Homeowners insurance cost by state
The average US homeowners insurance premium is about $1,569 a year for the standard HO-3 policy form (NAIC 2022 data, the latest available). Across the 51 states and DC, Florida is the most expensive at $2,677 and Oregon the cheapest at $893. Use the table below to find your state's average and how it compares with the national figure. These are countrywide averages, not quotes.
Source: NAIC Homeowners Insurance Report (2022 data, latest available). Data as of June 2026.
All 51 states & DC, A–Z
| State | Avg HO-3 / yr | vs national | Rank (1 = priciest) |
|---|---|---|---|
| Alabama | $1,748 | 11% | #13 |
| Alaska | $1,129 | -28% | #38 |
| Arizona | $1,018 | -35% | #45 |
| Arkansas | $1,740 | 11% | #14 |
| California | $1,492 | -5% | #23 |
| Colorado | $2,079 | 33% | #5 |
| Connecticut | $1,814 | 16% | #10 |
| Delaware | $1,103 | -30% | #42 |
| District of Columbia | $1,384 | -12% | #28 |
| Florida | $2,677 | 71% | #1 |
| Georgia | $1,655 | 5% | #16 |
| Hawaii | $1,431 | -9% | #25 |
| Idaho | $1,002 | -36% | #46 |
| Illinois | $1,343 | -14% | #30 |
| Indiana | $1,191 | -24% | #35 |
| Iowa | $1,268 | -19% | #34 |
| Kansas | $1,583 | 1% | #21 |
| Kentucky | $1,359 | -13% | #29 |
| Louisiana | $2,603 | 66% | #2 |
| Maine | $1,077 | -31% | #43 |
| Maryland | $1,392 | -11% | #27 |
| Massachusetts | $1,871 | 19% | #8 |
| Michigan | $1,056 | -33% | #44 |
| Minnesota | $1,774 | 13% | #11 |
| Mississippi | $1,907 | 22% | #7 |
| Missouri | $1,668 | 6% | #15 |
| Montana | $1,639 | 4% | #17 |
| Nebraska | $1,869 | 19% | #9 |
| Nevada | $948 | -40% | #49 |
| New Hampshire | $1,188 | -24% | #36 |
| New Jersey | $1,417 | -10% | #26 |
| New Mexico | $1,322 | -16% | #33 |
| New York | $1,628 | 4% | #18 |
| North Carolina | $1,621 | 3% | #19 |
| North Dakota | $1,325 | -16% | #32 |
| Ohio | $995 | -37% | #47 |
| Oklahoma | $2,268 | 45% | #4 |
| Oregon | $893 | -43% | #51 |
| Pennsylvania | $1,120 | -29% | #39 |
| Rhode Island | $2,074 | 32% | #6 |
| South Carolina | $1,571 | 0% | #22 |
| South Dakota | $1,756 | 12% | #12 |
| Tennessee | $1,492 | -5% | #24 |
| Texas | $2,397 | 53% | #3 |
| Utah | $937 | -40% | #50 |
| Vermont | $1,109 | -29% | #41 |
| Virginia | $1,332 | -15% | #31 |
| Washington | $1,151 | -27% | #37 |
| West Virginia | $1,113 | -29% | #40 |
| Wisconsin | $957 | -39% | #48 |
| Wyoming | $1,596 | 2% | #20 |
Source: NAIC Homeowners Insurance Report (2022 data, latest available). Data as of June 2026. Figures are countrywide HO-3 averages, not quotes.
Browse by region
Northeast
$1,814/yr · 16% vs national
Maine$1,077/yr · -31% vs national
Massachusetts$1,871/yr · 19% vs national
New Hampshire$1,188/yr · -24% vs national
New Jersey$1,417/yr · -10% vs national
New York$1,628/yr · 4% vs national
Pennsylvania$1,120/yr · -29% vs national
Rhode Island$2,074/yr · 32% vs national
Vermont$1,109/yr · -29% vs national
Midwest
$1,343/yr · -14% vs national
Indiana$1,191/yr · -24% vs national
Iowa$1,268/yr · -19% vs national
Kansas$1,583/yr · 1% vs national
Michigan$1,056/yr · -33% vs national
Minnesota$1,774/yr · 13% vs national
Missouri$1,668/yr · 6% vs national
Nebraska$1,869/yr · 19% vs national
North Dakota$1,325/yr · -16% vs national
Ohio$995/yr · -37% vs national
South Dakota$1,756/yr · 12% vs national
Wisconsin$957/yr · -39% vs national
South
$1,748/yr · 11% vs national
Arkansas$1,740/yr · 11% vs national
Delaware$1,103/yr · -30% vs national
District of Columbia$1,384/yr · -12% vs national
Florida$2,677/yr · 71% vs national
Georgia$1,655/yr · 5% vs national
Kentucky$1,359/yr · -13% vs national
Louisiana$2,603/yr · 66% vs national
Maryland$1,392/yr · -11% vs national
Mississippi$1,907/yr · 22% vs national
North Carolina$1,621/yr · 3% vs national
Oklahoma$2,268/yr · 45% vs national
South Carolina$1,571/yr · 0% vs national
Tennessee$1,492/yr · -5% vs national
Texas$2,397/yr · 53% vs national
Virginia$1,332/yr · -15% vs national
West Virginia$1,113/yr · -29% vs national
West
$1,129/yr · -28% vs national
Arizona$1,018/yr · -35% vs national
California$1,492/yr · -5% vs national
Colorado$2,079/yr · 33% vs national
Hawaii$1,431/yr · -9% vs national
Idaho$1,002/yr · -36% vs national
Montana$1,639/yr · 4% vs national
Nevada$948/yr · -40% vs national
New Mexico$1,322/yr · -16% vs national
Oregon$893/yr · -43% vs national
Utah$937/yr · -40% vs national
Washington$1,151/yr · -27% vs national
Wyoming$1,596/yr · 2% vs national
Related
Premiums are from the NAIC Homeowners Insurance Report (2022 data, latest available), cross-checked against the Insurance Information Institute. 2022 is the latest data year NAIC has published; premiums have risen since. General information only — not quotes. Verify with insurers and your state insurance department. See our methodology and disclaimer.
Last updated: 2026-06-20