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Homeowners Insurance State Directory

Updated Feb. 21, 2023
Dana George
By: Dana George

Our Insurance Expert

Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.

U.S. homeowners pay, on average, $1,725 per year for homeowners insurance. The price of homeowners coverage varies by state, city, and insurance company. Here, we'll cover why that is and show you which states charge the most (and the least) for coverage.The Best Cheap New Mexico Homeowners Insurance

Why do home insurance costs vary from state to state?

Let's say two homeowners have precisely the same house, with all the same amenities, situated on exactly the same size lot. The only difference is that the homes are located in different states. The homeowners insurance premium on one house could be twice, three times, or even four times as much as the premium on the house located in another state. That's because insurers set premiums based on factors such as:

  • How prone the area is to natural disasters
  • Cost to rebuild in a specific area
  • Crime rate
  • Distance from nearest fire station

What are the cheapest states for homeowners insurance?

Interestingly, of the five cheapest states for homeowners insurance, all but one has a coastline. Here they are, along with their average annual premiums:

  1. Hawaii ($392)
  2. Oregon ($814)
  3. Utah ($817)
  4. New Jersey ($822)
  5. Delaware ($826)

What are the most expensive states for homeowners insurance?

It may be a coincidence, but the five states with the most expensive homeowners insurance are all in the Midwest or Deep South. They're all prone to tornadoes, two experience hurricanes, and two deal with ice regularly during winter months.

  1. Nebraska ($4,043)
  2. Oklahoma ($3,883)
  3. Mississippi ($3,045)
  4. Kansas ($3,012)
  5. Texas ($2,646)

What's the cheapest homeowners insurance in my state?

Premiums also vary within a single state. Again, it could be due to the crime rate in a particular area, how near it is to the ocean, or if it's in a rural area and difficult for firetrucks to access. These guides can help homeowners find the cheapest homeowners insurance by state.

Our Insurance Expert

Dana George
By: Dana George

Writer

Dana George has a BA in Management and Organization Development from Spring Arbor University. For more than 25 years, she has written and reported on business and finance, and she's still passionate about her work. Dana and her husband recently moved to Champaign, Illinois, home of the Fighting Illini. And though she finds the color orange unflattering on most people, she thinks they'll enjoy Champaign tremendously.