Average homeowners insurance cost (October 2024)

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By

Pat HowardManaging Editor & Licensed Home Insurance ExpertPat Howard is a licensed insurance expert and managing editor at Policygenius. Pat has written extensively about the home insurance industry and his insights as a subject matter expert have appeared in several top tier publications, including The New York Times, The Wall Street Journal, CNBC, and Reuters. Pat has a bachelor's degree in journalism from Michigan State University.

Edited by

Jennifer GimbelJennifer GimbelSenior Managing Editor & Home Insurance ExpertJennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

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How much is homeowners insurance in the U.S.?

The average cost of homeowners insurance in the U.S. is $1,754 per year, or $146 a month, according to a 2023 Policygenius analysis of home insurance premiums in every U.S. state and ZIP code.

Keep in mind that this is just an estimate. Your actual homeowners insurance rates will depend on several factors, such as your state, city, or ZIP code; how much dwelling coverage you need to completely rebuild your home after a disaster; your home's size, age, and other characteristics; and personal factors like your credit score and claims history.

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For this analysis, our licensed insurance experts at Policygenius looked at sample quotes for a 40-year-old homeowner with $300,000 in dwelling coverage, $300,000 in liability coverage, and a $1,000 deductible.

Why you can trust our rates

As an online insurance marketplace, Policygenius works closely with homeowners all over the U.S. to help them find a home insurance policy that suits their needs — without bias or favor toward any one company. Our educational guides are written and fact-checked by licensed home insurance experts and reviewed by our Financial Review Council to ensure autonomy, expertise, and accuracy. You can view our full methodology below.

How much does homeowners insurance cost in your state?

Your homeowners insurance rate can vary by hundreds or even thousands of dollars depending on the state you live in and whether your home is susceptible to severe storms or natural disasters. Depending on where you live, you can expect to pay anywhere from around $300 a year to over $4,000 a year — a $3,700 difference. To see the typical cost of home insurance where you live, hover over your state on the map below.

Average home insurance costs have increased significantly in each state in 2024, but homeowners in states with a relatively low risk of natural disasters — such as Vermont and New Hampshire — likely haven't seen the same level of sticker shock as more high-risk coastal states.

Here is the average cost of home insurance per month and annually in each state, along with the percentage difference from the average homeowners insurance cost in the U.S. of $1,754 per year.

State

Average annual cost

Average monthly cost

Difference from national average (%)

Alaska

$1,355

$113

-23%

Alabama

$1,940

$162

11%

Arkansas

$2,838

$237

62%

Arizona

$1,667

$139

-5%

California

$1,383

$115

-21%

Colorado

$2,322

$194

32%

Connecticut

$1,329

$111

-24%

Deleware

$918

$77

-48%

Florida

$2,288

$191

30%

Georgia

$1,950

$163

11%

Hawaii

$486

$41

-72%

Iowa

$1,686

$141

-4%

Idaho

$1,258

$105

-28%

Illinois

$1,720

$143

-2%

Indiana

$1,668

$139

-5%

Kansas

$2,981

$248

70%

Kentucky

$2,565

$214

46%

Louisiana

$2,452

$204

40%

Massachusetts

$1,275

$106

-27%

Maryland

$1,539

$128

-12%

Maine

$1,020

$85

-42%

Michigan

$1,422

$119

-19%

Minnesota

$1,829

$152

4%

Missouri

$2,579

$215

47%

Mississippi

$2,624

$219

50%

Montana

$2,140

$178

22%

North Carolina

$1,545

$129

-12%

North Dakota

$1,884

$157

7%

Nebraska

$3,510

$293

100%

New Hampshire

$953

$79

-46%

New Jersey

$886

$74

-49%

New Mexico

$1,681

$140

-4%

Nevada

$1,191

$99

-32%

New York

$1,114

$93

-36%

Ohio

$1,236

$103

-30%

Oklahoma

$4,161

$347

137%

Oregon

$869

$72

-50%

Pennsylvania

$1,101

$92

-37%

Rhode Island

$1,303

$109

-26%

South Carolina

$1,653

$138

-6%

South Dakota

$311

$26

-82%

Tennessee

$2,095

$175

19%

Texas

$2,919

$243

66%

Utah

$894

$75

-49%

Virginia

$1,277

$106

-27%

Vermont

$865

$72

-51%

Washington

$1,159

$97

-34%

Wisconsin

$1,150

$96

-34%

West Virginia

$1,426

$119

-19%

Wyoming

$1,547

$129

-12%

Collapse table

Based on a policy with $300,000 in dwelling coverage

Learn more >> How to calculate homeowners insurance costs

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What are the cheapest & most expensive states for home insurance?

The states with the cheapest average cost of homeowners insurance in 2024 are South Dakota, Hawaii, Vermont, Oregon, and New Jersey. All of these states have average home insurance premiums of under $1,000 a year for a home with $300,000 in dwelling coverage.

The most affordable states for homeowners insurance

1. South Dakota: $311 per year

2. Hawaii: $486 per year

3. Vermont: $865 per year

4. Oregon: $869 per year

5. New Jersey: $886 per year

On the flip side, the states with the most expensive average home insurance costs in 2024 are Oklahoma, Nebraska, Kansas, Texas, and Arkansas. One thing most of these states have in common? They're all located in or around Tornado Alley — a region of the country that sees frequent twisters and hailstorms throughout the year.

The most expensive states for homeowners insurance

1. Oklahoma: $4,161 per year 

2. Nebraska: $3,510 per year

3. Kansas: $2,981 per year

4. Texas: $2,919 per year

5. Arkansas: $2,838 per year

Learn more >> Cheap homeowners insurance companies for 2024

How much does home insurance cost in your city?

To find the average homeowners insurance cost by city, we analyzed premiums from over a dozen carriers in 67 of the largest metropolitan areas in the U.S. To ensure we were providing homeowners with meaningful insights, we calculated each city's average annual and monthly rate, and broke down how these costs compare to the overall average in the state where the city is based.

Miami had the most expensive rate at $3,572 per year, while Portland's average rate of $801 per year was the cheapest of the cities we analyzed.

City

Average annual cost

Average monthly cost

Difference from state average (%)

Albany, NY

$1,025

$85

-8%

Albuquerque, NM

$1,488

$124

-11%

Atlanta, GA

$2,049

$171

5%

Austin, TX

$2,158

$180

-26%

Baltimore, MD

$1,826

$152

19%

Boston, MA

$1,467

$122

15%

Charlotte, NC

$1,605

$134

4%

Chicago, IL

$2,130

$178

24%

Cincinnati, OH

$1,240

$103

0%

Cleveland, OH

$1,239

$103

0%

Colorado Springs, CO

$2,984

$249

29%

Columbus, OH

$1,266

$106

2%

Corpus Christi, TX

$2,466

$206

-16%

Dallas, TX

$3,284

$274

13%

Denver, C

O

$3,021

$252

30%

Detroit, MI

$2,327

$194

64%

Durham, NC

$1,749

$146

13%

Fort Myers, FL

$1,909

$159

-17%

Fort Worth, TX

$3,258

$272

12%

Hartford, CT

$1,479

$123

11%

Henderson, NV

$1,183

$99

-1%

Houston, TX

$2,936

$245

1%

Indianapolis, IN

$1,831

$153

10%

Jacksonville, FL

$1,884

$157

-18%

Jersey City, NJ

$1,029

$86

16%

Kansas City, KS

$2,567

$214

-14%

Lakewood, CO

$2,864

$239

23%

Las Vegas, NV

$1,249

$104

5%

Los Angeles, CA

$1,566

$131

13%

Louisville, KY

$2,086

$174

-19%

Memphis, TN

$2,197

$183

5%

Miami, FL

$3,572

$298

56%

Milwaukee, WI

$1,235

$103

7%

Minneapolis, MN

$2,010

$168

10%

Naples, FL

$2,502

$209

9%

Nashville, TN

$2,023

$169

-3%

Newark, NJ

$1,032

$86

16%

New Orleans, LA

$2,805

$234

14%

New York,

NY

$1,511

$126

36%

Ocala, FL

$1,945

$162

-15%

Odessa, TX

$3,375

$281

16%

Olathe, KS

$2,405

$200

-19%

Orlando, FL

$2,315

$193

1%

Philadelphia, PA

$1,654

$138

50%

Phoenix, AZ

$1,781

$148

7%

Pittsburgh, PA

$1,138

$95

3%

Portland, OR

$801

$67

-8%

Raleigh, NC

$1,760

$147

14%

Richmond, VA

$1,257

$105

-2%

Sacramento, CA

$1,237

$103

-11%

Salt Lake City, UT

$899

$75

1%

San Antonio, TX

$2,365

$197

-19%

San Diego, CA

$1,333

$111

-4%

San Francisco, CA

$1,244

$104

-10%

San Jose, CA

$1,258

$105

-9%

Santa Fe, NM

$1,434

$120

-15%

Savannah, GA

$1,887

$157

-3%

Scottsdale, AZ

$1,643

$137

-1%

Seattle, WA

$1,130

$94

-3%

Spokane, WA

$1,176

$98

1%

Springfield, MO

$2,475

$206

-4%

St. Louis, MO

$2,389

$199

-7%

Tallahassee, FL

$1,888

$157

-17%

Tampa, FL

$2,266

$189

-1%

Tucson, AZ

$1,621

$135

-3%

Tulsa, OK

$3,735

$311

-10%

Virginia Beach, VA

$1,947

$162

52%

Collapse table

Based on a policy with $300,000 in dwelling coverage

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Average homeowners insurance cost by company

Home insurance rates can vary significantly from company to company — even for the same home or coverage amounts. That's because every company has its own way of evaluating risk and determining home insurance premiums.

For example, while Company A may offer the cheapest rates for homeowners with low credit scores or homes that are riskier to insure, Company B may offer better discounts or more competitive rates for less risky properties. To get an idea of what company offers the best coverage at the cheapest rate for your situation, you'll want to compare home insurance quotes from multiple providers.

Looking at the average annual cost of home insurance for the largest home insurance companies in the U.S. by market share, we found that Erie has the least expensive rate at $1,284 per year, while Country Financial's average annual premium of $2,646 is the most expensive.

Company

Average annual cost

Average monthly cost

Difference from national average (%)

Erie

$1,284

$107

-27%

AIG

$1,339

$112

-24%

Narragansett Bay

$1,373

$114

-22%

Auto-owners Insurance

$1,406

$117

-20%

USAA

$1,479

$123

-16%

Homesite

$1,487

$124

-15%

Travelers

$1,568

$131

-11%

Safeco

$1,633

$136

-7%

Allstate

$1,650

$137

-6%

American Family

$1,692

$141

-4%

Chubb

$1,706

$142

-3%

Amica

$1,756

$146

0%

Mercury

$1,835

$153

5%

Farmers

$1,845

$154

5%

AAA

$1,879

$157

7%

State Farm

$1,887

$157

8%

Nationwide

$1,966

$164

12%

The Hartford

$2,493

$208

42%

Country Financial

$2,646

$220

51%

Collapse table

Based on a policy with $300,000 in dwelling coverage

Learn more >> Best home insurance companies in 2024

Average home insurance cost by dwelling coverage amount

The cost of homeowners insurance is largely based on how much dwelling coverage is in your policy. Dwelling coverage refers to the portion of home insurance that pays to rebuild your house from the ground up should it be completely destroyed by a covered peril, like a tornado or wildfire.

The amount of dwelling coverage in your policy should be equal to your home's replacement cost, which is based on factors like your home's square footage, local construction costs, building materials, and more. If your house is larger or very customized, you'll likely need more dwelling coverage and will pay higher premiums.

Scroll down to find the average cost of homeowners insurance for homes with different amounts of dwelling coverage.

How much is homeowners insurance on a $200,000 house?

Homeowners insurance on a $200,000 house costs an average of $1,298 per year. But this cost can vary widely from $601 to $2,935 per year depending on where you live and other circumstances.

$200,000 dwelling

Yearly cost

Per month cost

Average of low end rates

$601

$50

Average of middle rates

$1,140

$95

Average of high end rates

$2,935

$245

Overall national average

$1,298

$108

Based on a policy with $200,000 in dwelling coverage. Dwelling coverage reflects the cost of rebuilding a home, not its market value

How much is homeowners insurance on a $300,000 house?

Homeowners insurance on a $300,000 house costs an average of $1,754 per year. But this cost can vary widely from $802 to $3,987 per year depending on where you live and other circumstances.

$300,000 dwelling

Yearly cost

Per month cost

Average of low end rates

$802

$67

Average of middle rates

$1,539

$128

Average of high end rates

$3,987

$332

Overall national average

$1,754

$146

Based on a policy with $300,000 in dwelling coverage. Dwelling coverage reflects the cost of rebuilding a home, not its market value

How much is homeowners insurance on a $400,000 house?

Homeowners insurance on a $400,000 house costs an average of $2,222 per year. But this cost can vary widely from $999 to $5,064 per year depending on where you live and other circumstances.

$400,000 dwelling

Yearly cost

Per month cost

Average of low end rates

$999

$83

Average of middle rates

$1,947

$162

Average of high end rates

$5,064

$422

Overall national average

$2,222

$185

Based on a policy with $400,000 in dwelling coverage. Dwelling coverage reflects the cost of rebuilding a home, not its market value

How much is homeowners insurance on a $500,000 house?

Homeowners insurance on a $500,000 house costs an average of $2,724 per year. But this cost can vary widely from $1,198 to $6,238 per year depending on where you live and other circumstances.

$500,000 dwelling

Yearly cost

Per month cost

Average of low end rates

$1,198 

$1,198 

Average of middle rates

$2,379  

$198 

Average of high end rates

$6,238 

$520 

Overall national average

$2,724

$227

Based on a policy with $500,000 in dwelling coverage. Dwelling coverage reflects the cost of rebuilding a home, not its market value

Learn more >> How to estimate home insurance replacement cost

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How is the cost of home insurance determined?

The cost of home insurance is determined by examining a number of different factors, including:

  • Where you live and your susceptibility to extreme weather damage or other risks

  • Your home’s estimated rebuild cost

  • The age and characteristics of your home

  • Your credit score

  • Your home's claims history

  • How high of a policy deductible you choose

Learn more >> Home insurance calculator: Estimate costs

How different factors affect homeowners insurance rates

In addition to where you live and how much coverage you need, most home insurance companies will also consider the age of your home, your claims history, and your deductible level when estimating your premiums.

Here are just a few factors that home insurance companies consider when determining your homeowners insurance rates, along with how much you can expect to pay for each given scenario.

Average homeowners insurance cost by home age

Older homes are often constructed with outdated materials that are more expensive to replace. Additionally, many have obsolete plumbing, electrical, and home systems that increase the probability of accidental fires or water damage.

Given the increased risk of damage and claims, you'll generally have to pay more for home insurance as your home ages. On average, it's roughly $800 cheaper to insure a new home compared to one that's 30 years old.

Age of home

Average annual cost

Average monthly cost

New

$1,107

$92

10 years old

$1,635

$136

20 years old

$1,868

$156

30 years old

$1,925

$160

100 years old

$1,943

$162

Based on a policy with $300,000 in dwelling coverage

Learn more >> Best home insurance for older homes

Average homeowners insurance cost by deductible level

A home insurance deductible is the amount you’re required to pay out of pocket on each claim before your insurance kicks in to cover the remainder of the costs.

Opting for a higher deductible — like $2,000 instead of $500 — will lower your homeowners insurance rates, but it also means you'll have to contribute more of your own money to each claim.

Here’s the average annual home insurance cost by deductible level.

Deductible level

Average annual cost

Average monthly cost

$500

$1,787

$149

$1,000

$1,492

$124

$2,000

$1,446

$121

Based on a policy with $300,000 in dwelling coverage

Learn more >> How to home insurance deductibles work?

Average home insurance cost by claims history

Claims history is another factor insurers take into account when calculating your home insurance rate. If you've filed more than one claim in the past five years, you'll generally pay higher home insurance rates since insurers view you to be at greater risk of filing another one.

Here's the average annual premium for a homeowner with a clean claims history versus a homeowner with one, three, or five claims on their record.

Number of claims

Average annual cost

Average monthly cost

0 claims

$1,925

$160

1 claim

$2,093

$174

3 claims

$2,902

$242

5 claims

$4,339

$362

Based on a policy with $300,000 in dwelling coverage

Learn more >> What factors affect the cost of homeowners insurance?

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Why did my homeowners insurance go up so much in 2023?

Your homeowners insurance premiums may have gone up so much in 2023 due to a number of factors, including:

  • Persistent inflation: Home insurance premiums went up nationwide due to the increased cost of labor and construction materials thanks to supply chain issues and high inflation that started in 2020. Higher rebuild costs due to inflation meant homes required higher dwelling coverage limits to keep up with the rising prices.

  • More extreme natural disasters: From worsening hurricane and wildfire seasons to unexpected cold snaps in Texas, the home insurance industry experienced record-setting claim payouts and financial losses in 2023. As a result, many insurance companies increased rates to pay for these losses and to ensure they don’t go bankrupt after future climate disasters.

  • Your home's risk changed: As climate change continued to alter weather patterns all over the country in 2023, certain areas that insurers used to consider to be low risk were instead viewed as the opposite, and homeowners in these areas suddenly saw steep premium hikes as a result.

Learn more >> Why did my homeowners insurance rates go up?

Why home insurance rates are increasing in 2024

According to the latest 2023 Policygenius Home Insurance Pricing Report, home insurance premiums increased 35% nationally from May 2021 to May 2023, with homeowners in Florida (68%), New Mexico (47%), Colorado (46%), Idaho (46%), and Texas (46%) facing the biggest average increases during that span.

These states and many others with high premium increases the past few years have dealt with a combination of more expensive natural disaster losses, high inflation, and turbulent market conditions that has caused home insurance to be both less affordable and accessible for homeowners.

And this trend of high home insurance prices has continued on in 2024. Here's a deeper look at the biggest factors causing higher home insurance rates this year:

Above-average inflation that increases home rebuild costs

Inflation throughout the country still remains higher than historical averages. [1] Add to this above-average construction costs nationwide and labor shortages, and the cost to rebuild your home is likely to remain more expensive than normal.

Increasingly severe weather and climate change

Insurance companies have experienced record losses in recent years — particularly in places like Florida, Texas, California, and Colorado — due to increasingly severe weather and natural disasters. To both recoup prior years' losses and to account for anticipated losses that are expected to only worsen with climate change, insurance companies have hikeed insurance rates to pass on the risk to policyholders. [2]

Fewer carriers willing to write policies in high-risk states

When there are fewer insurers left to choose from in a particular state or region, the ones remaining will often implement stricter underwriting criteria and increase costs to reflect both the higher demand and exposure, resulting in higher premiums for homeowners. We've seen this trend continue on in high-risk states like Florida and California.

Just last year, Allstate and State Farm stopped writing new policies in California, Farmers placed a cap on how many new policies it would write in the Golden State, and Safeco dropped around 1,000 policies in the Bay Area.

The same goes for Florida, where as many as 10 companies have already gone insolvent since 2020. [3] Last year, AAA announced it would not renew home insurance policies in "higher-exposure" areas of Florida, and Farmers announced it will stop writing new policies and won't renew thousands of existing ones. [4] This is on top of Progressive, AIG, and Heritage who had already announced they were no longer writing new policies in Florida.

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How to lower home insurance costs

Homeowners insurance rates are going up everywhere due to higher rebuild costs, more severe natural disasters, and other things beyond our control.

But there are several actions you can take to reduce your rates and ensure you're not paying more than you should be for homeowners insurance.

  • Compare home insurance quotes. Experts recommend comparing home insurance rates from multiple companies at least once a year to ensure you aren't missing out on a better deal elsewhere. In fact, Policygenius saves customers an average of $455 per year when they re-shop their homeowners insurance.

  • Bundle home & auto insurance policies. One of the most foolproof ways to lower insurance costs is to bundle home and auto insurance with the same company. Policygenius saves customers an average of $1,250 per year when they bundle their policies through one of our partner insurance companies.

  • Install home protective devices or features. When you take steps to make your home safer, such as by installing a home security system or wind mitigation features, you may be able to shave a significant amount off your insurance bill.

  • Improve your credit score. Making a conscious effort to pay down your credit card debt, make payments on time, and avoid opening up new accounts will help your overall financial health — and give you lower home insurance rates to boot.

  • Increase your deductible. Opting for a higher deductible can help you pay lower premiums each month. Just make sure you have enough in savings to cover the higher out-of-pocket costs.

  • Choose accurate coverage amounts. Just 44% of U.S. homeowners reviewed their home insurance policy from January 2022 to January 2023 to see how much coverage they had, according to the Policygenius Home Insurance & Inflation Shopping Survey. This means you may be missing out on an opportunity to get rid of coverage you don't absolutely need to lower your rates.

  • Think twice before filing a small claim. Since your claims history directly impacts the cost of your home insurance, avoid filing a claim for smaller incidents that wouldn’t cost you too much to just pay yourself out of pocket.

  • Reconsider liability risks. Trampolines, tree houses, and other “attractive nuisances” are a liability risk and having one on your property can result in higher premiums. If your kid moved off to college and you don't have any use for these structures anymore, consider removing them to lower your home insurance rate.

Learn more >> Home insurance discounts & savings

How real customers lowered their home insurance bill last year

With the increase in insurance rates nationwide over the last year, we ran a survey in February 2023 to see what homeowners did last year to offset these high costs and lower their insurance bill.

According to the Policygenius Home Insurance & Inflation Shopping Survey, 51% of homeowners lowered their home insurance costs last year by switching companies for a cheaper option, followed by 33% who bundled their home and auto insurance policies to get a cheaper rate.

Infogram about ways homeowners lowered their home insurance bill in 2022

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Methodology

Policygenius' home insurance rate analysis is based on sample quotes from Quadrant Information Services from over 120 insurance companies in every state and ZIP code in the United States. Our sample quotes were based on a 40-year-old homeowner with no claims history, good credit, a $1,000 deductible, and the following coverage limits for the home:

  • Dwelling: $300,000

  • Other structures: $30,000

  • Personal property: $150,000

  • Loss of use: $60,000

  • Liability: $300,000

  • Medical: $1,000

When analyzing costs for different coverage levels and risk factors, we changed just one variable at a time to ensure the rates we’re comparing are fair and representative of the factor at hand.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

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References

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Policygenius uses external sources, including government data, industry studies, and reputable news organizations to supplement proprietary marketplace data and internal expertise. Learn more about how we use and vet external sources as part of oureditorial standards.

  1. The Wall Street Journal

    . "

    Powell Says Fed’s Inflation Fight Could Take Years

    ." Accessed August 09, 2023.

  2. Policygenius

    . "

    California’s home insurance crisis — explained

    ." Accessed August 09, 2023.

  3. Bloomberg Law

    . "

    Storm-Driven Insurer Insolvencies Stir State Actions: Explained

    ." Accessed August 09, 2023.

  4. NPR

    . "

    How climate change could cause a home insurance meltdown

    ." Accessed August 09, 2023.

Author

Pat Howard is a licensed insurance expert and managing editor at Policygenius. Pat has written extensively about the home insurance industry and his insights as a subject matter expert have appeared in several top tier publications, including The New York Times, The Wall Street Journal, CNBC, and Reuters. Pat has a bachelor's degree in journalism from Michigan State University.

Editor

Jennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

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