🏠 Home insurance cost by state (2026)
The U.S. average is $2,300 per year. Standard HO-3 homeowners policy on a home with about $300,000 in dwelling coverage. Figures are estimates from public data — see our methodology.
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Home insurance cost in all 50 states
Ranked most to least expensive. Click a state for city-level detail.
| # | State | Avg. home insurance | vs. national |
|---|---|---|---|
| 1 | Oklahoma | $5,060 | +120% |
| 2 | Louisiana | $4,600 | +100% |
| 3 | Florida | $4,370 | +90% |
| 4 | Nebraska | $4,370 | +90% |
| 5 | Texas | $4,370 | +90% |
| 6 | Kansas | $4,140 | +80% |
| 7 | Colorado | $3,910 | +70% |
| 8 | Mississippi | $3,565 | +55% |
| 9 | Arkansas | $3,450 | +50% |
| 10 | Missouri | $3,105 | +35% |
| 11 | Alabama | $2,990 | +30% |
| 12 | Montana | $2,760 | +20% |
| 13 | South Dakota | $2,760 | +20% |
| 14 | Kentucky | $2,645 | +15% |
| 15 | South Carolina | $2,530 | +10% |
| 16 | Georgia | $2,415 | +5% |
| 17 | Minnesota | $2,415 | +5% |
| 18 | Tennessee | $2,415 | +5% |
| 19 | North Dakota | $2,300 | 0% |
| 20 | California | $2,185 | -5% |
| 21 | New Mexico | $2,185 | -5% |
| 22 | Illinois | $2,070 | -10% |
| 23 | Wyoming | $2,070 | -10% |
| 24 | Indiana | $1,955 | -15% |
| 25 | Iowa | $1,955 | -15% |
| 26 | North Carolina | $1,955 | -15% |
| 27 | New York | $1,840 | -20% |
| 28 | Ohio | $1,840 | -20% |
| 29 | Arizona | $1,725 | -25% |
| 30 | Massachusetts | $1,725 | -25% |
| 31 | Michigan | $1,725 | -25% |
| 32 | Pennsylvania | $1,725 | -25% |
| 33 | Rhode Island | $1,725 | -25% |
| 34 | Connecticut | $1,610 | -30% |
| 35 | Maryland | $1,610 | -30% |
| 36 | Nevada | $1,610 | -30% |
| 37 | Virginia | $1,610 | -30% |
| 38 | West Virginia | $1,610 | -30% |
| 39 | District of Columbia | $1,495 | -35% |
| 40 | Idaho | $1,495 | -35% |
| 41 | New Jersey | $1,495 | -35% |
| 42 | Alaska | $1,380 | -40% |
| 43 | Delaware | $1,380 | -40% |
| 44 | Maine | $1,380 | -40% |
| 45 | Washington | $1,380 | -40% |
| 46 | Wisconsin | $1,380 | -40% |
| 47 | Hawaii | $1,265 | -45% |
| 48 | New Hampshire | $1,265 | -45% |
| 49 | Oregon | $1,265 | -45% |
| 50 | Utah | $1,265 | -45% |
| 51 | Vermont | $1,265 | -45% |
Home insurance FAQ
What is the average home insurance cost in the U.S.?
The national average is about $2,300 per year. Standard HO-3 homeowners policy on a home with about $300,000 in dwelling coverage. Costs vary widely by state — see the table above.
Which states have the cheapest home insurance?
Based on our estimates, the least expensive states include Hawaii, New Hampshire, Oregon.
How can I lower my home insurance cost?
Compare at least three quotes, bundle policies, raise your deductible if you have an emergency fund, and re-shop yearly. Use the calculator above to see how your profile changes the price.