Average homeowners insurance cost in the US
The US national average homeowners insurance premium is about $1,569 a year for the standard HO-3 policy form (NAIC 2022 data, the latest available, released May 2025). That was up about 11.26% year over year and has kept rising with reconstruction-cost inflation and catastrophe losses. State averages range from $893 (Oregon) to $2,677 (Florida). The average is general information, not a quote.
Source: NAIC Homeowners Insurance Report (2022 data, latest available). Data as of June 2026.
The national average in context
| Figure | Value |
|---|---|
| National average HO-3 premium | $1,569 |
| Data year | 2022 (latest NAIC report, released May 2025) |
| Year-over-year change | +11.26% |
| HO-3 share of owner-occupied exposures | 78.99% |
| Most expensive state | Florida ($2,677) |
| Cheapest state | Oregon ($893) |
| States above the national average | 22 of 51 |
| Median state premium | ~$1,417 (New Jersey) |
Source: NAIC Homeowners Insurance Report (2022 data, latest available). Data as of June 2026.
What the average does and doesn't tell you
A national average is a useful benchmark but a poor predictor of your own bill. Two homes a mile apart can pay very different premiums based on roof age, distance to a fire hydrant, claims history and rebuilding cost. And because 2022 is the latest year NAIC has published, current premiums are generally higher than the $1,569 shown here. Treat it as context, then look up your state and estimate your own range.
Frequently asked questions
What is the average cost of homeowners insurance in the US?
The US national average homeowners insurance premium is about $1,569 a year for the standard HO-3 policy form, according to the NAIC Homeowners Insurance Report (2022 data, the latest available, released May 2025). That figure rose about 11.26% year over year and has continued climbing since.
Is the national average a quote for my home?
No. $1,569 is a countrywide average across all homes, coverage levels and insurers. Your premium depends on your home's rebuilding cost, location, roof, deductible, claims history and credit. Always get real quotes from licensed insurers.
Why is HO-3 used as the headline figure?
The HO-3 "special form" is the most common homeowners policy, covering about 78.99% of owner-occupied insured exposures in the NAIC data. It insures the dwelling against all perils except those specifically excluded, and personal property on a named-peril basis - so its average is the most representative single number.
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Last updated: 2026-06-20