Homeowners insurance by state

The average annual cost of homeowners insurance in the U.S. is $1,633 per year, according to Policygenius quote data, but your coverage needs, requirements, and rates will vary depending on where your house is located.

Along with the age of your roof, your claims history, and your policy deductible, your home’s location is one of the biggest indicators of how much you’ll pay for home insurance. Location affects home insurance for a few reasons — the biggest being that some areas are more prone to certain risks than others.

Living in an area of the country with frequent hurricanes or wildfires can mean higher rates, and there may be some insurers that refuse to write policies to homeowners who live in certain places. The costs of building a home in your area may also affect the cost of homeowners insurance, and the cost of home insurance also tends to be higher if you live in a densely populated city.

Check out our Policygenius guides to homeowners insurance in these popular states

Don't see your state? Check out more state-by-state homeowners insurance guides here

How much does home insurance cost in every state?

The average cost of homeowners insurance in your state can give you some idea of what you'll pay to insure your home, but remember that there are lots of other factors beyond your ZIP code that determine your rates, including the age and style of your home, the materials used to build it, the age of your roof, the coverage limits and deductibles you choose, and your own insurance history.

That said, let's take a look at the average cost of home insurance in every state, to get a sense of where in the U.S. homeowners pay more for coverage (the most expensive states for home insurance are Louisiana, Florida, Texas, Oklahoma and Rhode Island, while the cheapest states for home insurance are Oregon, Utah, Idaho, Nevada and Wisconsin).