by Sa El

April 12, 2024

Homeowners in all states across America are starting to realize how expensive homeowners insurance can be.

With the average homeowners insurance quote being around $109 per month, you need to do your due diligence before making any decisions as a homeowner.

homeowners insurance rates by state

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

You can also learn which companies have the best homeowners insurance quotes in your state. 

Average Homeowners Insurance Rates By State

STATE

AVERAGE MONTHLY PREMIUM

STATE

AVERAGE MONTHLY PREMIUM

Alabama

$159

Montana

$149

Alaska

$101

Nebraska

$192

Arizona

$103

Nevada

$83

Arkansas

$178

New Hampshire

$90

California

$95

New Jersey

$106

Colorado

$172

New Mexico

$136

Connecticut

$125

New York

$124

Delaware

$84

North Carolina

$120

D.C.

$105

North Dakota

$148

Florida

$197

Ohio

$105

Georgia

$140

Oklahoma

$253

Hawaii

$69

Oregon

$79

Idaho

$90

Pennsylvania

$94

Illinois

$121

Rhode Island

$142

Indiana

$119

South Carolina

$137

Iowa

$122

South Dakota

$162

Kansas

$209

Tennessee

$145

Kentucky

$148

Texas

$196

Louisiana

$198

Utah

$74

Maine

$98

Vermont

$80

Maryland

$105

Virginia

$106

Massachusetts

$135

Washington

$89

Michigan

$115

West Virginia

$117

Minnesota

$163

Wisconsin

$89

Mississippi

$178

Wyoming

$115

Missouri

$156

Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

About the author 

Sa El