By State
Average Home Insurance Cost by State 2026
Updated 26 March 2026
Home insurance costs vary by a factor of four across the US. The national average is $2,285 per year. The most expensive state (Florida, $4,200) costs 4x more than the cheapest state (Vermont, $1,050).
$2,285/yr
National average
Florida
Most expensive
Vermont
Cheapest state
11 of 50
States above average
All 50 States — Annual Average Premium
Sorted highest to lowest. Percentages show difference from the national average of $2,285.
| State | Annual average | Monthly | vs. National avg | Cost tier |
|---|---|---|---|---|
| Florida (FL) | $4,200 | $350 | +84% | High cost |
| Oklahoma (OK) | $4,100 | $342 | +79% | High cost |
| Texas (TX) | $4,000 | $333 | +75% | High cost |
| Louisiana (LA) | $3,800 | $317 | +66% | High cost |
| Kansas (KS) | $3,200 | $267 | +40% | High cost |
| Mississippi (MS) | $3,100 | $258 | +36% | Above average |
| Arkansas (AR) | $2,950 | $246 | +29% | Above average |
| Alabama (AL) | $2,800 | $233 | +23% | Above average |
| Nebraska (NE) | $2,800 | $233 | +23% | Above average |
| Missouri (MO) | $2,400 | $200 | +5% | Above average |
| Colorado (CO) | $2,350 | $196 | +3% | Above average |
| Kentucky (KY) | $2,250 | $188 | -2% | Below average |
| Tennessee (TN) | $2,200 | $183 | -4% | Below average |
| Illinois (IL) | $2,150 | $179 | -6% | Below average |
| Georgia (GA) | $2,100 | $175 | -8% | Below average |
| South Carolina (SC) | $2,100 | $175 | -8% | Below average |
| South Dakota (SD) | $2,050 | $171 | -10% | Below average |
| Minnesota (MN) | $2,000 | $167 | -12% | Below average |
| North Dakota (ND) | $1,900 | $158 | -17% | Below average |
| New York (NY) | $1,850 | $154 | -19% | Below average |
| North Carolina (NC) | $1,850 | $154 | -19% | Below average |
| Massachusetts (MA) | $1,800 | $150 | -21% | Low cost |
| Connecticut (CT) | $1,700 | $142 | -26% | Low cost |
| Iowa (IA) | $1,700 | $142 | -26% | Low cost |
| Michigan (MI) | $1,700 | $142 | -26% | Low cost |
| Montana (MT) | $1,700 | $142 | -26% | Low cost |
| Virginia (VA) | $1,700 | $142 | -26% | Low cost |
| Wyoming (WY) | $1,700 | $142 | -26% | Low cost |
| Arizona (AZ) | $1,650 | $138 | -28% | Low cost |
| New Mexico (NM) | $1,650 | $138 | -28% | Low cost |
| Rhode Island (RI) | $1,650 | $138 | -28% | Low cost |
| Indiana (IN) | $1,600 | $133 | -30% | Low cost |
| Ohio (OH) | $1,600 | $133 | -30% | Low cost |
| Maryland (MD) | $1,550 | $129 | -32% | Low cost |
| West Virginia (WV) | $1,550 | $129 | -32% | Low cost |
| New Jersey (NJ) | $1,500 | $125 | -34% | Low cost |
| Alaska (AK) | $1,450 | $121 | -37% | Low cost |
| California (CA) | $1,450 | $121 | -37% | Low cost |
| Pennsylvania (PA) | $1,450 | $121 | -37% | Low cost |
| Hawaii (HI) | $1,400 | $117 | -39% | Low cost |
| Wisconsin (WI) | $1,350 | $113 | -41% | Low cost |
| Delaware (DE) | $1,200 | $100 | -47% | Low cost |
| Washington (WA) | $1,150 | $96 | -50% | Low cost |
| Maine (ME) | $1,100 | $92 | -52% | Low cost |
| Nevada (NV) | $1,100 | $92 | -52% | Low cost |
| New Hampshire (NH) | $1,100 | $92 | -52% | Low cost |
| Utah (UT) | $1,100 | $92 | -52% | Low cost |
| Idaho (ID) | $1,050 | $88 | -54% | Low cost |
| Oregon (OR) | $1,050 | $88 | -54% | Low cost |
| Vermont (VT) | $1,050 | $88 | -54% | Low cost |
Why Some States Cost More
Hurricane and flood risk drive Florida's nation-leading premiums. Many national carriers have reduced or exited the market.
Oklahoma sits in Tornado Alley. Hail and tornado claims push premiums above $4,000.
A combination of tornadoes, hurricanes on the Gulf Coast, hailstorms, and wildfires make Texas one of the most expensive states.
Hurricane exposure and a history of large catastrophe losses keep Louisiana premiums well above the national average.
Tornado and hail activity in Kansas places it among the top five most expensive states for home insurance.
Severe storm frequency and above-average claim rates raise costs significantly in Arkansas.
Gulf Coast hurricane risk and high poverty rates limiting insurance competition push premiums up.
Hail damage is extremely common. Nebraska routinely sees billions in insured losses from hailstorms.
Wildfire in mountain communities and severe hail on the Front Range have pushed Colorado rates sharply higher.
Tornadoes, ice storms, and flooding contribute to Missouri's above-average premiums.
Low disaster risk and mild weather make Idaho the cheapest state for home insurance.
Mild climate and low storm activity keep Oregon among the cheapest states despite growing wildfire concerns.
Vermont's low population density and limited severe weather result in some of the nation's lowest home insurance rates.
Low catastrophe risk and a dry climate keep Utah among the most affordable states.
Despite earthquake risk, Washington's overall rate remains low. Seismic coverage requires a separate policy.
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