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A bird's eye view of home insurance premiums across the nation

September 2009 Average Home Insurance Premiums

Roll over your state to see what homeowners in your state may be paying, on average, for homeowners insurance. For more information click a state and get home insurance data for your U.S. county and city. Please note that rates reflect average premiums on a statewide basis.

Largest Rate Decreases
South Dakota -5.4 %
Maine -4.4 %
Mississippi -3.9 %
Nebraska -3.2 %
Montana -2.4 %
Largest Rate Increases
Vermont 17.1 %
Utah 8.1 %
Connecticut 3.8 %
Idaho 3.7 %
Arkansas 2.0 %
Average Premiums
For Homeowners Countrywide
2006 $804
2005 764
2004 729
2003 668
2002 593
2001 536
2000 508

Source: © 2009 National Association of Insurance Commissioners (NAIC).

KEY:   Rate Increase   Rate Decrease   Minimal Change   Data N/A
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
Florida
Georgia
Hawaii
Idaho
 Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
 Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
 Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
**These rates are average rates based on policy premiums sold over the past 12 months. There are many factors that determine home insurance premiums and these rates may not represent the rate you will pay for homeowners insurance. For more information, read about factors that affect homeowners insurance rates.

Home Insurance Shopping Trends: Summer 2009

25% of homeowners shopping for coverage over the past month report that they look for a home insurance company that offers home insurance discounts. Home insurance discounts such as a Home-Auto Discount and Safety Device Discount can save homeowners up to 35% on their annual premium.

19% of visitors who came to our site for a home insurance quote rated their previous home insurance provider’s customer service as excellent. HomeInsurance.com customers enjoy the best customer service around because our partners are rated A (Excellent) or A+ (Superior) by A.M. Best

19% of HomeInsurance.com customers reported that affordable premiums were the most important aspect of their home insurance policy- over coverage and customer service. The Homeowners who purchased a policy through HomeInsurance.com between October 2008 and December 2008 reported an average savings of $556 a year.

Low Rates Drive Customer Purchases in 2nd Quarter

Because of the current economic recession, low cost became the top selling point for homeowners shopping for home insurance last month.

 

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