Home insurance rates by state for May 2025

Several factors impact home insurance rates, such as square footage, claims history, age of the dwelling, ZIP code, age of the roof and more. Aside from California, Maryland and Massachusetts, where it is prohibited, your credit history may also be a rating factor that can increase or decrease your home insurance premium. The dwelling amount needed to insure your home, as well as any optional coverage types you choose, can all play a role in determining your final premium amount.

You may be able to find a cheaper rate for your coverage by shopping around and asking for quotes from a range of insurers. Since each company uses its own methods for determining rates, you are likely to end up with a handful of different prices, and can then pick the most affordable one. From there, pay attention to discounts — many of which are easy to earn and can save you significantly on your premium. You may be able to save money, for example, by purchasing your home insurance from the same company that insures your vehicle, called bundling. If you live in an area at risk of natural disasters, you may also be able to save by installing damage mitigation features like hurricane shutters or a reinforced garage door.

Lastly, avoiding small claims and paying them yourself rather than having your insurer cover them may mean your premium will not increase because you have filed too many claims.

The most expensive states for home insurance tend to be those in areas prone to natural disasters and extreme weather. Currently, Nebraska, Florida, Oklahoma, Kansas and Louisiana have some of the most expensive average rates, with Nebraska topping the list with an average rate of $6,097.

Homeowners insurance rates by state vary significantly across the U.S., influenced by factors such as local climate and weather patterns, crime rates and the cost of living. Generally, states with lower risks of natural disasters and lower property values tend to have more affordable home insurance rates. According to our research, Vermont, Delaware and Utah offer some of the cheapest average home insurance premiums. Hawaii also has very low average rates, but wind is excluded as a covered peril in this state, so homeowners see higher rates after adding wind and flood coverage.