US states with the cheapest home insurance costs

In this article, you will learn about the US states with the cheapest home insurance costs. But first things first. What is the average home insurance cost in the United States?


According to data examined by the Insurance Information Institute(III), the average cost of home insurance for all homeowners in the United States is $1,249 per year.

The price of homeowners insurance varies significantly by state as well, with Oregonians paying an average of $706 and Louisianans spending an average of $1,987.

Continue reading to learn what you need to know if you’re shopping around for a homeowners insurance policy.


The typical yearly premium in the country is $1,211, or around $101 per month. However, a variety of factors will affect how much your house insurance will cost.

Examples consist of: Location, amount of protection, rates of neighborhood crime and fire prevention measures. It also includes the age, materials, and state of the house, amount of the deductible, the credit score and the claims history of the homeowner.

It’s a good idea to shop around and compare prices from several insurers before you decide on a policy if you’re in the market for homeowners insurance because you’re purchasing a home or you just want to ensure you’re getting the best price.

Recommended: Find out the cost of home insurance now

Which states in the US have the cheapest home insurance costs?

The top 10 US states with the cheapest annual premiums for home insurance, according to the III, are:

  • $706 in Oregon(OR)
  • $730 in Utah(UT)
  • $772 in Idaho(ID)
  • $776 in Nevada(NV)
  • $814 in Wisconsin(WI)
  • $843 in Arizona(AZ)
  • $873 Delaware(DE)
  • $874 in Ohio(OH)
  • $881 in Washington(WA)
  • $905 in Maine(ME)

Recommended: Are you covered with home insurance in emergency situations?

Which states in the US have the most expensive home insurance costS?

The top 10 US states with the most expensive annual premiums for home insurance are as follows:

  • $1,987 in Louisiana(LA)
  • $1,960 in Florida(FL)
  • $1,955 in Texas(TX)
  • $1,944 in Oklahoma(OK)
  • $1,630 in Rhode Island(RI)
  • $1,617 in Kansas(KS)
  • $1,616 in Colorado(CO)
  • $1,578 in Mississippi(MS)
  • $1,569 in Nebraska(NE)
  • $1,543 in Massachusetts(MA)

If you want to know how to lower your home insurance premium whether or not you are in the most expensive state, check here.


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