Data for 2023
Louisiana homeowners paid $3,027 a year on average for insurance in 2023, the most of any state
About this number
Homeowners insurance cost $1,737 a year on average in the U.S. in 2023, according to the National Association of Insurance Commissioners (NAIC), the national group of state insurance regulators. Louisiana was highest, at $3,027, and Wisconsin lowest, at $923.
Renters paid $173 a year on average, and condo owners paid $658. These are averages across all the policies insurers reported, not prices you can buy. A quote depends on your home, your coverage and your deductible.
Which states have the most expensive homeowners insurance?
Louisiana had the highest average homeowners insurance premium in 2023, at $3,027 a year. Texas ($2,864) and Florida ($2,779) came next. Wisconsin had the lowest, at $923, followed by Oregon and Nevada. A year of coverage in Louisiana cost three times as much as in Wisconsin.
In all, 19 of the 50 states and D.C. were above the U.S. average of $1,737.
The three costliest states carried more of the bill than their share of homes. Louisiana, Texas and Florida had 13.9% of the homes insured on the standard homeowners policy, but 22.7% of the premiums, by our calculation from NAIC’s tables.
On the map, darker states had higher averages. Tap or hover on a state for its figure and rank.
Louisiana, Texas and Florida had the highest homeowners insurance costs
Average annual homeowners (HO-3) premium per insured home, by state, dollars, 2023.
Average homeowners (HO-3) premium, by state · 2023
The table has every state, with renters and condo averages beside homeowners. Select a column heading to sort by it.
| 1 | Louisiana | $3,027 | $250 | $992 |
| 2 | Texas | $2,864 | $201 | $999 |
| 3 | Florida | $2,779 | $186 | $1,146 |
| 4 | Colorado | $2,492 | $166 | $657 |
| 5 | Oklahoma | $2,486 | $220 | $752 |
| 6 | Rhode Island | $2,396 | $184 | $607 |
| 7 | Nebraska | $2,142 | $146 | $442 |
| 8 | Massachusetts | $2,134 | $180 | $537 |
| 9 | Connecticut | $2,036 | $177 | $459 |
| 10 | Mississippi | $2,029 | $263 | $764 |
| 11 | Minnesota | $1,988 | $137 | $468 |
| 12 | Alabama | $1,906 | $219 | $751 |
| 13 | Arkansas | $1,870 | $208 | $697 |
| 14 | Wyoming | $1,853 | $141 | $596 |
| 15 | North Carolina | $1,852 | $174 | $637 |
| 16 | Georgia | $1,828 | $206 | $748 |
| 17 | New York | $1,801 | $176 | $781 |
| 18 | Montana | $1,768 | $163 | $642 |
| 19 | South Carolina | $1,753 | $187 | $628 |
| 20 | Kansas | $1,733 | $163 | $433 |
| 21 | California | $1,655 | $171 | $722 |
| 22 | Tennessee | $1,649 | $189 | $592 |
| 23 | South Dakota | $1,614 | $125 | $380 |
| 24 | Missouri | $1,589 | $173 | $474 |
| 25 | Maryland | $1,578 | $162 | $468 |
| 26 | New Jersey | $1,551 | $151 | $521 |
| 27 | Hawaii | $1,549 | $178 | $465 |
| 28 | Washington, D.C. | $1,545 | $155 | $504 |
| 29 | Virginia | $1,537 | $158 | $539 |
| 30 | Kentucky | $1,525 | $160 | $481 |
| 31 | New Mexico | $1,490 | $177 | $521 |
| 32 | Illinois | $1,480 | $155 | $522 |
| 33 | North Dakota | $1,414 | $127 | $338 |
| 34 | Iowa | $1,342 | $142 | $367 |
| 35 | New Hampshire | $1,300 | $153 | $421 |
| 36 | Indiana | $1,259 | $167 | $431 |
| 37 | Washington | $1,232 | $165 | $512 |
| 38 | Pennsylvania | $1,217 | $153 | $474 |
| 39 | Alaska | $1,216 | $193 | $521 |
| 40 | Vermont | $1,215 | $155 | $413 |
| 41 | Delaware | $1,196 | $146 | $544 |
| 42 | Arizona | $1,194 | $166 | $603 |
| 43 | West Virginia | $1,179 | $172 | $375 |
| 44 | Maine | $1,150 | $146 | $437 |
| 45 | Idaho | $1,135 | $152 | $570 |
| 46 | Ohio | $1,116 | $163 | $386 |
| 47 | Michigan | $1,110 | $178 | $413 |
| 48 | Utah | $1,107 | $148 | $379 |
| 49 | Nevada | $1,013 | $174 | $531 |
| 50 | Oregon | $1,003 | $160 | $483 |
| 51 | Wisconsin | $923 | $133 | $331 |
Average written premium per house-year: one home insured for 12 months. U.S. averages: homeowners $1,737, renters $173, condo $658. Ranked by the homeowners average.
Source: NAIC, Homeowners Insurance Report: Data for 2023 (July 2026) Download data (CSV)
How much does renters insurance cost by state?
Renters insurance cost $173 a year on average in 2023, or about $14 a month. Mississippi renters paid the most, $263 a year, then Louisiana ($250) and Oklahoma ($220). South Dakota renters paid the least, $125.
The renters ranking doesn’t follow the homeowners one. Nebraska had the 7th-highest homeowners average but was tied for 43rd of 51 for renters. A renters policy covers belongings and liability, not the building, so the cost of repairing or rebuilding a house isn’t part of it.
The chart shows the ten states where renters paid the most, against the U.S. average.
Mississippi renters paid the most for insurance in 2023
Average annual renters (HO-4) premium, the 10 highest states, dollars, 2023.
Every state’s renters average is below, with its homeowners rank beside it.
| 1 | Mississippi | $263 | 10th |
| 2 | Louisiana | $250 | 1st |
| 3 | Oklahoma | $220 | 5th |
| 4 | Alabama | $219 | 12th |
| 5 | Arkansas | $208 | 13th |
| 6 | Georgia | $206 | 16th |
| 7 | Texas | $201 | 2nd |
| 8 | Alaska | $193 | 39th |
| 9 | Tennessee | $189 | 22nd |
| 10 | South Carolina | $187 | 19th |
| 11 | Florida | $186 | 3rd |
| 12 | Rhode Island | $184 | 6th |
| 13 | Massachusetts | $180 | 8th |
| T-14 | Hawaii | $178 | 27th |
| T-14 | Michigan | $178 | 47th |
| T-16 | Connecticut | $177 | 9th |
| T-16 | New Mexico | $177 | 31st |
| 18 | New York | $176 | 17th |
| T-19 | Nevada | $174 | 49th |
| T-19 | North Carolina | $174 | 15th |
| 21 | Missouri | $173 | 24th |
| 22 | West Virginia | $172 | 43rd |
| 23 | California | $171 | 21st |
| 24 | Indiana | $167 | 36th |
| T-25 | Arizona | $166 | 42nd |
| T-25 | Colorado | $166 | 4th |
| 27 | Washington | $165 | 37th |
| T-28 | Kansas | $163 | 20th |
| T-28 | Montana | $163 | 18th |
| T-28 | Ohio | $163 | 46th |
| 31 | Maryland | $162 | 25th |
| T-32 | Kentucky | $160 | 30th |
| T-32 | Oregon | $160 | 50th |
| 34 | Virginia | $158 | 29th |
| T-35 | Washington, D.C. | $155 | 28th |
| T-35 | Illinois | $155 | 32nd |
| T-35 | Vermont | $155 | 40th |
| T-38 | New Hampshire | $153 | 35th |
| T-38 | Pennsylvania | $153 | 38th |
| 40 | Idaho | $152 | 45th |
| 41 | New Jersey | $151 | 26th |
| 42 | Utah | $148 | 48th |
| T-43 | Delaware | $146 | 41st |
| T-43 | Maine | $146 | 44th |
| T-43 | Nebraska | $146 | 7th |
| 46 | Iowa | $142 | 34th |
| 47 | Wyoming | $141 | 14th |
| 48 | Minnesota | $137 | 11th |
| 49 | Wisconsin | $133 | 51st |
| 50 | North Dakota | $127 | 33rd |
| 51 | South Dakota | $125 | 23rd |
Average written premium per house-year. U.S. average: $173. Tied states share a rank (T).
Source: NAIC, Homeowners Insurance Report: Data for 2023 (July 2026) Download data (CSV)
To see how fast the price of the same renters’ insurance policy is changing, read our tenants’ and household insurance price index page, which tracks it every month.
How much does condo insurance cost?
Condo owners paid $658 a year on average in 2023. A condo policy, called HO-6, covers the owner’s belongings and liability, plus certain parts of the building the owner has a stake in. It doesn’t cover the building as a whole, the way a homeowners policy covers a house.
Florida had the highest condo average, $1,146, then Texas ($999) and Louisiana ($992). Wisconsin had the lowest, $331. Every state’s condo average is in the table above.
What do homeowners say they pay?
The Census Bureau asks homeowners what they pay for home insurance each year. In 2024, half of the homeowners who paid for it said they paid less than $1,500 a year. The average was $1,911. These figures are a year newer than NAIC’s.
Florida owners reported paying the most: half paid more than $2,500. Louisiana ($2,400) and Colorado ($2,300) came next. Owners in Delaware, Maine, Nevada, Pennsylvania, Vermont and West Virginia reported the least, a typical $1,000 a year.
About one in eight homeowners, 12.9%, said they paid nothing for home insurance. Most of them own their home outright, with no mortgage that requires a policy. In Florida, the share was higher: 18.4%. The figures above count only owners who reported paying something.
Why the two measures differ
NAIC’s figure is an average across the HO-3 policies insurers wrote. The Census figure is what owners remember paying, for any kind of home and any policy, often rounded to the nearest hundred dollars. The two measure different things, so the gap between them isn’t a price change.
The table has every state. Select a column heading to sort by it.
| Florida | $2,500 | $3,148 | 18.4 |
|---|---|---|---|
| Louisiana | $2,400 | $2,936 | 20.2 |
| Colorado | $2,300 | $2,641 | 8.4 |
| Oklahoma | $2,200 | $2,476 | 16.9 |
| Texas | $2,200 | $2,656 | 16.5 |
| Nebraska | $2,100 | $2,405 | 11.2 |
| Kansas | $2,000 | $2,239 | 13 |
| Minnesota | $1,900 | $2,135 | 11.1 |
| Rhode Island | $1,800 | $2,144 | 11.6 |
| Massachusetts | $1,700 | $2,028 | 10.1 |
| Mississippi | $1,700 | $1,979 | 18.9 |
| South Dakota | $1,700 | $1,973 | 16.1 |
| Connecticut | $1,600 | $2,165 | 10.8 |
| Missouri | $1,600 | $1,895 | 12 |
| Montana | $1,600 | $1,952 | 14 |
| Wyoming | $1,600 | $2,024 | 13.2 |
| Alabama | $1,500 | $1,826 | 17.2 |
| Arkansas | $1,500 | $1,752 | 15.7 |
| California | $1,500 | $2,036 | 10.2 |
| Georgia | $1,500 | $1,869 | 12.7 |
| Hawaii | $1,500 | $1,995 | 11.2 |
| Iowa | $1,500 | $1,714 | 12.7 |
| North Dakota | $1,500 | $1,769 | 16.3 |
| Kentucky | $1,400 | $1,653 | 15.8 |
| Maryland | $1,400 | $1,739 | 9.8 |
| Tennessee | $1,400 | $1,647 | 13 |
| Alaska | $1,300 | $1,695 | 18.8 |
| Illinois | $1,300 | $1,661 | 10.2 |
| Indiana | $1,300 | $1,525 | 12.7 |
| New Jersey | $1,300 | $1,719 | 10.3 |
| North Carolina | $1,300 | $1,612 | 12.3 |
| South Carolina | $1,300 | $1,751 | 14 |
| Arizona | $1,200 | $1,416 | 13.4 |
| New Hampshire | $1,200 | $1,382 | 9.3 |
| New Mexico | $1,200 | $1,612 | 21.6 |
| New York | $1,200 | $1,799 | 11.2 |
| Ohio | $1,200 | $1,372 | 11.4 |
| Virginia | $1,200 | $1,604 | 10.2 |
| Washington | $1,200 | $1,620 | 9.7 |
| Washington, D.C. | $1,200 | $1,730 | 10.1 |
| Idaho | $1,100 | $1,365 | 10.7 |
| Michigan | $1,100 | $1,337 | 13.8 |
| Oregon | $1,100 | $1,417 | 8.3 |
| Utah | $1,100 | $1,406 | 9.4 |
| Wisconsin | $1,100 | $1,317 | 12.1 |
| Delaware | $1,000 | $1,258 | 12.3 |
| Maine | $1,000 | $1,297 | 12.5 |
| Nevada | $1,000 | $1,297 | 11.6 |
| Pennsylvania | $1,000 | $1,320 | 10.8 |
| Vermont | $1,000 | $1,290 | 9.5 |
| West Virginia | $1,000 | $1,129 | 19.4 |
U.S. owners: median $1,500, average $1,911, 12.9% said they paid nothing. Listed by median paid. The download has each state’s standard errors, which give the margin of error.
Source: U.S. Census Bureau, 2024 American Community Survey, 1-year public use microdata; calculations by American Default Research. Medians and averages count owners who reported paying something. Download data (CSV)
What does the average premium measure?
An average across policies, not a price
NAIC adds up the premiums insurers wrote in a state and divides by the number of house-years they covered. A house-year is one home insured for 12 months. Four policies that each ran three months also count as one house-year.
Because the average blends every policy, it mixes large and small homes, high and low deductibles, and different amounts of coverage. It isn’t a quote. NAIC’s report calls the average premium an imperfect measure of price, because hazards, local economies and home values differ so much from state to state.
Which policies are counted
Homeowners figures on this page are for the HO-3 policy, the most common kind. It covers the house against every risk the policy doesn’t exclude, and flood is one it excludes. HO-4 is renters insurance, and HO-6 is for condo and co-op owners.
Texas and California figures come from those states’ insurance departments. The rest come from the companies that collect premium data from insurers. State-run insurers of last resort are included where they report, and NAIC notes that some smaller data collectors don’t report to it.
Why other figures you’ve seen differ
The U.S. Treasury published premiums per policy by ZIP code for 2018 to 2022; our home insurance tracker shows them for any ZIP code. The price index for tenants’ and household insurance follows how the price of the same policy changes each month. For home prices and mortgage costs, see our housing affordability statistics. The Census Bureau also asks owners what they pay, and its figures are a year newer; see What do homeowners say they pay?.
Questions about homeowners insurance costs
What is the average cost of homeowners insurance in the U.S.?
$1,737 a year in 2023, or about $145 a month, for the standard HO-3 homeowners policy, according to the National Association of Insurance Commissioners. It’s an average across all the policies insurers reported, not a quote.
Which state has the most expensive homeowners insurance?
Louisiana, at $3,027 a year on average in 2023. Texas and Florida were next.
Which state has the cheapest homeowners insurance?
Wisconsin, at $923 a year on average in 2023.
How much is renters insurance a month?
About $14 a month on average in 2023 ($173 a year). By state, the average ran from $125 a year in South Dakota to $263 in Mississippi.
Does homeowners insurance cover floods?
No. The standard HO-3 policy excludes flood damage. Flood insurance is a separate policy, so it isn’t in these averages.
Why are the latest figures from 2023?
NAIC collects a full year of premiums from insurers and state insurance departments before it publishes. Its report with 2023 figures came out in July 2026.
Sources and method
- Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner's Insurance Report: Data for 2023 Published by the National Association of Insurance Commissioners in July 2026. Averages are the Total rows of Table 4 (HO-3 column) and Table 5 (HO-4 and HO-6 columns), Total rows, for every state, D.C. and the country as a whole. Credit: NAIC, Homeowners Insurance Report: Data for 2023 (July 2026). NAIC report (PDF)
- What homeowners pay for insurance, by state U.S. Census Bureau, American Community Survey 2024 1-year public use microdata, calculations by American Default Research, 2024. ACS public use microdata
- Our calculation The share of homes and premiums in the three costliest states adds their HO-3 house-years and written premium from NAIC’s Table 4 and divides by the countrywide totals. Ranks are ours, from NAIC’s whole-dollar averages; equal averages share a rank.
- Treasury premiums by ZIP code The U.S. Treasury’s Federal Insurance Office published premiums per policy by ZIP code for 2018 to 2022, for the private insurers it studied. It is a different measure from NAIC’s state averages, so the two aren’t combined here. Home insurance costs by ZIP code
- Price change for the same policy The U.S. Bureau of Labor Statistics consumer price index for tenants’ and household insurance follows the price of an unchanged policy each month. It measures price change, not the average bill. Tenants’ and household insurance price index
We write with assistance from AI tools. Figures come from the data and sources named on this page.