Archived Tables

Current Table

AVERAGE PREMIUMS FOR HOMEOWNERS AND RENTERS INSURANCE BY STATE, 2011 (1)
  Homeowners Renters   Homeowners Renters
State Average
premium (2)
Rank (3) Average
premium (4)
Rank (3) State Average
premium (2)
Rank (3) Average
premium (4)
Rank (2)
Alabama  $1,163 6 $230 4 Montana  $818 28 $147 40
Alaska  924 21 171 26 Nebraska  958 20 151 37
Arizona  675 43 200 12 Nevada  689 42 199 13
Arkansas  1,029 15 220 7 New Hampshire  811 29 152 36
California (5) 967 18 208 11 New Jersey  915 22 168 28
Colorado  961 19 175 23 New Mexico  793 31 189 16
Connecticut  1,096 10 196 15 New York  1,097 9 210 10
D.C. 1,083 12 167 29 North Carolina  869 25 132 42
Delaware 664 44 159 32 North Dakota  969 17 117 43
Florida  1,933 1 210 10 Ohio  644 45 183 17
Georgia  906 24 228 5 Oklahoma  1,386 5 235 3
Hawaii  907 23 176 22 Oregon  559 49 170 27
Idaho  518 50 160 31 Pennsylvania  744 37 154 35
Illinois  822 27 172 25 Rhode Island  1,139 7 183 17
Indiana  779 33 179 19 South Carolina  1,091 11 199 14
Iowa  713 41 149 39 South Dakota  721 39 117 43
Kansas  1,103 8 177 21 Tennessee  915 22 213 9
Kentucky  839 26 175 23 Texas (6) 1,578 3 225 6
Louisiana  1,672 2 238 2 Utah  563 48 147 40
Maine  714 40 150 38 Vermont  748 36 155 34
Maryland  800 30 161 30 Virginia  782 32 155 34
Massachusetts  1,072 13 213 8 Washington  626 46 174 24
Michigan  774 34 208 11 West Virginia  743 38 178 20
Minnesota  1,056 14 150 38 Wisconsin  592 47 133 41
Mississippi  1,409 4 252 1 Wyoming  770 35 156 33
Missouri  1,022 16 182 18 United States $978   $187  

(1) Includes policies written by Citizens Property Insurance Corp. (Florida) and Citizens Property Insurance Corp. (Louisiana), Alabama Insurance Underwriting Association, Mississippi Windstorm Underwriting Association, North Carolina Joint Underwriting Association and South Carolina Wind and Hail Underwriting Association. Other southeastern states have wind pools in operation and their data may not be included in this chart.
(2) Based on the HO-3 homeowner package policy for owner-occupied dwellings, 1 to 4 family units. Provides “all risks” coverage (except those specifically excluded in the policy) on buildings and broad named-peril coverage on personal property, and is the most common package written.
(3) Ranked from highest to lowest. States with the same premium receive the same rank.
(4) Based on the HO-4 renters insurance policy for tenants. Includes broad named-peril coverage for the personal property of tenants.
(5) Data provided by the California Department of Insurance.
(6) The Texas Department of Insurance developed home insurance policy forms that are similar but not identical to the standard forms. In addition, due to the Texas Windstorm Association (which writes wind-only policies) classifying HO-1, 2 and 5 premiums as HO-3, the average premium for homeowners insurance is artificially high.

Note: Average premium=Premiums/exposure per house years. A house year is equal to 365 days of insured coverage for a single dwelling. The NAIC does not rank state average expenditures and does not endorse any conclusions drawn from this data.

Source: ©2013 National Association of Insurance Commissioners (NAIC). Reprinted with permission. Further reprint or distribution strictly prohibited without written permission of NAIC.

 
AVERAGE PREMIUMS FOR HOMEOWNERS AND RENTERS INSURANCE, BY STATE, 2007
  Homeowners  Renters     Homeowners Renters 
State Average
premium (1)
Rank (2) Average
premium (3)
Rank State Average
premium (1)
Rank (2) Average
premium (3)
Rank
Alabama  $905 12 $218 6 Montana  $700 28 $155 26
Alaska  861 14 175 17 Nebraska  807 18 143 34
Arizona  634 39 200 11 Nevada  695 30 201 10
Arkansas  762 22 201 10 New Hampshire  699 29 153 28
California (4) 925 11 231 3 New Jersey  776 20 172 18
Colorado  826 16 172 18 New Mexico  667 35 185 14
Connecticut  929 10 196 12 New York  936 9 218 6
Delaware  559 44 155 26 North Carolina  674 34 133 37
D.C. 1,089 4 190 13 North Dakota  771 21 112 41
Florida (5) 1,534 1 202 9 Ohio  540 45 162 23
Georgia  724 24 218 6 Oklahoma  1,054 5 223 5
Hawaii  850 15 209 7 Oregon  496 48 161 24
Idaho  422 50 150 29 Pennsylvania  689 32 144 33
Illinois  700 28 165 22 Rhode Island  950 8 182 15
Indiana  647 37 169 20 South Carolina  808 17 176 16
Iowa  610 41 132 38 South Dakota  618 40 113 40
Kansas  904 13 168 21 Tennessee  723 25 204 8
Kentucky  578 43 143 34 Texas (6) 1,448 2 226 4
Louisiana  1,400 3 248 2 Utah  505 47 138 36
Maine  596 42 142 35 Vermont  704 27 158 25
Maryland  692 31 147 31 Virginia  683 33 145 32
Massachusetts  1,023 6 223 5 Washington  506 46 170 19
Michigan  721 26 170 19 West Virginia  646 38 175 17
Minnesota  800 19 138 36 Wisconsin  491 49 122 39
Mississippi  1,019 7 250 1 Wyoming  656 36 149 30
Missouri  726 23 154 27 United States $822   $182  

(1) Based on the HO-3 homeowner package policy for owner-occupied dwellings, 1 to 4 family units. Provides “all risks” coverage (except those specifically excluded in the policy) on buildings and broad named-peril coverage on personal property, and is the most common package written.
(2) States with the same premium receive the same rank.
(3) Based on the HO-4 renters insurance policy for tenants. Includes broad named-peril coverage for the personal property of tenants.
(4) California data were provided by the California Department of Insurance.
(5) Florida data exclude policies written by Citizens Property Insurance Corporation, the state's insurer of last resort, and therefore are not directly comparable with other states.
(6) The Texas Department of Insurance developed home insurance policy forms that are similar but not identical to the standard forms.

Note: Average premium=Premiums/exposure per house years. A house year is equal to 365 days of insured coverage for a single dwelling. The NAIC does not rank state average expenditures and does not endorse any conclusions drawn from this data.

Source: © 2009 National Association of Insurance Commissioners (NAIC). Reprinted with permission. Further reprint or distribution strictly prohibited without written permission of NAIC.

 
AVERAGE PREMIUMS FOR HOMEOWNERS AND RENTERS INSURANCE BY STATE, 2008
  Homeowners  Renters     Homeowners Renters 
State Average
premium (1)
Rank (2) Average
premium (3)
Rank (2) State Average
premium (1)
Rank (2) Average
premium (3)
Rank (2)
Alabama  $845 14 $199 11 Montana  $721 21 $154 25
Alaska  856 13 178 15 Nebraska  814 16 140 31
Arizona  628 33 202 10 Nevada  692 24 205 8
Arkansas  788 19 203 9 New Hampshire  647 30 134 32
California (4) 911 10 224 3 New Jersey  691 25 140 31
Colorado  842 15 177 16 New Mexico  703 23 186 14
Connecticut  980 7 194 13 New York  983 6 216 6
Delaware  535 41 134 32 North Carolina  683 26 130 35
D.C. 926 8 151 28 North Dakota  808 17 112 38
Florida (5) 1,390 2 207 7 Ohio  565 40 163 23
Georgia  749 20 219 4 Oklahoma  1,048 4 218 5
Hawaii  862 12 202 10 Oregon  439 44 153 26
Idaho  387 46 152 27 Pennsylvania  586 38 123 36
Illinois  628 33 154 25 Rhode Island  897 11 149 29
Indiana  658 28 169 20 South Carolina  789 18 173 18
Iowa  612 34 132 33 South Dakota  609 35 113 37
Kansas  916 9 166 21 Tennessee  692 24 195 12
Kentucky  601 37 149 29 Texas (6) 1,460 1 216 6
Louisiana  1,155 3 228 2 Utah  432 45 134 32
Maine  572 39 130 35 Vermont  650 29 149 29
Maryland  637 32 132 33 Virginia  604 36 131 34
Massachusetts  1,026 5 218 5 Washington  471 43 172 19
Michigan  715 22 174 17 West Virginia  638 31 173 18
Minnesota  845 14 141 30 Wisconsin  503 42 123 36
Mississippi  980 7 272 1 Wyoming  676 27 155 24
Missouri  788 19 165 22 United States $791   $176  

(1) Based on the HO-3 homeowner package policy for owner-occupied dwellings, 1 to 4 family units. Provides “all risks” coverage (except those specifically excluded in the policy) on buildings and broad named-peril coverage on personal property, and is the most common package written.
(2) States with the same premium receive the same rank.
(3) Based on the HO-4 renters insurance policy for tenants. Includes broad named-peril coverage for the personal property of tenants.
(4) California data were provided by the California Department of Insurance.
(5) Florida data exclude policies written by Citizens Property Insurance Corporation, the state's insurer of last resort, and therefore are not directly comparable to other states.
(6) The Texas Department of Insurance developed home insurance policy forms that are similar but not identical to the standard forms.

Note: Average premium=Premiums/exposure per house years. A house year is equal to 365 days of insured coverage for a single dwelling. The NAIC does not rank state average expenditures and does not endorse any conclusions drawn from this data.

Source: © 2010 National Association of Insurance Commissioners (NAIC). Reprinted with permission. Further reprint or distribution strictly prohibited without written permission of NAIC.

 
AVERAGE PREMIUMS FOR HOMEOWNERS AND RENTERS INSURANCE BY STATE, 2009
  Homeowners Renters   Homeowners Renters
State Average
premium (1)
Rank (2) Average
premium (3)
Rank (2) State Average
premium (1)
Rank (2) Average
premium (3)
Rank (2)
Alabama  $987 11 $216 8 Montana  $751 27 $149 37
Alaska  892 16 181 19 Nebraska  849 20 143 39
Arizona  642 39 201 14 Nevada  703 34 202 13
Arkansas  919 14 226 3 New Hampshire  757 26 151 35
California (4) 922 13 218 7 New Jersey  848 21 169 27
Colorado  893 15 176 21 New Mexico  751 27 188 17
Connecticut  1,016 9 193 16 New York  1,021 8 213 10
D.C. 1,069 6 169 27 North Carolina  725 31 127 41
Delaware 610 41 154 33 North Dakota  853 19 114 44
Florida (5) 1,460 2 208 12 Ohio  613 40 173 24
Georgia  787 24 214 9 Oklahoma  1,123 5 220 5
Hawaii  879 18 193 16 Oregon  544 43 174 23
Idaho  485 45 158 30 Pennsylvania  694 35 143 39
Illinois  789 23 171 26 Rhode Island  1,069 6 182 18
Indiana  717 32 172 25 South Carolina  970 12 198 15
Iowa  645 38 135 40 South Dakota  645 38 116 43
Kansas  991 10 172 25 Tennessee  794 22 211 11
Kentucky  711 33 165 28 Texas (6) 1,511 1 222 4
Louisiana  1,430 3 245 2 Utah  544 43 155 32
Maine  651 37 144 38 Vermont  717 32 157 31
Maryland  779 25 152 34 Virginia  734 29 150 36
Massachusetts  1,035 7 219 6 Washington  552 42 173 24
Michigan  740 28 182 18 West Virginia  671 36 175 22
Minnesota  919 14 144 38 Wisconsin  542 44 125 42
Mississippi  1,185 4 251 1 Wyoming  727 30 159 29
Missouri  881 17 178 20 United States $880   $184  

(1) Based on the HO-3 homeowner package policy for owner-occupied dwellings, 1 to 4 family units. Provides “all risks” coverage (except those specifically excluded in the policy) on buildings and broad named-peril coverage on personal property, and is the most common package written.
(2) Ranked from highest to lowest. States with the same premium receive the same rank.
(3) Based on the HO-4 renters insurance policy for tenants. Includes broad named-peril coverage for the personal property of tenants.
(4) California data were provided by the California Department of Insurance.
(5) Florida data exclude policies written by Citizen's Property Insurance Corporation, the state's insurer of last resort, and therefore are not directly comparable to other states.
(6) The Texas Department of Insurance developed home insurance policy forms that are similar but not identical to the standard forms.

Note: Average premium=Premiums/exposure per house years. A house year is equal to 365 days of insured coverage for a single dwelling. The NAIC does not rank state average expenditures and does not endorse any conclusions drawn from this data.

Source: © 2011 National Association of Insurance Commissioners (NAIC). Reprinted with permission. Further reprint or distribution strictly prohibited without written permission of NAIC.

 
AVERAGE PREMIUMS FOR HOMEOWNERS AND RENTERS INSURANCE BY STATE, 2010 (1)
  Homeowners Renters   Homeowners Renters
State Average
premium
Rank (2) Average
premium
Rank (2) State Average
premium
Rank (2) Average
premium
Rank (2)
Alabama  $1,050 10 $223 6 Montana  $783 28 $147 35
Alaska  903 19 174 23 Nebraska  901 20 146 36
Arizona  666 42 197 13 Nevada  696 38 200 12
Arkansas  984 13 213 7 New Hampshire  791 26 151 33
California 939 16 213 7 New Jersey  867 22 167 26
Colorado  926 18 177 20 New Mexico  774 30 186 16
Connecticut  1,052 9 194 15 New York  1,044 11 210 9
D.C. 1,065 8 169 25 North Carolina  757 31 128 40
Delaware 636 43 157 29 North Dakota  895 21 115 42
Florida  1,544 3 202 11 Ohio  614 44 179 19
Georgia  833 24 225 4 Oklahoma  1,246 4 228 3
Hawaii  938 17 184 17 Oregon  535 48 171 24
Idaho  500 49 160 27 Pennsylvania  716 36 151 33
Illinois  793 25 169 25 Rhode Island  1,092 6 179 19
Indiana  748 33 175 22 South Carolina  997 12 196 14
Iowa  679 39 143 38 South Dakota  678 40 118 41
Kansas  1,066 7 176 21 Tennessee  852 23 206 10
Kentucky  776 29 169 25 Texas 1,560 1 224 5
Louisiana  1,546 2 234 2 Utah  558 47 147 35
Maine  676 41 145 37 Vermont  730 35 154 31
Maryland  784 27 156 30 Virginia  753 32 152 32
Massachusetts  1,050 10 211 8 Washington  595 45 174 23
Michigan  743 34 200 12 West Virginia  699 37 177 20
Minnesota  981 14 149 34 Wisconsin  563 46 130 39
Mississippi  1,217 5 252 1 Wyoming  748 33 158 28
Missouri  970 15 180 18 United States $909   $185  

(1) Policies written by Florida’s Citizens Property Insurance Corporation and the Louisiana Citizens Property Insurance Corporation are not included. Other southeastern states have wind pools in operation and their data may not be included in this chart.
(2) Ranked from highest to lowest. States with the same premium receive the same rank.

Note: Average premium=Premiums/exposure per house years. A house year is equal to 365 days of insured coverage for a single dwelling. The NAIC does not rank state average expenditures and does not endorse any conclusions drawn from this data.

Source: ©2012 National Association of Insurance Commissioners (NAIC). Reprinted with permission. Further reprint or distribution strictly prohibited without written permission of NAIC.