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

August 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 -8.7 %
Nevada -5.9 %
New York -5.5 %
Delaware -5.4 %
Kansas -4.4 %
Largest Rate Increases
Montana 11.1 %
Idaho 9.7 %
Louisiana 8.1 %
Connecticut 7.3 %
Mississippi 6.6 %
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.

 

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