# Average home insurance by state

> Map and sortable table of the average homeowners premium in all 50 states and DC from 2023 NAIC data, with ranks, monthly figures and a state-to-state comparison.

- Address: https://typicalhomeinsurancecost.com/average-cost-by-state/
- Regulator, statute or survey: [NAIC Homeowners Report, data for 2023 (July 2026), Table 4](https://content.naic.org/sites/default/files/publication-hmr-zu-homeowners-report.pdf)
- Source read on: 2026-11-06
- Tables as JSON: https://typicalhomeinsurancecost.com/data/average-cost-by-state.json

The estimator on this page works in the visitor's browser; the averages and factors it uses are listed below, each with its regulator or survey source.

Click or tap a state, or choose it from the list; the small eastern states also have their own buttons. Colors run from the cheapest band (palest) to the dearest (darkest). The table under the map holds the same 51 figures and sorts by name or by premium.

## The regulator data behind the map

Every state insurance department collects premium and exposure data from the insurers it regulates. The NAIC adds them up and divides premiums by "house-years", one house insured for 365 days. The figures here are for the HO-3 package policy on owner-occupied homes, for 2023, from Table 4 of the [NAIC Homeowners Report](https://content.naic.org/sites/default/files/publication-hmr-zu-homeowners-report.pdf), published in July 2026 and read on November 1, 2026. They include state funds, residual markets and some wind pools. California's figures come from the California Department of Insurance and Texas's from the Texas Department of Insurance, whose own policy forms are similar but not identical. The NAIC itself calls average premium "an imperfect measure" of price and doesn't rank states.

## The ten highest and lowest

| Highest | 2023 average | Lowest | 2023 average |
|---|---|---|---|
| Louisiana | $3,027 | Wisconsin | $923 |
| Texas | $2,864 | Oregon | $1,003 |
| Florida | $2,779 | Nevada | $1,013 |
| Colorado | $2,492 | Utah | $1,107 |
| Oklahoma | $2,486 | Michigan | $1,110 |
| Rhode Island | $2,396 | Ohio | $1,116 |
| Nebraska | $2,142 | Idaho | $1,135 |
| Massachusetts | $2,134 | Maine | $1,150 |
| Connecticut | $2,036 | West Virginia | $1,179 |
| Mississippi | $2,029 | Arizona | $1,194 |

The spread is more than three to one: a household in Louisiana paid on average 3.3 times what one in Wisconsin paid ($3,027 ÷ $923).

## Why the map looks the way it does

**Hurricanes along the Gulf and Atlantic.** Louisiana, Texas and Florida hold the top three places, and Mississippi is tenth. Wind is the biggest single loss driver there, and reinsurance for hurricane risk is expensive.

**Hail and tornadoes in the middle of the country.** Colorado, Oklahoma and Nebraska are in the top seven, and Kansas ($1,733) and South Dakota ($1,614) pay more than their house prices would suggest. Hail destroys roofs, and roofs are costly claims.

**Older, pricier housing in New England.** Rhode Island, Massachusetts and Connecticut combine coastal storm exposure with high rebuilding costs.

**Mild, low-claim states.** Wisconsin, Oregon, Nevada and Utah see few severe storms. Wildfire risk exists in the West, but it is concentrated in particular areas rather than in the state averages.

California is a special case. Its 2023 average of $1,655 sits below the national $1,737 despite high house values, and its data come from the state's own Department of Insurance. A single state average hides very wide differences between neighborhoods, and the wildfire-driven price rises and insurer withdrawals reported since then aren't in a 2023 number.

## Reading a state figure correctly

An average premium is total premium divided by the number of insured homes, so it moves with the size and value of the homes in that state as well as with risk. A state full of large, expensive houses has a higher average even if the price per $1,000 of coverage is ordinary. The same NAIC report shows the effect across the country: homes insured for $200,000 to $224,999 averaged $1,282, homes insured for $700,000 to $999,999 averaged $2,916. That's why the [estimator](https://typicalhomeinsurancecost.com/) adjusts for the amount you insure instead of handing you the state figure.

Also note the date. 2023 is the latest year the NAIC has published, and premiums kept rising after it, so treat these averages as a floor for today's prices, not a quote.

## The national trend

The chart under the table draws the US average year by year from 2013. The [premium history page](https://typicalhomeinsurancecost.com/premium-history/) gives the same series with each year's change, what drove the jump after 2020 and what has been published since.

## Worked example: moving between states

Someone moving from Ohio to Texas with the same size of house can expect the insurance line of the budget to change roughly in the ratio of the state averages: $2,864 ÷ $1,116 = 2.57. A policy that cost $1,300 in Ohio would come in around $3,340 in Texas before any difference in roof, deductible or wind coverage. Use "Compare with" under the map to see the gap between any two states.

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From Typical Home Insurance Cost. Corrections: contact@typicalhomeinsurancecost.com