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Home Insurance Costs by State (2026)
Homeowners insurance rates vary dramatically by state — from under $700/year in Hawaii to over $5,000 in Florida and Oklahoma. Local climate risk, insurer competition, and state regulation all drive the spread. Knowing your state's baseline before you close lets you budget accurately and shop strategically. Select your state below for county-level data, risk factors, and a pre-filled mortgage calculator.
Connecticut→Maine→Massachusetts→New Hampshire→New Jersey→New York→Pennsylvania→Rhode Island→Vermont→Alabama→Arkansas→Delaware→Florida→Georgia→Kentucky→Louisiana→Maryland→Mississippi→North Carolina→Oklahoma→South Carolina→Tennessee→Texas→Virginia→West Virginia→District of Columbia→Illinois→Indiana→Iowa→Kansas→Michigan→Minnesota→Missouri→Nebraska→North Dakota→Ohio→South Dakota→Wisconsin→Alaska→Arizona→California→Colorado→Hawaii→Idaho→Montana→Nevada→New Mexico→Oregon→Utah→Washington→Wyoming→
Data sourced from NAIC Homeowners Insurance Report 2024 and Insurance.com rate analysis. Premiums reflect statewide averages for $300,000 dwelling coverage and vary by ZIP code, coverage level, and insurer.