Homeowners insurance rates by state: See how your state compares in 2026

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The average homeowners insurance cost in the U.S. is $2,601 per year, based on a policy with $300,000 in dwelling coverage, $300,000 in liability, and a $1,000 deductible — but where you live can push that number much higher or lower.

Oklahoma, Kansas, and Nebraska 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 rates vary significantly 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.

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

Average home insurance rates vary significantly by state, ranging from $613 per year in Hawaii to $5,858 per year in Oklahoma.

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.

Top 10 most expensive states for homeowners insurance

When it comes to homeowners insurance, Oklahoma, Kansas, and Nebraska are the states with the highest average rates. Out of the top 10 most expensive states, most are inland states that face natural disaster risks such as tornadoes. Other states, such as Florida, have a higher risk of hurricane damage. 

Although local labour costs and the price of supplies can affect homeowners insurance rates, most of the states with the highest insurance premiums don’t have a high cost of living. In fact, according to the most recent data from the Missouri Economic Research and Information Center, Oklahoma, Kansas, and Arkansas are among the states with the lowest costs of living, highlighting how much insurance rates depend on other factors.

Top 10 most affordable states for homeowners insurance

The cheapest homeowners insurance is typically found in low-risk states like Hawaii, New Hampshire, and Vermont, where average annual premiums can be as low as $613. These states face fewer catastrophic events such as hurricanes or tornadoes, which helps keep insurance costs significantly below the national average. 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.

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 field home insurance rates from major insurers in each state for nearly all ZIP codes in the country for 10 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%. 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 looks very different depending on your state. Residents in Hawaii pay as little as $51 per month, while those in Oklahoma pay up to $488 — a gap driven by disaster risk, rebuilding costs, and local insurer competition.

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

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. For example, doubling your dwelling coverage doesn’t necessarily mean your premium will double, since pricing also depends on risk factors, insurer pricing models, and state-level competition.

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.

How do homeowners insurance rates vary by state and company?

We found that USAA (only available to military members and their families), Allstate, and State Farm were among the cheapest insurers. Still, average rates only go so far. Prices can swing widely depending on where you live and which company you choose, so shopping around really matters. An home insurance company that’s affordable in one state might not be the best deal elsewhere.

What to read next

Average homeowners insurance cost by ZIP code in 2026

Homeowners insurance calculator: Estimate the cost of getting homeowners insurance

Show more

Where homeowners insurance rates rose and fell by state

In general, homeowners insurance rates have trended upward in recent years, particularly in states with higher risks of wildfires, tornadoes, or hurricanes. Over 4.7 million households with a mortgage paid more than $4,000 per year for homeowners insurance in 2024, according to the U.S. Census Bureau’s American Community Survey — a significant increase from the prior year. 

In most states, we saw steady increases in premiums. However, there are some exceptions. In a few states, such as Alaska and Vermont, we actually found that rates decreased. 

Will homeowners insurance premiums go down?

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

“Unfortunately, homeowners insurance rates are likely to continue to rise, though probably at a slower pace than over the past year or two” 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.”

Despite those trends, 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 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.

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

 

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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.

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