Every U.S. state ranked by average homeowners insurance, 2026. National average: $2,543 per year. Click any state for the full breakdown.
| Rank | State | Avg per year |
|---|---|---|
| 1 | Florida | $7,136 |
| 2 | Louisiana | $5,986 |
| 3 | Kansas | $5,260 |
| 4 | Oklahoma | $5,010 |
| 5 | Colorado | $4,963 |
| 6 | Nebraska | $4,553 |
| 7 | Texas | $4,085 |
| 8 | Kentucky | $4,042 |
| 9 | Missouri | $3,979 |
| 10 | South Dakota | $3,760 |
| 11 | Arkansas | $3,733 |
| 12 | Alabama | $3,633 |
| 13 | Montana | $3,215 |
| 14 | North Carolina | $3,124 |
| 15 | North Dakota | $2,982 |
| 16 | South Carolina | $2,974 |
| 17 | Tennessee | $2,958 |
| 18 | Michigan | $2,924 |
| 19 | Iowa | $2,902 |
| 20 | Indiana | $2,887 |
| 21 | New Mexico | $2,869 |
| 22 | Minnesota | $2,729 |
| 23 | Illinois | $2,643 |
| 24 | Mississippi | $2,529 |
| 25 | Rhode Island | $2,445 |
| 26 | Arizona | $2,344 |
| 27 | Georgia | $2,323 |
| 28 | Idaho | $2,240 |
| 29 | Ohio | $2,118 |
| 30 | Wyoming | $2,075 |
| 31 | Virginia | $2,074 |
| 32 | Maryland | $1,918 |
| 33 | Connecticut | $1,905 |
| 34 | West Virginia | $1,860 |
| 35 | Utah | $1,814 |
| 36 | Wisconsin | $1,812 |
| 37 | Nevada | $1,774 |
| 38 | Washington | $1,753 |
| 39 | New York | $1,683 |
| 40 | Washington, D.C. | $1,656 |
| 41 | California | $1,616 |
| 42 | Oregon | $1,572 |
| 43 | Pennsylvania | $1,529 |
| 44 | Massachusetts | $1,483 |
| 45 | New Jersey | $1,421 |
| 46 | Alaska | $1,397 |
| 47 | Delaware | $1,374 |
| 48 | Maine | $1,335 |
| 49 | New Hampshire | $1,300 |
| 50 | Vermont | $1,063 |
| 51 | Hawaii | $659 |