Average Premiums For Homeowners And Renters Insurance By State, 2014 (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 (3)
Alabama $1,340 8 $245 5 Montana $1,003 27 $142 48
Alaska 976 30 168 30 Nebraska 1,226 15 150 42
Arizona 765 44 195 16 Nevada 704 46 190 19
Arkansas 1,252 13 213 8 New Hampshire 905 36 145 45
California (5) 974 31 203 12 New Jersey 1,092 21 168 31
Colorado 1,273 11 174 27 New Mexico 937 35 191 18
Connecticut 1,337 9 205 10 New York 1,256 12 205 11
Delaware 736 45 154 39 North Carolina 1,056 23 155 38
D.C. 1,151 18 160 34 North Dakota 1,136 20 114 51
Florida 2,055 1 202 14 Ohio 797 43 188 20
Georgia 1,089 22 226 6 Oklahoma 1,772 4 248 4
Hawaii 1,018 26 210 9 Oregon 574 51 164 32
Idaho 590 50 156 37 Pennsylvania 893 37 158 35
Illinois 987 29 177 26 Rhode Island 1,398 7 179 25
Indiana 944 33 187 21 South Carolina 1,240 14 194 17
Iowa 853 40 146 44 South Dakota 995 28 120 50
Kansas 1,431 6 179 24 Tennessee 1,139 19 215 7
Kentucky 1,023 24 169 28 Texas (6) 1,947 2 259 2
Louisiana 1,847 3 255 3 Utah 634 49 145 46
Maine 811 42 147 43 Vermont 844 41 152 41
Maryland 942 34 161 33 Virginia  946 32 157 36
Massachusetts 1,314 10 198 15 Washington 695 47 169 29
Michigan 865 39 203 13 West Virginia 877 38 180 23
Minnesota 1,219 16 144 47 Wisconsin 686 48 132 49
Mississippi 1,447 5 262 1 Wyoming 1,021 25 154 40
Missouri 1,199 17 181 22 United States $1,132   $190  
(1) Includes state funds and residual markets. (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: ©2017 National Association of Insurance Commissioners (NAIC). Reprinted with permission. Further reprint or distribution strictly prohibited without written permission of NAIC.