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Homeowners Insurance Premiums by State

Compare historical premiums on the same policy form and coverage basis.

NAIC 2023 policy premiums · published 2026 · Source snapshot 2026-10-01

Published policy and coverage

Compare the same form and dwelling-coverage band.

Saved example · 51 source places. Interactive controls load automatically.

Homeowners Insurance Premiums by StatePublished average annual premium: $809 to $2,846. States are shaded. Exact values follow in the table.Homeowners Insurance Premiums by State2023Alabama: $1,858Alaska: $979Arizona: $1,019Colorado: $1,991Florida: $2,424Georgia: $1,600Indiana: $1,220Kansas: $1,697Maine: $981Massachusetts: $1,409Minnesota: $1,669New Jersey: $1,181North Carolina: $1,665North Dakota: $1,311Oklahoma: $2,538Pennsylvania: $1,059South Dakota: $1,463Texas: $2,479Wyoming: $1,703Connecticut: $1,452Missouri: $1,455West Virginia: $1,202Illinois: $1,255New Mexico: $1,381Arkansas: $1,896California: $1,024Delaware: $988District of Columbia: $1,088Hawaii: $913Iowa: $1,319Kentucky: $1,494Maryland: $1,268Michigan: $1,010Mississippi: $2,083Montana: $1,588New Hampshire: $1,052New York: $1,051Ohio: $1,062Oregon: $848Tennessee: $1,515Utah: $889Virginia: $1,272Washington: $957Wisconsin: $842American SamoaGuamCommonwealth of the Northern Mariana IslandsNebraska: $2,096South Carolina: $1,488Puerto RicoUnited States Virgin IslandsIdaho: $933Nevada: $809Vermont: $979Louisiana: $2,846Rhode Island: $1,755Published average annual premium$809 to $2,846State geography · gray = unavailable · MapifyStats

51 plotted places. Exact values and identifiers are available in the table and download.

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Selected place

North Carolina · NC

$1,665

Published average annual premium · 2023

Geography identifier: NC

Policy form
ho3
Dwelling-coverage band
$300,000–$324,999
2023 average annual premium
$1,665
Annual premium / 12
$138.75

Comparison

Georgia · GA

$1,600

Published average annual premium · 2023

Geography identifier: GA

Policy form
ho3
Dwelling-coverage band
$300,000–$324,999
2023 average annual premium
$1,600
Annual premium / 12
$133.33

Magnitude comparison; negative values are labeled and shown in red.

North Carolina · NC$1,665

Georgia · GA$1,600

Compare places

51 source places. Select a place name to inspect its details.

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Published average annual premium · 2023 · 51 source places
ALAL$1,858
AKAK$979
AZAZ$1,019
ARAR$1,896
CACA$1,024
COCO$1,991
CTCT$1,452
DEDE$988
DCDC$1,088
FLFL$2,424
GAGA$1,600
HIHI$913
IDID$933
ILIL$1,255
ININ$1,220
IAIA$1,319
KSKS$1,697
KYKY$1,494
LALA$2,846
MEME$981
MDMD$1,268
MAMA$1,409
MIMI$1,010
MNMN$1,669
MSMS$2,083
MOMO$1,455
MTMT$1,588
NENE$2,096
NVNV$809
NHNH$1,052
NJNJ$1,181
NMNM$1,381
NYNY$1,051
NCNC$1,665
NDND$1,311
OHOH$1,062
OKOK$2,538
OROR$848
PAPA$1,059
RIRI$1,755
SCSC$1,488
SDSD$1,463
TNTN$1,515
TXTX$2,479
UTUT$889
VTVT$979
VAVA$1,272
WAWA$957
WVWV$1,202
WIWI$842
WYWY$1,703

How to read this comparison

NAIC Table 4 reports 2023 average annual homeowners premiums. Choose one policy form and the same dwelling-coverage band for both states. Monthly equivalents divide the published annual average by 12; they do not describe insurer billing schedules.

HO-3 and HO-5 are separate policy forms. Coverage amount refers to dwelling coverage rather than a home market-value estimate. All coverage amounts pools policies of different sizes and should not be treated as a matched coverage comparison. Missing or suppressed cells remain unavailable. Historical averages are not current quotes; deductibles, exclusions, property characteristics and insurer mix differ. Source: NAIC Homeowners Insurance Report, 2023 data, published 2026.

Sources and reproducibility

Retrieved 2026-10-01. Original-download and archived-extract SHA-256 checksums and selection rules are preserved in the source manifest. Published missing or suppressed observations remain unavailable.

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