Homeowners insurance rates by state in 2024

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The average homeowners insurance cost in the U.S. is $2,601, based on a policy with $300,000 in dwelling coverage and liability and a $1,000 deductible.

However, the average home insurance cost by state ranges substantially higher or lower, depending on the specific state. For instance, Oklahoma, Kansas, and Nebraska are the top three states with highest home insurance rates. Whereas Hawaii, New Hampshire, and Vermont are the top three states with lowest home insurance rates.

While factors such as your home’s value and age heavily influence what you pay for insurance, location is also a significant driver of home insurance costs, as we’ll explore in this guide to the average home insurance cost by state.

Key Takeaways

The average home insurance cost by state varies with the nationwide average coming in at $2,601 a year.
The cheapest state for home insurance is Hawaii at $613 a year, and the most expensive state is Oklahoma at $5,858 a year.
Homeowners insurance rates are increasing everywhere, but homeowners can still take steps to reduce costs.

Estimate homeowners insurance rates in your state

The average homeowners insurance cost in Florida is $4,419.
The average homeowners insurance cost in Florida is $1,818 more than the national average.
Travelers provides the cheapest homeowners insurance in Florida at about $1,775 a year.

What is the average cost of homeowners insurance by state?

Average home insurance rates by state differ substantially, ranging from the low-end average home insurance cost in Hawaii of $613 to the highest average cost in the nation of $5,858 in Oklahoma.

“Homeowners insurance prices are driven by two underlying factors: How likely your home is to get damaged, and how much it will cost to fix. While the likelihood of damage is affected by how big your home is, what it’s built out of, and how old it is, a far bigger factor in many areas is how exposed your house is to catastrophic events like hurricanes and wildfires,” says Kate Terry, co-founder and CEO of Surround Insurance.

So, some coastal states like Florida have a much higher average cost than some inland states like Ohio, but that doesn’t mean that all coastal states are more expensive.

“What can be surprising is that even inland states can be highly exposed to catastrophic storms, so Oklahoma and Arkansas, for example, have relatively high home insurance costs because they get frequent tornadoes,” Terry says.

To determine the average home insurance rates by state, we analyzed average insurance rates from 62 companies in nearly 35,000 ZIP codes across all 50 states plus Washington, D.C. Rates are based on policy limits of $300,000 in dwelling coverage, with a $1,000 deductible and $300,000 liability limit.

The 10 most expensive states for homeowners insurance

The states with the highest home insurance rates include several inland states that face natural disaster risks such as tornadoes, as well as some coastal states that face risks like hurricanes. Most of these states do not have a high cost of living, which shows how insurance rates depend on more than just local costs to rebuild.

State	Average annual premium
Oklahoma	$5,858
Kansas	$4,843
Nebraska	$4,800
Florida	$4,419
Colorado	$4,099
Arkansas	$3,958
Texas	$3,851
Louisiana	$3,594
Missouri	$3,543
South Dakota	$3,390

The 10 least expensive states for homeowners insurance

The states with the lowest home insurance rates include several northern states that typically face less risk of catastrophic events like hurricanes. However, even some states with a high cost of living and wildfire risk, such as California, make the list of the states with the lowest home insurance rates due to factors such as state regulation and overall risk compared to other states.

That said, certain risks like earthquake damage are not covered by homeowners insurance, and thus, homeowners in some of these states could end up paying more if they want more comprehensive coverage. Notably, a standard home insurance policy in Hawaii does not cover hurricane damage.

State	Average annual premium
Hawaii	$613
New Hampshire	$1,221
Vermont	$1,263
Washington, D.C.	$1,342
Delaware	$1,384
Maine	$1,391
California	$1,405
Nevada	$1,467
New Jersey	$1,526
Washington	$1,612

Homeowners insurance rates by state calculator

See how the average annual home insurance rates vary with the options chosen.

State

Average Annual Home Insurance Rates In Florida

$5,097 Average rate

$9,995 Highest
rate

$853 Lowest
rate

Home insurance companies in Florida

Company	Average annual rate
Travelers	$1,755
Security First Insurance	$3,694
Amer Integrity Ins Co of FL	$4,051
Heritage Insurance Holdings	$4,481
Progressive	$4,638
State Farm	$4,806
HCI Group Inc	$4,887
Allstate	$4,916
Nationwide	$5,611
Universal Insurance Holding	$6,484
FedNat Holding	$7,212
Citizens Property Insurance	$8,632

How much is homeowners insurance per month in your state?

Homeowners insurance rates vary widely from state to state. Even neighboring states can have differences of several hundred dollars in annual premiums if not more. The rates below are for $300,000 in dwelling coverage and liability with a $1,000 deductible.

States	Average monthly premium
Alabama	$262
Alaska	$142
Arizona	$208
Arkansas	$330
California	$117
Colorado	$342
Connecticut	$186
Delaware	$115
Florida	$368
Georgia	$192
Hawaii	$51
Idaho	$163
Illinois	$255
Indiana	$249
Iowa	$221
Kansas	$404
Kentucky	$277
Louisiana	$300
Maine	$116
Maryland	$143
Massachusetts	$137
Michigan	$201
Minnesota	$202
Mississippi	$282
Missouri	$295
Montana	$274
Nebraska	$400
Nevada	$122
New Hampshire	$102
New Jersey	$127
New Mexico	$221
New York	$151
North Carolina	$245
North Dakota	$262
Ohio	$180
Oklahoma	$488
Oregon	$146
Pennsylvania	$159
Rhode Island	$163
South Carolina	$223
South Dakota	$283
Tennessee	$255
Texas	$321
Utah	$150
Vermont	$105
Virginia	$179
Washington	$134
Washington, D.C.	$112
West Virginia	$159
Wisconsin	$139
Wyoming	$158

Average home insurance rates in your state by dwelling coverage level

Our standard average rates are based on $300,000 in dwelling coverage, but it’s important to note that rates don’t always scale up or down proportionally based on coverage limits. Some states might be more competitive than others at the $300,000 limit, for example, while surpassing more states when it comes to average annual rates at a $1 million limit. That’s why it’s important to compare rates based on your situation.

State	$200,000	$300,000	$400,000	$600,000	$1,000,000
Alaska	$1,355	$1,708	$2,064	$2,779	$4,098
Alabama	$2,391	$3,147	$3,798	$5,144	$7,056
Arkansas	$3,328	$3,958	$4,675	$6,099	$7,768
Arizona	$1,906	$2,490	$3,063	$4,086	$5,161
California	$1,043	$1,405	$1,772	$2,598	$4,266
Colorado	$3,169	$4,099	$4,662	$5,542	$7,384
Connecticut	$1,750	$2,231	$2,707	$3,641	$4,762
Washington, D.C.	$984	$1,342	$1,703	$2,384	$3,699
Delaware	$1,078	$1,384	$1,729	$2,474	$3,406
Florida	$3,773	$4,419	$4,984	$5,854	$6,574
Georgia	$1,760	$2,302	$2,881	$4,006	$5,743
Hawaii	$461	$613	$791	$1,154	$1,831
Iowa	$2,022	$2,654	$3,230	$4,388	$6,267
Idaho	$1,476	$1,961	$2,449	$3,427	$5,288
Illinois	$2,423	$3,062	$3,587	$4,390	$5,752
Indiana	$2,313	$2,991	$3,620	$4,451	$5,749
Kansas	$3,638	$4,843	$5,688	$6,798	$8,310
Kentucky	$2,486	$3,326	$4,153	$5,182	$6,452
Louisiana	$2,822	$3,594	$4,409	$5,277	$5,979
Massachusetts	$1,303	$1,640	$1,998	$2,746	$4,168
Maryland	$1,318	$1,715	$2,131	$3,028	$4,700
Maine	$1,021	$1,391	$1,741	$2,510	$3,972
Michigan	$1,825	$2,411	$2,956	$3,564	$4,680
Minnesota	$1,828	$2,420	$2,999	$4,308	$5,991
Missouri	$2,638	$3,543	$4,114	$4,956	$6,641
Mississippi	$2,646	$3,380	$3,941	$4,700	$6,039
Montana	$2,523	$3,289	$3,831	$4,271	$5,825
North Carolina	$2,141	$2,941	$3,398	$4,375	$6,031
North Dakota	$2,431	$3,147	$3,898	$4,682	$6,991
Nebraska	$3,809	$4,800	$5,904	$7,365	$8,451
New Hampshire	$948	$1,221	$1,488	$2,032	$3,064
New Jersey	$1,171	$1,526	$1,894	$2,619	$3,915
New Mexico	$1,829	$2,647	$3,489	$4,529	$5,908
Nevada	$1,093	$1,467	$1,853	$2,707	$4,135
New York	$1,340	$1,816	$2,349	$3,276	$4,904
Ohio	$1,805	$2,160	$2,613	$3,265	$4,301
Oklahoma	$4,442	$5,858	$7,012	$8,426	$8,865
Oregon	$1,347	$1,755	$2,185	$3,016	$4,108
Pennsylvania	$1,475	$1,911	$2,130	$2,902	$3,908
Rhode Island	$1,505	$1,950	$2,381	$3,327	$5,235
South Carolina	$2,061	$2,678	$3,219	$4,319	$5,765
South Dakota	$2,607	$3,390	$3,970	$5,353	$7,420
Tennessee	$2,369	$3,060	$3,737	$4,873	$6,573
Texas	$2,951	$3,851	$4,643	$5,602	$6,799
Utah	$1,416	$1,802	$2,161	$2,876	$4,201
Virginia	$1,645	$2,151	$2,694	$3,430	$4,314
Vermont	$974	$1,263	$1,555	$2,147	$3,269
Washington	$1,260	$1,612	$2,017	$2,801	$4,314
Wisconsin	$1,274	$1,662	$2,038	$2,711	$4,091
West Virginia	$1,465	$1,911	$2,354	$3,271	$5,041
Wyoming	$1,351	$1,897	$2,490	$3,703	$5,597

Average home insurance rates by company

Looking at the average homeowners insurance cost in each state only tells part of the story. If you want to find the best rates, you need to comparison shop, as different home insurance companies offer different rates by state. Note that while a home insurance company might have lower-than-average rates in one state, that does not always apply to all states.

States	Top 10 companies	Average monthly premium	Average monthly premium
Alaska	Allstate	$1,747	$146
Alaska	Country Financial	$1,389	$116
Alaska	State Farm	$1,764	$147
Alaska	USAA	$1,946	$162
Alaska	Western National Mutual	$1,216	$101
Alabama	Alfa Corporation	$3,784	$315
Alabama	Allstate	$2,134	$178
Alabama	Auto-Owners	$2,868	$239
Alabama	Country Financial	$3,567	$297
Alabama	Farmers	$3,231	$269
Alabama	Nationwide	$3,465	$289
Alabama	State Farm	$3,137	$261
Alabama	USAA	$2,990	$249
Arkansas	Allstate	$3,418	$285
Arkansas	Auto-Owners	$5,533	$461
Arkansas	Farm Bureau Mutual Ins Co of AR	$3,390	$283
Arkansas	Farmers	$4,578	$382
Arkansas	Nationwide	$3,741	$312
Arkansas	Shelter Insurance	$4,089	$341
Arkansas	State Farm	$3,199	$267
Arkansas	Travelers	$9,602	$800
Arkansas	USAA	$3,626	$302
Arizona	Allstate	$2,507	$209
Arizona	American Family	$1,780	$148
Arizona	Farmers	$3,220	$268
Arizona	Nationwide	$1,840	$153
Arizona	State Farm	$1,585	$132
Arizona	Travelers	$6,002	$500
Arizona	USAA	$1,942	$162
California	Allstate	$886	$74
California	Auto Club Enterprises (AAA)	$1,325	$110
California	CSAA Insurance (AAA)	$1,324	$110
California	Farmers	$1,715	$143
California	Mercury Insurance	$1,388	$116
California	Nationwide	$1,417	$118
California	State Farm	$1,552	$129
California	Travelers	$1,097	$91
California	USAA	$1,305	$109
Colorado	Allstate	$3,246	$271
Colorado	American Family	$3,484	$290
Colorado	Farmers	$4,810	$401
Colorado	Nationwide	$5,391	$449
Colorado	State Farm	$3,199	$267
Colorado	USAA	$3,891	$324
Connecticut	American Family	$2,603	$217
Connecticut	Amica Mutual	$1,700	$142
Connecticut	Chubb Ltd	$2,336	$195
Connecticut	Farmers	$2,131	$178
Connecticut	National General Insurance	$1,255	$105
Connecticut	State Farm	$1,708	$142
Connecticut	Travelers	$5,225	$435
Connecticut	USAA	$1,783	$149
Washington, D.C.	Allstate	$1,353	$113
Washington, D.C.	Chubb Ltd	$1,453	$121
Washington, D.C.	Nationwide	$1,334	$111
Washington, D.C.	State Farm	$1,428	$119
Washington, D.C.	USAA	$1,076	$90
Delaware	Allstate	$1,272	$106
Delaware	American Family	$1,587	$132
Delaware	Cumberland Insurance	$991	$83
Delaware	State Farm	$1,123	$94
Delaware	Travelers	$1,946	$162
Florida	Allstate	$4,946	$412
Florida	Amer Integrity Ins Co of FL	$4,067	$339
Florida	Citizens Property Insurance	$8,632	$719
Florida	FedNat Holding	$7,227	$602
Florida	HCI Group Inc	$4,905	$409
Florida	Heritage Insurance Holdings	$4,493	$374
Florida	Nationwide	$5,623	$469
Florida	Progressive	$4,595	$383
Florida	Security First Insurance	$3,720	$310
Florida	State Farm	$4,826	$402
Florida	Travelers	$1,775	$148
Florida	Universal Insurance Holding	$6,502	$542
Georgia	Allstate	$1,589	$132
Georgia	Auto-Owners	$1,459	$122
Georgia	Farmers	$2,739	$228
Georgia	Georgia Farm Bureau	$2,457	$205
Georgia	Nationwide	$2,652	$221
Georgia	State Farm	$2,765	$230
Georgia	Travelers	$2,618	$218
Georgia	USAA	$2,174	$181
Hawaii	AIG	$606	$51
Hawaii	Allstate	$551	$46
Hawaii	Dongbu Insurance	$477	$40
Hawaii	Island Insurance	$663	$55
Hawaii	Ocean Harbor	$923	$77
Hawaii	RLI Insurance	$789	$66
Hawaii	State Farm	$420	$35
Hawaii	Tokio Marine Holdings	$669	$56
Hawaii	Universal Insurance Co	$420	$35
Iowa	Allstate	$2,867	$239
Iowa	American Family	$2,324	$194
Iowa	Auto-Owners	$1,890	$158
Iowa	Farmers	$3,101	$258
Iowa	IMT Insurance	$2,326	$194
Iowa	Iowa Farm bureau	$3,347	$279
Iowa	Nationwide	$2,529	$211
Iowa	State Farm	$2,432	$203
Iowa	USAA	$2,811	$234
Iowa	West Bend Mutual	$1,545	$129
Idaho	Allstate	$1,766	$147
Idaho	American Family	$1,398	$117
Idaho	Farm Bureau	$3,017	$251
Idaho	Farmers	$1,820	$152
Idaho	Nationwide	$1,328	$111
Idaho	State Farm	$2,226	$186
Idaho	USAA	$2,085	$174
Illinois	Allstate	$1,753	$146
Illinois	American Family	$5,088	$424
Illinois	Auto-Owners	$2,239	$187
Illinois	Country Financial	$3,561	$297
Illinois	Farmers	$3,273	$273
Illinois	Nationwide	$2,068	$172
Illinois	State Farm	$2,089	$174
Illinois	Travelers	$7,861	$655
Illinois	USAA	$2,243	$187
Indiana	Allstate	$1,186	$99
Indiana	American Family	$2,275	$190
Indiana	Auto-Owners	$3,127	$261
Indiana	Erie Insurance	$2,460	$205
Indiana	Farmers	$3,543	$295
Indiana	Indiana Farm Bureau Grp	$4,414	$368
Indiana	Indiana Farmers	$1,679	$140
Indiana	Nationwide	$2,809	$234
Indiana	State Farm	$2,267	$189
Indiana	Travelers	$8,092	$674
Indiana	USAA	$2,435	$203
Kansas	Allstate	$4,188	$349
Kansas	American Family	$3,751	$313
Kansas	Farmers	$4,811	$401
Kansas	Iowa Farm bureau	$4,197	$350
Kansas	Nationwide	$7,395	$616
Kansas	Shelter Insurance	$3,428	$286
Kansas	State Farm	$3,611	$301
Kentucky	Auto-Owners	$3,129	$261
Kentucky	Automobile Club MI (AAA)	$3,434	$286
Kentucky	Cincinnati Insurance	$2,248	$187
Kentucky	Grange Mutual	$3,767	$314
Kentucky	Kentucky Farm Bureau	$6,071	$506
Kentucky	Nationwide	$3,273	$273
Kentucky	Progressive	$2,297	$191
Kentucky	State Farm	$2,727	$227
Kentucky	Westfield Insurance	$2,989	$249
Louisiana	Allstate	$3,421	$285
Louisiana	Farmers	$4,759	$397
Louisiana	LA Farm bureau	$4,665	$389
Louisiana	Progressive	$1,439	$120
Louisiana	State Farm	$5,049	$421
Louisiana	USAA	$3,094	$258
Massachusetts	Allstate	$2,040	$170
Massachusetts	Amica Mutual	$2,733	$228
Massachusetts	Andover Insurance	$890	$74
Massachusetts	Arbella Insurance	$1,492	$124
Massachusetts	Heritage Insurance Holdings	$1,053	$88
Massachusetts	Mapfre Insurance	$1,765	$147
Massachusetts	Safety Insurance	$1,687	$141
Massachusetts	State Farm	$1,179	$98
Massachusetts	Travelers	$1,682	$140
Massachusetts	USAA	$1,840	$153
Massachusetts	Vermont Mutual	$1,356	$113
Maryland	Allstate	$1,679	$140
Maryland	American Family	$1,913	$159
Maryland	Chubb Ltd	$2,258	$188
Maryland	Erie Insurance	$1,683	$140
Maryland	Farmers	$1,560	$130
Maryland	Nationwide	$1,909	$159
Maryland	State Farm	$1,126	$94
Maryland	Travelers	$1,456	$121
Maryland	USAA	$1,780	$148
Maine	Allstate	$1,026	$86
Maine	Auto-Owners	$836	$70
Maine	Chubb Ltd	$1,112	$93
Maine	Farmers	$2,267	$189
Maine	Frankenmuth Insurance	$1,323	$110
Maine	MMG Insurance	$1,488	$124
Maine	Quincy Mutual	$1,312	$109
Maine	State Farm	$1,002	$84
Maine	The Hanover	$2,893	$241
Maine	Vermont Mutual	$654	$55
Michigan	Auto-Owners	$426	$36
Michigan	Automobile Club MI (AAA)	$1,498	$125
Michigan	Farmers	$2,824	$235
Michigan	Frankenmuth Insurance	$1,745	$145
Michigan	Michigan Farm Bureau	$6,265	$522
Michigan	State Farm	$2,036	$170
Michigan	The Hanover	$3,286	$274
Michigan	USAA	$2,140	$178
Minnesota	American Family	$2,447	$204
Minnesota	Auto-Owners	$1,557	$130
Minnesota	Automobile Club MI (AAA)	$1,845	$154
Minnesota	Country Financial	$5,166	$431
Minnesota	Farmers	$2,679	$223
Minnesota	North Star Mutual	$1,925	$160
Minnesota	State Farm	$2,574	$215
Minnesota	West Bend Mutual	$1,686	$141
Minnesota	Western National Mutual	$1,641	$137
Missouri	Allstate	$3,743	$312
Missouri	American Family	$3,372	$281
Missouri	Auto Club Enterprises (AAA)	$2,014	$168
Missouri	Farmers	$6,342	$529
Missouri	Nationwide	$4,608	$384
Missouri	Shelter Insurance	$3,310	$276
Missouri	State Farm	$2,490	$208
Missouri	USAA	$2,617	$218
Mississippi	Allstate	$2,542	$212
Mississippi	Farmers	$4,813	$401
Mississippi	Nationwide	$3,026	$252
Mississippi	Southern Farm Bureau	$2,361	$197
Mississippi	State Farm	$3,067	$256
Mississippi	Travelers	$8,860	$738
Mississippi	USAA	$2,467	$206
Montana	Allstate	$3,393	$283
Montana	Chubb Ltd	$1,659	$138
Montana	Farmers	$3,945	$329
Montana	Nationwide	$2,339	$195
Montana	State Farm	$2,561	$213
Montana	Travelers	$7,948	$662
Montana	USAA	$2,945	$245
North Carolina	Erie Insurance	$3,611	$301
North Carolina	Nationwide	$3,149	$262
North Carolina	North Carolina Farm Bureau	$2,196	$183
North Carolina	State Farm	$1,170	$98
North Carolina	USAA	$3,346	$279
North Dakota	Agraria Mutual	$2,017	$168
North Dakota	Allstate	$2,641	$220
North Dakota	American Family	$2,435	$203
North Dakota	Auto-Owners	$3,160	$263
North Dakota	Country Financial	$3,196	$266
North Dakota	Farmers	$4,527	$377
North Dakota	Nodak Insurance	$2,562	$214
North Dakota	North Star Mutual	$1,895	$158
North Dakota	State Farm	$3,128	$261
Nebraska	Allstate	$4,254	$355
Nebraska	American Family	$3,961	$330
Nebraska	Farmers	$4,824	$402
Nebraska	Farmers Mutual Ins Co of NE	$4,705	$392
Nebraska	Iowa Farm bureau	$4,667	$389
Nebraska	Nationwide	$6,230	$519
Nebraska	State Farm	$4,527	$377
Nebraska	Travelers	$9,512	$793
Nebraska	USAA	$5,105	$425
New Hampshire	Allstate	$848	$71
New Hampshire	Amica Mutual	$796	$66
New Hampshire	Auto-Owners	$1,047	$87
New Hampshire	Farmers	$1,055	$88
New Hampshire	MMG Insurance	$1,896	$158
New Hampshire	Nationwide	$1,611	$134
New Hampshire	Plymouth Rock Assurance	$1,262	$105
New Hampshire	State Farm	$1,148	$96
New Hampshire	USAA	$1,363	$114
New Hampshire	Vermont Mutual	$757	$63
New Jersey	Chubb Ltd	$1,189	$99
New Jersey	Farmers	$2,089	$174
New Jersey	Franklin Mutual	$1,410	$118
New Jersey	Heritage Insurance Holdings	$1,792	$149
New Jersey	National General Insurance	$1,190	$99
New Jersey	New Jersey Manufacturers	$966	$81
New Jersey	Plymouth Rock Assurance	$2,199	$183
New Jersey	State Farm	$1,214	$101
New Jersey	USAA	$1,270	$106
New Mexico	Farmers	$3,083	$257
New Mexico	State Farm	$1,775	$148
Nevada	American Family	$1,505	$125
Nevada	Country Financial	$2,159	$180
Nevada	CSAA Insurance (AAA)	$1,676	$140
Nevada	Farmers	$1,641	$137
Nevada	Nationwide	$1,158	$97
Nevada	State Farm	$1,346	$112
Nevada	USAA	$1,234	$103
New York	AIG	$1,564	$130
New York	Allstate	$1,876	$156
New York	American Family	$914	$76
New York	Chubb Ltd	$1,987	$166
New York	Farmers	$3,330	$278
New York	Heritage Insurance Holdings	$1,663	$139
New York	Nationwide	$1,540	$128
New York	NYCM Insurance	$1,108	$92
New York	State Farm	$1,264	$105
New York	Travelers	$1,606	$134
Ohio	Allstate	$1,690	$141
Ohio	American Family	$1,893	$158
Ohio	Auto-Owners	$1,610	$134
Ohio	Erie Insurance	$1,885	$157
Ohio	Farmers	$2,578	$215
Ohio	Grange Mutual	$2,279	$190
Ohio	Nationwide	$1,902	$159
Ohio	State Farm	$1,807	$151
Ohio	Travelers	$6,626	$552
Ohio	USAA	$1,548	$129
Oklahoma	Allstate	$4,445	$370
Oklahoma	Farmers	$7,313	$609
Oklahoma	Oklahoma Farm Bureau	$4,225	$352
Oklahoma	Shelter Insurance	$5,473	$456
Oklahoma	State Farm	$5,108	$426
Oklahoma	USAA	$6,267	$522
Oregon	Allstate	$1,709	$142
Oregon	American Family	$1,330	$111
Oregon	Country Financial	$2,750	$229
Oregon	Farmers	$2,041	$170
Oregon	Nationwide	$1,238	$103
Oregon	State Farm	$1,294	$108
Oregon	USAA	$1,655	$138
Pennsylvania	Allstate	$1,180	$98
Pennsylvania	Erie Insurance	$1,367	$114
Pennsylvania	Farmers	$2,072	$173
Pennsylvania	Nationwide	$1,592	$133
Pennsylvania	State Farm	$1,424	$119
Pennsylvania	Travelers	$5,232	$436
Pennsylvania	USAA	$1,496	$125
Rhode Island	AIG	$1,607	$134
Rhode Island	Allstate	$2,085	$174
Rhode Island	Amica Mutual	$2,237	$186
Rhode Island	Andover Insurance	$2,422	$202
Rhode Island	Nationwide	$2,045	$170
Rhode Island	Pure Companies Grp	$1,807	$151
Rhode Island	State Farm	$1,446	$121
South Carolina	Allstate	$2,021	$168
South Carolina	Auto-Owners	$2,293	$191
South Carolina	Farmers	$3,793	$316
South Carolina	Progressive	$2,455	$205
South Carolina	South Carolina Farm Bureau Mutual	$2,974	$248
South Carolina	State Farm	$1,969	$164
South Carolina	Travelers	$6,217	$518
South Carolina	USAA	$1,952	$163
South Dakota	Allstate	$2,698	$225
South Dakota	American Family	$3,465	$289
South Dakota	Auto-Owners	$2,264	$189
South Dakota	Farmers	$4,791	$399
South Dakota	Farmers Mutual Ins Co of NE	$3,005	$250
South Dakota	Iowa Farm bureau	$2,892	$241
South Dakota	Nationwide	$3,105	$259
South Dakota	North Star Mutual	$2,431	$203
South Dakota	State Farm	$3,029	$252
South Dakota	USAA	$3,662	$305
Tennessee	Allstate	$2,478	$207
Tennessee	Auto-Owners	$2,431	$203
Tennessee	Erie Insurance	$3,642	$304
Tennessee	Farmers	$3,772	$314
Tennessee	Progressive	$2,197	$183
Tennessee	State Farm	$2,523	$210
Tennessee	Tennessee Farmers	$2,325	$194
Tennessee	Travelers	$6,604	$550
Tennessee	USAA	$2,122	$177
Texas	Farmers	$3,872	$323
Texas	Nationwide	$5,495	$458
Texas	Progressive	$4,095	$341
Texas	State Farm	$3,725	$310
Texas	USAA	$3,263	$272
Utah	American Family	$1,260	$105
Utah	Auto-Owners	$1,761	$147
Utah	Farmers	$1,537	$128
Utah	Nationwide	$1,260	$105
Utah	State Farm	$1,078	$90
Utah	USAA	$2,464	$205
Virginia	Allstate	$1,857	$155
Virginia	American Family	$871	$73
Virginia	Erie Insurance	$1,706	$142
Virginia	Farmers	$3,186	$266
Virginia	Nationwide	$1,732	$144
Virginia	Progressive	$1,363	$114
Virginia	State Farm	$1,451	$121
Virginia	Travelers	$5,116	$426
Virginia	Virginia Farm Bureau	$1,080	$90
Vermont	Allstate	$798	$67
Vermont	Auto-Owners	$793	$66
Vermont	Co-operative Insurance	$1,231	$103
Vermont	Farmers	$1,868	$156
Vermont	State Farm	$1,258	$105
Vermont	Travelers	$3,024	$252
Vermont	Union Mutual	$1,232	$103
Vermont	USAA	$1,008	$84
Vermont	Vermont Mutual	$712	$59
Washington	Allstate	$1,213	$101
Washington	Farmers	$1,598	$133
Washington	Nationwide	$987	$82
Washington	PEMCO	$1,079	$90
Washington	State Farm	$1,522	$127
Washington	USAA	$2,352	$196
Wisconsin	Acuity A Mutual Ins Co	$1,780	$148
Wisconsin	Allstate	$1,332	$111
Wisconsin	American Family	$2,359	$197
Wisconsin	Auto-Owners	$1,945	$162
Wisconsin	Farmers	$1,815	$151
Wisconsin	Nationwide	$1,575	$131
Wisconsin	Secura Insurance	$1,451	$121
Wisconsin	State Farm	$1,496	$125
Wisconsin	USAA	$1,658	$138
Wisconsin	West Bend Mutual	$1,063	$89
West Virginia	Allstate	$1,720	$143
West Virginia	Automobile Club MI (AAA)	$1,888	$157
West Virginia	Erie Insurance	$2,138	$178
West Virginia	Nationwide	$1,721	$143
West Virginia	Progressive	$2,676	$223
West Virginia	State Farm	$1,793	$149
West Virginia	USAA	$1,218	$102
West Virginia	Westfield Insurance	$2,137	$178
Wyoming	Allstate	$2,847	$237
Wyoming	Farmers	$2,301	$192
Wyoming	Nationwide	$1,174	$98
Wyoming	State Farm	$1,727	$144
Wyoming	USAA	$1,436	$120

*USAA is only available to military members, veterans and their families.

How have home insurance rates changed in each state year over year?

In general, homeowners insurance rates have trended upward in recent years. Based on available data from 2019, 2022 and 2023, we have seen average homeowners insurance rates in the U.S. increase steadily in most states. However, the same pace does not apply in all states, with a few, like Alaska and Vermont, actually seeing an overall decrease.

State	2019	2022	2023
Alaska	$1,482	$1,880	$1,708
Alabama	$2,971	$3,066	$3,147
Arkansas	$3,376	$4,073	$3,958
Arizona	$1,785	$1,966	$2,490
California	$1,166	$1,380	$1,405
Colorado	$3,141	$3,388	$4,099
Connecticut	$1,774	$2,100	$2,231
Washington, D.C.	$1,260	$1,203	$1,342
Delaware	$1,219	$1,389	$1,384
Florida	$4,037	$4,218	$4,419
Georgia	$2,061	$2,163	$2,302
Hawaii	$499	$582	$613
Iowa	$2,152	$2,402	$2,654
Idaho	$1,463	$1,892	$1,961
Illinois	$1,900	$2,604	$3,062
Indiana	$2,057	$2,721	$2,991
Kansas	$4,458	$4,665	$4,843
Kentucky	$2,639	$3,163	$3,326
Louisiana	$3,767	$3,481	$3,594
Massachusetts	$1,937	$1,518	$1,640
Maryland	$1,474	$1,630	$1,715
Maine	$1,550	$1,407	$1,391
Michigan	$1,909	$2,319	$2,411
Minnesota	$2,529	$2,327	$2,420
Missouri	$2,933	$3,349	$3,543
Mississippi	$3,195	$3,398	$3,380
Montana	$2,732	$2,874	$3,289
North Carolina	$1,886	$2,768	$2,941
North Dakota	$2,259	$2,946	$3,147
Nebraska	$3,440	$4,624	$4,800
New Hampshire	$1,109	$1,144	$1,221
New Jersey	$1,454	$1,299	$1,526
New Mexico	$2,230	$2,542	$2,647
Nevada	$1,220	$1,457	$1,467
New York	$1,659	$1,728	$1,816
Ohio	$1,713	$2,017	$2,160
Oklahoma	$4,342	$4,945	$5,858
Oregon	$1,119	$1,503	$1,755
Pennsylvania	$1,238	$1,760	$1,911
Rhode Island	$1,891	$1,774	$1,950
South Carolina	$2,552	$2,727	$2,678
South Dakota	$3,059	$3,529	$3,390
Tennessee	$2,998	$2,870	$3,060
Texas	$3,531	$3,418	$3,851
Utah	$1,126	$1,421	$1,802
Virginia	$1,717	$1,999	$2,151
Vermont	$929	$1,175	$1,263
Washington	$1,288	$1,659	$1,612
Wisconsin	$1,454	$1,508	$1,662
West Virginia	$1,885	$1,801	$1,911
Wyoming	$1,696	$1,858	$1,897

Will homeowners insurance go down in 2024?

Average homeowners insurance premiums are unlikely to go down in 2024, although homeowners may get a reprieve from the steep climb.

“Unfortunately, homeowners insurance rates are likely to continue to rise throughout 2024, though probably at a slower pace than over the past year or two. Insurance companies increased prices significantly through 2023 and have gotten closer to profitability. Inflation has also fallen, and these trends moderate rate increases,” Terry says. “However, severe weather events show no sign of slowing down, and costs to rebuild, driven by materials and construction labor costs, continue to increase. That means that we will keep seeing our homeowners insurance bills go up.

”However, even if you face increasing homeowners insurance premiums in your state, there are still steps you can take to save money.“

The easiest is to get some quotes that bundle your auto and home insurance together. This can save up to 20% overall on your insurance, though it’s still worth getting a few quotes for home and auto, together and separately, to make sure that’s the case,” Terry says.

Making some home improvements or adding technology can also lower insurance premiums, such as installing alarm systems or water leak detection devices.

“And, especially in hurricane-exposed areas, there are discounts for reinforcing your home to make it more wind resistant. It’s worth asking if your current insurer has any programs that help make your home safer; some of them will even provide the devices for your home,” Terry says.

Is homeowners insurance required in any state?

Homeowners insurance is not required by law in any state. However, lenders require homeowners to carry home insurance as a condition for obtaining a mortgage. Even if you are not required to carry homeowners insurance (if you don’t have a mortgage, for example), consider the risks of being uninsured. Most people can’t afford to replace their homes and possessions out of pocket, and insurance is the best way to protect both.

Final thoughts on average home insurance rates by state

Don’t assume that a state with a low cost of living also has low home insurance rates, or vice versa. The average homeowners insurance cost by state depends on several factors beyond just rebuilding costs, such as the risk of catastrophic events like hurricanes and tornadoes. But even if your state faces high homeowners insurance costs on average, you can find ways to save money, starting with comparison shopping for the best home insurance company in your state.

Methodology

Insure.com analyzed home insurance rates provided by Quadrant Data Services in 2024 for all 50 states and Washington, D.C. Rates were fielded from 34,588 ZIP codes at multiple coverage levels to calculate averages for each state as well as nationwide. Coverage levels are dwelling coverage of $200,000, $300,000, $400,000, $600,000 and $1,000,000 with liability at $300,000 and a $1,000 deductible. A 2% hurricane deductible was applied in states where it is available.

What our expert says

Kate TerryCo-founder and CEO of Surround Insurance.

“Homeowners insurance prices are driven by two underlying factors: How likely your home is to get damaged, and how much it will cost to fix. While the likelihood of damage is affected by how big your home is, what it's built out of, and how old it is, a far bigger factor in many areas is how exposed your house is to catastrophic events like hurricanes and wildfires.”

How much is home insurance in your state or city

Compare home insurance rates by state and learn about how home insurance works in your area. Select your state or city from the below list to get an estimate of home insurance cost.

Alaska ($1,867/year)

Anchorage|Fairbanks|Juneau|Sitka|Wasilla

Alabama ($2,882/year)

Beaverton|Gardendale|Huntsville|Mobile|Tuscaloosa

Arkansas ($4,062/year)

Fayetteville|Fort Smith|Jonesboro|Little Rock

Arizona ($1,947/year)

Chandler|Gilbert|Mesa|Phoenix|Tucson

California ($1,357/year)

Colorado ($3,376/year)

Arvada|Colorado Springs|Mesa

Connecticut ($2,165/year)

Bridgeport|Hartford|New Haven|Stamford|Waterbury

Washington D.C. ($1,203/year)

Delaware ($1,230/year)

Dover|Middletown|Newark|Smyrna|Wilmington

Florida ($2,260/year)

Georgia ($2,375/year)

Atlanta|Columbus|Savannah

Hawaii ($562/year)

Jake Safane

Jake Safane is a freelance writer specializing in finance and sustainability. He has worked as a thought leadership editor at The Economist, and his writing has appeared in publications such as CBS MoneyWatch, Business Insider, and the Los Angeles Times.