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Rates in Your State

A Bird's Eye View of Home Insurance Rates Around the Country

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Home Insurance Rate Report

Average Home Insurance Rates


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Home Insurance Premiums: Are you paying too much?

How does your state compare? Here are the average homeowners insurance rates for policies sold during the past three months. You can also check out the most recent quarterly rates. Use this information to see whether you need to find lower home insurance quotes?

About This Data

The RateReport is a bird's eye view of home insurance rates across the country. Monthly RateReport data reflects three-month averages of home insurance policy premiums sold by representing more than 55,000 U.S. homeowners. Quarterly rates reflect the trend for the most recent quarter. For more information about this data or related media inquiries, please contact Carrie Van Brunt-Wiley at

Home Insurance Consumer Trends

43% of customers who purchased coverage during a recent quarter say that they shop for homeowners insurance quotes about once per year. The Insurance Information Institute recommends that you review your policy at least twice a year to make sure you are adequately covered and receiving all available discounts, even if you're happy with your home insurance premiums. If unhappy, you can always shop for home insurance quotes.

49% of customers who purchased coverage said their home insurance rates steadily increased with their prior carrier. Customers who use to bundle their auto and homeowners insurance policies with a single carrier reported average savings of $556/year*.

67% of customers who shopped for home insurance quotes and purchased coverage during a recent quarter reported the top reason they selected their homeowners insurance policy was an affordable premium. For a breakdown of what coverage is included with standard homeowners insurance quotes, visit Home Insurance 101. For more information about the financial strength rating of carrier partners, visit our trusted partners.

*These rates are average rates based on policies sold by over the past three months. These rates reflect policies sold by with various providers including Travelers, The Hartford, Safeco Insurance, Liberty Mutual, MetLife, Progressive, ASI/Ark Royal and Foremost. These rates may not be typical for all customers. For more information, read about factors that affect homeowners insurance rates.

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