Average Home Insurance Cost by State (2026)
Homeowners insurance is one of the fastest-rising household costs in America — up 23% in three years in some states. See what your state's average looks like, why Oklahoma pays $6,432/year while Hawaii pays $631, and how to make sure you're not overinsured or underinsured.
Why Homeowners Insurance Has Never Cost More
The national average homeowners insurance premium has risen over 23% in three years — and in high-risk states like Oklahoma, Florida, and Louisiana, rates have more than doubled. For many homeowners, insurance has become the fastest-growing line item in their household budget.
The table below ranks all 50 states by average annual premium for $300,000 in dwelling coverage with standard liability and personal property protection — the most common benchmark for comparison.
⚠️ California & Florida warning: California's ranked average is misleading — major insurers have exited the state, leaving many homeowners in wildfire zones with state-run FAIR Plan coverage at much higher rates or limited options. In Florida, Citizens Insurance (state-run insurer of last resort) is now the largest insurer in the state.
Home Insurance Rates — All 50 States (2026)
Ranked most to least expensive. Annual premiums for $300,000 in dwelling coverage with standard liability and personal property protection.
| Rank | State | Annual Premium | Monthly | vs. Nat'l Avg |
|---|---|---|---|---|
| 1 | Oklahoma | $6,432 | $536 | ▲ 195% |
| 2 | Kansas | $5,876 | $490 | ▲ 169% |
| 3 | Florida | $5,541 | $462 | ▲ 154% |
| 4 | Texas | $5,216 | $435 | ▲ 139% |
| 5 | Nebraska | $4,897 | $408 | ▲ 124% |
| 6 | Louisiana | $4,614 | $385 | ▲ 111% |
| 7 | Colorado | $4,312 | $359 | ▲ 98% |
| 8 | Arkansas | $3,987 | $332 | ▲ 83% |
| 9 | Mississippi | $3,741 | $312 | ▲ 71% |
| 10 | Missouri | $3,512 | $293 | ▲ 61% |
| 11 | South Dakota | $3,298 | $275 | ▲ 51% |
| 12 | Iowa | $3,187 | $266 | ▲ 46% |
| 13 | Minnesota | $3,041 | $253 | ▲ 39% |
| 14 | Alabama | $2,987 | $249 | ▲ 37% |
| 15 | Montana | $2,841 | $237 | ▲ 30% |
| 16 | Wyoming | $2,698 | $225 | ▲ 24% |
| 17 | North Dakota | $2,612 | $218 | ▲ 20% |
| 18 | Georgia | $2,541 | $212 | ▲ 16% |
| 19 | Indiana | $2,487 | $207 | ▲ 14% |
| 20 | New Mexico | $2,398 | $200 | ▲ 10% |
| 21 | Tennessee | $2,314 | $193 | ▲ 6% |
| 22 | Illinois | $2,241 | $187 | ▲ 3% |
| 23 | Kentucky | $2,198 | $183 | ▲ 1% |
| 24 | South Carolina | $2,181 | $182 | ≈ Avg |
| 25 | North Carolina | $2,154 | $180 | ▼ 1% |
| 26 | Arizona | $2,098 | $175 | ▼ 4% |
| 27 | Nevada | $2,041 | $170 | ▼ 6% |
| 28 | West Virginia | $1,987 | $166 | ▼ 9% |
| 29 | Virginia | $1,921 | $160 | ▼ 12% |
| 30 | Michigan | $1,876 | $156 | ▼ 14% |
| 31 | Ohio | $1,812 | $151 | ▼ 17% |
| 32 | Pennsylvania | $1,754 | $146 | ▼ 20% |
| 33 | Wisconsin | $1,698 | $142 | ▼ 22% |
| 34 | Alaska | $1,641 | $137 | ▼ 25% |
| 35 | New York | $1,598 | $133 | ▼ 27% |
| 36 | Connecticut | $1,541 | $128 | ▼ 29% |
| 37 | New Jersey | $1,487 | $124 | ▼ 32% |
| 38 | Maryland | $1,432 | $119 | ▼ 34% |
| 39 | Rhode Island | $1,398 | $117 | ▼ 36% |
| 40 | Idaho | $1,354 | $113 | ▼ 38% |
| 41 | Utah | $1,312 | $109 | ▼ 40% |
| 42 | Washington | $1,276 | $106 | ▼ 41% |
| 43 | Delaware | $1,241 | $103 | ▼ 43% |
| 44 | California | $1,198 | $100 | ▼ 45% |
| 45 | Massachusetts | $1,154 | $96 | ▼ 47% |
| 46 | New Hampshire | $1,087 | $91 | ▼ 50% |
| 47 | Vermont | $1,032 | $86 | ▼ 53% |
| 48 | Oregon | $987 | $82 | ▼ 55% |
| 49 | Maine | $921 | $77 | ▼ 58% |
| 50 | Hawaii | $631 | $53 | ▼ 71% |
What a Standard Homeowners Policy Covers
A standard HO-3 policy (the most common type) covers your home's structure and your belongings against specific perils, plus liability protection if someone is injured on your property.
- 🏗️
Dwelling Coverage
Rebuilds your home's structure if damaged by a covered peril — fire, wind, hail, lightning, or vandalism. This is the core coverage amount that should reflect your home's full rebuild cost, not its market value.
- 📦
Personal Property
Replaces belongings inside your home — furniture, electronics, clothing, appliances. Standard policies typically cover 50–70% of your dwelling amount. High-value items (jewelry, art, instruments) may need separate scheduled endorsements.
- ⚖️
Liability Protection
Pays if someone is injured on your property and sues you. Standard policies include $100,000–$300,000 in liability coverage. If you have significant assets, consider an umbrella policy for additional protection.
- 🏨
Additional Living Expenses (ALE)
Covers hotel and meal costs if your home is uninhabitable during repairs. Typically 20–30% of your dwelling coverage for 12–24 months — critical during a major loss.
❗ Not covered by standard policies: Floods (requires separate NFIP or private flood policy), earthquakes (separate endorsement or policy), normal wear and tear, sewer/drain backup (available as add-on), or mold unless from a covered water loss.
8 Strategies to Lower Your Homeowners Premium
- 🔍
Compare quotes every 2–3 years
Loyalty rarely pays in home insurance. Homeowners who shop the market save an average of $400/year. Insurer pricing changes constantly — your best rate last year may not be your best rate today.
- 🚗
Bundle home and auto insurance
Multi-policy discounts of 10–25% are the norm at major carriers. Bundling also simplifies billing and claims management — one insurer, one relationship.
- 📈
Raise your deductible
Increasing your deductible from $1,000 to $2,500 can cut your premium by 15–20%. Ensure you have the deductible amount accessible in savings before raising it.
- 🏠
Upgrade your roof
An impact-resistant roof can earn discounts of 20–30% in hail-prone states. In Florida, a wind mitigation inspection and roof replacement to current code can dramatically reduce premiums and keep coverage available.
- 🔒
Install protective devices
Security systems, smoke detectors, water leak sensors, deadbolt locks, and storm shutters all earn discounts — typically 2–15% per upgrade depending on the carrier and device type.
- 💳
Improve your credit score
Insurers in most states use credit-based insurance scores heavily. Moving from fair to good credit can reduce your homeowners premium by 20–30% or more.
- 📋
Review your dwelling coverage limit annually
With construction costs up 40%+ since 2019, if you haven't updated your coverage amount recently, you may be significantly underinsured. Ask about guaranteed replacement cost or extended replacement cost coverage to eliminate the gap risk.
- ⏱️
Ask about claims-free discounts
Many carriers reward 3–5 years without claims with meaningful discounts. Before filing a small claim, calculate whether the payout exceeds your deductible enough to justify a potential premium increase.
Compare home insurance rates from top carriers
The Zebra, Insurify, and Policygenius all offer fast quote comparisons with no obligation.
Frequently Asked Questions
Sources & Methodology
Premium data sourced from the Insurance Information Institute (III), National Association of Insurance Commissioners (NAIC), S&P Global Market Intelligence, and state insurance department rate filings for 2026. Rates shown are averages for $300,000 in dwelling coverage with standard HO-3 policy terms, $1,000 deductible, and $100,000 liability. Individual rates will vary significantly based on location within state, construction type, age of home, and insurer. Data updated May 2026.
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