Homeowners Insurance Costs by State (2026)
Compare average home insurance rates across all 50 states and D.C. The national average is $1,820 per year.
Updated July 2026Average Homeowners Insurance Rates by State
Home insurance costs vary widely by state due to weather risks, building costs, and local regulations. States prone to hurricanes, tornadoes, and hail storms tend to have the highest premiums.
| State | Annual Cost | Monthly Cost | vs. National Avg |
|---|---|---|---|
| Florida | $4,231/yr | $353/mo | 132.5% above national average |
| Louisiana | $3,399/yr | $283/mo | 86.8% above national average |
| Oklahoma | $3,168/yr | $264/mo | 74.1% above national average |
| Kansas | $2,875/yr | $240/mo | 58.0% above national average |
| Colorado | $2,851/yr | $238/mo | 56.6% above national average |
| Nebraska | $2,834/yr | $236/mo | 55.7% above national average |
| Texas | $2,780/yr | $232/mo | 52.7% above national average |
| Mississippi | $2,350/yr | $196/mo | 29.1% above national average |
| Alabama | $2,280/yr | $190/mo | 25.3% above national average |
| Arkansas | $2,276/yr | $190/mo | 25.1% above national average |
| Missouri | $2,184/yr | $182/mo | 20.0% above national average |
| South Dakota | $2,097/yr | $175/mo | 15.2% above national average |
| Tennessee | $2,086/yr | $174/mo | 14.6% above national average |
| Kentucky | $2,002/yr | $167/mo | 10.0% above national average |
| South Carolina | $1,928/yr | $161/mo | 5.9% above national average |
| Illinois | $1,924/yr | $160/mo | 5.7% above national average |
| Minnesota | $1,907/yr | $159/mo | 4.8% above national average |
| North Dakota | $1,905/yr | $159/mo | 4.7% above national average |
| California | $1,897/yr | $158/mo | 4.2% above national average |
| Georgia | $1,889/yr | $157/mo | 3.8% above national average |
| Montana | $1,813/yr | $151/mo | Near national average |
| Arizona | $1,781/yr | $148/mo | Near national average |
| Rhode Island | $1,768/yr | $147/mo | Near national average |
| North Carolina | $1,760/yr | $147/mo | 3.3% below national average |
| New Mexico | $1,758/yr | $146/mo | 3.4% below national average |
| Iowa | $1,734/yr | $144/mo | 4.7% below national average |
| Connecticut | $1,719/yr | $143/mo | 5.5% below national average |
| Massachusetts | $1,670/yr | $139/mo | 8.2% below national average |
| Michigan | $1,632/yr | $136/mo | 10.3% below national average |
| Wyoming | $1,558/yr | $130/mo | 14.4% below national average |
| Indiana | $1,528/yr | $127/mo | 16.0% below national average |
| New York | $1,518/yr | $126/mo | 16.6% below national average |
| Maryland | $1,494/yr | $124/mo | 17.9% below national average |
| District of Columbia | $1,478/yr | $123/mo | 18.8% below national average |
| West Virginia | $1,453/yr | $121/mo | 20.2% below national average |
| Washington | $1,401/yr | $117/mo | 23.0% below national average |
| New Jersey | $1,389/yr | $116/mo | 23.7% below national average |
| Wisconsin | $1,358/yr | $113/mo | 25.4% below national average |
| Pennsylvania | $1,324/yr | $110/mo | 27.3% below national average |
| Virginia | $1,310/yr | $109/mo | 28.0% below national average |
| Ohio | $1,296/yr | $108/mo | 28.8% below national average |
| Hawaii | $1,281/yr | $107/mo | 29.6% below national average |
| Nevada | $1,278/yr | $106/mo | 29.8% below national average |
| Alaska | $1,198/yr | $100/mo | 34.2% below national average |
| Idaho | $1,165/yr | $97/mo | 36.0% below national average |
| Maine | $1,125/yr | $94/mo | 38.2% below national average |
| Delaware | $1,124/yr | $94/mo | 38.2% below national average |
| Oregon | $1,107/yr | $92/mo | 39.2% below national average |
| New Hampshire | $1,081/yr | $90/mo | 40.6% below national average |
| Utah | $1,076/yr | $90/mo | 40.9% below national average |
| Vermont | $897/yr | $75/mo | 50.7% below national average |