Rankings · Housing

Lowest home insurance by state

Home insurance / yr.

$300k dwelling, $1k deductible, 2026

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