{
 "dataset": "US insurance average premiums by state",
 "publisher": {
  "name": "CovRGo (CG Insurance)",
  "url": "https://covrgo.com/",
  "role": "Publisher",
  "is_insurer_agent_or_broker": false,
  "sells_insurance": false,
  "quotes_premiums": false,
  "author": "Paul McCall"
 },
 "licence": "Free to reuse with attribution. No link required.",
 "citation": "CovRGo, \"Insurance cost by state\", https://covrgo.com/auto-insurance-cost-by-state/, accessed 2026-10-28. Underlying data: NAIC average premiums as published by the Insurance Information Institute.",
 "methodology_note": "Average premiums as reported by insurers to state regulators, compiled by the National Association of Insurance Commissioners and published in aggregate by the Insurance Information Institute. Homeowners figures are HO-3 average annual premium. Renters likewise. Auto figures are average expenditure per insured vehicle. State averages are not quotes and will not match any individual household.",
 "caveats": [
  "These are statewide averages across all policyholders, not quotes.",
  "NAIC does not rank states and does not endorse conclusions drawn from its data; the ranks here are computed by CovRGo from the published averages.",
  "Figures are the most recent published vintage available at time of writing.",
  "Flood coverage is excluded from all standard homeowners figures."
 ],
 "vintages": {
  "homeowners": "2022",
  "renters": "2022",
  "auto": "2023"
 },
 "national": {
  "homeowners_annual_usd": 1411,
  "renters_annual_usd": 170,
  "auto_expenditure_usd": 1282
 },
 "count": 51,
 "states": [
  {
   "state": "Florida",
   "slug": "florida",
   "url": "https://covrgo.com/insurance-cost/florida/",
   "homeowners_annual_usd": 2437,
   "homeowners_rank_1_most_expensive": 1,
   "renters_annual_usd": 175,
   "vs_national_homeowners_usd": 1026,
   "vs_national_homeowners_pct": 72.7,
   "auto_expenditure_usd": 1372
  },
  {
   "state": "Louisiana",
   "slug": "louisiana",
   "url": "https://covrgo.com/insurance-cost/louisiana/",
   "homeowners_annual_usd": 2259,
   "homeowners_rank_1_most_expensive": 2,
   "renters_annual_usd": 243,
   "vs_national_homeowners_usd": 848,
   "vs_national_homeowners_pct": 60.1,
   "auto_expenditure_usd": 1495
  },
  {
   "state": "Oklahoma",
   "slug": "oklahoma",
   "url": "https://covrgo.com/insurance-cost/oklahoma/",
   "homeowners_annual_usd": 2155,
   "homeowners_rank_1_most_expensive": 3,
   "renters_annual_usd": 221,
   "vs_national_homeowners_usd": 744,
   "vs_national_homeowners_pct": 52.7,
   "auto_expenditure_usd": null
  },
  {
   "state": "Texas",
   "slug": "texas",
   "url": "https://covrgo.com/insurance-cost/texas/",
   "homeowners_annual_usd": 2146,
   "homeowners_rank_1_most_expensive": 4,
   "renters_annual_usd": 204,
   "vs_national_homeowners_usd": 735,
   "vs_national_homeowners_pct": 52.1,
   "auto_expenditure_usd": null
  },
  {
   "state": "Rhode Island",
   "slug": "rhode-island",
   "url": "https://covrgo.com/insurance-cost/rhode-island/",
   "homeowners_annual_usd": 1900,
   "homeowners_rank_1_most_expensive": 5,
   "renters_annual_usd": 178,
   "vs_national_homeowners_usd": 489,
   "vs_national_homeowners_pct": 34.7,
   "auto_expenditure_usd": 1391
  },
  {
   "state": "Colorado",
   "slug": "colorado",
   "url": "https://covrgo.com/insurance-cost/colorado/",
   "homeowners_annual_usd": 1802,
   "homeowners_rank_1_most_expensive": 6,
   "renters_annual_usd": 159,
   "vs_national_homeowners_usd": 391,
   "vs_national_homeowners_pct": 27.7,
   "auto_expenditure_usd": null
  },
  {
   "state": "Mississippi",
   "slug": "mississippi",
   "url": "https://covrgo.com/insurance-cost/mississippi/",
   "homeowners_annual_usd": 1766,
   "homeowners_rank_1_most_expensive": 7,
   "renters_annual_usd": 258,
   "vs_national_homeowners_usd": 355,
   "vs_national_homeowners_pct": 25.2,
   "auto_expenditure_usd": null
  },
  {
   "state": "Massachusetts",
   "slug": "massachusetts",
   "url": "https://covrgo.com/insurance-cost/massachusetts/",
   "homeowners_annual_usd": 1712,
   "homeowners_rank_1_most_expensive": 8,
   "renters_annual_usd": 168,
   "vs_national_homeowners_usd": 301,
   "vs_national_homeowners_pct": 21.3,
   "auto_expenditure_usd": null
  },
  {
   "state": "Nebraska",
   "slug": "nebraska",
   "url": "https://covrgo.com/insurance-cost/nebraska/",
   "homeowners_annual_usd": 1684,
   "homeowners_rank_1_most_expensive": 9,
   "renters_annual_usd": 141,
   "vs_national_homeowners_usd": 273,
   "vs_national_homeowners_pct": 19.3,
   "auto_expenditure_usd": null
  },
  {
   "state": "Connecticut",
   "slug": "connecticut",
   "url": "https://covrgo.com/insurance-cost/connecticut/",
   "homeowners_annual_usd": 1651,
   "homeowners_rank_1_most_expensive": 10,
   "renters_annual_usd": 171,
   "vs_national_homeowners_usd": 240,
   "vs_national_homeowners_pct": 17.0,
   "auto_expenditure_usd": null
  },
  {
   "state": "Arkansas",
   "slug": "arkansas",
   "url": "https://covrgo.com/insurance-cost/arkansas/",
   "homeowners_annual_usd": 1611,
   "homeowners_rank_1_most_expensive": 11,
   "renters_annual_usd": 206,
   "vs_national_homeowners_usd": 200,
   "vs_national_homeowners_pct": 14.2,
   "auto_expenditure_usd": null
  },
  {
   "state": "Alabama",
   "slug": "alabama",
   "url": "https://covrgo.com/insurance-cost/alabama/",
   "homeowners_annual_usd": 1610,
   "homeowners_rank_1_most_expensive": 12,
   "renters_annual_usd": 222,
   "vs_national_homeowners_usd": 199,
   "vs_national_homeowners_pct": 14.1,
   "auto_expenditure_usd": null
  },
  {
   "state": "Minnesota",
   "slug": "minnesota",
   "url": "https://covrgo.com/insurance-cost/minnesota/",
   "homeowners_annual_usd": 1607,
   "homeowners_rank_1_most_expensive": 13,
   "renters_annual_usd": 132,
   "vs_national_homeowners_usd": 196,
   "vs_national_homeowners_pct": 13.9,
   "auto_expenditure_usd": null
  },
  {
   "state": "Kansas",
   "slug": "kansas",
   "url": "https://covrgo.com/insurance-cost/kansas/",
   "homeowners_annual_usd": 1491,
   "homeowners_rank_1_most_expensive": 14,
   "renters_annual_usd": 159,
   "vs_national_homeowners_usd": 80,
   "vs_national_homeowners_pct": 5.7,
   "auto_expenditure_usd": null
  },
  {
   "state": "Montana",
   "slug": "montana",
   "url": "https://covrgo.com/insurance-cost/montana/",
   "homeowners_annual_usd": 1471,
   "homeowners_rank_1_most_expensive": 15,
   "renters_annual_usd": 154,
   "vs_national_homeowners_usd": 60,
   "vs_national_homeowners_pct": 4.3,
   "auto_expenditure_usd": null
  },
  {
   "state": "Georgia",
   "slug": "georgia",
   "url": "https://covrgo.com/insurance-cost/georgia/",
   "homeowners_annual_usd": 1466,
   "homeowners_rank_1_most_expensive": 16,
   "renters_annual_usd": 205,
   "vs_national_homeowners_usd": 55,
   "vs_national_homeowners_pct": 3.9,
   "auto_expenditure_usd": 1255
  },
  {
   "state": "New York",
   "slug": "new-york",
   "url": "https://covrgo.com/insurance-cost/new-york/",
   "homeowners_annual_usd": 1455,
   "homeowners_rank_1_most_expensive": 17,
   "renters_annual_usd": 164,
   "vs_national_homeowners_usd": 44,
   "vs_national_homeowners_pct": 3.1,
   "auto_expenditure_usd": 1436
  },
  {
   "state": "South Carolina",
   "slug": "south-carolina",
   "url": "https://covrgo.com/insurance-cost/south-carolina/",
   "homeowners_annual_usd": 1432,
   "homeowners_rank_1_most_expensive": 18,
   "renters_annual_usd": 184,
   "vs_national_homeowners_usd": 21,
   "vs_national_homeowners_pct": 1.5,
   "auto_expenditure_usd": null
  },
  {
   "state": "Wyoming",
   "slug": "wyoming",
   "url": "https://covrgo.com/insurance-cost/wyoming/",
   "homeowners_annual_usd": 1432,
   "homeowners_rank_1_most_expensive": 19,
   "renters_annual_usd": 142,
   "vs_national_homeowners_usd": 21,
   "vs_national_homeowners_pct": 1.5,
   "auto_expenditure_usd": 770
  },
  {
   "state": "California",
   "slug": "california",
   "url": "https://covrgo.com/insurance-cost/california/",
   "homeowners_annual_usd": 1403,
   "homeowners_rank_1_most_expensive": 20,
   "renters_annual_usd": 177,
   "vs_national_homeowners_usd": -8,
   "vs_national_homeowners_pct": -0.6,
   "auto_expenditure_usd": null
  },
  {
   "state": "Tennessee",
   "slug": "tennessee",
   "url": "https://covrgo.com/insurance-cost/tennessee/",
   "homeowners_annual_usd": 1368,
   "homeowners_rank_1_most_expensive": 21,
   "renters_annual_usd": 183,
   "vs_national_homeowners_usd": -43,
   "vs_national_homeowners_pct": -3.0,
   "auto_expenditure_usd": null
  },
  {
   "state": "Missouri",
   "slug": "missouri",
   "url": "https://covrgo.com/insurance-cost/missouri/",
   "homeowners_annual_usd": 1340,
   "homeowners_rank_1_most_expensive": 22,
   "renters_annual_usd": 171,
   "vs_national_homeowners_usd": -71,
   "vs_national_homeowners_pct": -5.0,
   "auto_expenditure_usd": null
  },
  {
   "state": "New Jersey",
   "slug": "new-jersey",
   "url": "https://covrgo.com/insurance-cost/new-jersey/",
   "homeowners_annual_usd": 1309,
   "homeowners_rank_1_most_expensive": 23,
   "renters_annual_usd": 151,
   "vs_national_homeowners_usd": -102,
   "vs_national_homeowners_pct": -7.2,
   "auto_expenditure_usd": 1334
  },
  {
   "state": "Hawaii",
   "slug": "hawaii",
   "url": "https://covrgo.com/insurance-cost/hawaii/",
   "homeowners_annual_usd": 1299,
   "homeowners_rank_1_most_expensive": 24,
   "renters_annual_usd": 172,
   "vs_national_homeowners_usd": -112,
   "vs_national_homeowners_pct": -7.9,
   "auto_expenditure_usd": null
  },
  {
   "state": "District of Columbia",
   "slug": "district-of-columbia",
   "url": "https://covrgo.com/insurance-cost/district-of-columbia/",
   "homeowners_annual_usd": 1272,
   "homeowners_rank_1_most_expensive": 25,
   "renters_annual_usd": 150,
   "vs_national_homeowners_usd": -139,
   "vs_national_homeowners_pct": -9.9,
   "auto_expenditure_usd": 1415
  },
  {
   "state": "South Dakota",
   "slug": "south-dakota",
   "url": "https://covrgo.com/insurance-cost/south-dakota/",
   "homeowners_annual_usd": 1270,
   "homeowners_rank_1_most_expensive": 26,
   "renters_annual_usd": 117,
   "vs_national_homeowners_usd": -141,
   "vs_national_homeowners_pct": -10.0,
   "auto_expenditure_usd": 739
  },
  {
   "state": "North Dakota",
   "slug": "north-dakota",
   "url": "https://covrgo.com/insurance-cost/north-dakota/",
   "homeowners_annual_usd": 1256,
   "homeowners_rank_1_most_expensive": 27,
   "renters_annual_usd": 114,
   "vs_national_homeowners_usd": -155,
   "vs_national_homeowners_pct": -11.0,
   "auto_expenditure_usd": 692
  },
  {
   "state": "Maryland",
   "slug": "maryland",
   "url": "https://covrgo.com/insurance-cost/maryland/",
   "homeowners_annual_usd": 1238,
   "homeowners_rank_1_most_expensive": 28,
   "renters_annual_usd": 152,
   "vs_national_homeowners_usd": -173,
   "vs_national_homeowners_pct": -12.3,
   "auto_expenditure_usd": null
  },
  {
   "state": "Kentucky",
   "slug": "kentucky",
   "url": "https://covrgo.com/insurance-cost/kentucky/",
   "homeowners_annual_usd": 1232,
   "homeowners_rank_1_most_expensive": 29,
   "renters_annual_usd": 156,
   "vs_national_homeowners_usd": -179,
   "vs_national_homeowners_pct": -12.7,
   "auto_expenditure_usd": null
  },
  {
   "state": "New Mexico",
   "slug": "new-mexico",
   "url": "https://covrgo.com/insurance-cost/new-mexico/",
   "homeowners_annual_usd": 1229,
   "homeowners_rank_1_most_expensive": 30,
   "renters_annual_usd": 175,
   "vs_national_homeowners_usd": -182,
   "vs_national_homeowners_pct": -12.9,
   "auto_expenditure_usd": null
  },
  {
   "state": "Illinois",
   "slug": "illinois",
   "url": "https://covrgo.com/insurance-cost/illinois/",
   "homeowners_annual_usd": 1223,
   "homeowners_rank_1_most_expensive": 31,
   "renters_annual_usd": 154,
   "vs_national_homeowners_usd": -188,
   "vs_national_homeowners_pct": -13.3,
   "auto_expenditure_usd": null
  },
  {
   "state": "Virginia",
   "slug": "virginia",
   "url": "https://covrgo.com/insurance-cost/virginia/",
   "homeowners_annual_usd": 1199,
   "homeowners_rank_1_most_expensive": 32,
   "renters_annual_usd": 151,
   "vs_national_homeowners_usd": -212,
   "vs_national_homeowners_pct": -15.0,
   "auto_expenditure_usd": null
  },
  {
   "state": "North Carolina",
   "slug": "north-carolina",
   "url": "https://covrgo.com/insurance-cost/north-carolina/",
   "homeowners_annual_usd": 1192,
   "homeowners_rank_1_most_expensive": 33,
   "renters_annual_usd": 164,
   "vs_national_homeowners_usd": -219,
   "vs_national_homeowners_pct": -15.5,
   "auto_expenditure_usd": 753
  },
  {
   "state": "New Hampshire",
   "slug": "new-hampshire",
   "url": "https://covrgo.com/insurance-cost/new-hampshire/",
   "homeowners_annual_usd": 1090,
   "homeowners_rank_1_most_expensive": 34,
   "renters_annual_usd": 145,
   "vs_national_homeowners_usd": -321,
   "vs_national_homeowners_pct": -22.7,
   "auto_expenditure_usd": null
  },
  {
   "state": "Alaska",
   "slug": "alaska",
   "url": "https://covrgo.com/insurance-cost/alaska/",
   "homeowners_annual_usd": 1067,
   "homeowners_rank_1_most_expensive": 35,
   "renters_annual_usd": 184,
   "vs_national_homeowners_usd": -344,
   "vs_national_homeowners_pct": -24.4,
   "auto_expenditure_usd": null
  },
  {
   "state": "Indiana",
   "slug": "indiana",
   "url": "https://covrgo.com/insurance-cost/indiana/",
   "homeowners_annual_usd": 1058,
   "homeowners_rank_1_most_expensive": 36,
   "renters_annual_usd": 162,
   "vs_national_homeowners_usd": -353,
   "vs_national_homeowners_pct": -25.0,
   "auto_expenditure_usd": 766
  },
  {
   "state": "Iowa",
   "slug": "iowa",
   "url": "https://covrgo.com/insurance-cost/iowa/",
   "homeowners_annual_usd": 1043,
   "homeowners_rank_1_most_expensive": 37,
   "renters_annual_usd": 135,
   "vs_national_homeowners_usd": -368,
   "vs_national_homeowners_pct": -26.1,
   "auto_expenditure_usd": 708
  },
  {
   "state": "Vermont",
   "slug": "vermont",
   "url": "https://covrgo.com/insurance-cost/vermont/",
   "homeowners_annual_usd": 1025,
   "homeowners_rank_1_most_expensive": 38,
   "renters_annual_usd": 150,
   "vs_national_homeowners_usd": -386,
   "vs_national_homeowners_pct": -27.4,
   "auto_expenditure_usd": null
  },
  {
   "state": "West Virginia",
   "slug": "west-virginia",
   "url": "https://covrgo.com/insurance-cost/west-virginia/",
   "homeowners_annual_usd": 1016,
   "homeowners_rank_1_most_expensive": 39,
   "renters_annual_usd": 170,
   "vs_national_homeowners_usd": -395,
   "vs_national_homeowners_pct": -28.0,
   "auto_expenditure_usd": null
  },
  {
   "state": "Pennsylvania",
   "slug": "pennsylvania",
   "url": "https://covrgo.com/insurance-cost/pennsylvania/",
   "homeowners_annual_usd": 1014,
   "homeowners_rank_1_most_expensive": 40,
   "renters_annual_usd": 147,
   "vs_national_homeowners_usd": -397,
   "vs_national_homeowners_pct": -28.1,
   "auto_expenditure_usd": null
  },
  {
   "state": "Washington",
   "slug": "washington",
   "url": "https://covrgo.com/insurance-cost/washington/",
   "homeowners_annual_usd": 1001,
   "homeowners_rank_1_most_expensive": 41,
   "renters_annual_usd": 159,
   "vs_national_homeowners_usd": -410,
   "vs_national_homeowners_pct": -29.1,
   "auto_expenditure_usd": null
  },
  {
   "state": "Maine",
   "slug": "maine",
   "url": "https://covrgo.com/insurance-cost/maine/",
   "homeowners_annual_usd": 996,
   "homeowners_rank_1_most_expensive": 42,
   "renters_annual_usd": 146,
   "vs_national_homeowners_usd": -415,
   "vs_national_homeowners_pct": -29.4,
   "auto_expenditure_usd": 704
  },
  {
   "state": "Michigan",
   "slug": "michigan",
   "url": "https://covrgo.com/insurance-cost/michigan/",
   "homeowners_annual_usd": 993,
   "homeowners_rank_1_most_expensive": 43,
   "renters_annual_usd": 179,
   "vs_national_homeowners_usd": -418,
   "vs_national_homeowners_pct": -29.6,
   "auto_expenditure_usd": 1418
  },
  {
   "state": "Delaware",
   "slug": "delaware",
   "url": "https://covrgo.com/insurance-cost/delaware/",
   "homeowners_annual_usd": 988,
   "homeowners_rank_1_most_expensive": 44,
   "renters_annual_usd": 144,
   "vs_national_homeowners_usd": -423,
   "vs_national_homeowners_pct": -30.0,
   "auto_expenditure_usd": 1252
  },
  {
   "state": "Ohio",
   "slug": "ohio",
   "url": "https://covrgo.com/insurance-cost/ohio/",
   "homeowners_annual_usd": 920,
   "homeowners_rank_1_most_expensive": 45,
   "renters_annual_usd": 160,
   "vs_national_homeowners_usd": -491,
   "vs_national_homeowners_pct": -34.8,
   "auto_expenditure_usd": 781
  },
  {
   "state": "Arizona",
   "slug": "arizona",
   "url": "https://covrgo.com/insurance-cost/arizona/",
   "homeowners_annual_usd": 917,
   "homeowners_rank_1_most_expensive": 46,
   "renters_annual_usd": 160,
   "vs_national_homeowners_usd": -494,
   "vs_national_homeowners_pct": -35.0,
   "auto_expenditure_usd": null
  },
  {
   "state": "Idaho",
   "slug": "idaho",
   "url": "https://covrgo.com/insurance-cost/idaho/",
   "homeowners_annual_usd": 884,
   "homeowners_rank_1_most_expensive": 47,
   "renters_annual_usd": 146,
   "vs_national_homeowners_usd": -527,
   "vs_national_homeowners_pct": -37.3,
   "auto_expenditure_usd": 724
  },
  {
   "state": "Nevada",
   "slug": "nevada",
   "url": "https://covrgo.com/insurance-cost/nevada/",
   "homeowners_annual_usd": 863,
   "homeowners_rank_1_most_expensive": 48,
   "renters_annual_usd": 175,
   "vs_national_homeowners_usd": -548,
   "vs_national_homeowners_pct": -38.8,
   "auto_expenditure_usd": 1247
  },
  {
   "state": "Utah",
   "slug": "utah",
   "url": "https://covrgo.com/insurance-cost/utah/",
   "homeowners_annual_usd": 831,
   "homeowners_rank_1_most_expensive": 49,
   "renters_annual_usd": 145,
   "vs_national_homeowners_usd": -580,
   "vs_national_homeowners_pct": -41.1,
   "auto_expenditure_usd": null
  },
  {
   "state": "Oregon",
   "slug": "oregon",
   "url": "https://covrgo.com/insurance-cost/oregon/",
   "homeowners_annual_usd": 793,
   "homeowners_rank_1_most_expensive": 50,
   "renters_annual_usd": 150,
   "vs_national_homeowners_usd": -618,
   "vs_national_homeowners_pct": -43.8,
   "auto_expenditure_usd": null
  },
  {
   "state": "Wisconsin",
   "slug": "wisconsin",
   "url": "https://covrgo.com/insurance-cost/wisconsin/",
   "homeowners_annual_usd": 780,
   "homeowners_rank_1_most_expensive": 51,
   "renters_annual_usd": 127,
   "vs_national_homeowners_usd": -631,
   "vs_national_homeowners_pct": -44.7,
   "auto_expenditure_usd": 753
  }
 ],
 "related": {
  "html_dataset_page": "https://covrgo.com/auto-insurance-cost-by-state/",
  "csv": "https://covrgo.com/data/insurance-cost-by-state.csv",
  "txt": "https://covrgo.com/data/insurance-cost-by-state.txt"
 }
}