Home Insurance Homeowners insurance rates by state in 2024 Homeowners insurance rates vary by several thousand dollars from state to state. The average cost nationwide is $2,601, but rates can be as low as $613 in Hawaii and as high as $5,858 in Oklahoma. View Carriers Please enter valid zip Compare top carriers in your area Written by Jake Safane Jake Safane Jake Safane is a freelance writer specializing in finance and sustainability. He has worked as a thought leadership editor at The Economist, and his writing has appeared in publications such as CBS MoneyWatch, Business Insider, and the Los Angeles Times. | Reviewed by Leslie Kasperowicz Leslie Kasperowicz Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at Insurance.com. | Expert insight from Kate Terry Kate Terry Co-founder and CEO of Surround Insurance.Go to comment | Updated on: October 21, 2024 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. 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. For instance, Oklahoma, Kansas, and Nebraska are the top three states with highest home insurance rates. Whereas Hawaii, New Hampshire, and Vermont are the top three states with lowest home insurance rates. 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 Select your state Florida AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWashington, D.C.West VirginiaWisconsinWyoming 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. Read more about Florida home insurance 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. To determine the average home insurance rates by state, we 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. StateAverage annual premiumOklahoma$5,858Kansas$4,843Nebraska$4,800Florida$4,419Colorado$4,099Arkansas$3,958Texas$3,851Louisiana$3,594Missouri$3,543South 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. StateAverage annual premiumHawaii$613New Hampshire$1,221Vermont$1,263Washington, D.C.$1,342Delaware$1,384Maine$1,391California$1,405Nevada$1,467New Jersey$1,526Washington$1,612 Homeowners insurance rates by state calculator See how the average annual home insurance rates vary with the options chosen. State AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWashington, D.C.West VirginiaWisconsinWyoming Dwelling 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. $200,000$300,000$400,000$600,000$1,000,000 Liability 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 $100,000 or $300,000 are recommended. $100,000$300,000 Deductible Standard ($1000)Hurricane (2% of insured value) Filter Average Annual Home Insurance Rates In Florida $5,097 Average rate $9,995 Highest rate The estimated highest premium in Florida $853 Lowest rate The estimated lowest premium in Florida START SHOPPING NOW 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. States Average 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. State $200,000 $300,000 $400,000 $600,000 $1,000,000 Alaska$1,355$1,708$2,064$2,779$4,098Alabama$2,391$3,147$3,798$5,144$7,056Arkansas$3,328$3,958$4,675$6,099$7,768Arizona$1,906$2,490$3,063$4,086$5,161California$1,043$1,405$1,772$2,598$4,266Colorado$3,169$4,099$4,662$5,542$7,384Connecticut$1,750$2,231$2,707$3,641$4,762Washington, D.C.$984$1,342$1,703$2,384$3,699Delaware$1,078$1,384$1,729$2,474$3,406Florida$3,773$4,419$4,984$5,854$6,574Georgia$1,760$2,302$2,881$4,006$5,743Hawaii$461$613$791$1,154$1,831Iowa$2,022$2,654$3,230$4,388$6,267Idaho$1,476$1,961$2,449$3,427$5,288Illinois$2,423$3,062$3,587$4,390$5,752Indiana$2,313$2,991$3,620$4,451$5,749Kansas$3,638$4,843$5,688$6,798$8,310Kentucky$2,486$3,326$4,153$5,182$6,452Louisiana$2,822$3,594$4,409$5,277$5,979Massachusetts$1,303$1,640$1,998$2,746$4,168Maryland$1,318$1,715$2,131$3,028$4,700Maine$1,021$1,391$1,741$2,510$3,972Michigan$1,825$2,411$2,956$3,564$4,680Minnesota$1,828$2,420$2,999$4,308$5,991Missouri$2,638$3,543$4,114$4,956$6,641Mississippi$2,646$3,380$3,941$4,700$6,039Montana$2,523$3,289$3,831$4,271$5,825North Carolina$2,141$2,941$3,398$4,375$6,031North Dakota$2,431$3,147$3,898$4,682$6,991Nebraska$3,809$4,800$5,904$7,365$8,451New Hampshire$948$1,221$1,488$2,032$3,064New Jersey$1,171$1,526$1,894$2,619$3,915New Mexico$1,829$2,647$3,489$4,529$5,908Nevada$1,093$1,467$1,853$2,707$4,135New York$1,340$1,816$2,349$3,276$4,904Ohio$1,805$2,160$2,613$3,265$4,301Oklahoma$4,442$5,858$7,012$8,426$8,865Oregon$1,347$1,755$2,185$3,016$4,108Pennsylvania$1,475$1,911$2,130$2,902$3,908Rhode Island$1,505$1,950$2,381$3,327$5,235South Carolina$2,061$2,678$3,219$4,319$5,765South Dakota$2,607$3,390$3,970$5,353$7,420Tennessee$2,369$3,060$3,737$4,873$6,573Texas$2,951$3,851$4,643$5,602$6,799Utah$1,416$1,802$2,161$2,876$4,201Virginia$1,645$2,151$2,694$3,430$4,314Vermont$974$1,263$1,555$2,147$3,269Washington$1,260$1,612$2,017$2,801$4,314Wisconsin$1,274$1,662$2,038$2,711$4,091West Virginia$1,465$1,911$2,354$3,271$5,041Wyoming$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. States Top 10 companies Average monthly premium Average monthly premium AlaskaAllstate$1,747$146AlaskaCountry Financial$1,389$116AlaskaState Farm$1,764$147AlaskaUSAA$1,946$162AlaskaWestern National Mutual$1,216$101AlabamaAlfa Corporation$3,784$315AlabamaAllstate$2,134$178AlabamaAuto-Owners$2,868$239AlabamaCountry Financial$3,567$297AlabamaFarmers$3,231$269AlabamaNationwide$3,465$289AlabamaState Farm$3,137$261AlabamaUSAA$2,990$249ArkansasAllstate$3,418$285ArkansasAuto-Owners$5,533$461ArkansasFarm Bureau Mutual Ins Co of AR$3,390$283ArkansasFarmers$4,578$382ArkansasNationwide$3,741$312ArkansasShelter Insurance$4,089$341ArkansasState Farm$3,199$267ArkansasTravelers$9,602$800ArkansasUSAA$3,626$302ArizonaAllstate$2,507$209ArizonaAmerican Family$1,780$148ArizonaFarmers$3,220$268ArizonaNationwide$1,840$153ArizonaState Farm$1,585$132ArizonaTravelers$6,002$500ArizonaUSAA$1,942$162CaliforniaAllstate$886$74CaliforniaAuto Club Enterprises (AAA)$1,325$110CaliforniaCSAA Insurance (AAA)$1,324$110CaliforniaFarmers$1,715$143CaliforniaMercury Insurance$1,388$116CaliforniaNationwide$1,417$118CaliforniaState Farm$1,552$129CaliforniaTravelers$1,097$91CaliforniaUSAA$1,305$109ColoradoAllstate$3,246$271ColoradoAmerican Family$3,484$290ColoradoFarmers$4,810$401ColoradoNationwide$5,391$449ColoradoState Farm$3,199$267ColoradoUSAA$3,891$324ConnecticutAmerican Family$2,603$217ConnecticutAmica Mutual$1,700$142ConnecticutChubb Ltd$2,336$195ConnecticutFarmers$2,131$178ConnecticutNational General Insurance$1,255$105ConnecticutState Farm$1,708$142ConnecticutTravelers$5,225$435ConnecticutUSAA$1,783$149Washington, D.C.Allstate$1,353$113Washington, D.C.Chubb Ltd$1,453$121Washington, D.C.Nationwide$1,334$111Washington, D.C.State Farm$1,428$119Washington, D.C.USAA$1,076$90DelawareAllstate$1,272$106DelawareAmerican Family$1,587$132DelawareCumberland Insurance$991$83DelawareState Farm$1,123$94DelawareTravelers$1,946$162FloridaAllstate$4,946$412FloridaAmer Integrity Ins Co of FL$4,067$339FloridaCitizens Property Insurance$8,632$719FloridaFedNat Holding$7,227$602FloridaHCI Group Inc$4,905$409FloridaHeritage Insurance Holdings$4,493$374FloridaNationwide$5,623$469FloridaProgressive$4,595$383FloridaSecurity First Insurance$3,720$310FloridaState Farm$4,826$402FloridaTravelers$1,775$148FloridaUniversal Insurance Holding$6,502$542GeorgiaAllstate$1,589$132GeorgiaAuto-Owners$1,459$122GeorgiaFarmers$2,739$228GeorgiaGeorgia Farm Bureau$2,457$205GeorgiaNationwide$2,652$221GeorgiaState Farm$2,765$230GeorgiaTravelers$2,618$218GeorgiaUSAA$2,174$181HawaiiAIG$606$51HawaiiAllstate$551$46HawaiiDongbu Insurance$477$40HawaiiIsland Insurance$663$55HawaiiOcean Harbor$923$77HawaiiRLI Insurance$789$66HawaiiState Farm$420$35HawaiiTokio Marine Holdings$669$56HawaiiUniversal Insurance Co$420$35IowaAllstate$2,867$239IowaAmerican Family$2,324$194IowaAuto-Owners$1,890$158IowaFarmers$3,101$258IowaIMT Insurance$2,326$194IowaIowa Farm bureau$3,347$279IowaNationwide$2,529$211IowaState Farm$2,432$203IowaUSAA$2,811$234IowaWest Bend Mutual$1,545$129IdahoAllstate$1,766$147IdahoAmerican Family$1,398$117IdahoFarm Bureau$3,017$251IdahoFarmers$1,820$152IdahoNationwide$1,328$111IdahoState Farm$2,226$186IdahoUSAA$2,085$174IllinoisAllstate$1,753$146IllinoisAmerican Family$5,088$424IllinoisAuto-Owners$2,239$187IllinoisCountry Financial$3,561$297IllinoisFarmers$3,273$273IllinoisNationwide$2,068$172IllinoisState Farm$2,089$174IllinoisTravelers$7,861$655IllinoisUSAA$2,243$187IndianaAllstate$1,186$99IndianaAmerican Family$2,275$190IndianaAuto-Owners$3,127$261IndianaErie Insurance$2,460$205IndianaFarmers$3,543$295IndianaIndiana Farm Bureau Grp$4,414$368IndianaIndiana Farmers$1,679$140IndianaNationwide$2,809$234IndianaState Farm$2,267$189IndianaTravelers$8,092$674IndianaUSAA$2,435$203KansasAllstate$4,188$349KansasAmerican Family$3,751$313KansasFarmers$4,811$401KansasIowa Farm bureau$4,197$350KansasNationwide$7,395$616KansasShelter Insurance$3,428$286KansasState Farm$3,611$301KentuckyAuto-Owners$3,129$261KentuckyAutomobile Club MI (AAA)$3,434$286KentuckyCincinnati Insurance$2,248$187KentuckyGrange Mutual$3,767$314KentuckyKentucky Farm Bureau$6,071$506KentuckyNationwide$3,273$273KentuckyProgressive$2,297$191KentuckyState Farm$2,727$227KentuckyWestfield Insurance$2,989$249LouisianaAllstate$3,421$285LouisianaFarmers$4,759$397LouisianaLA Farm bureau$4,665$389LouisianaProgressive$1,439$120LouisianaState Farm$5,049$421LouisianaUSAA$3,094$258MassachusettsAllstate$2,040$170MassachusettsAmica Mutual$2,733$228MassachusettsAndover Insurance$890$74MassachusettsArbella Insurance$1,492$124MassachusettsHeritage Insurance Holdings$1,053$88MassachusettsMapfre Insurance$1,765$147MassachusettsSafety Insurance$1,687$141MassachusettsState Farm$1,179$98MassachusettsTravelers$1,682$140MassachusettsUSAA$1,840$153MassachusettsVermont Mutual$1,356$113MarylandAllstate$1,679$140MarylandAmerican Family$1,913$159MarylandChubb Ltd$2,258$188MarylandErie Insurance$1,683$140MarylandFarmers$1,560$130MarylandNationwide$1,909$159MarylandState Farm$1,126$94MarylandTravelers$1,456$121MarylandUSAA$1,780$148MaineAllstate$1,026$86MaineAuto-Owners$836$70MaineChubb Ltd$1,112$93MaineFarmers$2,267$189MaineFrankenmuth Insurance$1,323$110MaineMMG Insurance$1,488$124MaineQuincy Mutual$1,312$109MaineState Farm$1,002$84MaineThe Hanover$2,893$241MaineVermont Mutual$654$55MichiganAuto-Owners$426$36MichiganAutomobile Club MI (AAA)$1,498$125MichiganFarmers$2,824$235MichiganFrankenmuth Insurance$1,745$145MichiganMichigan Farm Bureau$6,265$522MichiganState Farm$2,036$170MichiganThe Hanover$3,286$274MichiganUSAA$2,140$178MinnesotaAmerican Family$2,447$204MinnesotaAuto-Owners$1,557$130MinnesotaAutomobile Club MI (AAA)$1,845$154MinnesotaCountry Financial$5,166$431MinnesotaFarmers$2,679$223MinnesotaNorth Star Mutual$1,925$160MinnesotaState Farm$2,574$215MinnesotaWest Bend Mutual$1,686$141MinnesotaWestern National Mutual$1,641$137MissouriAllstate$3,743$312MissouriAmerican Family$3,372$281MissouriAuto Club Enterprises (AAA)$2,014$168MissouriFarmers$6,342$529MissouriNationwide$4,608$384MissouriShelter Insurance$3,310$276MissouriState Farm$2,490$208MissouriUSAA$2,617$218MississippiAllstate$2,542$212MississippiFarmers$4,813$401MississippiNationwide$3,026$252MississippiSouthern Farm Bureau$2,361$197MississippiState Farm$3,067$256MississippiTravelers$8,860$738MississippiUSAA$2,467$206MontanaAllstate$3,393$283MontanaChubb Ltd$1,659$138MontanaFarmers$3,945$329MontanaNationwide$2,339$195MontanaState Farm$2,561$213MontanaTravelers$7,948$662MontanaUSAA$2,945$245North CarolinaErie Insurance$3,611$301North CarolinaNationwide$3,149$262North CarolinaNorth Carolina Farm Bureau$2,196$183North CarolinaState Farm$1,170$98North CarolinaUSAA$3,346$279North DakotaAgraria Mutual$2,017$168North DakotaAllstate$2,641$220North DakotaAmerican Family$2,435$203North DakotaAuto-Owners$3,160$263North DakotaCountry Financial$3,196$266North DakotaFarmers$4,527$377North DakotaNodak Insurance$2,562$214North DakotaNorth Star Mutual$1,895$158North DakotaState Farm$3,128$261NebraskaAllstate$4,254$355NebraskaAmerican Family$3,961$330NebraskaFarmers$4,824$402NebraskaFarmers Mutual Ins Co of NE$4,705$392NebraskaIowa Farm bureau$4,667$389NebraskaNationwide$6,230$519NebraskaState Farm$4,527$377NebraskaTravelers$9,512$793NebraskaUSAA$5,105$425New HampshireAllstate$848$71New HampshireAmica Mutual$796$66New HampshireAuto-Owners$1,047$87New HampshireFarmers$1,055$88New HampshireMMG Insurance$1,896$158New HampshireNationwide$1,611$134New HampshirePlymouth Rock Assurance$1,262$105New HampshireState Farm$1,148$96New HampshireUSAA$1,363$114New HampshireVermont Mutual$757$63New JerseyChubb Ltd$1,189$99New JerseyFarmers$2,089$174New JerseyFranklin Mutual$1,410$118New JerseyHeritage Insurance Holdings$1,792$149New JerseyNational General Insurance$1,190$99New JerseyNew Jersey Manufacturers$966$81New JerseyPlymouth Rock Assurance$2,199$183New JerseyState Farm$1,214$101New JerseyUSAA$1,270$106New MexicoFarmers$3,083$257New MexicoState Farm$1,775$148NevadaAmerican Family$1,505$125NevadaCountry Financial$2,159$180NevadaCSAA Insurance (AAA)$1,676$140NevadaFarmers$1,641$137NevadaNationwide$1,158$97NevadaState Farm$1,346$112NevadaUSAA$1,234$103New YorkAIG$1,564$130New YorkAllstate$1,876$156New YorkAmerican Family$914$76New YorkChubb Ltd$1,987$166New YorkFarmers$3,330$278New YorkHeritage Insurance Holdings$1,663$139New YorkNationwide$1,540$128New YorkNYCM Insurance$1,108$92New YorkState Farm$1,264$105New YorkTravelers$1,606$134OhioAllstate$1,690$141OhioAmerican Family$1,893$158OhioAuto-Owners$1,610$134OhioErie Insurance$1,885$157OhioFarmers$2,578$215OhioGrange Mutual$2,279$190OhioNationwide$1,902$159OhioState Farm$1,807$151OhioTravelers$6,626$552OhioUSAA$1,548$129OklahomaAllstate$4,445$370OklahomaFarmers$7,313$609OklahomaOklahoma Farm Bureau$4,225$352OklahomaShelter Insurance$5,473$456OklahomaState Farm$5,108$426OklahomaUSAA$6,267$522OregonAllstate$1,709$142OregonAmerican Family$1,330$111OregonCountry Financial$2,750$229OregonFarmers$2,041$170OregonNationwide$1,238$103OregonState Farm$1,294$108OregonUSAA$1,655$138PennsylvaniaAllstate$1,180$98PennsylvaniaErie Insurance$1,367$114PennsylvaniaFarmers$2,072$173PennsylvaniaNationwide$1,592$133PennsylvaniaState Farm$1,424$119PennsylvaniaTravelers$5,232$436PennsylvaniaUSAA$1,496$125Rhode IslandAIG$1,607$134Rhode IslandAllstate$2,085$174Rhode IslandAmica Mutual$2,237$186Rhode IslandAndover Insurance$2,422$202Rhode IslandNationwide$2,045$170Rhode IslandPure Companies Grp$1,807$151Rhode IslandState Farm$1,446$121South CarolinaAllstate$2,021$168South CarolinaAuto-Owners$2,293$191South CarolinaFarmers$3,793$316South CarolinaProgressive$2,455$205South CarolinaSouth Carolina Farm Bureau Mutual$2,974$248South CarolinaState Farm$1,969$164South CarolinaTravelers$6,217$518South CarolinaUSAA$1,952$163South DakotaAllstate$2,698$225South DakotaAmerican Family$3,465$289South DakotaAuto-Owners$2,264$189South DakotaFarmers$4,791$399South DakotaFarmers Mutual Ins Co of NE$3,005$250South DakotaIowa Farm bureau$2,892$241South DakotaNationwide$3,105$259South DakotaNorth Star Mutual$2,431$203South DakotaState Farm$3,029$252South DakotaUSAA$3,662$305TennesseeAllstate$2,478$207TennesseeAuto-Owners$2,431$203TennesseeErie Insurance$3,642$304TennesseeFarmers$3,772$314TennesseeProgressive$2,197$183TennesseeState Farm$2,523$210TennesseeTennessee Farmers$2,325$194TennesseeTravelers$6,604$550TennesseeUSAA$2,122$177TexasFarmers$3,872$323TexasNationwide$5,495$458TexasProgressive$4,095$341TexasState Farm$3,725$310TexasUSAA$3,263$272UtahAmerican Family$1,260$105UtahAuto-Owners$1,761$147UtahFarmers$1,537$128UtahNationwide$1,260$105UtahState Farm$1,078$90UtahUSAA$2,464$205VirginiaAllstate$1,857$155VirginiaAmerican Family$871$73VirginiaErie Insurance$1,706$142VirginiaFarmers$3,186$266VirginiaNationwide$1,732$144VirginiaProgressive$1,363$114VirginiaState Farm$1,451$121VirginiaTravelers$5,116$426VirginiaVirginia Farm Bureau$1,080$90VermontAllstate$798$67VermontAuto-Owners$793$66VermontCo-operative Insurance$1,231$103VermontFarmers$1,868$156VermontState Farm$1,258$105VermontTravelers$3,024$252VermontUnion Mutual$1,232$103VermontUSAA$1,008$84VermontVermont Mutual$712$59WashingtonAllstate$1,213$101WashingtonFarmers$1,598$133WashingtonNationwide$987$82WashingtonPEMCO$1,079$90WashingtonState Farm$1,522$127WashingtonUSAA$2,352$196WisconsinAcuity A Mutual Ins Co$1,780$148WisconsinAllstate$1,332$111WisconsinAmerican Family$2,359$197WisconsinAuto-Owners$1,945$162WisconsinFarmers$1,815$151WisconsinNationwide$1,575$131WisconsinSecura Insurance$1,451$121WisconsinState Farm$1,496$125WisconsinUSAA$1,658$138WisconsinWest Bend Mutual$1,063$89West VirginiaAllstate$1,720$143West VirginiaAutomobile Club MI (AAA)$1,888$157West VirginiaErie Insurance$2,138$178West VirginiaNationwide$1,721$143West VirginiaProgressive$2,676$223West VirginiaState Farm$1,793$149West VirginiaUSAA$1,218$102West VirginiaWestfield Insurance$2,137$178WyomingAllstate$2,847$237WyomingFarmers$2,301$192WyomingNationwide$1,174$98WyomingState Farm$1,727$144WyomingUSAA$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. 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. 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.” 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 ($1,867/year) Anchorage|Fairbanks|Juneau|Sitka|Wasilla Alabama ($2,882/year) Beaverton|Gardendale|Huntsville|Mobile|Tuscaloosa Arkansas ($4,062/year) Fayetteville|Fort Smith|Jonesboro|Little Rock Arizona ($1,947/year) Chandler|Gilbert|Mesa|Phoenix|Tucson California ($1,357/year) Anaheim|Brisbane|Chino|Clovis|Costa Mesa|Huntington Beach|Los Angeles|San Francisco|Santa Clarita|Temecula Colorado ($3,376/year) Arvada|Colorado Springs|Mesa Connecticut ($2,165/year) Bridgeport|Hartford|New Haven|Stamford|Waterbury Washington D.C. ($1,203/year) Delaware ($1,230/year) Dover|Middletown|Newark|Smyrna|Wilmington Florida ($2,260/year) Boca Raton|Fort Lauderdale|Havana|Melbourne|Mount Dora|Pensacola|San Antonio|Sydney|Tampa Georgia ($2,375/year) Atlanta|Columbus|Savannah Hawaii ($562/year) Iowa ($2,389/year) Cedar Rapids|Davenport|Des Moines Idaho ($1,879/year) Caldwell|Idaho Falls|Meridian|Nampa Illinois ($2,589/year) Aurora|Chicago|Joliet|Naperville|Rockford Indiana ($2,707/year) Evansville|Fishers|Fort Wayne|Indianapolis|South Bend Kansas ($4,648/year) Olathe|Overland Park|Topeka|Wichita Kentucky ($3,153/year) Bowling Green|Covington|Owensboro Louisiana ($2,843/year) Baton Rouge|Lafayette|Lake Charles|New Orleans|Shreveport Massachusetts ($1,583/year) Boston|Leeds|Milton|Norfolk|Richmond|Rochdale|Springfield|Tewksbury|Wilmington|Worcester Maryland ($1,685/year) Baltimore|Bowie|Frederick|Gaithersburg|Rockville Maine ($1,420/year) Auburn|Bangor|Lewiston|Portland|South Portland Michigan ($2,306/year) Ann Arbor|Detroit|Grand Rapids|Sterling Heights|Warren Minnesota ($2,307/year) Bloomington|Duluth|Minneapolis|Rochester|St. Paul Missouri ($3,335/year) Kansas City|Mountain View|Spokane Mississippi ($3,541/year) Biloxi|Gulfport|Hattiesburg|Jackson|Southaven Montana ($2,857/year) Billings|Bozeman|Great Falls|Missoula North Carolina ($2,689/year) Cary|Charlotte|Durham|Fayetteville|Frisco|Greensboro|Nashville|Raleigh|Vaughan|Winston Salem North Dakota ($2,931/year) Bismarck|Fargo|Grand Forks|Minot|West Fargo Nebraska ($4,614/year) Bellevue|Grand Island|Kearney|Lincoln|Omaha New Hampshire ($1,190/year) Concord|Dover|Manchester|Nashua|Rochester New Jersey ($1,245/year) Birmingham|Columbus|Highland Park|Jersey City|Lakewood New Mexico ($2,530/year) Albuquerque|Las Cruces|Rio Rancho|Roswell|Santa Fe Nevada ($1,433/year) Fernley|Incline Village|Las Vegas|Mesquite|Pahrump|Reno|Silver Springs|Sparks|West Wendover|Yerington New York ($1,727/year) Appleton|Atlanta|Bloomington|Denver|Hamilton|Memphis|New York|Philadelphia|Phoenix|Stafford Ohio ($2,005/year) Cincinnati|Fresno|Grand Rapids|Roseville|Toronto Oklahoma ($4,934/year) Broken Arrow|Edmond|Norman|Tulsa Oregon ($1,491/year) Eugene|Gresham|Hillsboro|Portland|Salem Pennsylvania ($1,820/year) Allentown|Erie|Philadelphia|Pittsburgh|Reading Rhode Island ($1,534/year) Cranston|East Providence|Pawtucket|Providence|Warwick South Carolina ($2,751/year) Charleston|Columbia|Mount Pleasant|North Charleston|Rock Hill South Dakota ($3,514/year) Aberdeen|Brookings|Sioux Falls|Watertown Tennessee ($2,857/year) Chattanooga|Clarksville|Knoxville|Memphis Texas ($3,977/year) Austin|Chico|Chula Vista|Dallas|Fort Worth|Houston|Pasadena|Plano|San Antonio|San Diego|Sunnyvale Utah ($1,411/year) Redmond|Santa Clara|South Jordan|West Jordan Virginia ($2,043/year) Ashburn|Carrollton|Markham|Reston|St. Paul|Virginia Beach Vermont ($1,158/year) Barre|Burlington|Essex Junction|Rutland|South Burlington Washington ($1,643/year) Bellevue|Seattle|Spokane|Tacoma|Vancouver Wisconsin ($1,495/year) Green Bay|Kenosha|Madison|Milwaukee West Virginia ($1,781/year) Charleston|Huntington|Morgantown Wyoming ($1,846/year) Casper|Cheyenne|Gillette|Laramie Jake Safane  . .Jake Safane is a freelance writer specializing in finance and sustainability. He has worked as a thought leadership editor at The Economist, and his writing has appeared in publications such as CBS MoneyWatch, Business Insider, and the Los Angeles Times. In case you missed it What is HO-6 condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2024 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Renters insurance quotes: Compare rates Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance rates? Mobile home insurance cost and coverage in 2024 Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance in 2024 How much flood insurance do I need? 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By Lena Borrelli Condo insurance calculator: Estimate the cost of coverage By Jessica Olson Average homeowners insurance cost by ZIP code in 2024 By Barry Eitel How to find a homeowners insurance policy By Shivani Gite On this page What is the average cost of homeowners insurance by state?Average home insurance rates by companyHow have home insurance rates changed in each state year over year?Will homeowners insurance go down in 2024?Is homeowners insurance required in any state?Final thoughts on average home insurance rates by stateMethodologyWhat our expert says ZIP Code Please enter valid ZIP See rates