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Editorial · Updated quarterly from state DOI rate filings & NAIC complaint indices.

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Dwelling coverage $300,000

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Bundle your auto for a bigger discount. Most homeowners save 10–25% bundling home + auto. Compare auto rates in your state →

Average home insurance cost by state

State averages for a standard policy ($300,000 dwelling, $1,000 deductible, good credit). Enter your ZIP above to see carrier rankings for your area. Not sure how much to carry? Use the home Coverage Calculator →

Alabama$2,150/yr Alaska$1,245/yr Arizona$1,680/yr Arkansas$2,280/yr California$1,840/yr Colorado$2,820/yr Connecticut$1,540/yr Delaware$1,090/yr Florida$4,218/yr Georgia$1,976/yr Hawaii$1,118/yr Idaho$1,155/yr Illinois$1,862/yr Indiana$1,750/yr Iowa$1,630/yr Kansas$2,860/yr Kentucky$2,170/yr Louisiana$3,635/yr Maine$1,295/yr Maryland$1,490/yr Massachusetts$1,650/yr Michigan$1,680/yr Minnesota$2,090/yr Mississippi$2,480/yr Missouri$2,050/yr Montana$1,880/yr Nebraska$2,480/yr Nevada$1,380/yr New Hampshire$1,070/yr New Jersey$1,492/yr New Mexico$1,860/yr New York$1,676/yr North Carolina$1,845/yr North Dakota$1,635/yr Ohio$1,580/yr Oklahoma$3,285/yr Oregon$1,200/yr Pennsylvania$1,492/yr Rhode Island$1,760/yr South Carolina$1,890/yr South Dakota$1,860/yr Tennessee$2,090/yr Texas$3,429/yr Utah$1,280/yr Vermont$1,140/yr Virginia$1,558/yr Washington$1,250/yr Washington D.C.$1,310/yr West Virginia$1,560/yr Wisconsin$1,090/yr Wyoming$1,390/yr