AVERAGE HOMEOWNERS INSURANCE PREMIUMS RANKED BY STATE, 2011 (1)
Rank State Average premium Rank State Average premium
1 Florida $1,933 26 Kentucky $839
2 Louisiana 1,672 27 Illinois 822
3 Texas (2) 1,578 28 Montana 818
4 Mississippi 1,409 29 New Hampshire 811
5 Oklahoma 1,386 30 Maryland 800
6 Alabama 1,163 31 New Mexico 793
7 Rhode Island 1,139 32 Virginia  782
8 Kansas 1,103 33 Indiana 779
9 New York 1,097 34 Michigan 774
10 Connecticut 1,096 35 Wyoming 770
11 South Carolina 1,091 36 Vermont 748
12 D.C. 1,083 37 Pennsylvania 744
13 Massachusetts 1,072 38 West Virginia 743
14 Minnesota 1,056 39 South Dakota 721
15 Arkansas 1,029 40 Maine 714
16 Missouri 1,022 41 Iowa 713
17 North Dakota 969 42 Nevada 689
18 California (3) 967 43 Arizona  675
19 Colorado  961 44 Delaware 664
20 Nebraska 958 45 Ohio 644
21 Alaska 924 46 Washington 626
22 New Jersey 915 47 Wisconsin 592
22 Tennessee 915 48 Utah 563
23 Hawaii 907 49 Oregon 559
24 Georgia 906 50 Idaho 518
25 North Carolina 869      
(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. 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) 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. (3) Data provided by the California 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: ©2013 National Association of Insurance Commissioners (NAIC). Reprinted with permission. Further reprint or distribution strictly prohibited without written permission of NAIC.