AVERAGE HOMEOWNERS INSURANCE PREMIUMS RANKED BY STATE, 2013 (1)
Rank (2) State Average premium Rank (2) State Average premium
1 Florida $2,115 27 Hawaii $953
2 Texas (3) 1,837 28 Wyoming 952
3 Louisiana 1,822 29 Illinois 938
4 Oklahoma 1,654 29 Montana 938
5 Mississippi 1,395 31 South Dakota 915
6 Kansas 1,343 32 Virginia  911
7 Rhode Island 1,334 33 Maryland 904
8 Alabama 1,323 34 New Mexico 898
9 Connecticut 1,274 35 Indiana 887
10 Massachusetts 1,263 36 New Hampshire 885
11 Minnesota 1,222 37 Pennsylvania 863
12 South Carolina 1,214 38 West Virginia 844
13 New York 1,213 39 Michigan 839
14 Arkansas 1,183 40 Iowa 832
15 Colorado  1,160 41 Vermont 814
16 Nebraska 1,151 42 Maine 776
17 D.C. 1,150 43 Ohio 763
18 Missouri 1,143 44 Arizona  724
19 Tennessee 1,090 45 Delaware 709
20 North Dakota 1,078 46 Nevada 687
21 New Jersey 1,058 47 Washington 676
22 Georgia 1,044 48 Wisconsin 665
23 North Carolina 1,008 49 Utah 609
24 Kentucky 981 50 Oregon 568
25 Alaska 980 51 Idaho 561
26 California (4) 966      
(1) Includes policies written by Florida Citizens Property Insurance Corp. and Louisiana Citizens Property Insurance Corp., Alabama Insurance Underwriting Association, Massachusetts Property Insurance Underwriting Association, Michigan Basic Property Insurance Association, Mississippi Windstorm Underwriting Association and Residential Property Insurance Underwriting Association, New Jersey Insurance Underwriting Association, North Carolina Joint Underwriting Association, Ohio Fair Plan Underwriting Association, Rhode Island Joint Reinsurance 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) States with the same premium receive the same rank. (3) 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. (4) 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: © 2016 National Association of Insurance Commissioners (NAIC). Reprinted with permission. Further reprint or distribution strictly prohibited without written permission of NAIC.