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Home insurance rates by state
Premiums can vary 4x between states. See where yours lands — then compare your real rate by ZIP.
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Average annual premium by state (2026)
Benchmark figures for $300K dwelling coverage. Your actual rate depends on ZIP, home age, construction, and underwriting tier.
| State | Annual avg. | Tier |
|---|---|---|
| Vermont | $682 | cheapest |
| Delaware | $748 | cheapest |
| Oregon | $852 | cheapest |
| Utah | $914 | cheap |
| New Hampshire | $988 | cheap |
| Wisconsin | $1,036 | cheap |
| Pennsylvania | $1,182 | mid |
| California | $1,468 | mid |
| New York | $1,582 | mid |
| Georgia | $1,890 | mid |
| Texas | $2,488 | expensive |
| Mississippi | $2,742 | expensive |
| Kansas | $3,118 | expensive |
| Oklahoma | $3,612 | most expensive |
| Louisiana | $3,942 | most expensive |
| Florida | $4,148 | most expensive |
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Frequently asked questions
State-level pricing reflects hurricane, wildfire, hail, and tornado exposure plus state-specific rebuild costs, claim litigation patterns, and regulatory environments. Hurricane-exposed Gulf states and tornado-prone Plains states pay 3–6x what protected New England and Pacific Northwest states pay.
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