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Top 10 Most Expensive And Least Expensive States For Homeowners Insurance Premiums, 2021 (1)
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Rank (3) Most expensive states Average premium (2) Rank (3) Least expensive states Average premium (2)
1 Florida $2,437 1 Wisconsin $780
2 Louisiana 2,259 2 Oregon 793
3 Oklahoma 2,155 3 Utah 831
4 Texas (4) 2,146 4 Nevada 863
5 Rhode Island 1,900 5 Idaho 884
6 Colorado 1,802 6 Arizona 917
7 Mississippi 1,766 7 Ohio 920
8 Massachusetts 1,712 8 Delaware 988
9 Nebraska 1,684 9 Michigan 993
10 Connecticut 1,651 10 Maine 996

(1) Includes state funds, residual markets and some wind pools.
(2) Based on the HO-3 homeowner package policy for owner-occupied dwellings, 1 to 4 family units. Provides all risks coverage (except those specifically excluded in the policy) on buildings and broad named-peril coverage on personal property, and is the most common package written.
(3) Ranked from highest to lowest. States with the same premium receive the same rank.
(4) Texas data were obtained from the Texas Department of Insurance.

Note: Average premium=Premiums/exposure per house years. A house year is equal to 365 days of insured coverage for a single dwelling. The NAIC does not rank state average premiums and does not endorse any conclusions drawn from this data.

Source: National Association of Insurance Commissioners (NAIC). Further reprint or distribution strictly prohibited without written permission of NAIC.

 

Archived Tables

Top 10 Most Expensive And Least Expensive States For Homeowners Premiums, 2014 (1)
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Rank Most expensive states Average expenditure Rank Least expensive states Average expenditure
1 Florida $2,055 1 Oregon $574
2 Texas (2) 1,947 2 Idaho 590
3 Louisiana 1,847 3 Utah 634
4 Oklahoma 1,772 4 Wisconsin 686
5 Mississippi 1,447 5 Washington 695
6 Kansas 1,431 6 Nevada 704
7 Rhode Island 1,398 7 Delaware 736
8 Alabama 1,340 8 ArizonaÌý 765
9 Connecticut 1,337 9 Ohio 797
10 Massachusetts 1,314 10 Maine 811

(1) Based on the HO-3 homeowner package policy for owner-occupied dwellings, 1 to 4 family units. Provides all risks coverage (except those specifically excluded in the policy) on buildings and broad named-peril coverage on personal property, and is the most common package written.
(2) The Texas Department of Insurance developed home insurance policy forms that are similar but not identical to the standard forms. In addition, due to the Texas Windstorm Association (which writes wind-only policies) classifying HO-1, 2 and 5 premiums as HO-3, the average premium for homeowners insurance is artificially high.

Source: © 2017 National Association of Insurance Commissioners (NAIC).

 
Top 10 Most Expensive And Least Expensive States For Homeowners Premiums, 2015 (1)
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Rank Most expensive states Average expenditure Rank Least expensive states Average expenditure
1 Florida $1,993 1 Oregon $643
2 Texas (2) 1,991 2 Utah 673
3 Louisiana 1,945 3 Idaho 692
4 Oklahoma 1,879 4 Nevada 737
5 Kansas 1,531 5 Wisconsin 750
6 Mississippi 1,508 6 Delaware 780
7 Rhode Island 1,446 7 ArizonaÌý 810
8 Connecticut 1,411 8 Washington 811
9 ColoradoÌý 1,383 9 Ohio 819
10 Massachusetts 1,379 10 Maine 843

(1) Based on the HO-3 homeowner package policy for owner-occupied dwellings, 1 to 4 family units. Provides all risks coverage (except those specifically excluded in the policy) on buildings and broad named-peril coverage on personal property, and is the most common package written.
(2) The Texas Department of Insurance developed home insurance policy forms that are similar but not identical to the standard forms. In addition, due to the Texas Windstorm Association (which writes wind-only policies) classifying HO-1, 2 and 5 premiums as HO-3, the average premium for homeowners insurance is artificially high.

Source: © 2017 National Association of Insurance Commissioners (NAIC). Reprinted with permission. Further reprint or distribution strictly prohibited without written permission of NAIC.

 
Top 10 Most Expensive And Least Expensive States For Homeowners Premiums, 2016 (1)
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Rank Most expensive states Average expenditure Rank Least expensive states Average expenditure
1 Louisiana $1,967 1 Oregon $659
2 Texas (2) 1,937 2 Utah 664
3 Florida 1,918 3 Idaho 703
4 Oklahoma 1,875 4 Nevada 742
5 Kansas 1,548 5 Wisconsin 762
6 Mississippi 1,525 6 ArizonaÌý 803
7 Rhode Island 1,496 7 Delaware 816
8 Connecticut 1,455 8 Washington 822
9 Massachusetts 1,451 9 Ohio 850
10 ColoradoÌý 1,446 10 Maine 866

(1) Based on the HO-3 homeowner package policy for owner-occupied dwellings, 1 to 4 family units. Provides all risks coverage (except those specifically excluded in the policy) on buildings and broad named-peril coverage on personal property, and is the most common package written.
(2) The Texas Department of Insurance developed home insurance policy forms that are similar but not identical to the standard forms. In addition, due to the Texas Windstorm Association (which writes wind-only policies) classifying HO-1, 2 and 5 premiums as HO-3, the average premium for homeowners insurance is artificially high.

Source:2018 National Association of Insurance Commissioners (NAIC). Reprinted with permission. Further reprint or distribution strictly prohibited without written permission of NAIC.

 
Top 10 Most Expensive And Least Expensive States For Homeowners Insurance Premiums, 2017 (1)
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Rank Most expensive states Average expenditure Rank Least expensive states Average expenditure
1 Louisiana $1,968 1 Oregon $677
2 Florida 1,951 2 Utah 692
3 Texas (2) 1,893 3 Idaho 730
4 Oklahoma 1,885 4 Nevada 755
5 Kansas 1,584 5 Wisconsin 779
6 Rhode Island 1,551 6 ArizonaÌý 825
7 Mississippi 1,537 7 Delaware 833
8 ColoradoÌý 1,495 8 Washington 854
9 Massachusetts 1,488 9 Ohio 862
10 Nebraska 1,481 10 Maine 882

(1) Based on the HO-3 homeowner package policy for owner-occupied dwellings, 1 to 4 family units. Provides all risks coverage (except those specifically excluded in the policy) on buildings and broad named-peril coverage on personal property, and is the most common package written.
(2) Texas data were obtained from the Texas Department of Insurance.

Source: © 2019 National Association of Insurance Commissioners (NAIC). Reprinted with permission. Further reprint or distribution strictly prohibited without written permission of NAIC.

 
Top 10 Most Expensive And Least Expensive States For Homeowners Insurance Premiums, 2018 (1)
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Rank Most expensive states Average expenditure Rank Least expensive states Average expenditure
1 Louisiana $1,987 1 Oregon $706
2 Florida 1,960 2 Utah 730
3 Texas (2) 1,955 3 Idaho 772
4 Oklahoma 1,944 4 Nevada 776
5 Rhode Island 1,630 5 Wisconsin 814
6 Kansas 1,617 6 ArizonaÌý 843
7 ColoradoÌý 1,616 7 Delaware 873
8 Mississippi 1,578 8 Ohio 874
9 Nebraska 1,569 9 Washington 881
10 Massachusetts 1,543 10 Maine 905

(1) Based on the HO-3 homeowner package policy for owner-occupied dwellings, 1 to 4 family units. Provides all risks coverage (except those specifically excluded in the policy) on buildings and broad named-peril coverage on personal property, and is the most common package written.
(2) Texas data were obtained from the Texas Department of Insurance.

Source: © 2020 National Association of Insurance Commissioners (NAIC). Further reprint or distribution strictly prohibited without written permission of NAIC.

 
Top 10 Most Expensive And Least Expensive States For Homeowners Insurance Premiums, 2019 (1)
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Rank Most expensive states Average expenditure Rank Least expensive states Average expenditure
1 Louisiana $2,037 1Ìý Oregon $727
2 Oklahoma 2,000 2Ìý Utah 743
3 Florida 1,988 3Ìý Wisconsin 750
4 Texas (2) 1,982 4Ìý Nevada 791
4 Rhode Island 1,731 5Ìý Idaho 799
5 Mississippi 1,622 6Ìý ArizonaÌý 850
6 ColoradoÌý 1,618 7Ìý Ohio 853
7 Massachusetts 1,617 8Ìý Delaware 908
8 Nebraska 1,564 9Ìý Washington 908
9 Connecticut 1,531 10Ìý Iowa 913

(1) Based on the HO-3 homeowner package policy for owner-occupied dwellings, 1 to 4 family units. Provides all risks coverage (except those specifically excluded in the policy) on buildings and broad named-peril coverage on personal property, and is the most common package written.
(2) Texas data were obtained from the Texas Department of Insurance.

Source: © 2022 National Association of Insurance Commissioners (NAIC). Further reprint or distribution strictly prohibited without written permission of NAIC.

 
Top 10 Most Expensive And Least Expensive States For Homeowners Insurance Premiums, 2020 (1)
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Rank Most expensive states Average expenditure Rank Least expensive states Average expenditure
1 Florida $2,165 1Ìý Oregon $735
2 Oklahoma 2,040 2Ìý Wisconsin 762
3 Louisiana 2,038 3Ìý Utah 764
4 Texas (2) 2,000 4Ìý Idaho 810
5 Rhode Island 1,788 5Ìý Nevada 824
6 Mississippi 1,674 6Ìý Arizona 866
7 ColoradoÌý 1,667 7Ìý Ohio 871
7 Massachusetts 1,667 8 Delaware 907
8 Nebraska 1,586 9 Washington 937
9 Connecticut 1,582 10 Maine 956

(1) Based on the HO-3 homeowner package policy for owner-occupied dwellings, 1 to 4 family units. Provides all risks coverage (except those specifically excluded in the policy) on buildings and broad named-peril coverage on personal property, and is the most common package written.
(2) Texas data were obtained from the Texas Department of Insurance.

Source: © 2022 National Association of Insurance Commissioners (NAIC). Further reprint or distribution strictly prohibited without written permission of NAIC.