What does this home insurance ranking show?

It orders states by Home insurance / yr. It is a comparison of this one published measure, not an overall ranking of where to live.

Where do these figures come from?

Insurance.com supplies this measure. States without a comparable published value are shown as not ranked rather than estimated.

How should I use this ranking?

Use it to narrow a search, then open a state or county profile for the underlying figures, source dates and caveats. A statewide number may not describe every neighbourhood.

Rankings · Housing

Lowest home insurance by state

Home insurance / yr.

$300k dwelling, $1k deductible, 2026

How to read this ranking

Hawaii has the lowest published home insurance in this comparison, at $659. The next states shown are Vermont ($1,063) and New Hampshire ($1,300).

The table orders 51 states by home insurance / yr. It describes one published measure, not an overall judgment about where to live.

Use the result as a starting point, then compare the underlying source, dates, and local county figures before making a decision. $300k dwelling, $1k deductible, 2026

1Hawaii$659
2Vermont$1,063
3New Hampshire$1,300
4Maine$1,335
5Delaware$1,374
6Alaska$1,397
7New Jersey$1,421
8Massachusetts$1,483
9Pennsylvania$1,529
10Oregon$1,572
11California$1,616
12District of Columbia$1,656
13New York$1,683
14Washington$1,753
15Nevada$1,774
16Wisconsin$1,812
17Utah$1,814
18West Virginia$1,860
19Connecticut$1,905
20Maryland$1,918
21Virginia$2,074
22Wyoming$2,075
23Ohio$2,118
24Idaho$2,240
25Georgia$2,323
26Arizona$2,344
27Rhode Island$2,445
28Mississippi$2,529
29Illinois$2,643
30Minnesota$2,729
31New Mexico$2,869
32Indiana$2,887
33Iowa$2,902
34Michigan$2,924
35Tennessee$2,958
36South Carolina$2,974
37North Dakota$2,982
38North Carolina$3,124
39Montana$3,215
40Alabama$3,633
41Arkansas$3,733
42South Dakota$3,760
43Missouri$3,979
44Kentucky$4,042
45Texas$4,085
46Nebraska$4,553
47Colorado$4,963
48Oklahoma$5,010
49Kansas$5,260
50Louisiana$5,986
51Florida$7,136

Related housing rankings

Use this in a move shortlist

These guides combine this measure with other clearly named inputs; they are not overall state verdicts.

Frequently asked questions

What does this ranking show?: It orders states by Home insurance / yr. It is one measure, not an overall verdict on where to live.
Where do the figures come from?: Insurance.com. States without a comparable published figure are listed as not ranked rather than estimated.
How should I use it?: Use it to narrow your search, then open a state or county profile for the source date, caveats and local context.

Put this map on your own site

Free to use. The chart names its source and links back, so it stays honest wherever it ends up.

<iframe src="https://movermath.com/embed/home-insurance" width="100%" height="420" style="border:0" loading="lazy" title="Home insurance / yr by state"></iframe>

Source: Insurance.com. · How this is built

Loading MoverMath…