Which state has the highest home insurance rates?

Florida has some of the highest home insurance costs in the country, with an average premium of $6,060 per year. High hurricane risk, rising construction costs, and litigation have contributed to increased rates.

Which state has the cheapest home insurance?

Vermont has some of the cheapest home insurance premiums in the U.S., likely due to its milder weather and lower population density, which often lead to lower rebuild costs. The average yearly premium is $984.

How do insurers calculate state home insurance rates?

Insurers use underwriting guidelines to evaluate local factors such as weather exposure, safety services, and rebuilding costs, as well as individual factors like home characteristics, claims history, and your credit-based insurance score.

Why are home insurance rates increasing nationwide?

Homeowners insurance rates are increasing nationwide due to severe weather events, inflation, and higher construction and repair expenses. The rising cost of reinsurance, which is insurance for insurance companies, has also led to higher premiums.

Do you have to change your home insurance when you move states?

Possibly. Not all insurers hold licenses in every state, so moving could require a new homeowners insurance policy. Contact your agent to see whether they can transfer your coverage or if you’ll need a new policy.

Average Home Insurance Rates by State (2026)

Updated July 1, 2026

Home insurance rates by state vary widely across the U.S. due to differences in weather risk, construction costs, and local insurance regulations.^[1] The national average for homeowners insurance is $2,868 per year for a policy with $300,000 in dwelling coverage — though some states’ premiums are much higher or lower than this average.

States like Vermont and Maine often have some of the cheapest rates, while Florida and Louisiana are the most expensive. In this article, we’ll break down state-by-state home insurance costs, compare trends, and share strategies to help you save on coverage.

Quick Facts

States with frequent hurricanes, tornadoes, or wildfires often have higher insurance rates.
Even within the same state, rates can vary significantly by ZIP code.
Higher population density can raise rebuilding costs and affect rates.

Find the best home insurance company in your state

The best homeowners insurance company depends on where you live, since rates, coverage options, and availability can vary by state. Find your state below to compare top-rated insurers and choose the right insurance coverage for your home.

Compare homeowners insurance rates by state

The cost of home insurance in the U.S. is $239 per month, based on $300,000 in dwelling coverage. Rates vary depending on where you live, including your state, city, and ZIP code.

The table below compares the average cost of homeowners insurance in all 50 states.

Average Annual Cost by State

State	Average Annual Cost: With $300K in Dwelling Coverage
Alaska	$1,356
Alabama	$3,552
Arkansas	$3,648
Arizona	$2,184
California	$2,004
Colorado	$3,228
Connecticut	$1,932
Delaware	$1,308
Florida	$6,060
Georgia	$2,580
Hawaii	$1,524
Iowa	$2,808
Idaho	$1,764
Illinois	$2,604
Indiana	$2,244
Kansas	$4,008
Kentucky	$3,360
Louisiana	$5,076
Massachusetts	$1,932
Maryland	$1,980
Maine	$1,224
Michigan	$2,364
Minnesota	$2,664
Missouri	$2,940
Mississippi	$3,264
Montana	$2,448
North Carolina	$3,480
North Dakota	$2,592
Nebraska	$4,008
New Hampshire	$1,212
New Jersey	$1,284
New Mexico	$3,324
Nevada	$1,272
New York	$1,332
Ohio	$1,776
Oklahoma	$5,760
Oregon	$1,332
Pennsylvania	$1,296
Rhode Island	$2,196
South Carolina	$2,820
South Dakota	$2,796
Tennessee	$3,300
Texas	$4,704
Utah	$1,500
Virginia	$1,788
Vermont	$984
Washington	$1,464
District of Columbia	$1,260
Wisconsin	$1,536
West Virginia	$1,584
Wyoming	$1,740

Homeowners in Southern and Midwestern states, such as Florida, Texas, Kansas, and Nebraska, tend to pay higher insurance premiums than homeowners in Northern and inland states. This is often because they face a higher risk of extreme weather, such as tornadoes, hurricanes, and hail.^[2]

But factors outside of weather events can also influence insurance costs, including population density, rebuilding costs, reinsurance, and claims litigation.

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States with the most expensive home insurance rates

The most expensive states for homeowners insurance often face more severe weather and higher rebuilding costs. Florida is the most expensive state for home insurance, where hurricane exposure, claims litigation, and inflation have driven premiums higher.

Oklahoma, Louisiana, and South Carolina also experience frequent severe storms, which can increase claim payouts. In high-risk areas, residents may even need to purchase flood insurance in addition to their homeowners or renters insurance policy. Insurers also monitor western states like California, Colorado, and Montana for wildfire risk.

Below are the top 10 states with the highest average rates for homeowners insurance.

The below national rates are estimated rates current as of: Tuesday, June 30 at 5:00 PM PDT.

Data reviewed by Chase Gardner

Chase GardnerData Insights Manager

Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree

Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.

Featured in

State	Average Annual Premium: With $300K in Dwelling Coverage
Kentucky	$3,360
North Carolina	$3,480
Alabama	$3,552
Arkansas	$3,648
Kansas	$4,008
Nebraska	$4,008
Texas	$4,704
Louisiana	$5,076
Oklahoma	$5,760
Florida	$6,060

States with the cheapest home insurance rates

The cheapest states for homeowners insurance, on the other hand, tend to have fewer weather risks and lower rebuilding costs.

Many Northeastern states, including Vermont and Maine, rank among the least expensive — partly because they experience fewer catastrophic weather events than regions prone to natural disasters.

Lower population density also keeps rebuilding costs down in some of these states, making insurance premiums more affordable. Below are the top 10 states with the cheapest average home insurance costs.

The below national rates are estimated rates current as of: Tuesday, June 30 at 5:00 PM PDT.

Data reviewed by Chase Gardner

Chase GardnerData Insights Manager

Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree

Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.

Featured in

State	Average Annual Premium: With $300K in Dwelling Coverage
Vermont	$984
New Hampshire	$1,212
Maine	$1,224
Washington D.C.	$1,260
Nevada	$1,272
New Jersey	$1,284
Pennsylvania	$1,296
Delaware	$1,308
New York	$1,332
Oregon	$1,332

Home insurance rates by dwelling coverage amount

Dwelling coverage is the part of your insurance policy that protects the structure of your home, including its foundation, walls, flooring, and plumbing and electrical systems.^[3] Lenders often require enough dwelling coverage to rebuild your home at current prices after a complete loss.

The table below shows different coverage amounts by state and how changing your dwelling limit can affect your annual home insurance premium.

The below national rates are estimated rates current as of: Tuesday, June 30 at 5:00 PM PDT.

Data reviewed by Chase Gardner

Chase GardnerData Insights Manager

Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree

Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.

Featured in

State	Average Annual Premium: With $300K in Dwelling Coverage	Average Annual Premium: With $750K in Dwelling Coverage
Vermont	$984	$2,124
New Hampshire	$1,212	$2,760
Maine	$1,224	$3,012
Washington D.C.	$1,260	$2,940
Nevada	$1,272	$3,180
New Jersey	$1,284	$2,796
Pennsylvania	$1,296	$2,748
Delaware	$1,308	$3,264
New York	$1,332	$3,168
Oregon	$1,332	$3,144
Alaska	$1,356	$2,844
Washington	$1,464	$3,288
Utah	$1,500	$3,324
Hawaii	$1,524	$3,744
Wisconsin	$1,536	$3,324
West Virginia	$1,584	$3,036
Wyoming	$1,740	$4,248
Idaho	$1,764	$4,164
Ohio	$1,776	$3,768
Virginia	$1,788	$3,888
Connecticut	$1,932	$4,476
Massachusetts	$1,932	$4,308
Maryland	$1,980	$4,260
California	$2,004	$4,272
Arizona	$2,184	$4,740
Rhode Island	$2,196	$4,728
Indiana	$2,244	$4,824
Michigan	$2,364	$5,232
Montana	$2,448	$5,100
Georgia	$2,580	$5,880
North Dakota	$2,592	$5,760
Illinois	$2,604	$5,364
Minnesota	$2,664	$5,688
South Dakota	$2,796	$6,240
Iowa	$2,808	$6,336
South Carolina	$2,820	$6,300
Missouri	$2,940	$6,576
Colorado	$3,228	$6,396
Mississippi	$3,264	$7,644
Tennessee	$3,300	$7,296
New Mexico	$3,324	$7,500
Kentucky	$3,360	$7,260
North Carolina	$3,480	$7,800
Alabama	$3,552	$8,064
Arkansas	$3,648	$8,340
Kansas	$4,008	$8,916
Nebraska	$4,008	$8,892
Texas	$4,704	$10,128
Louisiana	$5,076	$11,868
Oklahoma	$5,760	$12,996
Florida	$6,060	$13,992

Why home insurance rates vary by state

Home insurance rates by state vary drastically for a myriad of reasons, including:

Weather and natural disasters: States with more extreme weather, such as hurricanes, wildfires, tornadoes, and windstorms, typically see higher insurance premiums because homeowners in these states are more likely to file costly claims.
Construction and labor costs: The price of building materials and skilled labor varies by region. Insurers may charge more when higher construction costs can increase claim payouts.
Rebuilding costs: Insurers base dwelling coverage on a home’s replacement cost. If it’s more expensive to rebuild homes in a particular state, average home insurance premiums tend to rise accordingly.
Population density: Densely populated areas often have higher home values and construction costs, which can increase claims costs and drive up insurance rates.
State insurance regulations: State laws regulate the insurance industry to ensure fair rates. Rate approval rules and legal requirements can affect how insurers set and adjust premiums.

Other factors that affect home insurance rates

Your state isn’t the only aspect that influences your home insurance rates. Other factors affecting home insurance premiums include:

Coverage limits and deductible: Homes and personal property with higher replacement costs usually cost more to insure. Choosing higher liability coverage limits or a lower deductible can also increase your premiums.
Home’s age and construction: Older homes may cost more to rebuild if they require special materials or upgrades to meet current building codes. You may receive a discount if you have a newer home.
Proximity to safety services: Homes located closer to a fire station or hydrant may qualify for lower premiums because emergency response times are usually faster.
Your claim history: Insurers review your claim history when setting your premium. Filing multiple claims in the past could raise your homeowners insurance costs.
Your credit-based insurance score: Many states allow insurance companies to consider your credit history when determining your premium. Insurers often view good credit as lower risk, meaning you may be less likely to file a claim.

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How to lower your home insurance rate

Although you can’t control all the factors that affect your home insurance rates, you can take steps to lower your premiums, such as:^[4]

Raise your deductible

You’ll pay more out of pocket after a claim with a higher deductible, but this will usually lower your monthly premium.

Shop around

Comparing home insurance quotes from several insurers can help you find the best rates.

Bundle home and auto insurance

Many insurers offer a discount when you purchase multiple policies, such as home and car insurance.

Look for other discounts

Not all insurers offer the same discounts. You may be able to lower your premium by paying on time, signing up for automatic payments, and staying claims-free.

Install security and weather-mitigation features

Fortifying your home against natural disasters and theft reduces the likelihood you’ll have to file a claim, which could lower your home insurance premiums.

Home insurance rates by state FAQs

When comparing home insurance policies, you may have questions about how pricing works and what affects your premium. The information below can help you better understand how home insurance costs vary across the country.

Which state has the highest home insurance rates?
Florida has some of the highest home insurance costs in the country, with an average premium of $6,060 per year. High hurricane risk, rising construction costs, and litigation have contributed to increased rates.
Which state has the cheapest home insurance?
Vermont has some of the cheapest home insurance premiums in the U.S., likely due to its milder weather and lower population density, which often lead to lower rebuild costs. The average yearly premium is $984.
How do insurers calculate state home insurance rates?
Insurers use underwriting guidelines to evaluate local factors such as weather exposure, safety services, and rebuilding costs, as well as individual factors like home characteristics, claims history, and your credit-based insurance score.
Why are home insurance rates increasing nationwide?
Homeowners insurance rates are increasing nationwide due to severe weather events, inflation, and higher construction and repair expenses. The rising cost of reinsurance, which is insurance for insurance companies, has also led to higher premiums.
Do you have to change your home insurance when you move states?
Possibly. Not all insurers hold licenses in every state, so moving could require a new homeowners insurance policy. Contact your agent to see whether they can transfer your coverage or if you’ll need a new policy.

Sources

National Association of Insurance Commissioners. "Why Are My Insurance Premiums Increasing?."
National Centers for Environmental Information. "Tornado Alley."
National Association of Insurance Commissioners. "Homeowners Insurance."
Insurance Information Institute. "12 Ways to Lower Your Homeowners Insurance Costs."

Methodology

Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’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:

Default Coverage Assumptions

Dwelling coverage: $300,000
Deductible: $1,000
Personal property limit: $25,000
Liability limit: $300,000

Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.

Written byCarley ClarkInsurance Writer

Carley ClarkInsurance Writer

5+ years experience in personal finance writing
Personal finance blogger

Carley Clark is a freelance financial writer based in Michigan. Carley learned how to translate complex financial data into actionable information even before she became a freelance writer – she was a revenue auditor for a Michigan-based casino.

She’s been a freelance writer since 2020, and her work has appeared in well-known brands including CNN Underscored, GOBankingRates, and FinanceBuzz. She earned her bachelor’s degree in business from Spring Arbor University. She’s been an Insurify contributor since August 2025.

When she’s not writing content that helps readers make informed insurance decisions, she enjoys reading, playing video games, and going for walks with her dog.