Industry data

Homeowners Insurance Costs by State: October 2026

Last updated October 22, 2026. All data pieces · Methodology

Many buyers start pricing homeowners insurance when a lender asks for proof of coverage before closing, and many owners look again when a renewal notice arrives with a higher bill. What you pay depends on where the house sits, what it would cost to rebuild, the policy form, the deductible, your claims history and your credit. A state average blends all of that together. It can't tell you what a quote on a specific house will be, and it hides big differences between a coastal ZIP code and an inland one in the same state.

We compiled these figures from eight sources: two reports and a reference page from the National Association of Insurance Commissioners (NAIC), the Insurance Information Institute (III), two Consumer Financial Protection Bureau (CFPB) publications, NerdWallet and Insurance.com. The headline figure is NAIC's countrywide average premium for an HO-3 policy, the standard form for owner-occupied homes: $1,737 for 2023, ranging from $923 in Wisconsin to $3,027 in Louisiana. NAIC calculates an average premium as premiums written divided by house-years of coverage, so it reflects what policyholders were actually charged, not quotes. The written-premium data cover 2013 through 2024. The quote-based figures come from data captured from early 2023 through 2026 by Quadrant Information Services and published by NerdWallet and Insurance.com. The 2023 NAIC report, published in July 2026, is the latest state-by-state edition.

Average HO-3 Premium by State, 2023

This table answers the main question: the average annual premium for an HO-3 policy on an owner-occupied home in each state and DC, with the HO-6 average for condo and co-op unit owners alongside it.

The Average Homeowners Insurance Premium by State — 2023
State	HO-3 average annual premium (owner-occupied homes)	HO-6 average annual premium (condo/co-op unit owners)
United States (countrywide)	$1,737	$658
Alabama	$1,906	$751
Alaska	$1,216	$521
Arizona	$1,194	$603
Arkansas	$1,870	$697
California	$1,655	$722
Colorado	$2,492	$657
Connecticut	$2,036	$459
Delaware	$1,196	$544
District of Columbia	$1,545	$504
Florida	$2,779	$1,146
Georgia	$1,828	$748
Hawaii	$1,549	$465
Idaho	$1,135	$570
Illinois	$1,480	$522
Indiana	$1,259	$431
Iowa	$1,342	$367
Kansas	$1,733	$433
Kentucky	$1,525	$481
Louisiana	$3,027	$992
Maine	$1,150	$437
Maryland	$1,578	$468
Massachusetts	$2,134	$537
Michigan	$1,110	$413
Minnesota	$1,988	$468
Mississippi	$2,029	$764
Missouri	$1,589	$474
Montana	$1,768	$642
Nebraska	$2,142	$442
Nevada	$1,013	$531
New Hampshire	$1,300	$421
New Jersey	$1,551	$521
New Mexico	$1,490	$521
New York	$1,801	$781
North Carolina	$1,852	$637
North Dakota	$1,414	$338
Ohio	$1,116	$386
Oklahoma	$2,486	$752
Oregon	$1,003	$483
Pennsylvania	$1,217	$474
Rhode Island	$2,396	$607
South Carolina	$1,753	$628
South Dakota	$1,614	$380
Tennessee	$1,649	$592
Texas	$2,864	$999
Utah	$1,107	$379
Vermont	$1,215	$413
Virginia	$1,537	$539
Washington	$1,232	$512
West Virginia	$1,179	$375
Wisconsin	$923	$331
Wyoming	$1,853	$596

Source: NAIC, Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner's Insurance Report: Data for 2023, Tables 4 and 5. Averages are written premium divided by written exposures (house-years). Texas data come from the Texas Department of Insurance, and Texas policy forms are similar but not identical to the standard forms. California data come from the California Department of Insurance. Residual-market and some FAIR plan data are included; earthquake premiums are excluded.

HO-3 policies made up 79.5% of owner-occupied homeowners exposures in the NAIC report, which is why we use that form for the headline. NAIC describes average premium as an imperfect measure of relative price, because hazards, economic conditions and real estate values vary from state to state. If you are buying with a mortgage, the CFPB notes that you usually pay the first 6 to 12 months of homeowners insurance premiums at or before closing. The CFPB's Loan Estimate guide lists the homeowner's insurance premium as a prepaid item, and our mortgage closing cost data leaves prepaids out.

Change in Average HO-3 Premium by State, 2022 to 2023

The next table compares each state's 2023 HO-3 average with the 2022 figure from NAIC's previous edition, as published by III, to show where premiums moved fastest.

The Change in Average HO-3 Premium by State — 2023
State	2022 HO-3 average premium	2023 HO-3 average premium	Change
United States (countrywide)	$1,569	$1,737	+10.7%
Alabama	$1,748	$1,906	+9.0%
Alaska	$1,129	$1,216	+7.7%
Arizona	$1,018	$1,194	+17.3%
Arkansas	$1,740	$1,870	+7.5%
California	$1,492	$1,655	+10.9%
Colorado	$2,079	$2,492	+19.9%
Connecticut	$1,814	$2,036	+12.2%
Delaware	$1,103	$1,196	+8.4%
District of Columbia	$1,384	$1,545	+11.6%
Florida	$2,677	$2,779	+3.8%
Georgia	$1,655	$1,828	+10.5%
Hawaii	$1,431	$1,549	+8.2%
Idaho	$1,002	$1,135	+13.3%
Illinois	$1,343	$1,480	+10.2%
Indiana	$1,191	$1,259	+5.7%
Iowa	$1,268	$1,342	+5.8%
Kansas	$1,583	$1,733	+9.5%
Kentucky	$1,359	$1,525	+12.2%
Louisiana	$2,603	$3,027	+16.3%
Maine	$1,077	$1,150	+6.8%
Maryland	$1,392	$1,578	+13.4%
Massachusetts	$1,871	$2,134	+14.1%
Michigan	$1,056	$1,110	+5.1%
Minnesota	$1,774	$1,988	+12.1%
Mississippi	$1,907	$2,029	+6.4%
Missouri	$1,668	$1,589	-4.7%
Montana	$1,639	$1,768	+7.9%
Nebraska	$1,869	$2,142	+14.6%
Nevada	$948	$1,013	+6.9%
New Hampshire	$1,188	$1,300	+9.4%
New Jersey	$1,417	$1,551	+9.5%
New Mexico	$1,322	$1,490	+12.7%
New York	$1,628	$1,801	+10.6%
North Carolina	$1,621	$1,852	+14.3%
North Dakota	$1,325	$1,414	+6.7%
Ohio	$995	$1,116	+12.2%
Oklahoma	$2,268	$2,486	+9.6%
Oregon	$893	$1,003	+12.3%
Pennsylvania	$1,120	$1,217	+8.7%
Rhode Island	$2,074	$2,396	+15.5%
South Carolina	$1,571	$1,753	+11.6%
South Dakota	$1,756	$1,614	-8.1%
Tennessee	$1,492	$1,649	+10.5%
Texas	$2,397	$2,864	+19.5%
Utah	$937	$1,107	+18.1%
Vermont	$1,109	$1,215	+9.6%
Virginia	$1,332	$1,537	+15.4%
Washington	$1,151	$1,232	+7.0%
West Virginia	$1,113	$1,179	+5.9%
Wisconsin	$957	$923	-3.6%
Wyoming	$1,596	$1,853	+16.1%

Sources: 2022 figures from NAIC via the Insurance Information Institute; 2023 figures from the NAIC 2023 homeowners report. Change is our calculation: (2023 average ÷ 2022 average − 1) × 100, rounded to one decimal place.

The average rose in 47 states and DC and fell in three. In 25 states and DC, the increase was 10% or more.

National Average Homeowners and Renters Premiums, 2013 to 2023

This table puts the 2023 national averages in context with the decade before, for both HO-3 homeowners policies and HO-4 renters policies.

The National Average Homeowners and Renters Insurance Premium — 2023
Year	HO-3 average premium (homeowners)	Change from prior year	HO-4 average premium (renters)	Change from prior year
2013	$1,096	6.0%	$188	0.5%
2014	$1,132	3.3%	$190	1.1%
2015	$1,173	3.6%	$188	-1.1%
2016	$1,192	1.6%	$185	-1.6%
2017	$1,211	1.6%	$180	-2.7%
2018	$1,249	3.1%	$179	-0.6%
2019	$1,272	1.8%	$174	-2.8%
2020	$1,311	3.1%	$173	-0.6%
2021	$1,411	7.6%	$170	-1.7%
2022	$1,569	11.2%	$171	0.6%
2023	$1,737	10.7%*	$173	1.2%*

Sources: 2013 to 2022 figures and percentage changes from NAIC via the Insurance Information Institute, which notes that the figures include state funds, residual markets and some wind pools. 2023 figures from the NAIC 2023 homeowners report. *2023 changes are our calculation: $1,737 ÷ $1,569 − 1 for HO-3 and $173 ÷ $171 − 1 for HO-4.

Average Premium per Policy by NAIC Zone, 2024

NAIC's market-dynamics report uses a different dataset, the Market Conduct Annual Statement (MCAS), which reaches into 2024 but reports regional rather than state averages and combines every homeowners and dwelling policy form, including renters and condo policies.

The Average Homeowners Premium per Policy by NAIC Zone — 2024
NAIC zone	Policies in force, 2024	Direct premium written, 2024	Average premium per policy, 2024	Change in average premium per policy, 2018 to 2024	Change after inflation (2025 dollars), 2018 to 2024
United States	103,289,334	$165.2 billion	$1,600	Not reported	Not reported
Western	34.0 million	$54.4 billion	$1,600	74%	43.3%
Southeast	28.7 million	$52.1 billion	$1,818	54%	26.5%
Midwest	24.9 million	$36.8 billion	$1,476	52%	24.7%
Northeast (excluding New York)	15.7 million	$22.0 billion	$1,396	44%	18.3%

Source: NAIC Center for Insurance Policy and Research, Examining Homeowner Property Insurance Market Dynamics, July 31, 2026, Figures 17, 19 and 20. Inflation-adjusted changes use the PCE price index, in 2025 dollars. New York does not report MCAS data and is excluded. North Dakota is excluded from the 2018 to 2024 change figures. Zones follow NAIC's member zones: the Western zone includes Texas and California, and the Midwest zone includes Oklahoma.

Because MCAS averages include lower-cost renters and condo policies, they are not comparable with the HO-3 averages above. The report also divides average premiums by state median home values. Because the national median home value rose 56% from 2018 to 2024, that effective rate was 2.2% below its 2018 baseline in 2024.

National Homeowners Insurance Cost by Data Type, 2023 to 2026

Quote-based studies publish more recent numbers than NAIC, but they measure something different. They price a set coverage profile from insurers' rate filings rather than averaging what policyholders paid.

The National Homeowners Insurance Cost by Data Type — 2026
Measure	Data type	Period	National figure
NAIC average HO-3 premium	Premiums written	2023	$1,737
NAIC average premium, all dwelling fire and owner-occupied homeowners forms	Premiums written	2023	$1,731
NAIC average direct premium written per policy, all homeowners and dwelling forms (MCAS)	Premiums written	2024	$1,600
NerdWallet median quoted premium (Quadrant Information Services)	Quote-based, modeled from insurers' filed rates	Q1 2026	$2,564
Insurance.com average quoted rate (Quadrant Information Services)	Quote-based	2026 (page updated September 15, 2026)	$2,872

Sources: NAIC 2023 homeowners report; NAIC MCAS market-dynamics report; NerdWallet Home Insurance Rates Report (2026), published October 2, 2026; Insurance.com, Average homeowners insurance rates by state, updated September 15, 2026. NerdWallet and Insurance.com figures are vendor-reported quote data and were not independently verified.

NerdWallet's figure is a median of more than 840 million rate estimates for a benchmark home built in 1984, pooling $300,000, $400,000 and $500,000 of dwelling coverage with a $1,000 deductible, good credit and no claims. It covers new business and renewal rates. By that measure, the median premium rose 24% from Q1 2023 to Q1 2026 and 4.6% in the most recent year. Insurance.com's average prices $300,000 of dwelling coverage, $300,000 of liability coverage, a $1,000 deductible, a 2% hurricane deductible where it applies, and good credit. The two approaches answer different questions: what a set profile would be charged today, and what policyholders paid on average in a past year.

What These Figures Mean for Your Premium

State averages show where coverage costs more and how fast it has risen, but your quote will depend on your house, coverage and history. To compare these costs with the other money due at closing, see our closing costs by state data and our guide to choosing a mortgage lender and title company.

Sources

National Association of Insurance Commissioners. "Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner's Insurance Report: Data for 2023." July 2026. https://content.naic.org/sites/default/files/publication-hmr-zu-homeowners-report.pdf
NAIC Center for Insurance Policy and Research (Czajkowski and Harms). "Examining Homeowner Property Insurance Market Dynamics: An Assessment of Countrywide State-Level Data From 2018 to 2024." July 31, 2026. https://content.naic.org/sites/default/files/mcas-homeowners-property-insurance-market-dynamics-report.pdf
National Association of Insurance Commissioners. "Members by Zone." Accessed October 22, 2026. https://content.naic.org/membership-report/members-zone
Insurance Information Institute. "Facts + Statistics: Homeowners and renters insurance." Accessed October 22, 2026. https://www.iii.org/fact-statistic/facts-statistics-homeowners-and-renters-insurance
Consumer Financial Protection Bureau. "Loan Estimate explainer." Accessed October 22, 2026. https://www.consumerfinance.gov/owning-a-home/loan-estimate/
Consumer Financial Protection Bureau. "TILA-RESPA Integrated Disclosure: Guide to the Loan Estimate and Closing Disclosure forms." Version 2.0, December 2017. https://files.consumerfinance.gov/f/documents/cfpb_kbyo_guide-to-loan-estimate-and-closing-disclosure-forms_v2.0.pdf
NerdWallet. "NerdWallet Home Insurance Rates Report (2026)." October 2, 2026. https://www.nerdwallet.com/insurance/homeowners/home-insurance-pricing-report-2026
Insurance.com. "Average homeowners insurance rates by state in 2026." Updated September 15, 2026. https://www.insurance.com/home-and-renters-insurance/home-insurance-basics/average-homeowners-insurance-rates-by-state

Figures are shown as published by the sources named under each table. How we source and correct: editorial and corrections policy. Spotted an error? Contact us.