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Best Homeowner Insurance by State

Author: Finance Editors

Home insurance is a given, no one goes without. But it’s also the easiest to pay too much for. Rates creep up almost every year. Most homeowners don’t compare and shop around regularly to find the same coverage but cheaper.

 

Updated: September 14 2026

 

Home Insurance Cost

 

The Home Insurance Survey shows insurance rates are still going up across the country. You can see below average cost by state for different home values.

 

:: Key insights ::

 

Home insurance average annual cost: in the US is $1,645 per year for a home of $300,000.

Home insurance cost vary greatly by State: Oklahoma, Kansas, Nebraska and Florida have the most expensive. Hawaii have the lowest insurance cost followed by the New England States.

The higher your home value, the most you will pay in home insurance.

 
 
 
 
 
 
Average Home Insurance Rates by State (2026)
Average rates for $200,000 in coverage Average rates for $300,000 in coverage Average rates for $400,000 in coverage Average rates for $600,000 in coverage Average rates for $1,000,000 in coverage
State Annual Monthly Annual Monthly Annual Monthly Annual Monthly Annual Monthly
National Average $1,203 $100 $1,645 $137 $2,191 $183 $3,048 $254 $4,629 $386
Alabama $1,600 $133 $2,426 $202 $3,318 $276 $4,847 $404 $5,859 $488
Alaska $947 $79 $1,587 $132 $1,867 $156 $2,533 $211 - -
Arizona $1,104 $92 $1,349 $112 $1,966 $164 $2,480 $207 $3,547 $296
Arkansas $688 $57 $1,130 $94 $1,503 $125 $2,181 $182 - -
California $685 $57 $870 $73 $1,260 $105 $2,132 $178 $4,249 $354
Colorado $2,056 $171 $2,650 $221 $3,595 $300 $4,535 $378 $6,730 $561
Connecticut $1,261 $105 $1,792 $149 $2,265 $189 $3,053 $254 $5,872 $489
Delaware $807 $67 $1,047 $87 $1,328 $111 $2,000 $167 $3,202 $267
Florida $3,270 $273 $4,005 $334 $5,117 $426 $6,954 $579 $9,598 $800
Georgia $1,434 $119 $2,062 $172 $2,779 $232 $4,169 $347 $7,129 $594
Hawaii $671 $56 $1,139 $95 $1,400 $117 $1,927 $161 - -
Idaho $639 $53 $893 $74 $1,200 $100 $1,772 $148 $2,720 $227
Illinois $1,125 $94 $1,463 $122 $1,811 $151 $2,442 $204 $3,440 $287
Indiana $1,132 $94 $1,368 $114 $1,795 $150 $2,376 $198 $4,188 $349
Iowa $766 $64 $1,040 $87 $1,291 $108 $1,928 $161 - -
Kansas $2,396 $200 $2,886 $241 $3,497 $291 $4,115 $343 $7,274 $606
Kentucky $1,502 $125 $1,964 $164 $2,861 $238 $3,787 $316 - -
Louisiana $1,555 $130 $2,540 $212 $3,583 $299 $5,059 $422 $8,395 $700
Maine $908 $76 $1,179 $98 $1,599 $133 $2,314 $193 $3,779 $315
Maryland $788 $66 $988 $82 $1,399 $117 $1,846 $154 $2,461 $205
Massachusetts $693 $58 $1,153 $96 $1,612 $134 $2,328 $194 $3,414 $285
Michigan $1,104 $92 $1,422 $119 $1,807 $151 $2,710 $226 $3,611 $301
Minnesota $1,246 $104 $1,880 $157 $2,532 $211 $3,593 $299 $6,339 $528
Mississippi $2,043 $170 $3,534 $294 $4,457 $371 $6,524 $544 - -
Missouri $1,967 $164 $3,135 $261 $4,271 $356 $6,196 $516 $8,480 $707
Montana $800 $67 $1,098 $92 $1,362 $114 $2,039 $170 $3,162 $264
Nebraska $1,994 $166 $2,808 $234 $3,535 $295 $5,304 $442 $8,495 $708
Nevada $689 $57 $864 $72 $1,074 $90 $1,529 $127 $2,123 $177
New Hampshire $816 $68 $1,103 $92 $1,467 $122 $2,016 $168 $3,178 $265
New Jersey $948 $79 $1,128 $94 $1,441 $120 $1,753 $146 $3,082 $257
New Mexico $900 $75 $1,114 $93 $1,450 $121 $1,875 $156 $3,025 $252
New York $1,283 $107 $1,626 $135 $2,437 $203 $2,946 $246 $5,006 $417
North Carolina $1,003 $84 $1,376 $115 $1,801 $150 $2,254 $188 $3,761 $313
North Dakota $706 $59 $957 $80 $1,189 $99 $1,774 $148 - -
Ohio $1,086 $90 $1,316 $110 $1,673 $139 $2,295 $191 $3,704 $309
Oklahoma $3,138 $261 $3,785 $315 $5,654 $471 $7,534 $628 - -
Oregon $395 $33 $691 $58 $962 $80 $1,505 $125 $2,243 $187
Pennsylvania $959 $80 $1,359 $113 $1,756 $146 $2,457 $205 $3,726 $311
Rhode Island $1,064 $89 $1,493 $124 $1,959 $163 $2,740 $228 $4,310 $359
South Carolina $1,787 $149 $2,429 $202 $3,055 $255 $4,482 $374 $6,720 $560
South Dakota $706 $59 $955 $80 $1,186 $99 $1,769 $147 - -
Tennessee $1,521 $127 $1,993 $166 $2,867 $239 $3,790 $316 $4,957 $413
Texas $2,157 $180 $2,544 $212 $3,744 $312 $4,872 $406 $7,229 $602
Utah $754 $63 $955 $80 $1,200 $100 $1,804 $150 $2,615 $218
Vermont $826 $69 $1,119 $93 $1,524 $127 $2,276 $190 $3,513 $293
Virginia $1,117 $93 $1,361 $113 $1,996 $166 $2,673 $223 $3,797 $316
Washington $627 $52 $940 $78 $1,252 $104 $1,882 $157 $2,814 $234
West Virginia $708 $59 $1,102 $92 $1,321 $110 $1,790 $149 - -
Wisconsin $946 $79 $1,526 $127 $2,144 $179 $3,188 $266 $2,794 $233
Wyoming $827 $69 $1,120 $93 $1,391 $116 $2,075 $173 - -
Source: MFP Homeowners insurance survey of 49,270 homeowners in last 90 days.
 
 
 
 
 
 

How insurance company determine your insurance price

 

Location: This is a big one. States prone to natural disasters like hurricanes or tornadoes will see higher premiums. Even within a state, zip codes in flood plains or with high fire risk will cost more to insure.

 

Property characteristics: The value, age, size, and construction materials of your home can play a role. A newer, larger home built with expensive materials will generally cost more to insure than a smaller, older one.

 

Coverage amount: The amount of dwelling coverage you choose (the amount it would cost to rebuild your home) directly affects the premium. Higher coverage means a higher premium.

 

Deductible: This is the amount you pay out of pocket before your insurance kicks in. Choosing a higher deductible lowers your premium, but you’ll have to pay more upfront in the case of a claim.

 

Claims history: Having filed past claims can raise your rates or if neighbors’ filed claims.

 

Credit score: In some states, your credit score can be a factor in determining your premium. Generally, a good credit score can lead to a lower rate.

 

These are just some of the most common factors. Your insurance company may also consider other things like the presence of a pool, security features, and even the type of pets you own (ex: a dog’s breed).

 
 
 

Home Insurers Recommendations by State

 

You can also see reports on homeowners insurance cost and insurers results state by state and main cities.

 
Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming
 
 
 
 
 
 
 
 
 

Home insurance satisfaction

 

Our Home insurance survey also cover homeowners satisfaction with their insurance, company, process and claims.

 
 

Policy Coverage and Cost

 

Adequacy of coverage: Do your feel your policy covers enough in case of a disaster or loss?

 

Premium satisfaction: Are you happy with the price you pay for their coverage?

 

Policy easy to understand: Can you easily understand what your policy covers and excludes?

 

Price transparency: Do you feel you understand how your premium is determined?

 
 

Claims Process

 

Easy to file a claim: Was the claims process smooth and hassle-free?

 

Claim resolution speed: Did the insurance company settle the claim in a timely manner?

 

Claim payout fairness: Do homeowners feel they received a fair amount of money to cover their losses?

 

Claim customer service: Were you treated with respect and courtesy throughout the claim process?

 
 

Overall Experience

 

Recommend likelihood: Would you recommend your current insurance company to others?

 

Brand trust: Do you feel you can trust their insurance company to look out for your best interests?

 

Company overall satisfaction: Are you happy with the overall service they receive from their insurance company?