Homeowners insurance by state

The cost of homeowners insurance varies in every state, and your location will also affect what type of coverage you need. Learn more about homeowners insurance in your state.

Pat Howard 1600Anna Swartz

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Pat Howard

Pat Howard

Senior Editor & Licensed Home Insurance Expert

Pat Howard is a senior editor and licensed home insurance agent at Policygenius, where he specializes in homeowners insurance. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere.

 & Anna Swartz

Anna Swartz

Managing Editor & Auto Insurance Expert

Anna Swartz is a managing editor and auto insurance expert at Policygenius, where she oversees our car insurance coverage. Previously, she was a senior staff writer at Mic.com, as well as an associate writer at The Dodo.

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This article has been reviewed by a licensed Policygenius expert to ensure that sources, statistics, and claims meet our standard for accurate and unbiased advice.

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Michael Reynolds, CSRIC®, AIF®, CFT-I™

Michael Reynolds, CSRIC®, AIF®, CFT-I™

Financial Advisor

Michael Reynolds, CSRIC®, AIF®, CFT-I™, is a financial advisor, principal and founder of Elevation Financial, host of the weekly personal finance podcast Wealth Redefined®, and a member of the Financial Review Council at Policygenius.

Updated | 2 min read

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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.

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).

StateAverage annual rateStateAverage annual rate
Alabama$1,409Montana$1,237
Alaska$984Nebraska$1,569
Arizona$843Nevada$776
Arkansas$1,419New Hampshire$984
California$1,073New Jersey$1,209
Colorado$1,616New Mexico$1,075
Connecticut$1,494New York$1,321
Delaware$873North Carolina$1,103
District of Columbia$1,264North Dakota$1,293
Florida$1,960Ohio$874
Georgia$1,313Oklahoma$1,944
Hawaii$1,140Oregon$706
Idaho$772Pennsylvania$943
Illinois$1,103Rhode Island$1,630
Indiana$1,030South Carolina$1,284
Iowa$987South Dakota$1,280
Kansas$1,617Tennessee$1,232
Kentucky$1,152Texas$1,955
Louisiana$1,987Utah$730
Maine$905Vermont$935
Maryland$1,071Virginia$1,026
Massachusetts$1,543Washington$881
Michigan$981West Virginia$970
Minnesota$1,400Wisconsin$814
Mississippi$1,578Wyoming$1,187
Missouri$1,383