Homeowners 

Renters  

Homeowners 

Renters  

State

Average premium (1)

R

Average premium (2)

R

State

Average premium (1)

R

Average premium (2)

R

Alabama

$847

9

$225

6

Montana

$663

29

$163

35

Alaska

837

11

184

21

Nebraska

767

20

157

40

Arizona

635

38

219

9

Nevada

671

28

211

13

Arkansas

775

19

218

10

New Hampshire

636

37

157

41

California (3)

895

7

257

2

New Jersey

682

26

179

22

Colorado

807

17

174

25

New Mexico

605

42

203

15

Connecticut

823

15

199

17

New York

842

10

223

7

Delaware

498

47

158

37

North Carolina

644

33

153

42

Dist. of Columbia

963

5

188

20

North Dakota

736

21

128

49

Florida

1,083

3

202

16

Ohio

531

46

166

32

Georgia

672

27

214

12

Oklahoma

996

4

242

5

Hawaii

837

12

215

11

Oregon

491

49

168

31

Idaho

457

51

157

39

Pennsylvania

624

40

150

44

Illinois

660

30

174

26

Rhode Island

849

8

193

18

Indiana

639

36

177

23

South Carolina

817

16

189

19

Iowa

594

43

139

48

South Dakota

622

41

124

51

Kansas

836

13

173

27

Tennessee

692

24

209

14

Kentucky

628

39

163

33

Texas (4)

1,372

1

269

1

Louisiana

1,144

2

244

4

Utah

477

50

146

47

Maine

553

45

147

46

Vermont

646

32

159

36

Maryland

696

23

163

34

Virginia

641

34

149

45

Massachusetts

827

14

220

8

Washington

589

44

173

30

Michigan

734

22

173

28

West Virginia

640

35

177

24

Minnesota

790

18

150

43

Wisconsin

495

48

126

50

Mississippi

939

6

253

3

Wyoming

649

31

158

38

Missouri

688

25

173

29

United States

$764

$193

(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, broad named-peril coverage on personal property, and is the most common package written.
(2) Based on the HO-4 renters insurance policy for tenants. Includes broad named-peril coverage for the personal property of tenants.
(3) California data were provided by the California Department of Insurance.
(4) The Texas Department of Insurance developed home insurance policy forms that are similar but not identical to the standard forms.
Note: Average premium=Premiums/exposure per house-years. A house-year is equal to 365 days of insured coverage for a single dwelling. The NAIC does not rank State Average Expenditures and does not endorse any conclusions drawn from this data.
Source: © 2007 National Association of Insurance Commissioners. Reprinted with permission.  Further reprint or distribution strictly prohibited without written permission of NAIC.

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