Homeowners insurance cost by state
The average home insurance premium is $2,872 a year ($239 a month) for a $300,000 house with a $1,000 deductible. Florida pays $8,471; Hawaii pays $738. Pick your state and coverage to see the yearly cost next to the mortgage.
Your home
Result
Every state, most to least expensive
| # | State | Per year | Per month | vs national | Year-over-year |
|---|---|---|---|---|---|
| 1 | Florida | $8,471 | $706 | +195% | — |
| 2 | Nebraska | $5,513 | $459 | +92% | -5% |
| 3 | Colorado | $5,511 | $459 | +92% | — |
| 4 | Oklahoma | $5,378 | $448 | +87% | — |
| 5 | Kansas | $5,289 | $441 | +84% | — |
| 6 | Louisiana | $5,185 | $432 | +81% | +58% |
| 7 | Texas | $4,582 | $382 | +60% | — |
| 8 | Kentucky | $4,471 | $373 | +56% | +33% |
| 9 | North Carolina | $3,799 | $317 | +32% | — |
| 10 | Missouri | $3,783 | $315 | +32% | — |
| 11 | South Dakota | $3,740 | $312 | +30% | — |
| 12 | Alabama | $3,716 | $310 | +29% | — |
| 13 | New Mexico | $3,497 | $291 | +22% | — |
| 14 | Minnesota | $3,333 | $278 | +16% | +29% |
| 15 | Montana | $3,221 | $268 | +12% | — |
| 16 | Tennessee | $3,198 | $266 | +11% | — |
| 17 | Arkansas | $3,195 | $266 | +11% | — |
| 18 | Iowa | $3,148 | $262 | +10% | — |
| 19 | Michigan | $3,071 | $256 | +7% | +48% |
| 20 | South Carolina | $2,870 | $239 | -0% | — |
| 21 | Indiana | $2,869 | $239 | -0% | — |
| 22 | North Dakota | $2,846 | $237 | -1% | — |
| 23 | Illinois | $2,802 | $234 | -2% | — |
| 24 | Mississippi | $2,602 | $217 | -9% | — |
| 25 | Idaho | $2,412 | $201 | -16% | — |
| 26 | Arizona | $2,397 | $200 | -17% | — |
| 27 | Rhode Island | $2,379 | $198 | -17% | — |
| 28 | Georgia | $2,301 | $192 | -20% | — |
| 29 | Maryland | $2,242 | $187 | -22% | — |
| 30 | Connecticut | $2,132 | $178 | -26% | — |
| 31 | Massachusetts | $2,112 | $176 | -26% | — |
| 32 | Ohio | $2,109 | $176 | -27% | — |
| 33 | Wyoming | $2,075 | $173 | -28% | — |
| 34 | West Virginia | $1,961 | $163 | -32% | — |
| 35 | Virginia | $1,939 | $162 | -32% | +37% |
| 36 | Nevada | $1,876 | $156 | -35% | — |
| 37 | New York | $1,844 | $154 | -36% | — |
| 38 | Wisconsin | $1,836 | $153 | -36% | — |
| 39 | Utah | $1,771 | $148 | -38% | — |
| 40 | Washington | $1,766 | $147 | -39% | — |
| 41 | California | $1,653 | $138 | -42% | — |
| 42 | Oregon | $1,647 | $137 | -43% | — |
| 43 | District of Columbia | $1,558 | $130 | -46% | — |
| 44 | Alaska | $1,492 | $124 | -48% | — |
| 45 | Delaware | $1,461 | $122 | -49% | — |
| 46 | New Jersey | $1,449 | $121 | -50% | — |
| 47 | Pennsylvania | $1,434 | $120 | -50% | — |
| 48 | New Hampshire | $1,324 | $110 | -54% | — |
| 49 | Maine | $1,299 | $108 | -55% | — |
| 50 | Vermont | $1,017 | $85 | -65% | — |
| 51 | Hawaii | $738 | $62 | -74% | — |
Profile: $300,000 dwelling, $300,000 liability, $1,000 deductible (2% hurricane deductible where it applies), good credit; rates fielded by Quadrant Information Services for Insurance.com, published Sep 15, 2026. Year-over-year change shown only where the source published it. Other 2026 surveys put the national average between $2,285 and $2,490 depending on the coverage amount used.
Why premiums jumped
- Severe weather losses. Hurricanes (FL, LA, TX), hail and wind (OK, KS, NE, CO), wildfire (CA, CO). Reinsurance costs doubled between 2021 and 2024 and insurers passed it through.
- Rebuild costs. Lumber, labor and roofing prices are 30 to 40% above 2019, so the same house costs more to insure for the same coverage.
- Insurer exits. State Farm, Allstate and Farmers paused new policies in California and parts of Florida; fewer bidders means higher quotes and more homes on state plans (Citizens, FAIR).
- Roof age and claims history. Many carriers now refuse or surcharge roofs over 15 years old; a prior claim at the address follows the house for 5 years (CLUE report).
Cutting the premium
- Shop every renewal with an independent agent; the same house gets quotes 40 to 70% apart.
- Raise the deductible to $2,500 or 1% of dwelling: 10 to 20% off.
- Insure the rebuild cost, not the price. Land is not at risk; over-insuring the dwelling is the most common overpayment.
- Roof, wiring, plumbing updates unlock discounts and keep you insurable; many carriers decline roofs over 15 to 20 years old.
- Bundle with the car policy (5 to 25%) and add a monitored alarm or water-leak sensors.
- Check the CLUE report before buying a house: prior claims at the address raise the quote for five years.
Sources: Insurance.com, average home insurance rates by state · NerdWallet, how much is homeowners insurance. Refreshed when the survey republishes.