Home insurance cost by state, all 50 ranked
Average annual homeowners premium for every state plus the District of Columbia, from NAIC data, ranked most expensive to least. The national average is $1411 a year.
The spread is larger than most people assume: the most expensive state averages Florida at $2,437 and the cheapest averages Wisconsin at $780 — a difference of $1,657 a year for the same coverage type.
All 50 states, ranked
| # | State | Homeowners / yr | vs national | Renters / yr |
|---|---|---|---|---|
| 1 | Florida | $2,437 | +73% | $175 |
| 2 | Louisiana | $2,259 | +60% | $243 |
| 3 | Oklahoma | $2,155 | +53% | $221 |
| 4 | Texas | $2,146 | +52% | $204 |
| 5 | Rhode Island | $1,900 | +35% | $178 |
| 6 | Colorado | $1,802 | +28% | $159 |
| 7 | Mississippi | $1,766 | +25% | $258 |
| 8 | Massachusetts | $1,712 | +21% | $168 |
| 9 | Nebraska | $1,684 | +19% | $141 |
| 10 | Connecticut | $1,651 | +17% | $171 |
| 11 | Arkansas | $1,611 | +14% | $206 |
| 12 | Alabama | $1,610 | +14% | $222 |
| 13 | Minnesota | $1,607 | +14% | $132 |
| 14 | Kansas | $1,491 | +6% | $159 |
| 15 | Montana | $1,471 | +4% | $154 |
| 16 | Georgia | $1,466 | +4% | $205 |
| 17 | New York | $1,455 | +3% | $164 |
| 18 | South Carolina | $1,432 | +1% | $184 |
| 19 | Wyoming | $1,432 | +1% | $142 |
| 20 | California | $1,403 | -1% | $177 |
| 21 | Tennessee | $1,368 | -3% | $183 |
| 22 | Missouri | $1,340 | -5% | $171 |
| 23 | New Jersey | $1,309 | -7% | $151 |
| 24 | Hawaii | $1,299 | -8% | $172 |
| 25 | District of Columbia | $1,272 | -10% | $150 |
| 26 | South Dakota | $1,270 | -10% | $117 |
| 27 | North Dakota | $1,256 | -11% | $114 |
| 28 | Maryland | $1,238 | -12% | $152 |
| 29 | Kentucky | $1,232 | -13% | $156 |
| 30 | New Mexico | $1,229 | -13% | $175 |
| 31 | Illinois | $1,223 | -13% | $154 |
| 32 | Virginia | $1,199 | -15% | $151 |
| 33 | North Carolina | $1,192 | -16% | $164 |
| 34 | New Hampshire | $1,090 | -23% | $145 |
| 35 | Alaska | $1,067 | -24% | $184 |
| 36 | Indiana | $1,058 | -25% | $162 |
| 37 | Iowa | $1,043 | -26% | $135 |
| 38 | Vermont | $1,025 | -27% | $150 |
| 39 | West Virginia | $1,016 | -28% | $170 |
| 40 | Pennsylvania | $1,014 | -28% | $147 |
| 41 | Washington | $1,001 | -29% | $159 |
| 42 | Maine | $996 | -29% | $146 |
| 43 | Michigan | $993 | -30% | $179 |
| 44 | Delaware | $988 | -30% | $144 |
| 45 | Ohio | $920 | -35% | $160 |
| 46 | Arizona | $917 | -35% | $160 |
| 47 | Idaho | $884 | -37% | $146 |
| 48 | Nevada | $863 | -39% | $175 |
| 49 | Utah | $831 | -41% | $145 |
| 50 | Oregon | $793 | -44% | $150 |
| 51 | Wisconsin | $780 | -45% | $127 |
Figures are NAIC average premiums for an HO-3 homeowners policy, as published by the Insurance Information Institute. NAIC does not rank states and does not endorse any conclusions drawn from its data; the ranking above is ours, computed directly from the published averages.
What the ranking tells you
The expensive end of the list is dominated by two things: catastrophe exposure and litigation. Florida, Louisiana and Oklahoma carry heavy wind and hail risk. Texas and Colorado combine hail with fast-growing metro areas and rising reconstruction costs. The cheap end — Wisconsin, Oregon, Utah — has lower claim frequency and lower rebuild costs.
What the ranking does not tell you is what you personally should pay. A state average is a median of everything: old homes, new homes, coastal and inland, good roofs and bad. Your own number comes from your rebuild cost, roof age, claims history and credit-based insurance score.
Start with your state
Each state page carries its own average, its rank, the renters comparison, and the specific levers that move a premium in that state.
Back to the overview →Get notified when rates move in your state
Short updates when regulator data changes or premiums shift. No quote wall, no phone calls, no SSN or card details. You confirm by email first, and you can unsubscribe any time.