Homeowner Insurance Rates by Region

Depending on where you live, your homeowner insurance rates could be significantly different. This is because factors out of your control – such as weather conditions – can greatly affect the premiums you pay. No matter where you live, it’s vitally important to obtain the best homeowner insurance to fit your needs. You should always seek competitive quotes from multiple insurance companies, which will help you verify that you’re receiving the best coverage at the best price. Services such as those offered by HouseInsuranceRates.com can assist consumers in obtaining these quotes. To learn more, be sure to fill out the informational form on this Web site.

Regional homeowner insurance rates

According to the National Association of Insurance Commissioners, the Gulf Coast states pay the most for their homeowner insurance. Throughout the country, the national average was $804 for annual homeowner insurance premiums. Where you live, environmental factors and other issues such as property value can affect how much you will be expected to pay each year in homeowner insurance premiums. Find out how your area compares to others in the United States:

West

The Western portion of the United States has an extremely varied range of insurance premiums. California has the highest insurance rates in the area by far – the seventh highest in the nation, in fact – but this is largely due to environmental issues like earthquakes, floods and fires, as well as cost of living.

• Alaska: Ranks 15th at $850
• Arizona: Ranks 38th at $640
• California: Ranks 7th at $937
• Colorado: Ranks 16th at $813
• Hawaii: Ranks 20th at $776
• Idaho: Ranks 49th at $477
• Montana: Ranks 32nd at $666
• Nevada: ranks 29th at $693
• New Mexico: 39th at $638
• North Dakota: Ranks 21st at $742
• Oregon: Ranks 46th at $502
• South Dakota: Ranks 41st at $628
• Utah: Ranks 47th at $494
• Washington: Ranks 42nd at $603
• Wyoming: Ranks 36th at $648

Midwest

Depending on where you live in the Midwest, your insurance premiums could be above the national average. According to the NAIC figures, those states that are particularly at risk for tornadoes have slightly higher insurance premiums. But the relatively affordable cost of living in this area of the country can also assist in keeping premiums lower.

• Illinois: Ranks 30th at $674
• Indiana: Ranks 39th 638
• Iowa: Ranks 43rd at $596
• Kansas: Ranks 13th at $866
• Michigan: Ranks 24th at $715
• Minnesota: Ranks 18th at $788
• Missouri: Ranks 25th at $707
• Nebraska: Ranks 19th at $783
• Ohio: Ranks 45th at $530
• Oklahoma: Ranks 4th at $1,018
• Wisconsin: Ranks 48th at $490

East

The East coast has a very diverse sampling of homeowner insurance premium ranges, likely because the area features extremely costly metropolitan areas as well as coastal areas that are susceptible to hurricanes.

• Connecticut: Ranks 11th at $878
• Delaware: Ranks 45th at $530
• Maine: Ranks 44th at $573
• Massachusetts: Ranks 8th at $925
• New Hampshire: Ranks 31st at $669
• New Jersey: Ranks 22nd at $726
• New York: Ranks 12th at $869
• Pennsylvania: Ranks 37th at $643
• Rhode Island: Ranks 9th at $919
• Vermont: Ranks 29th at $677
• West Virginia: Ranks 34th at $650

South

The South is likely the most expensive place to insure a home in the United States, and these figures are largely due to the costs associated with Hurricane Katrina and similar natural disasters. Residents in these states, particularly, must be vigilant in obtaining multiple homeowner insurance rate quotes.

• Alabama: Ranks 10th at $894
• Arkansas: Ranks 17th at $802
• Florida: ranks 2nd at $1,386
• Georgia: Ranks 27th at $703
• Kentucky: Ranks 40th at $637
• Louisiana: Ranks 3rd at $1,257
• Maryland: Ranks 23rd at $721
• Mississippi: Ranks 6th at 4998
• North Carolina: Ranks 35th at $649
• South Carolina; Ranks 14th at $851
• Tennessee: Ranks 26th at $706
• Texas: Ranks 1st at $1,409
• Virginia: Ranks 33rd at $662