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Licensed property and casualty insurance agent
NPN: 21630969
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Home insurance rates vary by state, and sometimes by thousands of dollars per year. Average premiums for a standard-coverage profile reflect regional risks, local rebuilding costs, and changing weather patterns.
In this guide, you’ll see how your state compares, why rates differ so dramatically, and what you can do now to keep costs under control. Let’s start by looking at how home insurance rates break down state by state.
Home insurance rates change by state based on local weather risks, rebuilding costs, and market conditions.
Your actual premium depends on factors like location, roof age, claims history, coverage limits, and your credit (where allowed).
Comparing multiple quotes and raising your deductible can help keep insurance costs manageable.
Risk looks different depending on where you live. Home insurance companies factor in local weather patterns, wildfire or hurricane exposure, local rebuilding costs, average home values, and state insurance regulations when setting premiums.[1]
If your state has more severe storms or high construction costs, you’ll likely pay more to insure your home.
The average annual premium for a $300,000 home in the U.S. is $2,808, but your state’s average rate may fall above or below that number.
As you review the map below, compare your state’s average cost of homeowners insurance to nearby or similar states. It shows the average annual homeowners insurance costs by state, according to Compare.com data. It also highlights where coverage tends to be the most and least expensive.
State | Average Annual Cost |
|---|---|
| Alabama | $1,332 |
| Alaska | $3,480 |
| Arizona | $3,540 |
| Arkansas | $2,172 |
| California | $2,040 |
| Colorado | $3,276 |
| Connecticut | $1,980 |
| Delaware | $1,332 |
| Florida | $6,432 |
| Georgia | $2,568 |
| Hawaii | $1,500 |
| Idaho | $2,580 |
| Illinois | $1,728 |
| Indiana | $2,604 |
| Iowa | $2,244 |
| Kansas | $4,080 |
| Kentucky | $3,288 |
| Louisiana | $5,004 |
| Maine | $1,956 |
| Maryland | $1,968 |
| Massachusetts | $1,248 |
| Michigan | $2,292 |
| Minnesota | $2,688 |
| Mississippi | $2,940 |
| Missouri | $3,348 |
| Montana | $2,520 |
| Nebraska | $3,276 |
| Nevada | $2,652 |
| New Hampshire | $4,116 |
| New Jersey | $1,188 |
| New Mexico | $1,272 |
| New York | $3,264 |
| North Carolina | $1,272 |
| North Dakota | $1,356 |
| Ohio | $1,752 |
| Oklahoma | $5,568 |
| Oregon | $1,344 |
| Pennsylvania | $1,296 |
| Rhode Island | $2,280 |
| South Carolina | $2,772 |
| South Dakota | $2,724 |
| Tennessee | $3,168 |
| Texas | $4,644 |
| Utah | $1,548 |
| Vermont | $1,740 |
| Virginia | $924 |
| Washington | $1,428 |
| District of Columbia | $1,188 |
| West Virginia | $1,524 |
| Wisconsin | $1,560 |
| Wyoming | $1,740 |
Home insurance rates have climbed steadily in recent years, and that trend continues in 2026. National average premiums are rising due to higher claims costs, more frequent severe weather events, and rising labor and material costs for home repairs.
Recent industry projections, including Insurify’s latest Home Insurance Price Projections Report, indicate insurance companies are adjusting rates in response to billions in catastrophic losses and elevated construction costs. Higher-risk areas often see larger rate increases than the national average.
Compare quotes and review your coverage limits regularly to help manage rising costs.
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Some states consistently rank among the most affordable for homeowners insurance because they have a lower risk of catastrophic weather events and more stable claim patterns.
States like Vermont, Hawaii, Maine, New Hampshire, Pennsylvania, West Virginia, Washington, Nevada, and Oregon tend to have lower rates. These states have fewer large-scale weather disasters, moderate rebuilding costs, and steady competition between insurance companies.
But statewide averages can shift from year to year as claim trends, weather events, and regulatory changes influence the insurance market.
Below, you’ll find the states with the least expensive home insurance premiums, according to Compare.com data.
Company | Average Yearly Premium |
|---|---|
| Grange | $1,344 |
| CSAA | $1,392 |
| Amica | $1,560 |
| AIG | $1,716 |
| Westfield | $1,788 |
| National General | $1,932 |
| USAA | $1,992 |
| American Family | $2,160 |
| AFI | $2,184 |
| Foremost | $2,436 |
Some states consistently rank among the most expensive for homeowners insurance. These states typically experience more frequent and severe catastrophic weather events.
Homeowners in Florida, Arkansas, Louisiana, Colorado, Texas, Oklahoma, Mississippi, Alabama, and Nebraska pay the highest average rates. Hurricanes, tornadoes, severe storms, wildfires, and hail damage are more common in these states.
When insurance companies pay out billions in claims after major storms or fires, they adjust rates to reflect that risk. Higher construction costs and tighter underwriting standards also push premiums upward.
Statewide averages can shift from year to year as claims activity, reinsurance costs, and state regulations reshape the market. Even in more expensive states, premiums can vary significantly from one insurance company to another.
Below are the states where homeowners insurance tends to cost the most, according to Compare.com data.
Company | Average Yearly Premium |
|---|---|
| State Farm | $2,760 |
| Auto-Owners | $3,000 |
| Encompass | $3,216 |
| Nationwide | $3,288 |
| Erie | $3,324 |
| Country Financial | $3,492 |
| Chubb | $3,624 |
| Allied | $3,900 |
| Metropolitan | $4,248 |
| Shelter | $4,260 |
The cheapest home insurer depends on where you live and your home’s details. A company that offers the lowest average monthly premium in one state may not rank the same way in another. Your home’s age, construction type, claims history, your credit-based insurance score, and coverage limits all affect your final quote.
When we refer to the “cheapest” insurance company by state, we mean the company with the lowest average premium for a standard coverage profile. That’s usually a home insurance policy with $300,000 in dwelling coverage, typical liability coverage limits, and deductibles. That benchmark helps compare apples to apples across several states, but your personal rate may differ.
Also, keep in mind that price matters, but it shouldn’t be your only consideration. Coverage limits, policy exclusions, customer service ratings, claim responsiveness, and financial strength ratings from agencies like AM Best also deserve your attention.
Below, you’ll find the cheapest home insurance companies in each state for $300,000 in dwelling coverage, according to Compare.com data. Use it as a starting point to request quotes from multiple companies, but make sure you review the coverage amount carefully before you decide.
State | Cheapest Company | Cheapest Rate |
|---|---|---|
| Alabama | Allstate | $175 |
| Alaska | Umialik Insurance | $76 |
| Arizona | USAA | $106 |
| Arkansas | Farmers | $148 |
| California | Pacific Specialty | $78 |
| Colorado | Grange | $133 |
| Connecticut | Vermont Mutual | $93 |
| Delaware | Encompass | $91 |
| Florida | State Farm | $423 |
| Georgia | Allstate | $129 |
| Hawaii | Allstate | $71 |
| Idaho | Oregon Mutual | $73 |
| Illinois | Allstate | $83 |
| Indiana | Allstate | $59 |
| Iowa | Farmers | $127 |
| Kansas | Farmers | $192 |
| Kentucky | Westfield | $158 |
| Louisiana | Foremost | $216 |
| Maine | Vermont Mutual | $61 |
| Maryland | Travelers | $91 |
| Massachusetts | AIG | $76 |
| Michigan | Auto-Owners | $92 |
| Minnesota | Farmers | $123 |
| Mississippi | USAA | $150 |
| Missouri | USAA | $105 |
| Montana | Chubb | $70 |
| Nebraska | USAA | $168 |
| Nevada | Travelers | $67 |
| New Hampshire | Amica | $62 |
| New Jersey | Selective Insurance | $66 |
| New Mexico | State Farm | $199 |
| New York | Travelers | $71 |
| North Carolina | State Farm | $90 |
| North Dakota | Farmers | $126 |
| Ohio | Farmers | $96 |
| Oklahoma | American National | $201 |
| Oregon | Oregon Mutual | $47 |
| Pennsylvania | Selective Insurance | $60 |
| Rhode Island | State Farm | $105 |
| South Carolina | Chubb | $130 |
| South Dakota | Austin Mutual | $145 |
| Tennessee | American National | $132 |
| Texas | Republic Indemnity | $197 |
| Utah | Foremost | $65 |
| Vermont | Vermont Mutual | $51 |
| Virginia | Travelers | $109 |
| Washington | Foremost | $78 |
| Washington, D.C. | USAA | $85 |
| West Virginia | USAA | $89 |
| Wisconsin | West Bend Mutual | $74 |
| Wyoming | USAA | $113 |
Your homeowners insurance premiums reflect how much risk an insurance company takes by covering your property. State averages can give you an idea of how much insuring your home might cost, but your individual rate depends on your home’s details and your own financial profile.
Below are the factors that have a big effect on the cost of home insurance:
Location: Where you live plays a big part in how much you pay for homeowners insurance. Insurance companies look at exposure to severe weather and natural disasters, crime rates, and proximity to fire services when pricing your homeowners insurance policy.
Your home’s replacement cost: Insurance coverage includes the cost to rebuild your home and replace your personal property. It’s not based on the market value of your home, which also includes the land.[2]
Your home’s age: Older homes can be more expensive to insure if they have woodwork and other features that are difficult to replace.
Roof age and condition: Your roof helps protect your home from windstorms and other claims. Older roofs and those made from certain materials are more expensive to insure because they’re more vulnerable to fire, wind, and hail damage.
Claims history: Recent claims on your property or a pattern of claims can signal higher risk, which may increase your premium.
Coverage limits and deductibles: Higher coverage limits and lower deductibles generally increase your premium. Raising your deductible can lower your monthly cost. Just make sure you’re prepared to pay more out of pocket if you have a claim.
Credit-based insurance score (where allowed): In most states, homeowners insurance companies can use credit-based insurance scores to help predict the likelihood of claims. A good credit score can help keep your premiums affordable.
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You have more control over your home insurance premium than you might think. You can’t change your state’s weather patterns, but you can make choices that lower your risk profile and reduce costs.[3] The key is knowing what insurance companies reward.
Shop and compare home insurance quotes regularly. Rates can vary widely among insurers, even for the same home. Get quotes from at least three companies and compare coverages and prices. Switching every few years can lead to meaningful savings.
Raise your deductible. Choosing a higher deductible lowers your premium by having you absorb more risk. Make sure you have savings to cover that amount if you need to file a claim.
Bundle policies. Many insurance companies offer bundling discounts when you buy home and car insurance from the same company.
Improve home safety and security features. Installing impact-resistant roofing, security systems, smoke detectors, or water-leak sensors can help you qualify for discounts.
Maintain good credit. In states that allow companies to use credit-based insurance scores, improving your credit can reduce your premium.
Review your coverages annually. Your insurance needs change over time. Adjusting coverage limits and removing unnecessary add-ons can help you avoid overpaying.
Homeowners insurance pricing is complicated. Below are answers to some common questions people ask to help you compare homeowners insurance rates by state.
Rates vary because insurance companies price policies based on local risks. Extreme weather, high rebuilding costs, state regulations, litigation trends, and claim frequency all affect insurance premiums in each state.
The states with the highest average rates are Florida, Arkansas, Louisiana, Colorado, Texas, Oklahoma, Mississippi, Alabama, and Nebraska. Homeowners in these states typically pay more because there’s a higher risk of hurricanes, wildfires, severe storms, hail, and tornadoes. Catastrophic losses drive much of the pricing pressure in these states.
The states with the lowest average rates are Vermont, Hawaii, Maine, New Hampshire, Pennsylvania, West Virginia, Washington, Nevada, and Oregon. These states have lower rebuilding costs and less risk of catastrophic claims.
Insurance companies typically review and adjust rates. But market-wide increases may follow major disasters or periods of high inflation. Your individual premium may change at renewal based on your claims history or the company’s updated risk model.[4]
Compare quotes from several insurance companies, consider raising your deductible, improve your home’s safety and security, and bundle your home and auto insurance. Even in high-risk states, there can be significant price differences between insurance companies.
No state law requires homeowners insurance or flood insurance. But if you have a mortgage, your lender will likely require you to have insurance coverage to protect the property securing the loan.
Compare.com data scientists analyzed rates from more than 180 home insurance companies sourced directly from Compare.com’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.
Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:
Additional data points beyond these default values are sourced from Compare.com’s proprietary database. Rates are updated monthly.
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Licensed property and casualty insurance agent
NPN: 21630969
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
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