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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 Arizona  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 Arizona  810
8 Connecticut 1,411 8 Washington 811
9 Colorado  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 Arizona  803
7 Rhode Island 1,496 7 Delaware 816
8 Connecticut 1,455 8 Washington 822
9 Massachusetts 1,451 9 Ohio 850
10 Colorado  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 Arizona  825
7 Mississippi 1,537 7 Delaware 833
8 Colorado  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 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.

 
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 1  Oregon $727
2 Oklahoma 2,000 2  Utah 743
3 Florida 1,988 3  Wisconsin 750
4 Texas (2) 1,982 4  Nevada 791
4 Rhode Island 1,731 5  Idaho 799
5 Mississippi 1,622 6  Arizona  850
6 Colorado  1,618 7  Ohio 853
7 Massachusetts 1,617 8  Delaware 908
8 Nebraska 1,564 9  Washington 908
9 Connecticut 1,531 10  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 1  Oregon $735
2 Oklahoma 2,040 2  Wisconsin 762
3 Louisiana 2,038 3  Utah 764
4 Texas (2) 2,000 4  Idaho 810
5 Rhode Island 1,788 5  Nevada 824
6 Mississippi 1,674 6  Arizona 866
7 Colorado  1,667 7  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.