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.