Data · By State
Homeowners insurance by state, ranked
Average annual HO-3 premium for all 50 states and DC, highest to lowest. Statewide averages that are not adjusted for home value or individual risk — coastal and wildfire exposure move these sharply.
As of Jul 5, 2026NAIC HO-3
These are statewide averages for the standard HO-3 homeowners policy. Your own premium depends on the home’s value, location, and risk — and in high-exposure states, availability itself can be the harder problem. The True Cost tool folds a state benchmark into your monthly estimate.
| # | State | Avg. premium / yr |
|---|---|---|
| 1 | Florida | $2,677 |
| 2 | Louisiana | $2,603 |
| 3 | Texas | $2,397 |
| 4 | Oklahoma | $2,268 |
| 5 | Colorado | $2,079 |
| 6 | Rhode Island | $2,074 |
| 7 | Mississippi | $1,907 |
| 8 | Massachusetts | $1,871 |
| 9 | Nebraska | $1,869 |
| 10 | Connecticut | $1,814 |
| 11 | Minnesota | $1,774 |
| 12 | South Dakota | $1,756 |
| 13 | Alabama | $1,748 |
| 14 | Arkansas | $1,740 |
| 15 | Missouri | $1,668 |
| 16 | Georgia | $1,655 |
| 17 | Montana | $1,639 |
| 18 | New York | $1,628 |
| 19 | North Carolina | $1,621 |
| 20 | Wyoming | $1,596 |
| 21 | Kansas | $1,583 |
| 22 | South Carolina | $1,571 |
| 23 | California | $1,492 |
| 24 | Tennessee | $1,492 |
| 25 | Hawaii | $1,431 |
| 26 | New Jersey | $1,417 |
| 27 | Maryland | $1,392 |
| 28 | District of Columbia | $1,384 |
| 29 | Kentucky | $1,359 |
| 30 | Illinois | $1,343 |
| 31 | Virginia | $1,332 |
| 32 | North Dakota | $1,325 |
| 33 | New Mexico | $1,322 |
| 34 | Iowa | $1,268 |
| 35 | Indiana | $1,191 |
| 36 | New Hampshire | $1,188 |
| 37 | Washington | $1,151 |
| 38 | Alaska | $1,129 |
| 39 | Pennsylvania | $1,120 |
| 40 | West Virginia | $1,113 |
| 41 | Vermont | $1,109 |
| 42 | Delaware | $1,103 |
| 43 | Maine | $1,077 |
| 44 | Michigan | $1,056 |
| 45 | Arizona | $1,018 |
| 46 | Idaho | $1,002 |
| 47 | Ohio | $995 |
| 48 | Wisconsin | $957 |
| 49 | Nevada | $948 |
| 50 | Utah | $937 |
| 51 | Oregon | $893 |