Top 10 Most Expensive And Least Expensive States For Homeowners Insurance Premiums, 2017 (1)

 

Rank Most expensive states Average expenditure Rank Least expensive states Average expenditure
1 Louisiana $1,968 1 Oregon $677
2 Florida 1,951 2 Utah 692
3 Texas (2) 1,893 3 Idaho 730
4 Oklahoma 1,885 4 Nevada 755
5 Kansas 1,584 5 Wisconsin 779
6 Rhode Island 1,551 6 Arizona  825
7 Mississippi 1,537 7 Delaware 833
8 Colorado  1,495 8 Washington 854
9 Massachusetts 1,488 9 Ohio 862
10 Nebraska 1,481 10 Maine 882
(1) Based on the HO-3 homeowner package policy for owner-occupied dwellings, 1 to 4 family units. Provides all risks coverage (except those specifically excluded in the policy) on buildings and broad named-peril coverage on personal property, and is the most common package written. (2) Texas data were obtained from the Texas Department of Insurance. Source: © 2019 National Association of Insurance Commissioners (NAIC). Reprinted with permission. Further reprint or distribution strictly prohibited without written permission of NAIC.