Updated: December 29, 2025
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Home insurance costs vary more by location than almost any other household expense. MoneyGeek's analysis of quotes in all 50 states and Washington, D.C., finds the gap between the most and least expensive states has reached $9,639 per year.
Home insurance costs $3,548 per year nationally. Homeowners in high-risk states pay premiums up to 17 times higher than homeowners in stable climates.
The 10 most expensive states cluster in the South and Great Plains, where hurricanes, tornadoes and severe convective storms are frequent. Florida is in a league of its own, with premiums exceeding the next most expensive state (Louisiana) by more than $1,700.
Living in a high-cost state? Averages vary by ZIP code. Use the Home Insurance Calculator to get an estimate for your home's location.
The most affordable states span several regions but share low exposure to catastrophic weather.
1 | $601 | $50 | -83% | |
2 | $976 | $81 | -72% | |
3 | $1,054 | $88 | -70% | |
4 | $1,083 | $90 | -69% | |
5 | $1,152 | $96 | -68% | |
6 | $1,212 | $101 | -66% | |
7 | Washington, D.C. | $1,289 | $107 | -64% |
8 | $1,323 | $110 | -63% | |
9 | $1,348 | $112 | -62% | |
10 | $1,388 | $116 | -61% |
Rising premiums have widened the affordability gap between states, creating different cost realities for homeowners with similar properties.
A homeowner in Oklahoma (Rank 49) pays $640 monthly for coverage, while a comparable homeowner in Oregon (Rank 4) pays $90. The $550 monthly gap totals $6,600 yearly — a hidden tax on housing driven by location.
States in the middle of the distribution are shifting. Colorado and Montana have moved into the bottom 10 for affordability in recent years as wildfire risk and severe storms increase in the Mountain West.
Home insurance premiums vary by state due to differences in weather risks, construction costs, reinsurance rates and local legal environments.
High-premium states experience frequent hurricanes, severe convective storms, tornadoes and flooding. Swiss Re reports storms now account for about 70% of global insured losses. Climate change has intensified these hazards, expanded high-risk zones and increased premiums in areas once considered low-risk.
Reinsurance (insurance that insurers buy to protect themselves financially) has become more expensive after repeated catastrophic losses. Carriers in high-risk states depend heavily on reinsurance and pass those costs directly to policyholders. Industry analysts estimate that in Florida, reinsurance accounts for up to 40% of a homeowner's premium.
Material prices have grown more slowly in recent months, but cumulative construction costs remain elevated compared to pre-pandemic levels. Higher replacement costs increase claim payouts and raise premiums.
Florida's legal environment encourages litigation against insurers and contributes to fraudulent claims. These pressures raise costs for all policyholders in the state.
Verisk estimates roof-related claims reached $31 billion in 2024, a 30% increase in two years. More frequent severe weather has made roof damage a major driver of premium increases nationwide.
Pay Attention: Standard homeowners insurance policies generally exclude flood damage. Homeowners in high-risk areas must purchase separate flood insurance.
MoneyGeek uses internal research and Quadrant Information Services to gather premium data from major national and regional insurers in all 50 states and Washington, D.C. The dataset provides consistent rate estimates for the same home and homeowner profile across locations.
Homeowner profile
Home profile
Coverage
MoneyGeek ranks states by average annual premium, with Rank 1 indicating the least expensive state. The national average premium is $3,548 per year ($296 per month). Actual premiums vary based on home age, construction, claims history and coverage levels.
This table ranks every state and Washington, D.C., by its average annual homeowners insurance premium, from the least expensive (Rank 1) to the most expensive (Rank 51).
51 | Florida | $10,240 | $853 | +189% |
50 | Louisiana | $8,497 | $708 | +140% |
49 | Oklahoma | $7,683 | $640 | +117% |
48 | Texas | $6,854 | $571 | +93% |
47 | Nebraska | $6,269 | $522 | +77% |
46 | Mississippi | $5,166 | $431 | +46% |
45 | Arkansas | $5,045 | $420 | +42% |
44 | Montana | $4,913 | $409 | +38% |
43 | Alabama | $4,637 | $386 | +31% |
42 | Colorado | $4,075 | $340 | +15% |
41 | North Carolina | $3,756 | $313 | +6% |
40 | Kansas | $3,713 | $309 | +5% |
39 | South Dakota | $3,615 | $301 | +2% |
38 | Kentucky | $3,233 | $269 | -9% |
37 | Illinois | $3,164 | $264 | -11% |
36 | South Carolina | $3,103 | $259 | -13% |
35 | Indiana | $3,094 | $258 | -13% |
34 | Missouri | $2,994 | $249 | -16% |
33 | Tennessee | $2,931 | $244 | -17% |
32 | Virginia | $2,679 | $223 | -25% |
31 | Maryland | $2,633 | $219 | -26% |
30 | Arizona | $2,605 | $217 | -27% |
29 | Minnesota | $2,402 | $200 | -32% |
28 | Iowa | $2,381 | $198 | -33% |
27 | Pennsylvania | $2,334 | $195 | -34% |
26 | Connecticut | $2,306 | $192 | -35% |
25 | North Dakota | $2,261 | $188 | -36% |
24 | Georgia | $2,261 | $188 | -36% |
23 | Michigan | $2,206 | $184 | -38% |
22 | Rhode Island | $2,090 | $174 | -41% |
21 | Ohio | $2,076 | $173 | -41% |
20 | Massachusetts | $2,066 | $172 | -42% |
19 | Wyoming | $1,891 | $158 | -47% |
18 | New Mexico | $1,787 | $149 | -50% |
17 | New Jersey | $1,774 | $148 | -50% |
16 | West Virginia | $1,719 | $143 | -52% |
15 | Idaho | $1,675 | $140 | -53% |
14 | New York | $1,556 | $130 | -56% |
13 | Washington | $1,475 | $123 | -58% |
12 | Utah | $1,456 | $121 | -59% |
11 | Maine | $1,424 | $119 | -60% |
10 | Wisconsin | $1,388 | $116 | -61% |
9 | California | $1,348 | $112 | -62% |
8 | Alaska | $1,323 | $110 | -63% |
7 | Washington, D.C. | $1,289 | $107 | -64% |
6 | Nevada | $1,212 | $101 | -66% |
5 | New Hampshire | $1,152 | $96 | -68% |
4 | Oregon | $1,083 | $90 | -69% |
3 | Vermont | $1,054 | $88 | -70% |
2 | Delaware | $976 | $81 | -72% |
1 | Hawaii | $601 | $50 | -83% |
About Nathan Paulus
Nathan Paulus is the Head of Content at MoneyGeek, where he conducts original data analysis and oversees editorial strategy for insurance and personal finance coverage. He has published hundreds of data-driven studies analyzing insurance markets, consumer costs and coverage trends over the past decade. His research combines statistical analysis with accessible financial guidance for millions of readers annually.
Paulus earned his B.A. in English from the University of St. Thomas, Houston.
