Average Homeowners Insurance Premiums Ranked By State, 2015 (1)
Rank (2) State Average premium Rank (2) State Average premium
1 Florida $1,993 27 Kentucky $1,062
2 Texas 1,991 28 Illinois 1,033
3 Louisiana 1,945 29 Hawaii 1,014
4 Oklahoma 1,879 30 California  986
5 Kansas 1,531 31 Indiana 983
6 Mississippi 1,508 32 Alaska 982
7 Rhode Island 1,446 32 Maryland 982
8 Connecticut 1,411 32 New Mexico 982
9 Colorado  1,383 35 Virginia  946
10 Massachusetts 1,379 36 New Hampshire 941
11 Nebraska 1,360 37 Iowa 919
12 Alabama 1,358 38 Pennsylvania 913
13 Minnesota 1,323 39 Michigan 908
14 Arkansas 1,312 40 West Virginia 907
15 New York 1,287 41 Vermont 873
16 South Carolina 1,284 42 Maine 843
17 Missouri 1,253 43 Ohio 819
18 North Dakota 1,200 44 Washington 811
19 District Of Columbia 1,196 45 Arizona  810
20 Georgia 1,152 46 Delaware 780
21 New Jersey 1,149 47 Wisconsin 750
21 Tennessee 1,149 48 Nevada 737
23 South Dakota 1,096 49 Idaho 692
24 Wyoming 1,088 50 Utah 673
25 Montana 1,081 51 Oregon 643
26 North Carolina 1,075      
(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, and Virginia Property Insurance 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: © 2017 National Association of Insurance Commissioners (NAIC). Reprinted with permission. Further reprint or distribution strictly prohibited without written permission of NAIC.