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 1600

By

Pat Howard

Pat Howard

Property and Casualty Insurance Expert

Pat Howard is a senior editor at Policygenius specializing in property and casualty insurance. His work has been featured on Property Casualty 360, Fatherly, MarketWatch, and more.

&

Anna Swartz

Anna Swartz

Insurance Expert

Anna Swartz is a Managing Editor at Policygenius, specializing in auto insurance. Her work has appeared in Mic, The Dodo, AOL, MSN, HuffPost, Salon and Heeb.

Updated June 14, 2021|2 min read

Policygenius content follows strict guidelines for editorial accuracy and integrity. Learn about our

editorial standards

and

how we make money.

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.

homeowners insurance rates by state [png map updated May 4 2021]

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

More about

Homeowners Insurance

Homeowners insurance in California

The cost of homeowners insurance in California is $1,280 a year for the average amount of coverage. California residents can compare rates from multiple companies with Policygenius.

Read more

Homeowners insurance in Colorado

The cost of homeowners insurance in Colorado is $2,270 a year for the average amount of coverage. Colorado residents can compare rates from multiple companies with Policygenius.

Read more

Homeowners insurance in New York

The cost of homeowners insurance in New York is $1,188 a year for the average amount of coverage. New York residents can compare rates from 13 different companies with Policygenius.

Read more