Average home insurance rates by state
The average cost of home insurance in the U.S. is $2,601 annually, or $217 monthly for $300,000 in dwelling coverage, but these rates vary based on where you live. Understanding the national average and the average homeowners insurance rates by state could be useful when comparing home insurance quotes. It provides a baseline estimate of the rates other states pay for their coverage.
Homeowners in states with many natural disasters, such as hurricanes, hail stormsandtornadoes, tend to have the highest home insurance rates.
See the homeowners insurance rates by state chart below for averages based on a coverage level of $300,000 for dwelling and liability coverage and a $1,000 deductible.
Map
Table
State | Average annual rates for $200,000 in dwelling coverage | Average annual rates for $300,000 in dwelling coverage | Average annual rates for $400,000 in dwelling coverage | Average annual rates for $600,000 in dwelling coverage | Average annual rates for $1,000,000 in dwelling coverage |
---|---|---|---|---|---|
Alabama | $2,391 | $3,147 | $3,798 | $5,144 | $7,056 |
Alaska | $1,355 | $1,708 | $2,064 | $2,779 | $4,098 |
Arizona | $1,906 | $2,490 | $3,063 | $4,086 | $5,161 |
Arkansas | $3,328 | $3,958 | $4,675 | $6,099 | $7,768 |
California | $1,043 | $1,405 | $1,772 | $2,598 | $4,266 |
Colorado | $3,169 | $4,099 | $4,662 | $5,542 | $7,384 |
Connecticut | $1,750 | $2,231 | $2,707 | $3,641 | $4,762 |
Delaware | $1,078 | $1,384 | $1,729 | $2,474 | $3,406 |
Florida* | $3,773 | $4,419 | $4,984 | $5,854 | $6,574 |
Georgia | $1,760 | $2,302 | $2,881 | $4,006 | $5,743 |
Hawaii | $461 | $613 | $791 | $1,154 | $1,831 |
Idaho | $1,476 | $1,961 | $2,449 | $3,427 | $5,288 |
Illinois | $2,423 | $3,062 | $3,587 | $4,390 | $5,752 |
Indiana | $2,313 | $2,991 | $3,620 | $4,451 | $5,749 |
Iowa | $2,022 | $2,654 | $3,230 | $4,388 | $6,267 |
Kansas | $3,638 | $4,843 | $5,688 | $6,798 | $8,310 |
Kentucky | $2,486 | $3,326 | $4,153 | $5,182 | $6,452 |
Louisiana | $2,822 | $3,594 | $4,409 | $5,277 | $5,979 |
Maine | $1,021 | $1,391 | $1,741 | $2,510 | $3,972 |
Maryland | $1,318 | $1,715 | $2,131 | $3,028 | $4,700 |
Massachusetts | $1,303 | $1,640 | $1,998 | $2,746 | $4,168 |
Michigan | $1,825 | $2,411 | $2,956 | $3,564 | $4,680 |
Minnesota | $1,828 | $2,420 | $2,999 | $4,308 | $5,991 |
Mississippi | $2,646 | $3,380 | $3,941 | $4,700 | $6,039 |
Missouri | $2,638 | $3,543 | $4,114 | $4,956 | $6,641 |
Montana | $2,523 | $3,289 | $3,831 | $4,271 | $5,825 |
Nebraska | $3,809 | $4,800 | $5,904 | $7,365 | $8,451 |
Nevada | $1,093 | $1,467 | $1,853 | $2,707 | $4,135 |
New Hampshire | $948 | $1,221 | $1,488 | $2,032 | $3,064 |
New Jersey | $1,171 | $1,526 | $1,894 | $2,619 | $3,915 |
New Mexico | $1,829 | $2,647 | $3,489 | $4,529 | $5,908 |
New York | $1,340 | $1,816 | $2,349 | $3,276 | $4,904 |
North Carolina | $2,141 | $2,941 | $3,398 | $4,375 | $6,031 |
North Dakota | $2,431 | $3,147 | $3,898 | $4,682 | $6,991 |
Ohio | $1,805 | $2,160 | $2,613 | $3,265 | $4,301 |
Oklahoma | $4,442 | $5,858 | $7,012 | $8,426 | $8,865 |
Oregon | $1,347 | $1,755 | $2,185 | $3,016 | $4,108 |
Pennsylvania | $1,475 | $1,911 | $2,130 | $2,902 | $3,908 |
Rhode Island | $1,505 | $1,950 | $2,381 | $3,327 | $5,235 |
South Carolina | $2,061 | $2,678 | $3,219 | $4,319 | $5,765 |
South Dakota | $2,607 | $3,390 | $3,970 | $5,353 | $7,420 |
Tennessee | $2,369 | $3,060 | $3,737 | $4,873 | $6,573 |
Texas | $2,951 | $3,851 | $4,643 | $5,602 | $6,799 |
Utah | $1,416 | $1,802 | $2,161 | $2,876 | $4,201 |
Vermont | $974 | $1,263 | $1,555 | $2,147 | $3,269 |
Virginia | $1,645 | $2,151 | $2,694 | $3,430 | $4,314 |
Washington | $1,260 | $1,612 | $2,017 | $2,801 | $4,314 |
Washington, D.C. | $984 | $1,342 | $1,703 | $2,384 | $3,699 |
West Virginia | $1,465 | $1,911 | $2,354 | $3,271 | $5,041 |
Wisconsin | $1,274 | $1,662 | $2,038 | $2,711 | $4,091 |
Wyoming | $1,351 | $1,897 | $2,490 | $3,703 | $5,597 |
*Some state rates will vary based on the addition of a hurricane deductible and may be much higher when included.
States with the highest home insurance rates
Oklahoma, Kansas, Nebraska, Florida, and Colorado are the most expensive states for homeowners insurance. Oklahoma has the highest average cost of homeowners insurance at $5,858 per year.
Below, you'll see the top five most expensive states for homeowners insurance. These states are prone to severe storms, including tornadoes and hail, causing an increase in home insurance costs.
Rank | State | Average rate |
---|---|---|
1 | Oklahoma | $5,858 |
2 | Kansas | $4,843 |
3 | Nebraska | $4,800 |
4 | Florida | $4,419 |
5 | Colorado | $4,099 |
Data refreshed as of May 2024
Read our full methodology
States with the lowest home insurance rates
Hawaii and California have some of the lowest homeowners insurance rates. Hawaii, in particular, is the least expensive state for homeowners insurance, with an average rate of $613. Below are the top five least expensive states for homeowners insurance.
Rank | State | Average rate |
---|---|---|
1 | Hawaii | $613 |
2 | New Hampshire | $1,221 |
3 | Vermont | $1,263 |
4 | Washington, D.C. | $1,342 |
5 | Delaware | $1,384 |
Data refreshed as of May 2024
Read our full methodology
Why is home insurance so cheap in some states?
States have different rules regarding what a standard home insurance policy includes. Exclusions or separate deductibles for wind storms are common and greatly impact the average rate. Standard home insurance policies in Hawaii exclude damage from hurricanes, which is why home insurance is so cheap in Hawaii.
And, of course, the risks differ by state; a state with a much lower risk of a major disaster will have lower rates.
Average home insurance rates by ZIP code
ZIP code also affects home insurance rates. Our home insurance calculator lets you get a home insurance estimate for your ZIP code at various coverage levels. You'll see the average rate and the highest and lowest from major carriers for your ZIP.
Comparing homeowners insurance rates is the quickest path to cheaper rates. Choosing a higher deductible, making sure you get all the discounts that you can and avoiding filing small claims can also ensure you get the cheapest home insurance.
Home insurance calculator
Average home insurance rates in Texas
Most & least expensive ZIP codes for homeowners insurance in Texas
Most expensive
ZIP Code | City | Highest Rate |
---|---|---|
77550 | Galveston | $10,164 |
77586 | El Lago | $9,906 |
77551 | Galveston | $9,536 |
77554 | Galveston | $9,358 |
Least expensive
ZIP Code | City | Lowest Rate |
---|---|---|
78559 | Iglesia Antigua | $1,956 |
78593 | Santa Rosa | $1,999 |
79915 | El Paso | $2,008 |
79905 | El Paso | $2,009 |
Data refreshed as of May 2024
Read our full methodology
Average homeowners insurance rates by coverage level in each state
Homeowners insurance costs vary based on where you live and the coverage you choose. In the sections below, we look at several different coverage levels. The dwelling coverage is the replacement cost amount of the house and has the biggest impact on rates.
All of these rates have a $1,000 deductible and $300,000 in personal liability.
Homeowners insurance on a $200k home
Homeowners in Oklahoma pay the highest insurance rates for a policy with $200,000 in dwelling coverage. In comparison, the cost of home insurance is the lowest in Hawaii, at $461 a year for the same coverage limits.
Below, you'll see how much homeowners is on a $200,000 home in each state
State | Average rate | $ more or less than national average ($2,005) | % difference from national average ($2,005) |
---|---|---|---|
Alaska | $1,355 | $650 less | 32% |
Alabama | $2,391 | $386 more | 19% |
Arkansas | $3,328 | $1,323 more | 66% |
Arizona | $1,906 | $99 less | 5% |
California | $1,043 | $962 less | 48% |
Colorado | $3,169 | $1,164 more | 58% |
Connecticut | $1,750 | $255 less | 13% |
Washington, D.C. | $984 | $1,021 less | 51% |
Delaware | $1,078 | $927 less | 46% |
Florida | $3,773 | $1,768 more | 88% |
Georgia | $1,760 | $245 less | 12% |
Hawaii | $461 | $1,544 less | 77% |
Iowa | $2,022 | $17 more | 1% |
Idaho | $1,476 | $529 less | 26% |
Illinois | $2,423 | $418 more | 21% |
Indiana | $2,313 | $308 more | 15% |
Kansas | $3,638 | $1,633 more | 81% |
Kentucky | $2,486 | $481 more | 24% |
Louisiana | $2,822 | $817 more | 41% |
Massachusetts | $1,303 | $702 less | 35% |
Maryland | $1,318 | $687 less | 34% |
Maine | $1,021 | $984 less | 49% |
Michigan | $1,825 | $180 less | 9% |
Minnesota | $1,828 | $177 less | 9% |
Missouri | $2,638 | $633 more | 32% |
Mississippi | $2,646 | $641 more | 32% |
Montana | $2,523 | $518 more | 26% |
North Carolina | $2,141 | $136 more | 7% |
North Dakota | $2,431 | $426 more | 21% |
Nebraska | $3,809 | $1,804 more | 90% |
New Hampshire | $948 | $1,057 less | 53% |
New Jersey | $1,171 | $834 less | 42% |
New Mexico | $1,829 | $176 less | 9% |
Nevada | $1,093 | $912 less | 45% |
New York | $1,340 | $665 less | 33% |
Ohio | $1,805 | $200 less | 10% |
Oklahoma | $4,442 | $2,437 more | 122% |
Oregon | $1,347 | $658 less | 33% |
Pennsylvania | $1,475 | $530 less | 26% |
Rhode Island | $1,505 | $500 less | 25% |
South Carolina | $2,061 | $56 more | 3% |
South Dakota | $2,607 | $602 more | 30% |
Tennessee | $2,369 | $364 more | 18% |
Texas | $2,951 | $946 more | 47% |
Utah | $1,416 | $589 less | 29% |
Virginia | $1,645 | $360 less | 18% |
Vermont | $974 | $1,031 less | 51% |
Washington | $1,260 | $745 less | 37% |
Wisconsin | $1,274 | $731 less | 36% |
West Virginia | $1,465 | $540 less | 27% |
Wyoming | $1,351 | $654 less | 33% |
Data refreshed as of May 2024
Read our full methodology
Homeowners insurance on a $300k home
For a homeowners insurance policy with $300,000 in dwelling coverage, Oklahoma has the highest rate at $5,858 and Hawaii has the lowest rate at $613 based on a 2023 analysis by Insurance.com.
State | Average rate | $ more or less than the national avg ($2,601) | % difference from national average ($2,601) |
---|---|---|---|
Alaska | $1,708 | $893 less | 34% |
Alabama | $3,147 | $546 more | 21% |
Arkansas | $3,958 | $1,357 more | 52% |
Arizona | $2,490 | $111 less | 4% |
California | $1,405 | $1,196 less | 46% |
Colorado | $4,099 | $1,498 more | 58% |
Connecticut | $2,231 | $370 less | 14% |
Washington, D.C. | $1,342 | $1,259 less | 48% |
Delaware | $1,384 | $1,217 less | 47% |
Florida | $4,419 | $1,818 more | 70% |
Georgia | $2,302 | $299 less | 11% |
Hawaii | $613 | $1,988 less | 76% |
Iowa | $2,654 | $53 more | 2% |
Idaho | $1,961 | $640 less | 25% |
Illinois | $3,062 | $461 more | 18% |
Indiana | $2,991 | $390 more | 15% |
Kansas | $4,843 | $2,242 more | 86% |
Kentucky | $3,326 | $725 more | 28% |
Louisiana | $3,594 | $993 more | 38% |
Massachusetts | $1,640 | $961 less | 37% |
Maryland | $1,715 | $886 less | 34% |
Maine | $1,391 | $1,210 less | 47% |
Michigan | $2,411 | $190 less | 7% |
Minnesota | $2,420 | $181 less | 7% |
Missouri | $3,543 | $942 more | 36% |
Mississippi | $3,380 | $779 more | 30% |
Montana | $3,289 | $688 more | 26% |
North Carolina | $2,941 | $340 more | 13% |
North Dakota | $3,147 | $546 more | 21% |
Nebraska | $4,800 | $2,199 more | 85% |
New Hampshire | $1,221 | $1,380 less | 53% |
New Jersey | $1,526 | $1,075 less | 41% |
New Mexico | $2,647 | $46 more | 2% |
Nevada | $1,467 | $1,134 less | 44% |
New York | $1,816 | $785 less | 30% |
Ohio | $2,160 | $441 less | 17% |
Oklahoma | $5,858 | $3,257 more | 125% |
Oregon | $1,755 | $846 less | 33% |
Pennsylvania | $1,911 | $690 less | 27% |
Rhode Island | $1,950 | $651 less | 25% |
South Carolina | $2,678 | $77 more | 3% |
South Dakota | $3,390 | $789 more | 30% |
Tennessee | $3,060 | $459 more | 18% |
Texas | $3,851 | $1,250 more | 48% |
Utah | $1,802 | $799 less | 31% |
Virginia | $2,151 | $450 less | 17% |
Vermont | $1,263 | $1,338 less | 51% |
Washington | $1,612 | $989 less | 38% |
Wisconsin | $1,662 | $939 less | 36% |
West Virginia | $1,911 | $690 less | 27% |
Wyoming | $1,897 | $704 less | 27% |
Data refreshed as of May 2024
Read our full methodology
Homeowners insurance on a $400k home
At $400,000 in coverage, the highest annual average rate is $7,012 in Oklahoma, and the lowest annual average rate is $791 in Hawaii.
Below, you'll see how much is homeowners insurance on a $400,000 house in each state.
State | Average rate | $ more or less than the national average ($3,231) | % difference from national average ($3,231) |
---|---|---|---|
Alaska | $2,064 | $1,167 less | 36% |
Alabama | $3,798 | $567 more | 18% |
Arkansas | $4,675 | $1,444 more | 45% |
Arizona | $3,063 | $168 less | 5% |
California | $1,772 | $1,459 less | 45% |
Colorado | $4,662 | $1,431 more | 44% |
Connecticut | $2,707 | $524 less | 16% |
Washington, D.C. | $1,703 | $1,528 less | 47% |
Delaware | $1,729 | $1,502 less | 46% |
Florida | $4,984 | $1,753 more | 54% |
Georgia | $2,881 | $350 less | 11% |
Hawaii | $791 | $2,440 less | 76% |
Iowa | $3,230 | $1 less | 0% |
Idaho | $2,449 | $782 less | 24% |
Illinois | $3,587 | $356 more | 11% |
Indiana | $3,620 | $389 more | 12% |
Kansas | $5,688 | $2,457 more | 76% |
Kentucky | $4,153 | $922 more | 29% |
Louisiana | $4,409 | $1,178 more | 36% |
Massachusetts | $1,998 | $1,233 less | 38% |
Maryland | $2,131 | $1,100 less | 34% |
Maine | $1,741 | $1,490 less | 46% |
Michigan | $2,956 | $275 less | 9% |
Minnesota | $2,999 | $232 less | 7% |
Missouri | $4,114 | $883 more | 27% |
Mississippi | $3,941 | $710 more | 22% |
Montana | $3,831 | $600 more | 19% |
North Carolina | $3,398 | $167 more | 5% |
North Dakota | $3,898 | $667 more | 21% |
Nebraska | $5,904 | $2,673 more | 83% |
New Hampshire | $1,488 | $1,743 less | 54% |
New Jersey | $1,894 | $1,337 less | 41% |
New Mexico | $3,489 | $258 more | 8% |
Nevada | $1,853 | $1,378 less | 43% |
New York | $2,349 | $882 less | 27% |
Ohio | $2,613 | $618 less | 19% |
Oklahoma | $7,012 | $3,781 more | 117% |
Oregon | $2,185 | $1,046 less | 32% |
Pennsylvania | $2,130 | $1,101 less | 34% |
Rhode Island | $2,381 | $850 less | 26% |
South Carolina | $3,219 | $12 less | 0% |
South Dakota | $3,970 | $739 more | 23% |
Tennessee | $3,737 | $506 more | 16% |
Texas | $4,643 | $1,412 more | 44% |
Utah | $2,161 | $1,070 less | 33% |
Virginia | $2,694 | $537 less | 17% |
Vermont | $1,555 | $1,676 less | 52% |
Washington | $2,017 | $1,214 less | 38% |
Wisconsin | $2,038 | $1,193 less | 37% |
West Virginia | $2,354 | $877 less | 27% |
Wyoming | $2,490 | $741 less | 23% |
Data refreshed as of May 2024
Read our full methodology
Homeowners insurance on a $600k home
Below are the average annual home insurance rates for the dwelling coverage of $600,000 and $1,000 deductible.
State | Average rate | $ more or less than the national average ($4,677) | % difference from national average ($4,677) |
---|---|---|---|
Alaska | $2,779 | $1,898 less | 41% |
Alabama | $5,144 | $467 more | 10% |
Arkansas | $6,099 | $1,422 more | 30% |
Arizona | $4,086 | $591 less | 13% |
California | $2,598 | $2,079 less | 44% |
Colorado | $5,542 | $865 more | 18% |
Connecticut | $3,641 | $1,036 less | 22% |
Washington, D.C. | $2,384 | $2,293 less | 49% |
Delaware | $2,474 | $2,203 less | 47% |
Florida | $5,854 | $1,177 more | 25% |
Georgia | $4,006 | $671 less | 14% |
Hawaii | $1,154 | $3,523 less | 75% |
Iowa | $4,388 | $289 less | 6% |
Idaho | $3,427 | $1,250 less | 27% |
Illinois | $4,390 | $287 less | 6% |
Indiana | $4,451 | $226 less | 5% |
Kansas | $6,798 | $2,121 more | 45% |
Kentucky | $5,182 | $505 more | 11% |
Louisiana | $5,277 | $600 more | 13% |
Massachusetts | $2,746 | $1,931 less | 41% |
Maryland | $3,028 | $1,649 less | 35% |
Maine | $2,510 | $2,167 less | 46% |
Michigan | $3,564 | $1,113 less | 24% |
Minnesota | $4,308 | $369 less | 8% |
Missouri | $4,956 | $279 more | 6% |
Mississippi | $4,700 | $23 more | 0% |
Montana | $4,271 | $406 less | 9% |
North Carolina | $4,375 | $302 less | 6% |
North Dakota | $4,682 | $5 more | 0% |
Nebraska | $7,365 | $2,688 more | 57% |
New Hampshire | $2,032 | $2,645 less | 57% |
New Jersey | $2,619 | $2,058 less | 44% |
New Mexico | $4,529 | $148 less | 3% |
Nevada | $2,707 | $1,970 less | 42% |
New York | $3,276 | $1,401 less | 30% |
Ohio | $3,265 | $1,412 less | 30% |
Oklahoma | $8,426 | $3,749 more | 80% |
Oregon | $3,016 | $1,661 less | 36% |
Pennsylvania | $2,902 | $1,775 less | 38% |
Rhode Island | $3,327 | $1,350 less | 29% |
South Carolina | $4,319 | $358 less | 8% |
South Dakota | $5,353 | $676 more | 14% |
Tennessee | $4,873 | $196 more | 4% |
Texas | $5,602 | $925 more | 20% |
Utah | $2,876 | $1,801 less | 39% |
Virginia | $3,430 | $1,247 less | 27% |
Vermont | $2,147 | $2,530 less | 54% |
Washington | $2,801 | $1,876 less | 40% |
Wisconsin | $2,711 | $1,966 less | 42% |
West Virginia | $3,271 | $1,406 less | 30% |
Wyoming | $3,703 | $974 less | 21% |
Data refreshed as of May 2024
Read our full methodology
How much is homeowners insurance on average?
The average yearly cost of homeowners insurance is $2,601 for a dwelling and liability coverage of $300,000, with a $1,000 deductible,but rates vary by coverage level.
The nationwide average annual rates for home insurance for various coverage levels are shown below.
Dwelling coverage | Deductible | Liability coverage | Average annual premium |
---|---|---|---|
$2,00,000 | $1,000 | $1,00,000 | $1,988 |
$2,00,000 | $1,000 | $3,00,000 | $2,005 |
$3,00,000 | $1,000 | $1,00,000 | $2,582 |
$3,00,000 | $1,000 | $3,00,000 | $2,601 |
$4,00,000 | $1,000 | $1,00,000 | $3,211 |
$4,00,000 | $1,000 | $3,00,000 | $3,231 |
$6,00,000 | $1,000 | $1,00,000 | $4,651 |
$6,00,000 | $1,000 | $3,00,000 | $4,677 |
$10,00,000 | $1,000 | $1,00,000 | $7,380 |
$10,00,000 | $1,000 | $3,00,000 | $7,412 |
Data refreshed as of May 2024
Read our full methodology
Factors that affect homeowners insurance rates
Many factors affect home insurance rates. While most of them are the same in all states, like the size and age of your home. But some factors are related to the state you live in as well.
For example, in Florida, hurricanes affect the cost of home insurance, while in California, wildfires are a factor. Across the Midwest, winter weather and summer storms prone to hail and high winds both impact rates.
In fact, location is a big factor in home insurance rates.
How does location affect homeowners insurance?
Location is one of the biggest factors in your home insurance rates.
Insurers consider many factors when judging location:
- Weather (areas that experience more natural disasters will likely have higher premiums)
- Population density
- Nearness to an area that could lead to claims, such as woods (fire risk) or dangerous roads or intersections (cars crashing into your living room)
- Proximity to a fire department and fire hydrant
- Claims history for the area
Home insurance companies base rates in part by location, which can go well beyond the state level, says Burl Daniel, CPCU, CIC, CRM, Property and Casualty Insurance Expert Witness, in Fort Worth, Texas.
Daniel says that, generally speaking, insurers base rates and premiums on a home's COPE:
- Construction (brick/frame)
- Occupancy (owner/tenant)
- Protection (fire department rating)
- Exposure (residential vs. commercial neighborhood)
One part of a state might have higher rates because of more crime. Another part of the state may have lower rates because severe weather losses are less frequent.
"It's not one size fits all," Daniel says.
Living near a full-time fire station with a nearby hydrant affects your home insurance rates. An insurer wants a home near a fire department and hydrant because there is less chance of your home burning down if you live near a fire station. Having a hydrant nearby also means firefighters can start battling a house fire faster than if the hydrant is down the street -- or even miles away.
Methodology
Insurance.com, in 2023, commissioned Quadrant Information Systems to field home insurance rates from major insurers in each state for nearly all ZIP codes in the country for 10 coverage levels based on various dwelling and deductible limits. The homeowner profile is a 35-year-old married applicant with an excellent insurance score insuring a new business HO-3 policy for a house built in 2000 with frame construction and composition roof. Other Structures: 10%. Loss of Use defaulted: 10%. Personal Property defaulted: 50%. Guest Medical limit: $5,000. Personal property: 50% of dwelling coverage for actual cash value. The content was updated for 2024.
*Some state rates will vary based on the addition of a hurricane deductible and may be much higher when included.
Home insurance FAQs
What is the cheapest home insurance company?
That depends on where you live, your home and many other factors. Find the cheapest home insurance company for you by shopping around.
How can I reduce my homeowners insurance premium?
Discounts and shopping around are the best ways to get cheaper home insurance. A higher deductible will also instantly reduce your rates, but be sure you can afford it if there's a claim.
Can I lower my dwelling coverage to reduce my premium?
You can lower your dwelling coverage as long as you are still meeting mortgage company requirements, but it's not recommended and can leave you underinsured.
How much is home insurance in Texas?
Based on Insurance.com’s rate analysis, on average the home insurance cost in Texas is $3,851. Texas is counted among the states with the highest homeowners insurance rates.
How much is homeowners insurance in California?
The average cost of home insurance in California is $1,405. It is one of the five states with the least expensive homeowners insurance.
How much should I pay for home insurance?
Many factors determine the amount you pay for homeowners insurance. The cost varies depending on the individual, but it typically requires enough dwelling coverage to rebuild one's home and enough personal property protection for their belongings.