The single best public number for average homeowners insurance cost is the National Association of Insurance Commissioners (NAIC) Homeowners Insurance Report. Its most recent edition uses 2022 data and was released in May 2025 — insurance reporting runs a couple of years behind. By that report, the US national average for the standard HO-3 policy is about $1,569 a year, up roughly 11% year over year.
Because 2022 is the latest published year, current premiums are higher than the figures below — treat them as a verified baseline and a way to compare states, not as live quotes.
Most and least expensive states (NAIC 2022, HO-3)
| Rank | Most expensive | Avg/yr | Cheapest | Avg/yr |
|---|---|---|---|---|
| 1 | Florida | $2,677 | Oregon | $893 |
| 2 | Louisiana | $2,603 | Utah | $937 |
| 3 | Texas | $2,397 | Nevada | $948 |
| 4 | Oklahoma | $2,268 | Wisconsin | $957 |
| 5 | Colorado | $2,079 | Ohio | $995 |
The pattern is clear: the priciest states sit on the hurricane-exposed Gulf and Atlantic coasts (Florida, Louisiana, Texas) or the hail-prone Plains (Oklahoma, Colorado, Nebraska). The cheapest have little catastrophe risk.
How your state compares
The national average is a benchmark, not a prediction of your bill. Look up your own state for the local average, rank and cost drivers:
- Cost by state — all 50 states & DC
- Most expensive states · Cheapest states
- The national average in context
Why premiums keep rising
Even low-risk states have seen sharp increases, for three main reasons: reconstruction-cost inflation (materials and labor cost more to rebuild), larger and more frequent catastrophe losses, and higher reinsurance costs that insurers pass through. See what drives your premium for the full list.
General information, not a quote. Figures are NAIC 2022 countrywide HO-3 averages. Your premium depends on your home and insurer — always get real quotes and verify with your state insurance department.