| 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 |
Arizona |
843 |
| 7 |
Colorado |
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. |
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