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Average Premiums For Homeowners And Renters Insurance By State, 2021 (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 1,610 12 222 3 Montana 1,471 15 154 31
Alaska 1,067 35 184 8 Nebraska 1,684 9 141 46
Arizona 917 46 160 25 Nevada 863 48 175 14
Arkansas 1,611 11 206 5 New Hampshire 1,090 34 145 42
California (5) 1,403 20 177 13 New Jersey 1,309 23 151 34
Colorado 1,802 6 159 27 New Mexico 1,229 30 175 14
Connecticut 1,651 10 171 18 New York 1,455 17 164 22
Delaware 988 44 144 44 North Carolina 1,192 33 164 22
D.C. 1,272 25 150 36 North Dakota 1,256 27 114 51
Florida 2,437 1 175 14 Ohio 920 45 160 25
Georgia 1,466 16 205 6 Oklahoma 2,155 3 221 4
Hawaii 1,299 24 172 17 Oregon 793 50 150 36
Idaho 884 47 146 40 Pennsylvania 1,014 40 147 39
Illinois 1,223 31 154 31 Rhode Island 1,900 5 178 12
Indiana 1,058 36 162 24 South Carolina 1,432 18 184 8
Iowa 1,043 37 135 47 South Dakota 1,270 26 117 50
Kansas 1,491 14 159 27 Tennessee 1,368 21 183 10
Kentucky 1,232 29 156 30 Texas (6) 2,146 4 204 7
Louisiana 2,259 2 243 2 Utah 831 49 145 42
Maine 996 42 146 40 Vermont 1,025 38 150 36
Maryland 1,238 28 152 33 Virginia 1,199 32 151 34
Massachusetts 1,712 8 168 21 Washington 1,001 41 159 27
Michigan 993 43 179 11 West Virginia 1,016 39 170 20
Minnesota 1,607 13 132 48 Wisconsin 780 51 127 49
Mississippi 1,766 7 258 1 Wyoming 1,432 18 142 45
Missouri 1,340 22 171 18 United States $1,411 $170

(1) Includes state funds, residual markets and some wind pools.
(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) Texas data were obtained from the Texas Department of Insurance.

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 premiums and does not endorse any conclusions drawn from this data.

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

Average Premiums For Homeowners And Renters Insurance By State, 2020 (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  $1,501  10 $225  4 Montana $1,347  16 $153  27
Alaska   989  37 186  9 Nebraska 1,586  8 143  33
Arizona   866  45 164  19 Nevada 824  46 179  14
Arkansas   1,498  11 210  7 New Hampshire 1,048  33 147  31
California (5) 1,241  23 171  18 New Jersey 1,277  21 154  26
Colorado   1,667  7 161  21 New Mexico 1,151  29 180  13
Connecticut   1,582  9 180  13 New York 1,356  15 173  16
Delaware 907  43 151  29 North Carolina 1,119  31 160  22
D.C. 1,229  25 159  23 North Dakota 1,230  24 116  38
Florida   2,165  1 182  11 Ohio 871  44 162  20
Georgia   1,403  14 212  6 Oklahoma 2,040  2 226  3
Hawaii   1,245  22 176  15 Oregon 735  50 154  26
Idaho   810  47 148  30 Pennsylvania 967  40 152  28
Illinois   1,144  30 157  25 Rhode Island 1,788  5 183  10
Indiana   1,021  34 164  19 South Carolina 1,327  17 186  9
Iowa   998  36 136  34 South Dakota 1,222  26 118  37
Kansas   1,478  13 162  20 Tennessee 1,296  20 187  8
Kentucky   1,174  27 157  25 Texas (6) 2,000  4 216  5
Louisiana   2,038  3 247  2 Utah 764  48 147  31
Maine   956  41 148  30 Vermont 984  38 151  29
Maryland   1,169  28 160  22 Virginia   1,107  32 152  28
Massachusetts   1,667  7 172  17 Washington 937  42 158  24
Michigan   1,002  35 181  12 West Virginia 974  39 179  14
Minnesota   1,481  12 134  35 Wisconsin 762  49 128  36
Mississippi   1,674  6 256  1 Wyoming 1,308  18 146  32
Missouri   1,301  19 172  17 United States $1,311    $173  

(1) Includes state funds, residual markets and some wind pools.
(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) Texas data were obtained from the Texas Department of Insurance.

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: ©2022 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, 2019 (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  $1,463 12 $219  5 Montana $1,287 19 $149  40
Alaska  962 38 182  14 Nebraska 1,564 9 144  46
Arizona  850 46 164  24 Nevada 791 48 179  19
Arkansas  1,456 13 208  7 New Hampshire 1,021 34 146  45
California (5) 1,177 28 175  20 New Jersey 1,237 23 156  35
Colorado  1,618 7 159  28 New Mexico 1,126 30 186  10
Connecticut  1,531 10 183  13 New York 1,357 16 185  11
Delaware 908 43 153  36 North Carolina 1,193 26 159  29
D.C. 1,275 20 158  30 North Dakota 1,236 24 115  51
Florida  1,988 3 180  18 Ohio 853 45 163  26
Georgia  1,362 15 209  6 Oklahoma 2,000 2 235  3
Hawaii  1,182 27 174  21 Oregon 727 51 158  31
Idaho  799 47 148  43 Pennsylvania 955 39 153  37
Illinois  1,054 33 157  32 Rhode Island 1,731 5 182  16
Indiana  983 36 164  25 South Carolina 1,303 17 182  17
Iowa  913 42 132  48 South Dakota 1,218 25 117  50
Kansas  1,519 11 167  23 Tennessee 1,259 21 189  8
Kentucky  1,172 29 162  27 Texas (6) 1,982 4 220  4
Louisiana  2,037 1 236  2 Utah 743 50 149  41
Maine  936 41 149  39 Vermont 947 40 151  38
Maryland  1,125 31 157  33 Virginia  1,080 32 149  42
Massachusetts  1,617 8 186  9 Washington 908 44 157  34
Michigan  999 35 182  15 West Virginia 968 37 185  12
Minnesota  1,433 14 135  47 Wisconsin 750 49 127  49
Mississippi  1,622 6 252  1 Wyoming 1,244 22 147  44
Missouri  1,299 18 173  22 United States $1,272    $174  

(1) Includes state funds, residual markets and some wind pools.
(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) Texas data were obtained from the Texas Department of Insurance.

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: ©2022 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, 2018 (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 $1,409 13 $222 5 Montana $1,237 22 $147 45
Alaska 984 36 175 22 Nebraska 1,569 9 149 42
Arizona  843 46 175 22 Nevada 776 48 182 18
Arkansas  1,419 12 211 7 New Hampshire 984 36 148 44
California (5) 1,073 31 178 21 New Jersey 1,209 24 160 32
Colorado  1,616 7 164 29 New Mexico 1,075 30 186 13
Connecticut  1,494 11 188 12 New York 1,321 16 189 10
Delaware 873 45 157 35 North Carolina 1,103 28 158 34
D.C. 1,264 21 157 35 North Dakota 1,293 18 126 51
Florida  1,960 2 185 14 Ohio 874 44 169 26
Georgia  1,313 17 214 6 Oklahoma 1,944 4 236 2
Hawaii  1,140 27 181 19 Oregon 706 51 161 30
Idaho  772 49 152 40 Pennsylvania 943 40 157 35
Illinois  1,103 28 166 27 Rhode Island 1,630 5 185 14
Indiana  1,030 33 172 24 South Carolina 1,284 19 184 17
Iowa  987 35 144 47 South Dakota 1,280 20 127 50
Kansas  1,617 6 172 24 Tennessee 1,232 23 195 8
Kentucky  1,152 26 166 27 Texas (6) 1,955 3 225 4
Louisiana  1,987 1 234 3 Utah 730 50 155 38
Maine  905 42 149 42 Vermont 935 41 153 39
Maryland  1,071 32 161 30 Virginia  1,026 34 152 40
Massachusetts  1,543 10 191 9 Washington 881 43 160 32
Michigan  981 38 185 14 West Virginia 970 39 189 10
Minnesota  1,400 14 140 49 Wisconsin 814 47 143 48
Mississippi  1,578 8 252 1 Wyoming 1,187 25 146 46
Missouri  1,383 15 179 20 United States $1,249   $179  

(1) Includes state funds, residual markets and some wind pools.
(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) Texas data were obtained from the Texas Department of Insurance.

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: © 2020 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, 2017 (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  $1,433 12 $235 3 Montana $1,174 24 $146 45
Alaska  959 37 166 28 Nebraska 1,481 10 143 47
Arizona  825 46 178 20 Nevada 755 48 178 20
Arkansas  1,373 13 212 7 New Hampshire 972 35 149 42
California (5) 1,008 32 182 17 New Jersey 1,192 23 165 29
Colorado  1,495 8 159 33 New Mexico 1,017 31 187 15
Connecticut  1,479 11 192 11 New York 1,309 15 194 9
Delaware 833 45 159 33 North Carolina 1,086 28 157 37
D.C. 1,235 20 158 35 North Dakota 1,253 19 120 51
Florida  1,951 2 188 12 Ohio 862 43 175 22
Georgia  1,267 18 219 6 Oklahoma 1,885 4 236 2
Hawaii  1,102 27 185 16 Oregon 677 51 163 30
Idaho  730 49 153 39 Pennsylvania 931 40 158 35
Illinois  1,056 29 167 27 Rhode Island 1,551 6 182 18
Indiana  1,000 33 174 23 South Carolina 1,269 17 188 12
Iowa  964 36 144 46 South Dakota 1,202 21 123 50
Kansas  1,584 5 172 25 Tennessee 1,196 22 199 8
Kentucky  1,109 26 168 26 Texas (6) 1,893 3 232 5
Louisiana  1,968 1 235 3 Utah 692 50 151 41
Maine  882 42 149 42 Vermont 918 41 155 38
Maryland  1,037 30 161 32 Virginia  999 34 152 40
Massachusetts  1,488 9 194 9 Washington 854 44 163 30
Michigan  942 38 182 18 West Virginia 940 39 188 12
Minnesota  1,348 14 140 48 Wisconsin 779 47 134 49
Mississippi  1,537 7 258 1 Wyoming 1,156 25 147 44
Missouri  1,285 16 173 24 United States $1,211   $180  

(1) Includes state funds, residual markets and some wind pools.
(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 and liability of tenants.
(5) Data provided by the California Department of Insurance.
(6) Texas data were obtained from the Texas Department of Insurance.

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: © 2019 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, 2016 (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  $1,386 12 $245 4 Montana $1,130 23 $145 44
Alaska  974 34 148 43 Nebraska 1,402 11 141 46
Arizona  803 46 181 19 Nevada 742 48 182 17
Arkansas  1,348 13 223 7 New Hampshire 965 36 154 37
California (5) 1,000 32 200 9 New Jersey 1,174 22 163 27
Colorado  1,446 10 156 36 New Mexico 996 33 198 10
Connecticut  1,455 8 196 14 New York 1,309 15 198 10
Delaware 816 45 159 30 North Carolina 1,098 26 157 33
D.C. 1,225 19 163 27 North Dakota 1,239 18 113 51
Florida  1,918 3 181 19 Ohio 850 43 182 17
Georgia  1,200 20 230 6 Oklahoma 1,875 4 247 3
Hawaii  1,026 29 154 37 Oregon 659 51 159 31
Idaho  703 49 150 41 Pennsylvania 927 39 157 33
Illinois  1,042 28 167 26 Rhode Island 1,496 7 180 22
Indiana  1,003 31 179 23 South Carolina 1,285 16 188 16
Iowa  945 38 141 46 South Dakota 1,125 24 114 50
Kansas  1,548 5 177 24 Tennessee 1,185 21 207 8
Kentucky  1,085 27 169 25 Texas (6) 1,937 2 241 5
Louisiana  1,967 1 252 2 Utah 664 50 141 46
Maine  866 42 151 39 Vermont 898 41 158 31
Maryland  1,022 30 161 29 Virginia  966 35 151 39
Massachusetts  1,451 9 198 10 Washington 822 44 157 33
Michigan  952 37 197 13 West Virginia 917 40 196 14
Minnesota  1,340 14 142 45 Wisconsin 762 47 132 49
Mississippi  1,525 6 275 1 Wyoming 1,120 25 150 41
Missouri  1,280 17 181 19 United States $1,192   $185  

(1) Includes state funds, residual markets and some wind pools.
(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 and liability 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: © 2018 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, 2015 (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 $1,358 12 $242 3 Montana $1,081 25 $147 45
Alaska 982 32 172 27 Nebraska 1,360 11 149 43
Arizona 810 45 191 17 Nevada 737 48 189 19
Arkansas 1,312 14 235 6 New Hampshire 941 36 150 42
California (5) 986 30 202 10 New Jersey 1,149 21 171 29
Colorado 1,383 9 166 31 New Mexico 982 32 191 17
Connecticut 1,411 8 201 12 New York 1,287 15 202 10
Delaware 780 46 156 35 North Carolina 1,075 26 154 39
D.C. 1,196 19 158 34 North Dakota 1,200 18 114 51
Florida 1,993 1 195 15 Ohio 819 43 185 21
Georgia 1,152 20 226 7 Oklahoma 1,879 4 242 3
Hawaii 1,014 29 201 12 Oregon 643 51 166 31
Idaho 692 49 155 37 Pennsylvania 913 38 156 35
Illinois 1,033 28 173 26 Rhode Island 1,446 7 179 24
Indiana 983 31 183 22 South Carolina 1,284 16 192 16
Iowa 919 37 146 47 South Dakota 1,096 23 121 50
Kansas 1,531 5 177 25 Tennessee 1,149 21 210 8
Kentucky 1,062 27 172 27 Texas (6) 1,991 2 241 5
Louisiana 1,945 3 249 2 Utah 673 50 149 43
Maine 843 42 147 45 Vermont 873 41 155 37
Maryland 982 32 161 33 Virginia 946 35 153 40
Massachusetts 1,379 10 196 14 Washington 811 44 169 30
Michigan 908 39 203 9 West Virginia 907 40 186 20
Minnesota 1,323 13 144 48 Wisconsin 750 47 132 49
Mississippi 1,508 6 262 1 Wyoming 1,088 24 153 40
Missouri 1,253 17 180 23 United States $1,173   $188  

(1) Includes state funds, residual markets and some wind pools.
(2) Based on the HO-3 homeowner package policy for owner-occupied dwellings, 1 to 4 family units. Provides all risk 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.

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.

Average Premiums For Homeowners And Renters Insurance By State, 2013 (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 $1,323 8 $245 4 Montana $938 29 $143 48
Alaska 980 25 168 28 Nebraska 1,151 16 149 41
Arizona 724 44 192 17 Nevada 687 46 191 18
Arkansas 1,183 14 212 9 New Hampshire 885 36 149 41
California (5) 966 26 203 13 New Jersey 1,058 21 163 31
Colorado 1,160 15 168 28 New Mexico 898 34 186 20
Connecticut 1,274 9 200 14 New York 1,213 13 209 10
Delaware 709 45 152 40 North Carolina 1,008 23 146 46
D.C. 1,150 17 158 33 North Dakota 1,078 20 113 51
Florida 2,115 1 208 11 Ohio 763 43 188 19
Georgia 1,044 22 226 6 Oklahoma 1,654 4 245 4
Hawaii 953 27 215 7 Oregon 568 50 163 31
Idaho 561 51 155 38 Pennsylvania 863 37 157 35
Illinois 938 29 172 26 Rhode Island 1,334 7 178 24
Indiana 887 35 183 21 South Carolina 1,214 12 195 16
Iowa 832 40 147 43 South Dakota 915 31 120 50
Kansas 1,343 6 176 25 Tennessee 1,090 19 213 8
Kentucky 981 24 170 27 Texas (6) 1,837 2 247 2
Louisiana 1,822 3 246 3 Utah 609 49 146 46
Maine 776 42 147 43 Vermont 814 41 153 39
Maryland 904 33 158 33 Virginia  911 32 156 36
Massachusetts 1,263 10 198 15 Washington 676 47 165 30
Michigan 839 39 204 12 West Virginia 844 38 179 22
Minnesota 1,222 11 147 43 Wisconsin 665 48 130 49
Mississippi 1,395 5 250 1 Wyoming 952 28 156 36
Missouri 1,143 18 179 22 United States $1,096   $188  

(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: © 2016 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, 2012 (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  $1,248 6 $239 3 Montana $871 29 $145 46
Alaska  942 25 161 33 Nebraska 1,040 17 150 41
Arizona  691 44 195 17 Nevada 674 46 193 18
Arkansas  1,096 15 215 9 New Hampshire 848 30 150 41
California (5) 980 22 207 12 New Jersey 981 21 166 31
Colorado  1,038 18 169 29 New Mexico 844 31 183 20
Connecticut  1,160 9 196 15 New York 1,158 10 211 11
Delaware 678 45 153 40 North Carolina 927 26 134 48
D.C. 1,103 14 164 32 North Dakota 1,038 18 115 51
Florida  2,084 1 217 8 Ohio 721 43 185 19
Georgia  975 23 226 6 Oklahoma 1,501 4 234 4
Hawaii  957 24 221 7 Oregon 567 50 168 30
Idaho  538 51 157 36 Pennsylvania 804 36 156 37
Illinois  881 28 171 27 Rhode Island 1,233 7 182 21
Indiana  840 33 182 21 South Carolina 1,134 13 196 15
Iowa  779 40 147 45 South Dakota 789 38 118 50
Kansas  1,213 8 174 25 Tennessee 1,008 20 212 10
Kentucky  916 27 171 27 Texas (6) 1,661 3 228 5
Louisiana  1,742 2 242 2 Utah 580 49 145 46
Maine  741 42 149 43 Vermont 782 39 154 39
Maryland  837 34 160 34 Virginia  843 32 158 35
Massachusetts  1,150 11 206 14 Washington 648 47 173 26
Michigan  802 37 207 12 West Virginia 771 41 176 24
Minnesota  1,140 12 149 43 Wisconsin 631 48 130 49
Mississippi  1,314 5 244 1 Wyoming 821 35 156 37
Missouri  1,091 16 182 21 United States $1,034   $187  

(1) See previous chart for state funds and residual markets included.
(2) Based on the HO-3 homeowner package policy for owner-occupied dwellings, one-to four-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: © 2015 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, 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 (3)
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
Delaware 664 44 159 32 North Carolina  869 25 132 42
D.C. 1,083 12 167 29 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) See previous chart for state funds and residual markets included.
(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, 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.

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, 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, 2022 (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 $1,748 13 $219 3 Montana $1,639 17 $156 31
Alaska 1,129 38 186 9 Nebraska 1,869 9 144 45
Arizona 1,018 45 163 25 Nevada 948 49 174 16
Arkansas 1,740 14 205 5 New Hampshire 1,188 36 150 40
California (5) 1,492 23 169 22 New Jersey 1,417 26 151 37
Colorado 2,079 5 158 30 New Mexico 1,322 33 177 14
Connecticut 1,814 10 175 15 New York 1,628 18 169 22
Delaware 1,103 42 147 41 North Carolina 1,621 19 170 21
D.C. 1,384 28 153 35 North Dakota 1,325 32 123 51
Florida 2,677 1 181 11 Ohio 995 47 160 27
Georgia 1,655 16 205 5 Oklahoma 2,268 4 216 4
Hawaii 1,431 25 174 16 Oregon 893 51 155 32
Idaho 1,002 46 147 41 Pennsylvania 1,120 39 151 37
Illinois 1,343 30 151 37 Rhode Island 2,074 6 181 11
Indiana 1,191 35 168 24 South Carolina 1,571 22 186 9
Iowa 1,268 34 144 45 South Dakota 1,756 12 129 50
Kansas 1,583 21 159 28 Tennessee 1,492 23 187 8
Kentucky 1,359 29 159 28 Texas (6) 2,397 3 199 7
Louisiana 2,603 2 243 2 Utah 937 50 145 43
Maine 1,077 43 145 43 Vermont 1,109 41 154 34
Maryland 1,392 27 155 32 Virginia 1,332 31 152 36
Massachusetts 1,871 8 173 18 Washington 1,151 37 162 26
Michigan 1,056 44 180 13 West Virginia 1,113 40 173 18
Minnesota 1,774 11 135 49 Wisconsin 957 48 141 48
Mississippi 1,907 7 262 1 Wyoming 1,596 20 142 47
Missouri 1,668 15 173 18 United States $1,569 $171

(1) Includes state funds, residual markets and some wind pools.
(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) Texas data were obtained from the Texas Department of Insurance.

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 premiums and does not endorse any conclusions drawn from this data.

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

AVERAGE PREMIUMS FOR HOMEOWNERS AND RENTERS INSURANCE, BY STATE, 2006

 

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  $894 10 $223 6 Montana  $666 32 $160 31
Alaska  850 15 182 19 Nebraska  783 19 148 36
Arizona  640 38 207 12 Nevada  693 28 205 13
Arkansas  802 17 217 8 New Hampshire  669 31 157 33
California (4) 937 7 244 4 New Jersey  726 22 179 20
Colorado  813 16 169 24 New Mexico  638 39 200 15
Connecticut  878 11 197 16 New York  869 12 220 7
Delaware  530 45 159 32 North Carolina  649 35 144 39
D.C. 1,012 5 185 18 North Dakota  742 21 119 44
Florida  1,386 2 201 14 Ohio  530 45 163 28
Georgia  703 27 215 9 Oklahoma  1,018 4 230 5
Hawaii  776 20 213 10 Oregon  502 46 162 29
Idaho  477 49 153 35 Pennsylvania  643 37 148 36
Illinois  674 30 168 25 Rhode Island  919 9 189 17
Indiana  638 39 173 22 South Carolina  851 14 189 17
Iowa  596 43 132 41 South Dakota  628 41 120 43
Kansas  866 13 170 23 Tennessee  706 26 208 11
Kentucky  637 40 161 30 Texas (5) 1,409 1 261 1
Louisiana  1,257 3 245 3 Utah  494 47 139 40
Maine  573 44 145 38 Vermont  677 29 160 31
Maryland  721 23 160 31 Virginia  662 33 147 37
Massachusetts  925 8 223 6 Washington  603 42 170 23
Michigan  715 24 164 27 West Virginia  650 34 177 21
Minnesota  788 18 139 40 Wisconsin  490 48 122 42
Mississippi  998 6 252 2 Wyoming  648 36 155 34
Missouri  707 25 166 26 United States $804   $189  

(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) 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.