Home Insurance Cost by State: All 50 States Ranked (2026)
State of residence is the single biggest driver of your home insurance premium. Average annual premiums range from $1,050 in Idaho to over $4,200 in Florida. Find your state in the table below and see how your costs compare to the national average.
All 50 States: 2026 Home Insurance Averages
| State | Annual Average | Monthly Average | vs National Avg | Cost Tier |
|---|---|---|---|---|
| Alabama | $2,800 | $233 | +23% | Above Avg |
| Alaska | $1,450 | $121 | -37% | Below Avg |
| Arizona | $1,650 | $138 | -28% | Below Avg |
| Arkansas | $2,950 | $246 | +29% | High |
| California | $1,450 | $121 | -37% | Below Avg |
| Colorado | $2,350 | $196 | +3% | Above Avg |
| Connecticut | $1,700 | $142 | -26% | Below Avg |
| Delaware | $1,200 | $100 | -47% | Low |
| Florida | $4,200 | $350 | +84% | High |
| Georgia | $2,100 | $175 | -8% | Above Avg |
| Hawaii | $1,400 | $117 | -39% | Below Avg |
| Idaho | $1,050 | $88 | -54% | Low |
| Illinois | $2,150 | $179 | -6% | Above Avg |
| Indiana | $1,600 | $133 | -30% | Below Avg |
| Iowa | $1,700 | $142 | -26% | Below Avg |
| Kansas | $3,200 | $267 | +40% | High |
| Kentucky | $2,250 | $188 | -2% | Above Avg |
| Louisiana | $3,800 | $317 | +66% | High |
| Maine | $1,100 | $92 | -52% | Low |
| Maryland | $1,550 | $129 | -32% | Below Avg |
| Massachusetts | $1,800 | $150 | -21% | Below Avg |
| Michigan | $1,700 | $142 | -26% | Below Avg |
| Minnesota | $2,000 | $167 | -12% | Below Avg |
| Mississippi | $3,100 | $258 | +36% | High |
| Missouri | $2,400 | $200 | +5% | Above Avg |
| Montana | $1,700 | $142 | -26% | Below Avg |
| Nebraska | $2,800 | $233 | +23% | Above Avg |
| Nevada | $1,100 | $92 | -52% | Low |
| New Hampshire | $1,100 | $92 | -52% | Low |
| New Jersey | $1,500 | $125 | -34% | Below Avg |
| New Mexico | $1,650 | $138 | -28% | Below Avg |
| New York | $1,850 | $154 | -19% | Below Avg |
| North Carolina | $1,850 | $154 | -19% | Below Avg |
| North Dakota | $1,900 | $158 | -17% | Below Avg |
| Ohio | $1,600 | $133 | -30% | Below Avg |
| Oklahoma | $4,100 | $342 | +79% | High |
| Oregon | $1,050 | $88 | -54% | Low |
| Pennsylvania | $1,450 | $121 | -37% | Below Avg |
| Rhode Island | $1,650 | $138 | -28% | Below Avg |
| South Carolina | $2,100 | $175 | -8% | Above Avg |
| South Dakota | $2,050 | $171 | -10% | Above Avg |
| Tennessee | $2,200 | $183 | -4% | Above Avg |
| Texas | $4,000 | $333 | +75% | High |
| Utah | $1,100 | $92 | -52% | Low |
| Vermont | $1,050 | $88 | -54% | Low |
| Virginia | $1,700 | $142 | -26% | Below Avg |
| Washington | $1,150 | $96 | -50% | Low |
| West Virginia | $1,550 | $129 | -32% | Below Avg |
| Wisconsin | $1,350 | $113 | -41% | Below Avg |
| Wyoming | $1,700 | $142 | -26% | Below Avg |
Source: Industry average data cross-referenced from Bankrate, NerdWallet, and Insurify 2026 reports. Data last updated April 2026. Averages based on $300k dwelling coverage with standard HO-3 policy.
Why Specific States Cost More (or Less)
State averages are shaped by catastrophe risk, litigation environment, insurer competition, and local construction costs. Here is the context behind the numbers for the states that diverge most significantly from the national average.
Hurricane exposure, carrier withdrawals, litigation crisis. Market hardened significantly in 2023-2026.
Tornado alley epicenter. Highest wind and hail risk in the nation. Convective storm losses every year.
Severe hail, tornadoes, winter storm risk (Uri 2021). High litigation costs inflate premiums statewide.
Gulf hurricane exposure plus Mississippi River flood risk. Multiple major storms since 2020.
Tornado and hail corridor. High convective storm frequency. Significant agricultural exposure.
Gulf hurricane risk plus tornado exposure. Limited insurer competition in rural areas.
Tornado alley edge, severe storms, and limited insurer competition in rural zones.
Some of the nation's highest per-capita hail losses. Omaha metropolitan area particularly exposed.
Gulf hurricane risk from Alabama coast, statewide tornado exposure. Affordable only relative to FL/OK.
New Madrid seismic zone, tornado risk from two directions. St. Louis faces unique combined exposures.
Rapid wildfire risk increase since 2020. Denver suburban areas face rising premiums due to urban interface fires and hail.
Twin Cities metro hail risk offset by competitive market and stable loss history.
Tornado corridor from south but generally affordable. Strong agricultural insurance market.
Wildfire crisis. Many major insurers have paused or ended new homeowner policies in high-risk areas. Average understates exposure for high-risk zones.
Low catastrophe risk overall despite volcanic and hurricane exposure. Market limited but stable.
Affordable Midwest market. Winter storm and hail risk but manageable loss ratios.
Pacific Northwest earthquake risk plus increasing wildfire exposure in eastern counties.
Desert climate limits weather risk. Low litigation environment. Las Vegas sprawl creates some urban risk.
Low storm risk, relatively low litigation. Earthquake exposure in Wasatch Front but well-understood risk.
Low storm risk, rural character. Ice and snow damage is primary seasonal peril.
New England weather risk but moderate. Low litigation, competitive market.
Cascadia subduction zone earthquake risk. Wildfire risk growing in central and eastern regions.
Low catastrophe risk, sparse population, stable market. One of the most affordable states nationwide.
Rural, low crime, low storm frequency. Flood risk in river valleys but generally low overall exposure.
States with Biggest Rate Increases in 2025-2026
| State | Approx. 2025 Increase | 2026 Projection | Primary Driver |
|---|---|---|---|
| Florida | +18% | +8-12% | Hurricane Ian losses, carrier exits, litigation reform |
| Louisiana | +15% | +6-10% | Hurricane Ida lingering losses, reinsurance costs |
| Colorado | +14% | +6-8% | Wildfire exposure, Marshall Fire impact, hail losses |
| California | +20%+ | Volatile | Wildfire crisis, major carrier withdrawals, market restructuring |
| Texas | +11% | +5-7% | Winter storm Uri long tail, ongoing hail and wind losses |
| Oklahoma | +10% | +4-6% | Sustained tornado season losses, construction cost inflation |
| Nebraska | +12% | +5-8% | Record hail seasons 2023-2024, rising reinsurance costs |
Rate change estimates based on Insurify 2026 State of Home Insurance Report and Bankrate data.
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