Most “average homeowners insurance rate” tables have the same problem. They give you one number, and that number is quietly wrong for you.
We pulled the actual regulator filings and three of the biggest rate studies published this year, put them side by side, and found they disagree — sometimes wildly. In Florida, the three studies range from $2,691 to $8,471 a year for the same state. That is a 3.15x gap.
So instead of picking a winner, we are showing you all of it.
Key takeaways
- What people actually paid in 2022 averaged $1,492 a year across the states, based on premiums insurers reported to regulators.
- What you would be quoted today runs about $2,602 — roughly 1.74x the 2022 figure.
- Nebraska is the priciest state right now at $5,513; Hawaii is the cheapest at $801.
- Kansas has moved the most, from $1,583 in 2022 to about $5,289 today — a 3.34x jump.
- The studies agree almost perfectly in New Jersey and barely at all in Florida. Where they disagree, your own coverage choices matter more.
Homeowners insurance rates by state
Four things per state, so you can see where the number comes from:
- Actually paid (2022) — premiums insurers reported to state regulators. Real money on real policies, every coverage level included. It is the most trustworthy figure here, and also the oldest.
- Typical quote today — the midpoint of three 2026 rate studies.
- Range across sources — how far apart those studies are. A high number means the price swings a lot with your deductible and coverage.
- Today vs 2022 — how far the quotes have moved.
| State | Actually paid (2022) | Typical quote today | Range across sources | Today vs 2022 |
|---|---|---|---|---|
| Alabama | $1,748 | $3,716 | 1.32x | 2.13x |
| Alaska | $1,129 | $1,385 | 1.10x | 1.23x |
| Arizona | $1,018 | $2,397 | 1.53x | 2.35x |
| Arkansas | $1,740 | $3,538 | 1.55x | 2.03x |
| California | $1,492 | $1,653 | 1.29x | 1.11x |
| Colorado | $2,079 | $4,310 | 1.41x | 2.07x |
| Connecticut | $1,814 | $2,135 | 1.10x | 1.18x |
| Delaware | $1,103 | $1,365 | 1.25x | 1.24x |
| District of Columbia | $1,384 | $1,558 | 1.41x | 1.13x |
| Florida | $2,677 | $2,845 | 3.15x | 1.06x |
| Georgia | $1,655 | $2,640 | 1.40x | 1.60x |
| Hawaii | $1,431 | $801 | 1.22x | 0.56x |
| Idaho | $1,002 | $2,195 | 1.37x | 2.19x |
| Illinois | $1,343 | $2,802 | 1.19x | 2.09x |
| Indiana | $1,191 | $2,869 | 1.13x | 2.41x |
| Iowa | $1,268 | $3,148 | 1.20x | 2.48x |
| Kansas | $1,583 | $5,289 | 1.33x | 3.34x |
| Kentucky | $1,359 | $3,795 | 1.42x | 2.79x |
| Louisiana | $2,603 | $2,542 | 2.57x | 0.98x |
| Maine | $1,077 | $1,299 | 1.19x | 1.21x |
| Maryland | $1,392 | $2,242 | 1.12x | 1.61x |
| Massachusetts | $1,871 | $1,645 | 1.29x | 0.88x |
| Michigan | $1,056 | $2,415 | 1.37x | 2.29x |
| Minnesota | $1,774 | $3,333 | 1.30x | 1.88x |
| Mississippi | $1,907 | $2,800 | 1.71x | 1.47x |
| Missouri | $1,668 | $3,783 | 1.44x | 2.27x |
| Montana | $1,639 | $3,221 | 1.37x | 1.97x |
| Nebraska | $1,869 | $5,513 | 1.21x | 2.95x |
| Nevada | $948 | $1,635 | 1.15x | 1.72x |
| New Hampshire | $1,188 | $1,324 | 1.46x | 1.11x |
| New Jersey | $1,417 | $1,449 | 1.02x | 1.02x |
| New Mexico | $1,322 | $2,922 | 1.25x | 2.21x |
| New York | $1,628 | $1,710 | 1.33x | 1.05x |
| North Carolina | $1,621 | $3,025 | 1.48x | 1.87x |
| North Dakota | $1,325 | $2,846 | 1.43x | 2.15x |
| Ohio | $995 | $2,080 | 1.05x | 2.09x |
| Oklahoma | $2,268 | $5,378 | 1.37x | 2.37x |
| Oregon | $893 | $1,647 | 1.26x | 1.84x |
| Pennsylvania | $1,120 | $1,712 | 1.20x | 1.53x |
| Rhode Island | $2,074 | $2,230 | 1.14x | 1.08x |
| South Carolina | $1,571 | $3,102 | 1.12x | 1.97x |
| South Dakota | $1,756 | $3,740 | 1.22x | 2.13x |
| Tennessee | $1,492 | $3,408 | 1.32x | 2.28x |
| Texas | $2,397 | $4,582 | 1.24x | 1.91x |
| Utah | $937 | $1,771 | 1.09x | 1.89x |
| Vermont | $1,109 | $1,017 | 1.27x | 0.92x |
| Virginia | $1,332 | $2,265 | 1.28x | 1.70x |
| Washington | $1,151 | $1,766 | 1.21x | 1.53x |
| West Virginia | $1,113 | $1,961 | 1.29x | 1.76x |
| Wisconsin | $957 | $1,836 | 1.30x | 1.92x |
| Wyoming | $1,596 | $2,075 | 1.16x | 1.30x |
Where the studies disagree, and why that matters to you
A wide range is not sloppy data. It is a signal.
Take Florida. One study models a policy with a 2% hurricane deductible and lands at $8,471. Another models a flat $1,000 deductible and lands at $2,691. Same state, same year, same underlying rate data. The difference is almost entirely the deductible.
Now look at New Jersey: $1,449, $1,449, and $1,480. Three studies, three different assumed policies, and they land within 2% of each other.
The practical read: in a wide-range state, shopping your deductible and coverage limits is where the money is. In a tight-range state there is less room to move, so you are mostly shopping carriers.
What each study assumed
The numbers above come from these three, and the policy each one models is the reason they differ:
- Insurance.com — $300k dwelling / $300k liability / $1,000 deductible + 2% hurricane, rates as of 2026-08, data from Quadrant Information Services.
- LendingTree — $350k dwelling / $100k liability / $1,000 deductible, rates as of 2026-02, data from Quadrant Information Services.
- NerdWallet — $400k dwelling / $300k liability / $1,000 deductible, rates as of 2026-05, data from Quadrant Information Services.
Here is every state at every source, if you want to check our work:
| State | Insurance.com $300k dwelling / $300k liability / $1,000 deductible + 2% hurricane |
LendingTree $350k dwelling / $100k liability / $1,000 deductible |
NerdWallet $400k dwelling / $300k liability / $1,000 deductible |
|---|---|---|---|
| Alabama | $3,716 | $3,254 | $4,285 |
| Alaska | $1,492 | $1,361 | $1,385 |
| Arizona | $2,397 | $2,225 | $3,415 |
| Arkansas | $3,195 | $3,538 | $4,955 |
| California | $1,653 | $1,413 | $1,820 |
| Colorado | $5,511 | $4,310 | $3,910 |
| Connecticut | $2,132 | $2,346 | $2,135 |
| Delaware | $1,461 | $1,165 | $1,365 |
| District of Columbia | $1,558 | $1,166 | $1,645 |
| Florida | $8,471 | $2,691 | $2,845 |
| Georgia | $2,301 | $2,640 | $3,225 |
| Hawaii | $738 | $801 | $900 |
| Idaho | $2,412 | $1,759 | $2,195 |
| Illinois | $2,802 | $2,731 | $3,240 |
| Indiana | $2,869 | $2,639 | $2,985 |
| Iowa | $3,148 | $3,136 | $3,765 |
| Kansas | $5,289 | $4,095 | $5,455 |
| Kentucky | $4,471 | $3,158 | $3,795 |
| Louisiana | $5,185 | $2,542 | $2,020 |
| Maine | $1,299 | $1,280 | $1,525 |
| Maryland | $2,242 | $2,124 | $2,375 |
| Massachusetts | $2,112 | $1,635 | $1,645 |
| Michigan | $3,071 | $2,246 | $2,415 |
| Minnesota | $3,333 | $2,774 | $3,615 |
| Mississippi | $2,602 | $2,800 | $4,445 |
| Missouri | $3,783 | $2,641 | $3,805 |
| Montana | $3,221 | $2,754 | $3,765 |
| Nebraska | $5,513 | $4,956 | $6,015 |
| Nevada | $1,876 | $1,633 | $1,635 |
| New Hampshire | $1,324 | $1,028 | $1,500 |
| New Jersey | $1,449 | $1,449 | $1,480 |
| New Mexico | $3,497 | $2,922 | $2,800 |
| New York | $1,844 | $1,387 | $1,710 |
| North Carolina | $3,799 | $2,566 | $3,025 |
| North Dakota | $2,846 | $2,460 | $3,510 |
| Ohio | $2,109 | $2,015 | $2,080 |
| Oklahoma | $5,378 | $5,298 | $7,255 |
| Oregon | $1,647 | $1,353 | $1,705 |
| Pennsylvania | $1,434 | $1,712 | $1,720 |
| Rhode Island | $2,379 | $2,096 | $2,230 |
| South Carolina | $2,870 | $3,102 | $3,205 |
| South Dakota | $3,740 | $3,258 | $3,965 |
| Tennessee | $3,198 | $3,408 | $4,220 |
| Texas | $4,582 | $3,969 | $4,915 |
| Utah | $1,771 | $1,656 | $1,810 |
| Vermont | $1,017 | $924 | $1,170 |
| Virginia | $1,939 | $2,481 | $2,265 |
| Washington | $1,766 | $1,560 | $1,880 |
| West Virginia | $1,961 | $1,917 | $2,465 |
| Wisconsin | $1,836 | $1,679 | $2,175 |
| Wyoming | $2,075 | $2,101 | $1,805 |
Why 2022 is the newest “actually paid” number
The National Association of Insurance Commissioners collects what insurers actually charged, state by state, and publishes it. The reporting lag is real: its most recent per-state release covers 2022.
The NAIC did publish a newer market study in August 2026 covering 2018 through 2024, and it confirms the direction. Average premium per policy rose in every region since 2018, with inflation-adjusted increases between 18.3% and 43.3%. But that report works by region, not by state, so it cannot give you a per-state figure.
That is the honest picture. The regulator data is trustworthy and old, the 2026 studies are current and modeled. Read them together, which is what the table does.
How to actually lower your number
- Raise your deductible before you shop carriers. In the wide-range states above, this single lever moves the price more than switching companies does.
- Check what your dwelling coverage is set to. These studies model $300,000 to $400,000. If yours is set well above your rebuild cost, you are paying for coverage you cannot collect.
- Re-shop after any roof, wiring, or plumbing work. Those change your risk profile and rarely get reflected unless you tell someone.
- Bundle only if the combined number wins. It often does. It is not automatic.
Compare homeowners insurance quotes to see what your own profile prices at, because that is the only number that ends up on your bill.
Methodology
We combined two kinds of data on purpose.
The 2022 baseline is from the NAIC’s Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance report, HO-3 policy form, read directly from its published tables.
The typical quote today is the median of the three 2026 studies listed above. We used the median rather than the average so a single unusual profile cannot drag a state’s figure, which is exactly what would happen in Florida.
We looked at other studies and left two out. One published a state table we could not confirm was the coverage level it claimed — it priced about 14% below another study at supposedly identical coverage. Another turned out to republish the same figures as a study already included, so counting it would have faked a fourth opinion. Both decisions are recorded in our source ledger.
Note: These are averages and non-binding estimates drawn from published studies and regulator filings, not quotes. Your own rate depends on your home, your history, and the coverage you choose.