Homeowners Insurance Rates By State

As you ll see in the homeowners insurance cost by state chart below oklahoma is the most expensive state for home insurance 2 140 more than the national average for the coverage level analyzed.

Homeowners insurance rates by state. We show average home rates for three other common coverage levels at the end of this article. 866 845 5337 the zip code you entered is invalid. The naic s most recent report released in 2019 revealed homeowners insurance rates for 2016. However homeowners insurance costs are based off of more than what state you.

Homeowners insurance rates vary by a lot of factors and how much you pay may be a lot more than someone a state away. Because the cost of homeowners insurance varies greatly by state it makes sense to explore rates on a state by state basis. If you live in oklahoma kansas arkansas florida or texas you re paying the highest prices on average for home insurance while those in hawaii california vermont utah and new hampshire pay the least. To do this we collected thousands of homeowners insurance quotes in every state and calculated the average premium for each one.

Over the past 5 years alone average home insurance rates have increased over 24 57. Much of the fluctuations that you will see from one state to another are reflective of the. If you are purchasing a new home or curious about more affordable home insurance rates then it s a great idea to review and compare rates in your area. If you haven t been watching homeowners insurance rates have been on the increase.

Average homeowners insurance. The highest homeowners insurance rates in the nation belong to zip code 33070 home to islamorada village of islands on plantation key florida. Hawaiians enjoy the cheapest rates for homeowners insurance at just 499 per year thanks in large part to the relatively rare occurrences of insurable natural disasters. If you re interested in a more complete look at what home insurance might cost you in a given state below is a comprehensive list put together by the zebra the nation s leading insurance comparison site.

How do your home insurance costs compare to others in the country. Homeowners insurance state guides help you learn about the homeowners insurance factors rates requirements and regulations by state. Average homeowners insurance prices by state. When comparing the average rates of an ho 3 homeowners insurance policy in each state from 2015 and 2016 these are the states that experienced the highest homeowners insurance rate increases over that year.