Homeowners insurance rankings
Across the 51 US states and DC, the average HO-3 homeowners premium ranges from about $893 in Oregon to $2,677 in Florida — against a national average of $1,569 (NAIC 2022). The most expensive states are hurricane- and hail-exposed; the cheapest have little catastrophe risk. Pick a ranking below. These are countrywide averages, not quotes.
Source: NAIC Homeowners Insurance Report (2022 data, latest available). Data as of June 2026.
The 51 states ranked from priciest, led by Florida ($2,677).
Cheapest statesThe lowest-premium states, led by Oregon ($893).
National averageThe $1,569 US average in context and how it has changed.
Premium by coverage amountHow premiums scale with the dwelling coverage you carry.
Quick view: 5 priciest and 5 cheapest states
| # | 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 |
Source: NAIC Homeowners Insurance Report (2022 data, latest available). Data as of June 2026. Countrywide averages, not quotes.
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Last updated: 2026-06-20