Home Insurance: Compare Costs & Free Quotes (2026)

Home Insurance at a Glance

Home insurance for the same house 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, the same house runs from $73 a month in Vermont to $852 in Florida.

For the same house, prices also vary by insurer and ZIP code, so the fastest way to know your price is to compare quotes for your address. These are sample prices for one example home, not quotes or offers.

$300K dwelling
$1,000 deductible
$300K liability
Built 1997
Composition roof
2,000 sq ft wood-frame house
See the homes we priced

Rates as of Sept. 30, 2026 · Page updated Oct. 22, 2026

Home insurance in 2026: key numbers

Home (50 states and D.C.): $3,101/yr $258/mo
Condo: $481/yr $40/mo
Renters: $256/yr $21/mo
Same house, lowest to highest state: $73 to $852 per month

How much is home insurance in your 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). Tap your state for its insurers, cities and ZIP-code prices.

Home insurance for the same house, by state (per month)

Up to $150 a month
$151 to $250 a month
$251 to $350 a month
$351 to $500 a month
Over $500 a month

Alabama $276/mo
Alaska $139/mo
Arizona $263/mo
Arkansas $320/mo
California $111/mo
Colorado $361/mo
Connecticut $288/mo
Delaware $136/mo
Florida $852/mo
Georgia $211/mo
Hawaii $141/mo
Idaho $209/mo
Illinois $232/mo
Indiana $227/mo
Iowa $301/mo
Kansas $313/mo
Kentucky $294/mo
Louisiana $497/mo
Maine $117/mo
Maryland $262/mo
Massachusetts $148/mo
Michigan $382/mo
Minnesota $272/mo
Mississippi $332/mo
Missouri $432/mo
Montana $492/mo
Nebraska $370/mo
Nevada $146/mo
New Hampshire $107/mo
New Jersey $126/mo
New Mexico $232/mo
New York $161/mo
North Carolina $293/mo
North Dakota $215/mo
Ohio $171/mo
Oklahoma $474/mo
Oregon $119/mo
Pennsylvania $224/mo
Rhode Island $231/mo
South Carolina $165/mo
South Dakota $313/mo
Tennessee $238/mo
Texas $640/mo
Utah $176/mo
Vermont $73/mo
Virginia $317/mo
Washington $134/mo
Washington, D.C. $165/mo
West Virginia $183/mo
Wisconsin $148/mo
Wyoming $148/mo

Want every number side by side? See home insurance cost by state for home, condo and renters prices in all 50 states and D.C.

Your ZIP code matters

Is $200 a month a lot for home insurance?

No. For the same house, $200 a month ($2,400 a year) is below the average of the 50 states and D.C. ($258) and below the middle state ($231). 20 of the 51 places average $200 a month or less, and 31 average more.

Where you live decides it: in Florida ($852) or Texas ($640), $200 a month would be a low price for a house like ours; in Vermont ($73) or New Hampshire ($107), it would be high. For a condo the average is $40 a month, and for renters $21.

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

How many of the 50 states and D.C. fall in each monthly price range, same house (rates as of Sept. 30, 2026)
Monthly price	Places
Up to $150	14
$151 to $250	15
$251 to $350	13
$351 to $500	7
Over $500	2

What is a normal amount to pay for home insurance?

For the same house, the middle state pays $2,767 a year ($231 a month), and 27 of the 51 places fall between $1,778 and $3,756 a year. A price in that range is normal for a house like ours; your own price depends on your home, your ZIP code and the insurer.

Is $3,000 a year a lot for home insurance?

It’s about average: $3,000 a year is just below the $3,101 average of the 50 states and D.C., and 29 of the 51 places average less than that for the same house.

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). A $200,000 house typically costs about $2,320 a year ($193 a month).

Typical home insurance cost by dwelling coverage, average of the 50 states and D.C. (2026)

Typical home insurance cost by dwelling coverage, average of the 50 states and D.C. (2026)
Dwelling coverage	Per month	Per year
$200,000	$193	$2,320
$250,000	$226	$2,710
$300,000	$258	$3,101
$400,000	$323	$3,880
$500,000	$390	$4,680

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.

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.

Where is home insurance cheapest and most expensive?

For the same house, Vermont, New Hampshire and California are the lowest-priced places we compared, and Florida, Texas and Louisiana the highest. Condo and renters prices rank differently: California, the third-lowest place for a house, is the highest-priced place for our condo.

Same sample home: the 5 lowest-priced of the 50 states and D.C. (rates as of Sept. 30, 2026)

Same sample home: the 5 lowest-priced of the 50 states and D.C. (rates as of Sept. 30, 2026)
Place	Per month	Per year
Vermont 2 insurers priced	$73	$875
New Hampshire	$107	$1,286
California	$111	$1,336
Maine	$117	$1,403
Oregon	$119	$1,426

Same sample home: the 5 highest-priced of the 50 states and D.C. (rates as of Sept. 30, 2026)

Same sample home: the 5 highest-priced of the 50 states and D.C. (rates as of Sept. 30, 2026)
Place	Per month	Per year
Florida	$852	$10,229
Texas	$640	$7,674
Louisiana	$497	$5,968
Montana	$492	$5,905
Oklahoma	$474	$5,693

See all 51 places, with condo and renters prices, in home insurance cost by state.

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:

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

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

Who has the cheapest home insurance right now?

For our sample house, State Farm had the lowest average in 15 of the 26 places where one insurer clearly priced lowest. Next came Auto-Owners (3 places), Amica Mutual (2) and Allstate (2), and 4 other insurers, mostly regional companies, led in one place each.

In the other 25 places we don’t name one: the two lowest were within 5% of each other, 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.

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.

Compare insurers

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

Dwelling coverage ($) Deductible percentage

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.

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.

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

Same sample home: the 10 lowest-priced cities of 292 we compared (rates as of Sept. 30, 2026)
City	Per month	Per year	ZIP codes
Santa Barbara, CA	$80	$963	7
San Francisco, CA	$86	$1,030	23
San Jose, CA	$86	$1,033	27
Salinas, CA	$89	$1,071	5
Burbank, CA	$90	$1,079	5
Torrance, CA	$90	$1,083	5
Pasadena, CA	$94	$1,127	6
Santa Rosa, CA	$95	$1,140	6
Glendale, CA	$96	$1,156	8
Whittier, CA	$99	$1,185	6

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

Same sample home: the 10 highest-priced cities of 292 we compared (rates as of Sept. 30, 2026)
City	Per month	Per year	ZIP codes
Fort Pierce, FL	$1,631	$19,571	8
Miami, FL	$1,494	$17,930	54
Homestead, FL	$1,445	$17,342	6
Vero Beach, FL	$1,445	$17,338	6
Hialeah, FL	$1,440	$17,275	7
Delray Beach, FL	$1,418	$17,019	5
West Palm Beach, FL	$1,413	$16,957	12
Boca Raton, FL	$1,409	$16,911	9
Boynton Beach, FL	$1,371	$16,457	6
Port St. Lucie, FL	$1,332	$15,980	6

City guides

Find more cities in home insurance cost by city.

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 car insurance rates and 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.

Home insurance guides

Is it covered?

Risks and safety

Price and policy

Frequently asked questions about home insurance

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.

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.

Is home insurance required?

No state law requires it, but mortgage lenders require it until the loan is paid off, and they generally require flood insurance in high-risk flood zones.

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).

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.

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.

When should I shop for home insurance?

Before you buy a home, at every renewal, and after a big change such as a new roof, a claim or a rate increase. Quotes take a few minutes and don’t change your current policy.

How we calculated these prices

We priced the same house, apartment and condo with the major insurers in each of the 13,199 ZIP codes in our data across all 50 states and D.C., using licensed insurance rate data from Quadrant Information Services, with rates as of Sept. 30, 2026. Each state figure is the average of its ZIP-code averages, the 50-states-and-D.C. figure is the average of the 51 state figures, and monthly figures are yearly figures divided by 12. These are sample prices, not quotes or offers.

Full details

The homes we priced

Home (HO-3, a standard homeowners policy): Our sample home is 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 for covered losses other than a hurricane. Our price requests also set a 2% hurricane deductible, the same setting in every state. The owner is 40, single, has good credit and no claims in 10 years.
Renters (HO-4, a renters policy): Our sample renter lives in an apartment built in 2005 and insures $40,000 of belongings with $300,000 liability and a $1,000 deductible. The renter is 40, single, with good credit and no claims.
Condo (HO-6, a condo unit-owner policy): Our sample condo is a 2,000-square-foot unit in a building built in 2005, with $60,000 of coverage for the unit, $60,000 for belongings, $300,000 liability and a $1,000 deductible. Same owner profile as the home.
All three are in protection class 3 (a fire-protection rating), 1,000 feet from a hydrant and 3 miles from a fire station, with the distance to the coast set at 10 miles in every state, so differences between places come from how each insurer prices them.

How the averages work: for each insurer and ZIP code we used its lowest eligible price, averaged the insurers in each ZIP code, then averaged the ZIP codes in each state, so every ZIP code counts the same. The figure for the 50 states and D.C. is a simple average of the 51 state figures, so each state counts once whatever its size. City figures average the ZIP codes of each main post-office city with at least 5 ZIP codes priced.

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 leads the next insurer by at least 5% but not more than 30%.

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.

Cities and insurers: cities are the 292 main post-office cities with at least 5 ZIP codes priced. The insurer counts above cover the 26 places where one insurer clearly priced lowest for our sample house.

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

Ready to compare

Home Insurance: Compare Costs and Free Quotes

Compare Home Insurance Quotes