AVERAGE HOMEOWNERS INSURANCE PREMIUMS BY STATE, 2010 (1)
Rank State Average premium Rank State Average premium
1 Texas $1,560 26 New Hampshire $791
2 Louisiana 1,546 27 Maryland 784
3 Florida 1,544 28 Montana 783
4 Oklahoma 1,246 29 Kentucky 776
5 Mississippi 1,217 30 New Mexico 774
6 Rhode Island 1,092 31 North Carolina 757
7 Kansas 1,066 32 Virginia  753
8 D.C. 1,065 33 Indiana 748
9 Connecticut 1,052 33 Wyoming 748
10 Alabama 1,050 34 Michigan 743
10 Massachusetts 1,050 35 Vermont 730
11 New York 1,044 36 Pennsylvania 716
12 South Carolina 997 37 West Virginia 699
13 Arkansas 984 38 Nevada 696
14 Minnesota 981 39 Iowa 679
15 Missouri 970 40 South Dakota 678
16 California  939 41 Maine 676
17 Hawaii 938 42 Arizona  666
18 Colorado  926 43 Delaware 636
19 Alaska 903 44 Ohio 614
20 Nebraska 901 45 Washington 595
21 North Dakota 895 46 Wisconsin 563
22 New Jersey 867 47 Utah 558
23 Tennessee 852 48 Oregon 535
24 Georgia 833 49 Idaho 500
25 Illinois 793      

(1) 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.