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.