Condo Insurance Rates By State

Find the best condo insurance rates by state in America and discover if condo insurance is required in your state.

By Licensed Agent:  Sa El  PublishedMay 15, 2025 UpdatedDecember 22, 2025

Not having  condo insurance when you need it can be expensive and with the average condo insurance rates by state being around $35 per month nationally; the really isn't a reason to go without coverage.

The good news is that we have included links to all 50 state-specific reviews for condo insurance in this blog post and will take you through some helpful tips on getting HO6 insurance.

You will also learn which companies have the best condo insurance quotes in your state.

What's The Average Cost Of Condo Insurance?

The average cost of condo insurance is around $420 per year; however; keep in mind that rates will vary based on your specific situation. Rates for condo insurance are based on multiple factors. 

THE SIMPLY INSURANCE WAY

Condo Insurance made easy!

Agents Available To Assist.

Get quotes and sign up online or get help from a licensed agent, we are here if you need us.

Unbiased, expert advice.

Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.

Coverage in minutes.

You can get condo insurance within minutes of getting your quotes and applying.

What's The Average Cost Of Condo Insurance Per Month?

The average monthly cost of condo insurance is around $35; however; keep in mind that rates will vary based on your specific situation. Rates for condo insurance are based on multiple factors. 

Average Condominium Insurance Rates By State

STATE

AVERAGE MONTHLY PREMIUM

STATE

AVERAGE MONTHLY PREMIUM

Alabama

$45

Montana

$32

Alaska

$33

Nebraska

$30

Arizona

$33

Nevada

$35

Arkansas

$45

New Hampshire

$28

California

$45

New Jersey

$38

Colorado

$35

New Mexico

$33

Connecticut

$33

New York

$46

Delaware

$36

North Carolina

$38

District Of Columbia

$31

North Dakota

$27

Florida

$80

Ohio

$27

Georgia

$41

Oklahoma

$53

Hawaii

$26

Oregon

$30

Idaho

$35

Pennsylvania

$32

Illinois

$33

Rhode Island

$42

Indiana

$30

South Carolina

$42

Iowa

$25

South Dakota

$26

Kansas

$37

Tennessee

$39

Kentucky

$33

Texas

$66

Louisiana

$62

Utah

$22

Maine

$29

Vermont

$29

Maryland

$26

Virginia

$29

Massachusetts

$37

Washington

$31

Michigan

$31

West Virginia

$26

Minnesota

$26

Wisconsin

$23

Mississippi

$50

Wyoming

$32

Missouri

$35

NATIONAL

$35

Note: Average rates are based on non-binding estimates provided by data from the National Association of Insurance Commissioners (NAIC), your rates may vary.

CONDO INSURANCE WHERE YOU LIVE

Condo insurance by state.

Condo Insurance protects you and your family from financial ruin due to unexpected loss.

Get Condo Insurance today - select your state to get started

[map-condo-insurance]

About the author 

Sa El

Sa El is the Co-Founder of Simply Insurance and a licensed Insurance Agent with over 16 years of experience in the industry. He specializes in Life & Health Insurance and is certified in Long Term Care Insurance in the state of Georgia. a licensed real estate agent in the state of Georgia (License #382602), an entrepreneur, insurance educator, and freelance writer.