Average Home Insurance Cost by State
Data as of Oct 22 2026
Home insurance is the quiet third of a mortgage payment. It is quoted annually and billed monthly through escrow, so a Oklahoma premium of $4,800 a year is $400 of every payment, while Hawaii costs about $58. The national average in our data is $1,982 a year. Here is every state, ranked.
What actually drives the premium
Insurers price a house on the cost to rebuild it, not on what you paid for it. Land is not insured, and in expensive markets the rebuild cost is often far below the sale price — which is why a policy can look cheap on a costly house.
- Weather and catastrophe exposure. Hurricane, hail and tornado risk is the single largest factor, and it is why the top of the table is dominated by the Gulf, the Plains and Florida.
- Replacement cost. Local construction labour and materials prices set the coverage amount the premium is a percentage of.
- Deductible. Moving from a 1% to a 2% or 5% deductible is the most direct way to cut the premium, and in storm states it is often the only lever that moves the number much.
- Claims history. A single water-damage or hail claim can follow the property, not just the owner.
- Credit-based insurance score. Most states allow it; a handful do not.
Average annual premium by state
| State | Median home insurance | Median home value |
|---|---|---|
| Oklahoma | $4,800/yr | $223,000 |
| Nebraska | $4,500/yr | $266,000 |
| Florida | $4,200/yr | $463,000 |
| Kansas | $3,800/yr | $391,000 |
| Louisiana | $3,500/yr | $249,000 |
| Texas | $3,500/yr | $523,000 |
| Arkansas | $3,000/yr | $215,000 |
| Alabama | $2,800/yr | $240,000 |
| Colorado | $2,800/yr | $616,000 |
| Mississippi | $2,800/yr | $160,000 |
| Georgia | $2,200/yr | $459,000 |
| Missouri | $2,200/yr | $277,000 |
| South Carolina | $2,200/yr | $243,000 |
| Connecticut | $2,000/yr | $429,000 |
| Illinois | $2,000/yr | $325,000 |
| Iowa | $2,000/yr | $262,000 |
| Kentucky | $2,000/yr | $248,000 |
| Minnesota | $2,000/yr | $393,000 |
| South Dakota | $2,000/yr | $288,000 |
| Tennessee | $2,000/yr | $417,000 |
| Arizona | $1,800/yr | $453,000 |
| California | $1,800/yr | $834,000 |
| Massachusetts | $1,800/yr | $728,000 |
| Michigan | $1,800/yr | $179,000 |
| Montana | $1,800/yr | $350,000 |
| New Mexico | $1,800/yr | $293,000 |
| North Carolina | $1,800/yr | $407,000 |
| North Dakota | $1,800/yr | $298,000 |
| Rhode Island | $1,800/yr | $374,000 |
| New Jersey | $1,700/yr | $623,000 |
| Indiana | $1,600/yr | $224,000 |
| Maryland | $1,600/yr | $640,000 |
| Virginia | $1,500/yr | $733,000 |
| Washington DC | $1,500/yr | $737,000 |
| Alaska | $1,400/yr | $396,000 |
| Nevada | $1,400/yr | $431,000 |
| New York | $1,400/yr | $685,000 |
| Ohio | $1,400/yr | $288,000 |
| West Virginia | $1,400/yr | $147,000 |
| Wisconsin | $1,400/yr | $231,000 |
| Wyoming | $1,400/yr | $349,000 |
| Idaho | $1,200/yr | $512,000 |
| Maine | $1,200/yr | $451,000 |
| Oregon | $1,200/yr | $553,000 |
| Utah | $1,200/yr | $526,000 |
| Washington | $1,200/yr | $860,000 |
| New Hampshire | $1,100/yr | $421,000 |
| Pennsylvania | $1,100/yr | $243,000 |
| Delaware | $1,000/yr | $352,000 |
| Vermont | $1,000/yr | $439,000 |
| Hawaii | $700/yr | $898,000 |
Figures are the state-level median premiums modelled on this site, built from public insurance-industry premium data. Treat them as a planning baseline for a median-priced home with a standard policy — your quote depends on the house, the deductible and the carrier.
Why the extremes are so far apart
Oklahoma sits at the top of the table at $4,800 a year, roughly 6.9 the Hawaii figure of $700. The reason is not the value of the houses. Oklahoma and Nebraska insure a large stock of homes against hail and wind; Florida carries hurricane exposure and a reinsurance market that has repriced sharply. Hawaii is at the other end: low wind risk in most of the state, low rebuild costs, and a compact market.
The practical consequence is that insurance can be the deciding cost between two otherwise similar markets. Two houses with the same price and the same property tax rate can differ by $342 a month purely on insurance.
Where it appears in your payment
Lenders collect the annual premium in escrow, so the monthly figure is the annual premium divided by twelve. The mortgage calculator here pre-fills a state-level median premium, updates it when you switch counties, and includes it in the PITI total — which is the difference between this site's payment figure and a principal-and-interest calculator's.
How to pay less
- Shop at least three carriers, including one that writes only through independent agents. In the states at the top of the table, a spread of several thousand dollars for identical coverage is routine.
- Raise the deductible if you have the reserves. The saving is immediate and large.
- Ask about wind, hail and flood exclusions. Standard policies exclude flood entirely — that is a separate federal or private policy, and in a flood zone your lender will require one.
- Bundle auto and home, and ask about a claims-free or new-roof discount. Roof age is increasingly used to price or decline policies in storm states.
Frequently asked questions
What is the average home insurance cost?
Across the 50 states and DC in our data the average runs about $1,982 a year, or $165 a month. The range is what matters: the highest state is roughly 6.9 the lowest.
Why is homeowners insurance so expensive in Florida and Oklahoma?
Both face severe catastrophe exposure — hurricanes in Florida, hail and wind in Oklahoma — and both have seen insurers leave, restrict coverage or reprice after large loss years. Reinsurance, the coverage insurers buy for themselves, reprices those states first and hardest.
Does homeowners insurance cover flooding?
No. Flood damage is excluded from standard homeowners policies. Flood cover comes from a separate NFIP or private flood policy. If your lender determines the property is in a Special Flood Hazard Area, that policy is mandatory, and it is not included in the PITI figure on this site.
Does the premium change after I buy the house?
It can. Carriers reprice at renewal, and the previous owner's claims history and roof age can affect the first policy you are offered. Because insurance is escrowed, a large increase shows up as a higher monthly payment a year later rather than as a bill, which is why an escrow analysis that suddenly raises your payment is usually insurance, not tax.
Related guides
Property tax rates for all 50 states and DC ranked by effective rate, with the median annual bill and how the tax is actually calculated.
Twenty percent down is not a rule, it is where PMI stops. What a smaller down payment costs each month, and when it is worth waiting to have more.
When private mortgage insurance can come off a conventional loan: the 78% automatic rule, the 80% request, appraisals, and what PMI costs each month.
Freddie MacU.S. Census BureauFannie MaeU.S. Department of Housing and Urban Development (HUD)U.S. Department of Veterans AffairsPrivate mortgage insurersNAICState statutes and departments of revenue