---
title: "Disability Insurance Rates by State"
canonical: "https://www.simplyinsurance.com/disability-insurance-rates-by-state/"
description: "For most people, the average cost of disability insurance is between $250 and $500 per year."
silo: "disability"
published: "2026-05-31"
updated: "2026-07-19"
author: "sa-el"
source: "Simply Insurance"
---
For most people, **the average cost of disability insurance is between $250 and $500 per year**. However, the cost of disability insurance varies depending on a number of factors, including your age, occupation, and health.

While this may seem like a lot of money, it is important to remember that the cost of living does not decrease when someone becomes disabled, making [Disability Insurance Reviews](https://www.simplyinsurance.com/disability-insurance-reviews/) worth considering.

In fact, the costs of medical care and other necessary expenses often increase. As a result, [Compare Disability Insurance Quotes Online](https://www.simplyinsurance.com/compare-disability-insurance-quotes-online/) can be an invaluable financial safety net for people who are unable to work.

## Average Disability Insurance Rates by State

STATE | AVERAGE ANNUAL PREMIUM | STATE | AVERAGE ANNUAL PREMIUM
--- | --- | --- | ---
Alabama | $0 | Montana | $0
Alaska | $0 | Nebraska | $0
Arizona | $0 | Nevada | $0
Arkansas | $0 | New Hampshire | $0
California | $0 | New Jersey | $0
Colorado | $0 | New Mexico | $0
Con necticut | $0 | New York | $0
Delaware | $0 | North Carolina | $0
District Of Columbia | $0 | North Dakota | $0
Florida | $0 | Ohio | $0
Georgia | $0 | Oklahoma | $0
Hawaii | $0 | Oregon | $0
Idaho | $0 | Pennsylvania | $0
Illinois | $0 | Rhode Island | $0
Indiana | $0 | South Carolina | $0
Iowa | $0 | South Dakota | $0
Kansas | $0 | Tennessee | $0
Kentucky | $0 | Texas | $0
Louisiana | $0 | Utah | $0
Maine | $0 | Vermont | $0
Maryland | $0 | Virginia | $0
Massachusetts | $0 | Washington | $0
Michigan | $0 | West Virginia | $0
Minnesota | $0 | Wisconsin | $0
Mississippi | $0 | Wyoming | $0
Missouri | $0 |  |