insurance is not required by law in any state. However, lenders require homeowners to carry home insurance as a condition for obtaining a mortgage. Even if you are not required to carry homeowners insurance (if you don’t have a mortgage, for example), consider the risks of being uninsured. Most people can’t afford to replace their homes and possessions out of pocket, and insurance is the best way to protect both.

Final thoughts on average home insurance rates by state

Don’t assume that a state with a low cost of living also has low home insurance rates, or vice versa. The average homeowners insurance cost by state depends on several factors beyond just rebuilding costs, such as the risk of catastrophic events like hurricanes and tornadoes. But even if your state faces high homeowners insurance costs on average, you can find ways to save money, starting with comparison shopping for the best home insurance company in your state.

Methodology

Insure.com analyzed home insurance rates provided by Quadrant Data Services in 2024 for all 50 states and Washington, D.C. Rates were fielded from 34,588 ZIP codes at multiple coverage levels to calculate averages for each state as well as nationwide. Coverage levels are dwelling coverage of $200,000, $300,000, $400,000, $600,000 and $1,000,000 with liability at $300,000 and a $1,000 deductible. A 2% hurricane deductible was applied in states where it is available.

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What our expert says

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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.”