What are the home insurance rates by state?
The national average home insurance rate is around $800 a year - which, considering the exorbitant rates of other types of insurance, is comparatively inexpensive.
However, home insurance rates vary considerably from state to state, depending on a number of factors, such as geographical location, likelihood of natural disasters in the area, insurance claim history and worth of every particular home and its contents.
Home Insurance Rates by State
As a rule, those who live in high-risk zones normally pay some of the highest annual home insurance premiums. It costs home owners in the states of Texas, Louisiana, Mississippi, California and Florida over $1,000 a year to insure their homes.
In addition, because these states are exposed to the risk of loss caused by natural disasters, home owners are expected to install certain loss-prevention features if they don't want their home insurance rates to double or triple. In some counties in Florida, for instance, home owners may pay as much as $7,000 a year for home insurance without the necessary mitigation elements installed.
Home owners in states such as Iowa, Utah and Oregon are luckier since their home insurance rates don't go above several hundred dollars per annum.
Here are the annual home insurance rates by state:
| Alabama | $890 |
| Alaska | $850 |
| Arizona | $640 |
| Arkansas | $800 |
| California | $937 |
| Colorado | $813 |
| Connecticut | $878 |
| Delaware | $530 |
| District of Columbia | $1012 |
| Florida | $1388 |
| Georgia | $703 |
| Hawaii | $776 |
| Idaho | $477 |
| Illinois | $674 |
| Indiana | $638 |
| Iowa | $596 |
| Kansas | $866 |
| Kentucky | $637 |
| Louisiana | $1257 |
| Maine | $573 |
| Maryland | $720 |
| Massachusetts | $925 |
| Michigan | $715 |
| Minnesota | $788 |
| Mississippi | $998 |
| Missouri | $707 |
| Montana | $666 |
| Nebraska | $783 |
| Nevada | $690 |
| New Hampshire | $669 |
| New Jersey | $726 |
| New Mexico | $638 |
| New York | $869 |
| North Carolina | $649 |
| North Dakota | $742 |
| Ohio | $530 |
| Oklahoma | $1018 |
| Oregon | $502 |
| Pennsylvania | $643 |
| Rhode Island | $919 |
| South Carolina | $851 |
| South Dakota | $628 |
| Tennessee | $706 |
| Texas | $1409 |
| Utah | $494 |
| Vermont | $677 |
| Virginia | $662 |
| Washington | $603 |
| West Virginia | $650 |
| Wisconsin | $490 |
| Wyoming | $648 |
Get Auto and Home Insurance from $19 a month in Just One Call! Call Now for Your Immediate Quote: 833-490-0454
| Not a bit | Very useful |
From buying to claiming – everything you need to know about home insurance