Home Insurance Calculator by State
Compare homeowners insurance rates across all 50 US states. Find average premiums, risk factors, and calculate your estimated cost based on your home's specifics.
Most Expensive
Florida — $4,231
Hurricane & flood risk
National Average
$2,230/year
Varies widely by state
Least Expensive
Vermont — $1,110
Low natural disaster risk
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State FarmAllstateProgressiveGeicoLiberty MutualNationwide
| State | Avg Premium | Median Home | Rate/$1K | Top Risk |
|---|---|---|---|---|
| Alabama | $1,680 | $157,100 | $4.20 | Wind: High (hurricanes) |
| Alaska | $1,290 | $303,600 | $3.20 | Fire: Moderate |
| Arizona | $1,780 | $366,500 | $3.80 | Fire: High |
| Arkansas | $2,120 | $162,400 | $5.40 | Wind: High (tornadoes) |
| California | $1,560 | $659,300 | $2.80 | Fire: Very High |
| Colorado | $2,700 | $436,800 | $4.80 | Hail: Very High |
| Connecticut | $1,830 | $315,600 | $4.20 | Wind: Moderate |
| Delaware | $1,120 | $290,800 | $3.20 | Flood: High (coastal) |
| Florida | $4,231 | $378,300 | $8.50 | Wind: Very High |
| Georgia | $1,740 | $275,200 | $4.50 | Wind: High |
| Hawaii | $1,220 | $708,600 | $2.50 | Wind: High (hurricanes) |
| Idaho | $1,240 | $369,300 | $3.20 | Fire: High |
| Illinois | $1,710 | $239,900 | $4.80 | Hail: High |
| Indiana | $1,520 | $192,300 | $4.90 | Hail: High |
| Iowa | $1,650 | $181,900 | $5.20 | Hail: Very High |
| Kansas | $2,960 | $193,900 | $6.20 | Wind: Very High |
| Kentucky | $1,890 | $173,400 | $5.40 | Flood: High |
| Louisiana | $3,600 | $186,400 | $7.50 | Wind: Very High |
| Maine | $1,180 | $265,000 | $3.40 | Wind: Moderate |
| Maryland | $1,530 | $369,100 | $3.40 | Flood: High (coastal) |
| Massachusetts | $1,860 | $531,200 | $3.20 | Wind: Moderate |
| Michigan | $1,520 | $213,300 | $4.60 | Wind: Moderate |
| Minnesota | $2,110 | $286,800 | $5.00 | Hail: Very High |
| Mississippi | $2,280 | $146,900 | $6.80 | Wind: Very High |
| Missouri | $1,820 | $194,700 | $5.20 | Hail: Very High |
| Montana | $1,840 | $345,300 | $4.00 | Fire: Very High |
| Nebraska | $2,740 | $213,200 | $5.80 | Hail: Very High |
| Nevada | $1,310 | $383,200 | $3.00 | Fire: Moderate |
| New Hampshire | $1,180 | $330,600 | $3.00 | Wind: Moderate |
| New Jersey | $1,560 | $395,800 | $3.40 | Flood: High (coastal) |
| New Mexico | $1,760 | $252,100 | $4.60 | Hail: High |
| New York | $1,670 | $379,100 | $3.50 | Flood: High (coastal) |
| North Carolina | $1,620 | $269,400 | $4.20 | Wind: High (hurricanes) |
| North Dakota | $1,990 | $217,400 | $5.20 | Hail: Very High |
| Ohio | $1,380 | $195,200 | $4.60 | Wind: Moderate |
| Oklahoma | $3,400 | $175,700 | $7.20 | Wind: Very High |
| Oregon | $1,180 | $421,500 | $2.60 | Fire: High |
| Pennsylvania | $1,310 | $232,100 | $4.00 | Flood: High |
| Rhode Island | $1,680 | $379,200 | $3.60 | Flood: High (coastal) |
| South Carolina | $1,800 | $250,700 | $4.80 | Wind: High (hurricanes) |
| South Dakota | $2,300 | $207,200 | $5.60 | Hail: Very High |
| Tennessee | $1,750 | $245,700 | $4.80 | Wind: High (tornadoes) |
| Texas | $3,340 | $263,900 | $5.80 | Wind: Very High |
| Utah | $1,180 | $431,700 | $2.80 | Hail: Moderate |
| Vermont | $1,110 | $273,600 | $3.20 | Wind: Moderate |
| Virginia | $1,390 | $330,600 | $3.40 | Wind: Moderate |
| Washington | $1,130 | $498,400 | $2.40 | Fire: High |
| West Virginia | $1,360 | $135,200 | $5.20 | Flood: High |
| Wisconsin | $1,470 | $238,800 | $4.40 | Hail: High |
| Wyoming | $1,780 | $269,600 | $4.60 | Wind: High |
📖 Understanding Home Insurance Costs
Homeowners insurance premiums vary dramatically across the United States. Factors that influence your rate include:
- Location & Natural Disaster Risk — States prone to hurricanes (FL, LA, TX), tornadoes (OK, KS, NE), hail (CO, MN, SD), or wildfire (CA, MT, OR) have higher premiums.
- Home Value & Construction — More expensive homes cost more to insure. Masonry and fire-resistant construction can lower premiums by 10-20%.
- Age of Home — Older homes (30+ years) cost more to insure due to aging electrical, plumbing, and roofing systems.
- Deductible Choice — Higher deductibles lower premiums. Raising from $1,000 to $2,500 typically saves 15-25%.
- Credit Score — In most states, credit-based insurance scores are a major rating factor. Better credit = lower premiums.
- Claims History — Prior claims can increase premiums 20-40% per claim for 3-5 years.
🏠 Most vs. Least Expensive States
Most expensive: Florida ($4,231), Louisiana ($3,600), Oklahoma ($3,400), Texas ($3,340), Kansas ($2,960) — all states with significant hurricane, tornado, or hail risk.
Least expensive: Vermont ($1,110), Washington ($1,130), Oregon ($1,180), Maine ($1,180), New Hampshire ($1,180), Utah ($1,180) — states with lower natural disaster frequency.
The difference between the most and least expensive states is over $3,000/year — making location one of the biggest factors in your premium.