CovRGo — Insurance cost by state (dataset) Source: NAIC average premiums via the Insurance Information Institute. Homeowners figures are HO-3 average annual premium; renters likewise. National average homeowners: $1,411. Renters: $170. Auto expenditure: $1,282/vehicle. Cite: CovRGo, "Insurance cost by state", covrgo.com/auto-insurance-cost-by-state/ state | homeowners_usd | rank | renters_usd | vs_national Florida | 2437 | 1 | 175 | +1026 Louisiana | 2259 | 2 | 243 | +848 Oklahoma | 2155 | 3 | 221 | +744 Texas | 2146 | 4 | 204 | +735 Rhode Island | 1900 | 5 | 178 | +489 Colorado | 1802 | 6 | 159 | +391 Mississippi | 1766 | 7 | 258 | +355 Massachusetts | 1712 | 8 | 168 | +301 Nebraska | 1684 | 9 | 141 | +273 Connecticut | 1651 | 10 | 171 | +240 Arkansas | 1611 | 11 | 206 | +200 Alabama | 1610 | 12 | 222 | +199 Minnesota | 1607 | 13 | 132 | +196 Kansas | 1491 | 14 | 159 | +80 Montana | 1471 | 15 | 154 | +60 Georgia | 1466 | 16 | 205 | +55 New York | 1455 | 17 | 164 | +44 South Carolina | 1432 | 18 | 184 | +21 Wyoming | 1432 | 19 | 142 | +21 California | 1403 | 20 | 177 | -8 Tennessee | 1368 | 21 | 183 | -43 Missouri | 1340 | 22 | 171 | -71 New Jersey | 1309 | 23 | 151 | -102 Hawaii | 1299 | 24 | 172 | -112 District of Columbia | 1272 | 25 | 150 | -139 South Dakota | 1270 | 26 | 117 | -141 North Dakota | 1256 | 27 | 114 | -155 Maryland | 1238 | 28 | 152 | -173 Kentucky | 1232 | 29 | 156 | -179 New Mexico | 1229 | 30 | 175 | -182 Illinois | 1223 | 31 | 154 | -188 Virginia | 1199 | 32 | 151 | -212 North Carolina | 1192 | 33 | 164 | -219 New Hampshire | 1090 | 34 | 145 | -321 Alaska | 1067 | 35 | 184 | -344 Indiana | 1058 | 36 | 162 | -353 Iowa | 1043 | 37 | 135 | -368 Vermont | 1025 | 38 | 150 | -386 West Virginia | 1016 | 39 | 170 | -395 Pennsylvania | 1014 | 40 | 147 | -397 Washington | 1001 | 41 | 159 | -410 Maine | 996 | 42 | 146 | -415 Michigan | 993 | 43 | 179 | -418 Delaware | 988 | 44 | 144 | -423 Ohio | 920 | 45 | 160 | -491 Arizona | 917 | 46 | 160 | -494 Idaho | 884 | 47 | 146 | -527 Nevada | 863 | 48 | 175 | -548 Utah | 831 | 49 | 145 | -580 Oregon | 793 | 50 | 150 | -618 Wisconsin | 780 | 51 | 127 | -631