Average Home Insurance Cost by State (2026)
State is the single biggest driver of your home insurance premium. Climate risk, litigation environment, and carrier market conditions swing the annual average from $1,068 in Vermont to $7,136 in Florida for a typical $300,000 dwelling. Below, the same fifty states priced by three independent publishers. When they agree within 5%, the number is probably solid; when they disagree by 15%, one publisher is using a different coverage assumption.
50-state averages across three sources
| State | NerdWallet | Insurify | Insurance.com | 2026 projected change |
|---|---|---|---|---|
| Alabama | $3,656 | $3,020 | $3,452 | +9% |
| Alaska | $1,443 | $1,262 | $1,320 | +3% |
| Arizona | $1,717 | $1,628 | $2,045 | +5% |
| Arkansas | $3,656 | $3,460 | $3,630 | +11% |
| California | $1,989 | $1,790 | $1,774 | +14% |
| Colorado | $3,404 | $3,106 | $3,250 | +22% |
| Connecticut | $2,184 | $2,020 | $2,140 | +6% |
| Delaware | $1,569 | $1,430 | $1,569 | +5% |
| Washington DC | $1,474 | - | $1,452 | +5% |
| Florida | $7,136 | $5,890 | $7,136 | +18% |
| Georgia | $2,697 | $2,452 | $2,610 | +11% |
| Hawaii | $1,399 | $1,260 | $1,326 | +14% |
| Idaho | $1,411 | $1,380 | $1,443 | +5% |
| Illinois | $2,434 | $2,320 | $2,409 | +10% |
| Indiana | $2,146 | $1,990 | $2,154 | +9% |
| Iowa | $2,598 | $2,520 | $2,583 | +13% |
| Kansas | $4,022 | $3,860 | $4,022 | +11% |
| Kentucky | $3,207 | $3,020 | $3,188 | +33% |
| Louisiana | $5,679 | $5,270 | $5,679 | +58% |
| Maine | $1,530 | $1,460 | $1,515 | +4% |
| Maryland | $1,625 | $1,550 | $1,620 | +4% |
| Massachusetts | $1,779 | $1,690 | $1,796 | +6% |
| Michigan | $2,089 | $2,110 | $2,089 | +48% |
| Minnesota | $2,996 | $2,860 | $2,996 | +29% |
| Mississippi | $3,926 | $3,540 | $3,918 | +15% |
| Missouri | $3,207 | $3,020 | $3,188 | +12% |
| Montana | $2,697 | $2,450 | $2,690 | +15% |
| Nebraska | $4,620 | $4,430 | $4,620 | +14% |
| Nevada | $1,271 | $1,210 | $1,265 | +7% |
| New Hampshire | $1,119 | $1,050 | $1,119 | +5% |
| New Jersey | $1,222 | $1,170 | $1,220 | +4% |
| New Mexico | $2,385 | $2,280 | $2,390 | +14% |
| New York | $1,779 | $1,680 | $1,778 | +7% |
| North Carolina | $1,989 | $1,880 | $1,986 | +11% |
| North Dakota | $2,899 | $2,750 | $2,899 | +13% |
| Ohio | $1,625 | $1,540 | $1,625 | +6% |
| Oklahoma | $5,395 | $5,050 | $5,395 | +17% |
| Oregon | $1,223 | $1,170 | $1,220 | +7% |
| Pennsylvania | $1,320 | $1,250 | $1,316 | +5% |
| Rhode Island | $1,986 | $1,880 | $1,985 | +7% |
| South Carolina | $2,385 | $2,280 | $2,392 | +10% |
| South Dakota | $2,850 | $2,690 | $2,846 | +12% |
| Tennessee | $2,385 | $2,280 | $2,388 | +10% |
| Texas | $3,707 | $3,540 | $3,710 | +13% |
| Utah | $1,222 | $1,170 | $1,220 | +5% |
| Vermont | $1,068 | $1,020 | $1,068 | +4% |
| Virginia | $1,687 | $1,610 | $1,686 | +37% |
| Washington | $1,271 | $1,210 | $1,269 | +6% |
| West Virginia | $1,625 | $1,540 | $1,623 | +6% |
| Wisconsin | $1,474 | $1,400 | $1,472 | +6% |
| Wyoming | $1,687 | $1,610 | $1,686 | +8% |
Top 10 most expensive
| # | State | Avg / yr |
|---|---|---|
| 1 | Florida | $7,136 |
| 2 | Louisiana | $5,679 |
| 3 | Oklahoma | $5,395 |
| 4 | Nebraska | $4,620 |
| 5 | Kansas | $4,022 |
| 6 | Mississippi | $3,918 |
| 7 | Texas | $3,710 |
| 8 | Arkansas | $3,630 |
| 9 | Alabama | $3,452 |
| 10 | Colorado | $3,250 |
Top 10 cheapest
| # | State | Avg / yr |
|---|---|---|
| 1 | Vermont | $1,068 |
| 2 | New Hampshire | $1,119 |
| 3 | Utah | $1,220 |
| 4 | Oregon | $1,220 |
| 5 | New Jersey | $1,220 |
| 6 | Nevada | $1,265 |
| 7 | Washington | $1,269 |
| 8 | Pennsylvania | $1,316 |
| 9 | Alaska | $1,320 |
| 10 | Hawaii | $1,326 |
Biggest projected 2026 rate increases
Insurify's 2026 Home Insurance Report projects these state-level rate increases after a +12% national move in 2025.
| Rank | State | 2026 projected | Primary driver |
|---|---|---|---|
| 1 | Louisiana | +58% | Gulf hurricane exposure; carrier exits; Citizens depopulation |
| 2 | Michigan | +48% | Severe convective storms; hail and wind losses |
| 3 | Virginia | +37% | Rebuild cost inflation; severe weather 2024-25 |
| 4 | Kentucky | +33% | Tornado, hail, flood losses 2024-25 |
| 5 | Minnesota | +29% | Severe convective storms; hail deductibles repricing |
| 6 | Colorado | +22% | Wildfire exposure; Marshall Fire claims tail |
| 7 | Florida | +18% | Hurricane seasons; AOB litigation tail |
| 8 | Oklahoma | +17% | Tornado alley; hail frequency |
| 9 | Mississippi | +15% | Gulf exposure; tornado corridor |
| 10 | Nebraska | +14% | Hail frequency; tornado |
Why states differ so dramatically
Climate risk
Hurricane-exposed coastal states (FL, LA, TX, NC, SC) carry reinsurance costs that feed directly into retail premiums. Tornado corridor states (OK, KS, NE, AR) see high hail and wind loss frequency. California faces wildfire and earthquake (the latter priced separately through CEA). Minnesota, Michigan, and Kentucky have taken heavy severe-convective-storm losses in 2024 and 2025.
Legal environment
Florida's assignment-of-benefits regime produced a litigation-to-claims ratio far above the national norm for a decade, forcing carriers to raise rates and restrict new business. Louisiana shares similar litigation dynamics post-Ida. These legal conditions persist regardless of weather.
Regulatory environment
California Prop 103 has historically constrained rate increases; the 2024 Insurance Commissioner sustainable-insurance plan is now allowing wildfire catastrophe loads that were previously prohibited, so California rates are unwinding a multi-year freeze. Texas permits rapid filed-rate approvals.
Insurer market conditions
Several national carriers closed books in Florida (State Farm restricted new business, Farmers exited), California (State Farm and Allstate paused), and Louisiana (multiple reinsurer-constrained exits) during 2023 to 2025. When choices narrow, the carriers still writing set the price.
FAQ
Why is home insurance so expensive in Florida?
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Why do the three sources disagree on my state's average?
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