Home / Cost of living / Homeowners Insurance Cost by State NerdWallet · May 6, 2026 Home insurance cost by state Typical yearly premium for $400,000 of dwelling coverage, $300,000 liability and a $1,000 deductible. It ranges from $900 in Hawaii to $7,255 in Oklahoma. The U.S. figure is $2,490.
AL $4,285 Alabama: $4,285 AK $1,385 Alaska: $1,385 AZ $3,415 Arizona: $3,415 AR $4,955 Arkansas: $4,955 CA $1,820 California: $1,820 CO $3,910 Colorado: $3,910 CT $2,135 Connecticut: $2,135 DE $1,365 Delaware: $1,365 DC $1,645 District of Columbia: $1,645 FL $2,845 Florida: $2,845 GA $3,225 Georgia: $3,225 HI $900 Hawaii: $900 ID $2,195 Idaho: $2,195 IL $3,240 Illinois: $3,240 IN $2,985 Indiana: $2,985 IA $3,765 Iowa: $3,765 KS $5,455 Kansas: $5,455 KY $3,795 Kentucky: $3,795 LA $2,020 Louisiana: $2,020 ME $1,525 Maine: $1,525 MD $2,375 Maryland: $2,375 MA $1,645 Massachusetts: $1,645 MI $2,415 Michigan: $2,415 MN $3,615 Minnesota: $3,615 MS $4,445 Mississippi: $4,445 MO $3,805 Missouri: $3,805 MT $3,765 Montana: $3,765 NE $6,015 Nebraska: $6,015 NV $1,635 Nevada: $1,635 NH $1,500 New Hampshire: $1,500 NJ $1,480 New Jersey: $1,480 NM $2,800 New Mexico: $2,800 NY $1,710 New York: $1,710 NC $3,025 North Carolina: $3,025 ND $3,510 North Dakota: $3,510 OH $2,080 Ohio: $2,080 OK $7,255 Oklahoma: $7,255 OR $1,705 Oregon: $1,705 PA $1,720 Pennsylvania: $1,720 RI $2,230 Rhode Island: $2,230 SC $3,205 South Carolina: $3,205 SD $3,965 South Dakota: $3,965 TN $4,220 Tennessee: $4,220 TX $4,915 Texas: $4,915 UT $1,810 Utah: $1,810 VT $1,170 Vermont: $1,170 VA $2,265 Virginia: $2,265 WA $1,880 Washington: $1,880 WV $2,465 West Virginia: $2,465 WI $2,175 Wisconsin: $2,175 WY $1,805 Wyoming: $1,805 Lower Higher Cheapest: Hawaii, $900. Most expensive: Oklahoma, $7,255. Find your state Rank State Home insurance cost A month 1 Hawaii $900 $75 2 Vermont $1,170 $98 3 Delaware $1,365 $114 4 Alaska $1,385 $115 5 New Jersey $1,480 $123 6 New Hampshire $1,500 $125 7 Maine $1,525 $127 8 Nevada $1,635 $136 9 District of Columbia $1,645 $137 10 Massachusetts $1,645 $137 11 Oregon $1,705 $142 12 New York $1,710 $143 13 Pennsylvania $1,720 $143 14 Wyoming $1,805 $150 15 Utah $1,810 $151 16 California $1,820 $152 17 Washington $1,880 $157 18 Louisiana $2,020 $168 19 Ohio $2,080 $173 20 Connecticut $2,135 $178 21 Wisconsin $2,175 $181 22 Idaho $2,195 $183 23 Rhode Island $2,230 $186 24 Virginia $2,265 $189 25 Maryland $2,375 $198 26 Michigan $2,415 $201 27 West Virginia $2,465 $205 28 New Mexico $2,800 $233 29 Florida $2,845 $237 30 Indiana $2,985 $249 31 North Carolina $3,025 $252 32 South Carolina $3,205 $267 33 Georgia $3,225 $269 34 Illinois $3,240 $270 35 Arizona $3,415 $285 36 North Dakota $3,510 $293 37 Minnesota $3,615 $301 38 Iowa $3,765 $314 39 Montana $3,765 $314 40 Kentucky $3,795 $316 41 Missouri $3,805 $317 42 Colorado $3,910 $326 43 South Dakota $3,965 $330 44 Tennessee $4,220 $352 45 Alabama $4,285 $357 46 Mississippi $4,445 $370 47 Texas $4,915 $410 48 Arkansas $4,955 $413 49 Kansas $5,455 $455 50 Nebraska $6,015 $501 51 Oklahoma $7,255 $605
Source: NerdWallet, Average Homeowners Insurance Cost in May 2026 (updated May 6, 2026). Average annual homeowners premium (2026 rates) for a sample policy: $400,000 dwelling coverage, $300,000 liability, $1,000 deductible; 40-year-old homeowner with good credit. Sample rates generated by Quadrant Information Services; NerdWallet reports the median rate across insurers. State table figures align with the $400,000-dwelling national average ($2,490). DC listed on the page as 'Washington, D.C.' Rank 1 = cheapest.