HomePremium: average US homeowners insurance cost by state
Average US homeowners insurance cost by state — what you pay and why.
The average US homeowners insurance premium is about $1,569 a year for the standard HO-3 policy form, according to the most recent NAIC Homeowners Insurance Report (2022 data, the latest available). Cost varies widely by state: Florida is the most expensive at $2,677, while Oregon is the cheapest at $893. Premiums are driven mostly by catastrophe exposure (hurricanes, hail, wildfire), rebuilding costs and claims history. These are countrywide averages, not quotes.
Source: NAIC Homeowners Insurance Report (2022 data, latest available). Data as of June 2026.
What you can look up
Average HO-3 premium for all 51 states & DC, ranked vs the national average.
RankingsMost & least expensive states, and the national average in context.
Premium estimatorEnter dwelling coverage + state for a ballpark annual premium.
GuidesWhat HO-3 covers, what drives your premium, how to lower it, replacement cost vs market value.
Premium by coverage amountHow premiums scale with the dwelling coverage you carry.
ArticlesAnswer-first explainers on cost, Florida/Louisiana, HO-3 vs HO-5 and more.
Featured states
Avg HO-3 $2,677/yr · 71% vs national
TexasAvg HO-3 $2,397/yr · 53% vs national
CaliforniaAvg HO-3 $1,492/yr · -5% vs national
New YorkAvg HO-3 $1,628/yr · 4% vs national
LouisianaAvg HO-3 $2,603/yr · 66% vs national
OhioAvg HO-3 $995/yr · -37% vs national
Most expensive states for home insurance
| # | State | Avg HO-3 / yr | vs national |
|---|---|---|---|
| 1 | Florida | $2,677 | 71% |
| 2 | Louisiana | $2,603 | 66% |
| 3 | Texas | $2,397 | 53% |
| 4 | Oklahoma | $2,268 | 45% |
| 5 | Colorado | $2,079 | 33% |
| 6 | Rhode Island | $2,074 | 32% |
Source: NAIC Homeowners Insurance Report (2022 data, latest available). Data as of June 2026.
See the full most expensive states and cheapest states rankings, or look up your own state.
Why home insurance costs what it does
The single biggest driver of homeowners premiums is catastrophe exposure. Gulf and Atlantic coast states — Florida, Louisiana, Texas — pay the most because of hurricanes, while the Plains and Midwest pay for hail and tornadoes (Colorado, Oklahoma, Nebraska). The other levers are rebuilding cost (which has risen with construction inflation), your deductible and coverage limits, roof age, claims history and, in most states, insurance credit score. Our premium drivers guide breaks each one down.
From the blog
The US national average homeowners insurance premium is about $1,569/year (NAIC 2022, latest available). See how all 50 states and DC compare, from Oregon to Florida.
Why is home insurance so expensive in Florida and Louisiana?Florida and Louisiana have the priciest home insurance in the US. Hurricanes, reinsurance costs, litigation and roof-claim fraud explain why - and why rates keep climbing.
How much homeowners insurance do I need?Set your dwelling coverage to your home's full replacement cost - not its market value or your mortgage balance. A practical guide to sizing every coverage in an HO-3 policy.
HO-3 vs HO-5 homeowners insurance explainedHO-3 is the standard homeowners policy; HO-5 is a broader, pricier upgrade. The key difference is how your personal property is covered - named perils vs open perils.
How to lower your home insurance premium (without underinsuring)Seven legitimate ways to cut your homeowners insurance premium - raise your deductible, bundle, shop yearly, mitigate risk and claim every discount - while keeping full coverage.
Home insurance and replacement cost explainedReplacement cost is what it takes to rebuild your home, not what it would sell for. Why it sets your dwelling coverage, how to estimate it, and what RCV vs ACV settlement means.
Where the data comes from
Premiums come from the NAIC Homeowners Insurance Report (2022 data, latest available), the standard public source for average homeowners premiums by state, cross-checked against the Insurance Information Institute. The headline figure is the HO-3 average, which covers roughly 79% of owner-occupied policies. 2022 is the latest data year NAIC has published; premiums have risen since. These are countrywide averages for general information — not quotes — so always verify current rates with insurers and your state insurance department. See our methodology for every derivation.