Home Warranty Rates By State In America

Find the best home warranty rates by state.

By Licensed Agent:  Sa El  PublishedMay 21, 2025 UpdatedAugust 3, 2025

Homeowners across the U.S. are starting to realize how expensive it can be to go without some form of warranty for your home

And with the national average premium being around $25 to $50 per month, it's an easy to afford coverage with a ton of upside if you ever need it. The good news is that we will included links to all 50 state-specific reviews for home warranties in this blog post. We will also take you through some helpful tips on getting a home warranty plan.

Average Home Warranty Rates By State In America

STATE

AVERAGE ANNUAL PREMIUM

STATE

AVERAGE ANNUAL PREMIUM

Alabama

$59

Montana

$59

Alaska

$57

Nebraska

$45

Arizona

$49

Nevada

$57

Arkansas

$56

New Hampshire

$59

California

$53

New Jersey

$56

Colorado

$56

New Mexico

$60

Connecticut

$59

New York

$59

Delaware

$59

North Carolina

$56

District Of Columbia

$60

North Dakota

$59

Florida

$49

Ohio

$59

Georgia

$56

Oklahoma

$59

Hawaii

$59

Oregon

$59

Idaho

$47

Pennsylvania

$56

Illinois

$57

Rhode Island

$59

Indiana

$59

South Carolina

$59

Iowa

$41

South Dakota

$59

Kansas

$59

Tennessee

$59

Kentucky

$56

Texas

$49

Louisiana

$62

Utah

$59

Maine

$44

Vermont

$59

Maryland

$56

Virginia

$61

Massachusetts

$59

Washington

$52

Michigan

$56

West Virginia

$59

Minnesota

$59

Wisconsin

$56

Mississippi

$59

Wyoming

$51

Missouri

$59

 

 

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.