Insurance Cost by State
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Insurance Cost by State (by Ray-N-Pa [PA]) Jan 30, 2026 12:04 PM
       Insurance Cost by State (by Ray-N-Pa [PA]) Jan 30, 2026 12:05 PM
       Insurance Cost by State (by Oreo [WI]) Jan 30, 2026 2:28 PM
       Insurance Cost by State (by Ray-N-Pa [PA]) Jan 30, 2026 4:36 PM
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Insurance Cost by State (by Ray-N-Pa [PA]) Posted on: Jan 30, 2026 12:04 PM
Message:

Most Expensive Insurance Rates

Cost Rank State Annual Premium Mo Prem vs. National Avg

51 Florida $10,240 $853 +189%

50 Louisiana $8,497 $708 +140%

49 Oklahoma $7,683 $640 +117%

48 Texas $6,854 $571 +93%

47 Nebraska $6,269 $522 +77%

46 Mississippi $5,166 $431 +46%

45 Arkansas $5,045 $420 +42%

44 Montana $4,913 $409 +38%

43 Alabama $4,637 $386 +31%

42 Colorado $4,075 $340 +15%

The least expensive states to insure properties:

Cost Rank State Annual Premium Mo Premium vs. National Avg

1 Hawaii $601 $50 -83%

2 Delaware $976 $81 -72%

3 Vermont $1,054 $88 -70%

4 Oregon $1,083 $90 -69%

5 New Hampshire $1,152 $96 -68%

6 Nevada $1,212 $101 -66%

7 Washington, D.C $1,289 $107 -64%

8 Alaska $1,323 $110 -63%

9 California $1,348 $112 -62%

10 Wisconsin $1,388 $116 -61%

Methodology

MoneyGeek uses internal research and Quadrant Information Services to gather premium data from major national and regional insurers in all 50 states and Washington, D.C. The dataset provides consistent rate estimates for the same home and homeowner profile across locations.

Homeowner profile

Age: 41 to 60

Credit: Good

Claims history: None in recent years

Home profile

Year built: 2000

Construction: Wood-frame, composite shingle roof

Size: 2,500 sq. ft.

Fire risk: Low

Safety features: Standard (smoke detectors, deadbolts)

Coverage

$250,000 dwelling

$125,000 personal property

$200,000 liability

$1,000 deductible

MoneyGeek ranks states by average annual premium, with Rank 1 indicating the least expensive state. The national average premium is $3,548 per year ($296 per month). Actual premiums vary based on home age, construction, claims history and coverage levels. --50.96.xx.xx



Insurance Cost by State (by Ray-N-Pa [PA]) Posted on: Jan 30, 2026 12:05 PM
Message:

I know I pay a great deal less than these numbers but I don't use top tier insurance companies either --50.96.xx.xx



Insurance Cost by State (by Oreo [WI]) Posted on: Jan 30, 2026 2:28 PM
Message:

Thanks RAY. Ours is much cheaper as well. --216.131.xx.xxx



Insurance Cost by State (by Ray-N-Pa [PA]) Posted on: Jan 30, 2026 4:36 PM
Message:

I just did a post on what a typical person pays per year. Of course, typical folks file claims. I like my lower rates. So unless the loss is closer to $50,000 or even $75,000 - I wouldn't even consider it. That is just my opinion. You might be in a different boat.

FWIW:

20 Massachusetts $2,066 $172 -42%

Your state is on the lower end of the premiums game. --50.96.xx.xx


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