Home Insurance: How Much It Costs and How to Compare Free Quotes

Homeowners · Condo · Renters · 50 states & D.C. · Sept. 30, 2026 rates

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Home insurance cost and quotes in 2026

How Much Is Home Insurance?

Home insurance costs $258 a month ($3,101 a year) on average for a $300,000 house across the 50 states and D.C. (rates as of Sept. 30, 2026), from $73 a month in Vermont to $852 in Florida. Condo insurance averages $40 a month and renters insurance $21.

The same house is priced differently by each insurer and in each ZIP code, so compare quotes for your address to know your own price. These are sample prices built from the rates insurers file with state regulators, not quotes or offers.

Rates as of Sept. 30, 2026 · Page updated Nov. 15, 2026

Home, condo and renters calculator

How Much Is Home Insurance in Your State?

Enter your ZIP code and choose a house, a condo or an apartment. You get the average price for the same sample home in your state, monthly and yearly, its rank among the 50 states and D.C. and how far apart insurers priced it. The ZIP code you type also fills in the quote form below.

What are you insuring?

Not in this calculator yet: home value, roof age, claims, credit and your deductible. Every price here is for one sample home, so yours will differ.

Find your state in the table of all 51 places below for the same house’s, condo’s and apartment’s prices.

Enter a ZIP code to see your state’s price.

Try 33602 (Tampa), 78701 (Austin) or 43215 (Columbus).

Homeowners, $300,000 house
$258/mo
Condo
$40/mo
Renters
$21/mo
Where
50 states and D.C.

Want more detail for your state? Open the home insurance calculator or see home insurance cost by state.

Your ZIP code matters

See what you’d pay where you live

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Start with your ZIP code. It’s free

The monthly answer

How Much Is Home Insurance a Month?

  • $258/mohomeowners average
  • $231/momiddle state
  • $40/mocondo average
  • $21/morenters average

That’s for a 2,000 sq ft wood-frame house with a composition roof, built in 1997 and insured for $300,000 with a $1,000 deductible.

  • $300,000 dwelling
  • $1,000 deductible
  • 2% hurricane deductible
  • $300,000 liability
  • Built 1997
  • 2,000 sq ft, wood frame
  • Composition roof

Same house, different state

Sample $300,000 house, per month

Cheapest and priciest of the 50 states and D.C.

  1. Vermont$73/mo
  2. New Hampshire$107/mo
  3. California$111/mo
  4. Louisiana$497/mo
  5. Texas$640/mo
  6. Florida$852/mo

Prices as of Sept. 30, 2026. Sample prices, not quotes. Vermont’s figure rests on 2 insurers, and California’s on 4 insurers of which only 2 priced most ZIP codes. All 51 places →

For the same $300,000 house, home insurance averages $258 a month across the 50 states and D.C. The middle state pays $231 a month ($2,767 a year), and 27 of the 51 places fall between $1,778 and $3,756 a year. A condo averages $40 a month ($481 a year) and renters insurance $21 a month ($256 a year).

Our monthly figures are the yearly price divided by 12. Many insurers let you pay monthly or once a year, and some add a small fee for monthly payments. If you have a mortgage, your lender often pays the premium from your escrow account.

How many of the 51 places (50 states and D.C.) fall in each monthly price range, same sample house (rates as of Sept. 30, 2026)

How many of the 51 places (50 states and D.C.) fall in each monthly price range, same sample house (rates as of Sept. 30, 2026)
Monthly pricePlaces
Up to $15014
$151 to $25015
$251 to $35013
$351 to $5007
Over $5002

Straight answers from our data

Is My Home Insurance Price a Lot?

Slide to your monthly price to see where it sits among the 51 place averages for the same house, condo or apartment. The middle place is $231 a month and the 50-state and D.C. average is $258.

Check your own price

$200 a month is more than the average for our sample $300,000 house in 20 of the 50 states and D.C., and less than in 31. Averages from our rate data, not quotes.

Compare quotes for your ZIP

What the numbers say

20 of the 51 places average $200 a month or less for our sample house, and 31 average more.

29 of the 51 places average less than $3,000 a year, so $3,000 a year is about average for a house like ours.

For a condo the 50-state and D.C. average is $40 a month, and for renters $21. Use the Condo and Renters buttons to compare those prices.

Is $200 a month a lot for home insurance?

No, not for a house like ours: $200 a month ($2,400 a year) is below the $258 average of the 50 states and D.C. and below the middle state ($231). In Florida ($852) or Texas ($640) it would be a low price for the same house; in Vermont ($73) or New Hampshire ($107) it would be high.

What is a normal amount to pay for home insurance?

For the same house, a price between $1,778 and $3,756 a year is normal: 27 of the 51 places fall in that range. Your own price depends on your home, your ZIP code and the insurer.

Price by dwelling coverage

How Much Is Home Insurance on a $300,000, $400,000 or $500,000 House?

Home insurance on a $300,000 house averages $3,101 a year ($258 a month) across the 50 states and D.C. Home insurance on a $400,000 house typically costs about $3,880 a year ($323 a month), and on a $500,000 house about $4,680 a year ($390 a month).

Pick a dwelling amount

Choose the amount closest to what it would cost to rebuild your house, not its market price.

about $193/mo · about $2,320 a year for $200,000 of dwelling coverageabout $226/mo · about $2,710 a year for $250,000 of dwelling coverageabout $258/mo · about $3,101 a year for $300,000 of dwelling coverageabout $323/mo · about $3,880 a year for $400,000 of dwelling coverageabout $390/mo · about $4,680 a year for $500,000 of dwelling coverage
  1. $200,000$193/mo · $2,320/yr
  2. $250,000$226/mo · $2,710/yr
  3. $300,000$258/mo · $3,101/yr
  4. $400,000$323/mo · $3,880/yr
  5. $500,000$390/mo · $4,680/yr

A national shape, derived: our 50-state and D.C. average for the sample house at $300,000, adjusted by the typical difference between dwelling amounts in national rate studies. Not a state price and not a quote. Prices as of Sept. 30, 2026.

Insure the rebuild cost

The amount that sets the price is the dwelling coverage: what it would cost to rebuild the house, not what you paid for it or what it would sell for, which includes the land. A house that sold for $400,000 may need less, or more, than $400,000 of dwelling coverage.

Where the house sits changes the price far more than its value: the same $300,000 house costs $73 a month in Vermont and $852 in Florida.

What is the 80% rule in homeowners insurance?

Many policies pay the full replacement cost of a covered loss only if you insure the house for at least 80% of what it would cost to rebuild. For a house that would cost $300,000 to rebuild, that means at least $240,000 of dwelling coverage. Below that, the insurer can pay less on a claim, so check your limit against a current rebuilding cost.

Home insurance comparison

How to Compare Home Insurance Quotes

A home insurance price comparison only works when every quote covers the same house the same way. Five steps:

  1. Know your rebuild cost. Ask for the dwelling coverage it would take to rebuild your house today, and use the same amount in every quote.
  2. Use the same deductibles. Keep the regular deductible the same, and check the wind, hail or hurricane deductible, which some insurers set as a percentage of the dwelling coverage.
  3. Match the coverage. Compare the same liability limit, belongings coverage and replacement-cost terms for the roof and your things.
  4. Get at least three quotes. For our sample house, the lowest and highest insurer averages were at least $500 a year apart in 45 of the 51 places.
  5. Look past the price. Check what each policy leaves out, such as flood and earthquake, and how the insurer handles claims in your state.

Can you compare home insurance without giving personal information?

Yes, for a first look: the calculator and tables on this page show what the same sample home costs in your state with only a ZIP code, and no name or contact details. A real quote for your home needs details about you and the house, such as the address, so insurers can price it.

Should you get auto and home insurance quotes together?

Often, yes. Most insurers that sell both give a discount when you buy them together, so ask for auto and home insurance quotes at the same time, then compare the bundle with two separate policies. See car insurance rates and how bundling works.

Same house, different insurer

Which Insurers Have the Cheapest Home Insurance?

For our sample house, State Farm had the lowest average in more places than any other insurer anyone can buy from. Which insurer is lowest still changes by state and ZIP code.

In many places we don’t name one lowest insurer: the two lowest were within 5% of each other, only 2 insurers were priced, the lowest sells only to members, or it was priced so far below the rest that it may not fit most homes. Each state page lists every insurer’s average for the same house.

How national insurers compare: the table below puts each insurer we priced in at least 3 places next to the average of every insurer in those same places, so where an insurer sells doesn’t skew the comparison. Insurers anyone can buy from land anywhere from 25.6% below to 104.4% above the local average for the same house.

Same sample house: 11 insurers priced in at least 3 of the 50 states and D.C., each insurer’s average across those places vs the average of all insurers there, per month (rates as of Sept. 30, 2026)

Same sample house: 11 insurers priced in at least 3 of the 50 states and D.C., each insurer’s average across those places vs the average of all insurers there, per month (rates as of Sept. 30, 2026)
InsurerPlaces pricedInsurer averageAll insurers, same placesDifference
State Farm46$215$264−18.6%
Allstate21$204$235−13.5%
Farmers17$317$275+15.3%
USAA (military families only)17$189$289−34.6%
Liberty Mutual14$232$177+31.3%
American Family9$316$288+9.7%
Auto-Owners8$224$252−11.2%
Erie8$268$239+11.9%
Travelers7$550$269+104.4%
Amica4$144$193−25.6%
Foremost3$246$237+3.8%

A place counts for an insurer only where it priced at least 90% of the ZIP codes. USAA sells only to military members, veterans and their families, so we leave it out of any lowest-price call for insurers anyone can buy from. An insurer’s average across many states is not your price: the lowest insurer changes by state and ZIP code, so compare quotes for your address.

Why compare quotes: in Illinois, for example, the same house ranged from $102 to $420 a month across the 4 insurers we compared, and the lowest insurer for our sample house may not be lowest for yours.

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Same house, very different prices. Compare yours.

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All 50 states and D.C.

Home Insurance Cost by State

Where the house sits changes the price more than anything else we priced. The same house costs about 12 times as much to insure in Florida ($10,229 a year) as in Vermont ($875). Vermont, New Hampshire and California are the lowest-priced places for the same house, and Florida, Texas and Louisiana the highest.

Same sample house in all 50 states and D.C.: average home insurance cost per month and per year, and rank (1 = lowest price; rates as of Sept. 30, 2026)

Same sample house in all 50 states and D.C.: average home insurance cost per month and per year, and rank (1 = lowest price; rates as of Sept. 30, 2026)
StatePer monthPer yearRank
Alabama$276$3,31033 of 51
Alaska$139$1,6709 of 51
Arizona$263$3,16031 of 51
Arkansas$320$3,84241 of 51
California 2 of 4 insurers priced most ZIP codes$111$1,3363 of 51
Colorado$361$4,33343 of 51
Connecticut$288$3,45534 of 51
Delaware$136$1,6338 of 51
Florida$852$10,22951 of 51
Georgia$211$2,53622 of 51
Hawaii$141$1,69610 of 51
Idaho$209$2,50621 of 51
Illinois$232$2,78828 of 51
Indiana 2 insurers priced$227$2,72625 of 51
Iowa$301$3,60837 of 51
Kansas$313$3,75538 of 51
Kentucky 2 insurers priced$294$3,53336 of 51
Louisiana$497$5,96849 of 51
Maine$117$1,4034 of 51
Maryland$262$3,14630 of 51
Massachusetts$148$1,77914 of 51
Michigan$382$4,58645 of 51
Minnesota$272$3,26032 of 51
Mississippi$332$3,98742 of 51
Missouri$432$5,18746 of 51
Montana$492$5,90548 of 51
Nebraska$370$4,44444 of 51
Nevada$146$1,75211 of 51
New Hampshire$107$1,2862 of 51
New Jersey$126$1,5176 of 51
New Mexico$232$2,78427 of 51
New York$161$1,92715 of 51
North Carolina$293$3,51235 of 51
North Dakota$215$2,58223 of 51
Ohio$171$2,04918 of 51
Oklahoma$474$5,69347 of 51
Oregon$119$1,4265 of 51
Pennsylvania$224$2,68524 of 51
Rhode Island 2 insurers priced$231$2,76726 of 51
South Carolina$165$1,98016 of 51
South Dakota$313$3,75639 of 51
Tennessee$238$2,85629 of 51
Texas$640$7,67450 of 51
Utah$176$2,10819 of 51
Vermont 2 insurers priced$73$8751 of 51
Virginia$317$3,80140 of 51
Washington$134$1,6097 of 51
Washington, D.C.$165$1,98317 of 51
West Virginia$183$2,19220 of 51
Wisconsin$148$1,77412 of 51
Wyoming$148$1,77813 of 51

Condo and renters prices for every state, with sort buttons, are in home insurance cost by state. Tap a state for its insurers, cities and ZIP-code prices.

Home, condo or renters

What Type of Home Insurance Do You Need?

Most homeowners buy an HO-3 policy. Condo owners buy HO-6 and renters buy HO-4. Here’s what each one averaged for the homes we priced. Condo and renters prices rank differently: California, the third-lowest place for a house, is the highest-priced place for our condo.

  • Homeowners (HO-3)$258/mo$3,101 a year for a $300,000 house, average of the 50 states and D.C.For a house you own. Covers the house, other structures, your belongings and liability, and extra living costs after a covered loss.
  • Condo (HO-6)$40/mo$481 a year for $60,000 of unit coverage, average of the 50 states and D.C.For a condo unit you own. Covers the inside of your unit, your belongings and liability; the building’s master policy covers the rest.
  • Renters (HO-4)$21/mo$256 a year for $40,000 of belongings, average of the 50 states and D.C.For a home you rent. Covers your belongings and liability, and extra living costs if you have to move out after a covered loss.

More on each: the types of homeowners insurance policies and renters insurance.

What changes the price

What Affects the Cost of Home Insurance?

  • Location: the same house ranges from $875 a year in Vermont to $10,229 in Florida, mostly because of hurricane, hail and storm risk and rebuilding costs where it sits.
  • Insurer: each company prices risk its own way, so quotes for the same house can be far apart.
  • Dwelling coverage: a higher rebuild cost means a higher price; see the cost by house value above.
  • Deductibles: a higher deductible lowers the premium, and many coastal and hail-prone areas use a separate wind, hail or hurricane deductible set as a percentage of the dwelling coverage.
  • Age, roof and construction: newer roofs and updated wiring, plumbing and heating usually cost less to insure.
  • Claims and credit: recent claims raise prices with most insurers, and in most states insurers can use a credit-based insurance score.

How do wind, hail and hurricane deductibles work?

A percentage deductible is a share of your dwelling coverage, not of the damage. At 2% of $300,000, you pay the first $6,000 of a covered storm claim. If a storm causes $15,000 of roof damage, the policy pays up to $9,000 instead of the $14,000 it would pay with a $1,000 deductible.

Try your own numbers

At 2% of $300,000, your wind and hail deductible is $6,000.

This multiplies your numbers and nothing else. Your policy states its own percentage and the coverage it applies to on your declarations page.

More on deductibles: how home insurance deductibles work.

What isn’t covered

Does Home Insurance Cover Flooding or Earthquakes?

No. Flood damage from rising water and earthquake damage aren’t covered by standard home, condo or renters policies.

Water that comes from inside the house, such as a burst pipe, is usually covered; water that rises from outside is flood. Mortgage lenders generally require flood insurance in high-risk flood zones.

Read more: the most expensive natural disasters and sinkhole insurance.

City prices

Cheapest and Most Expensive Cities for Home Insurance

We priced the same house in 292 cities with at least 5 ZIP codes in our data. The 10 lowest are all in California, led by Santa Barbara at $963 a year; the 10 highest are all in Florida, led by Fort Pierce at $19,571.

Same sample house: the 10 lowest-priced of the 292 cities we compared (rates as of Sept. 30, 2026)

Same sample house: the 10 lowest-priced of the 292 cities we compared (rates as of Sept. 30, 2026)
CityPer monthPer yearZIP codes
Santa Barbara, CA$80$9637
San Francisco, CA$86$1,03023
San Jose, CA$86$1,03327
Salinas, CA$89$1,0715
Burbank, CA$90$1,0795
Torrance, CA$90$1,0835
Pasadena, CA$94$1,1276
Santa Rosa, CA$95$1,1406
Glendale, CA$96$1,1568
Whittier, CA$99$1,1856

Same sample house: the 10 highest-priced of the 292 cities we compared (rates as of Sept. 30, 2026)

Same sample house: the 10 highest-priced of the 292 cities we compared (rates as of Sept. 30, 2026)
CityPer monthPer yearZIP codes
Fort Pierce, FL$1,631$19,5718
Miami, FL$1,494$17,93054
Homestead, FL$1,445$17,3426
Vero Beach, FL$1,445$17,3386
Hialeah, FL$1,440$17,2757
Delray Beach, FL$1,418$17,0195
West Palm Beach, FL$1,413$16,95712
Boca Raton, FL$1,409$16,9119
Boynton Beach, FL$1,371$16,4576
Port St. Lucie, FL$1,332$15,9806

City guides

Find more cities in home insurance cost by city.

Pay less

How Can I Lower My Home Insurance?

  • Compare at least three quotes: prices for the same house differ widely by insurer.
  • Raise your deductible: if you can cover it from savings, a higher deductible lowers the premium.
  • Bundle with your car: most insurers give a discount for home and auto together. See how bundling works.
  • Ask about discounts: alarms, a newer roof, claim-free years and paying in full. See common homeowners insurance discounts.
  • Insure the rebuild cost, not the market value: paying for land you can’t lose wastes money, and too little coverage costs you after a claim.
  • Keep your credit and claims history clean: see how credit affects home insurance.

How quickly can you get a home insurance policy?

You can compare quotes in minutes and often buy a policy the same day. Some insurers inspect the house or ask for roof photos first, and a mortgage closing needs proof of coverage, so start a week or two ahead when you can.

Read next

Home Insurance Guides

FAQ

Home Insurance Questions, Answered

How much is home insurance?

For the same house, home insurance averages $3,101 a year ($258 a month) across the 50 states and D.C., with rates as of Sept. 30, 2026. That’s for a 2,000 sq ft wood-frame house with a composition roof, built in 1997 and insured for $300,000 with a $1,000 deductible. By state it runs from $73 a month in Vermont to $852 in Florida.

How much is home insurance on a $400,000 house?

Home insurance on a $400,000 house typically costs about $3,880 a year ($323 a month), and on a $500,000 house about $4,680 a year ($390 a month). On a $300,000 house it averages $3,101 a year.

Is $250 a month a lot for home insurance?

It’s close to average: our sample $300,000 house averages $258 a month across the 50 states and D.C., and the middle state pays $231. Whether it’s a lot depends on your state, your home and the insurer.

How do I compare home insurance quotes?

Get at least three quotes for the same dwelling coverage, the same deductibles and the same liability limit, then compare the price and what each policy leaves out. A quote for your address is the only way to know your price.

Can I get a home insurance quote without personal information?

You can see sample prices for your state with only a ZIP code on this page. An actual quote needs details about you and your home, such as the address, so insurers can price it.

How does the 80% rule work in home insurance?

Many policies pay the full replacement cost of a covered loss only if the dwelling coverage is at least 80% of what it would cost to rebuild the house. Below that, a claim can be paid at less than full replacement cost.

What does homeowners insurance cover?

A standard HO-3 policy covers the house and other structures, your belongings, liability if someone is hurt or their property is damaged, and extra living costs if a covered loss makes the house unlivable. It doesn’t cover flood, earthquake or normal wear and tear.

How much is condo or renters insurance?

Across the 50 states and D.C., our sample condo averages $481 a year ($40 a month) and our sample renter $256 a year ($21 a month).

Can I bundle home and car insurance?

Yes. Most insurers that sell both give a discount when you buy them together. Compare the bundled price with separate policies, because the lowest bundle isn’t always lower than two separate policies.

Why did my home insurance go up?

Rebuilding costs, storm and wildfire losses in your area, a claim on your policy, changes to your coverage or credit, and your insurer’s own rate changes can all raise a renewal price. Comparing quotes at renewal shows whether another insurer prices your home lower.

Methodology and sources

How We Calculate These Home Insurance Prices

Rate data and the sample homes

Every price comes from licensed rate data from Quadrant Information Services, built from the rates insurers file with state regulators. We priced the same sample house, condo and apartment with the major insurers in each of the 13,199 ZIP codes in our data across the 50 states and D.C., kept each insurer’s lowest eligible price per ZIP code, averaged each ZIP code, then averaged the ZIP codes in each state, so every ZIP code counts the same. The 50-state and D.C. figure is the average of the 51 state figures, and monthly figures are yearly figures divided by 12.

The house: a 2,000-square-foot, two-story wood-frame house with a composition roof, built in 1997, insured for $300,000 with $150,000 for belongings, $300,000 liability and a $1,000 deductible; owner 40, single, good credit, no claims in 10 years. Our price requests also set a 2% hurricane deductible, the same setting in every state. Protection class 3 (a fire-protection rating), 1,000 feet from a hydrant, 3 miles from a fire station and 10 miles from the coast in every state.

The condo and the renter: a 2,000-square-foot condo unit in a 2005 building ($60,000 unit, $60,000 belongings) and an apartment built in 2005 ($40,000 belongings), each with $300,000 liability and a $1,000 deductible. Our condo and renters price requests used the regular $1,000 deductible for every peril and no separate hurricane deductible (the house prices use 2%), so on the coast those prices aren’t directly comparable with the house price.

More details

Sample: 13,199 ZIP codes in all 50 states and D.C., with 2 to 5 insurers priced for the house in each state (condo and renters: 1 to 5). Where only 1 or 2 insurers priced a policy, we say so next to the figure.

Which insurers we name: we name the insurer with the lowest average only when it was priced in at least 90% of a place’s ZIP codes, sells to anyone, and is at least 5% and no more than 30% below the next insurer.

Insurer comparison table: for each insurer priced in at least 3 places (counting a place only where it priced at least 90% of the ZIP codes), the simple average of its state averages, next to the simple average of the same places’ state averages for all insurers. These are the same insurer averages each state page shows.

House values other than $300,000: prices for other dwelling coverage amounts apply the typical difference between coverage amounts in national homeowners rate studies published from Nov. 2025 to Oct. 2026 to our $300,000 average. It is a national shape, not a state price.

Cities: the 292 main post-office cities with at least 5 ZIP codes priced; each city figure averages its ZIP codes.

What isn’t included: flood and earthquake damage need separate policies. These are sample prices for comparison, not quotes or offers.

Rates as of Sept. 30, 2026. Sources for general facts: National Association of Insurance Commissioners, FEMA (National Flood Insurance Program), Insurance Information Institute.

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Who we are: InsuranceQuotes.com has helped insurance shoppers since 2005. It is part of AWL (All Web Leads, Inc.), 9004 Anderson Mill Road, Unit A, Austin, TX 78729, and its licensed agency is AWL Insurance Agency, Inc. (National Producer Number 18056901).

We update these figures after each new release of rate data, and this page, the home insurance calculator, the home rates by state page and each state page show the same number for the same state.

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