Home / Rankings / Highest Home Insurance States with the Highest Home Insurance Costs (2026) Hurricane, tornado, and wildfire risk drive homeowners insurance premiums to eye-watering levels in some states. Florida, Texas, and Oklahoma regularly top the charts with annual premiums exceeding $3,500. Here are all 50 states ranked from most to least expensive for home insurance.
1
Florida Median: $395K Tax: 0.86% Insurance: $4,200/yr
$4,200/yr
Annual Insurance
2
Texas Median: $310K Tax: 1.8% Insurance: $3,800/yr
$3,800/yr
Annual Insurance
3
Oklahoma Median: $210K Tax: 0.88% Insurance: $3,600/yr
$3,600/yr
Annual Insurance
4
Louisiana Median: $195K Tax: 0.55% Insurance: $3,500/yr
$3,500/yr
Annual Insurance
5
Colorado Median: $520K Tax: 0.51% Insurance: $3,200/yr
$3,200/yr
Annual Insurance
6
Kansas Median: $225K Tax: 1.41% Insurance: $2,900/yr
$2,900/yr
Annual Insurance
7
Nebraska Median: $245K Tax: 1.73% Insurance: $2,800/yr
$2,800/yr
Annual Insurance
8
$2,600/yr
Annual Insurance
9
Arkansas Median: $195K Tax: 0.62% Insurance: $2,500/yr
$2,500/yr
Annual Insurance
10
Kentucky Median: $210K Tax: 0.83% Insurance: $2,400/yr
$2,400/yr
Annual Insurance
11
$2,400/yr
Annual Insurance
12
Tennessee Median: $340K Tax: 0.56% Insurance: $2,400/yr
$2,400/yr
Annual Insurance
13
$2,300/yr
Annual Insurance
14
$2,300/yr
Annual Insurance
15
California Median: $785K Tax: 0.73% Insurance: $2,200/yr
$2,200/yr
Annual Insurance
16
Georgia Median: $340K Tax: 0.92% Insurance: $2,200/yr
$2,200/yr
Annual Insurance
17
$2,200/yr
Annual Insurance
18
Missouri Median: $235K Tax: 0.97% Insurance: $2,200/yr
$2,200/yr
Annual Insurance
19
$2,200/yr
Annual Insurance
20
Arizona Median: $380K Tax: 0.62% Insurance: $2,100/yr
$2,100/yr
Annual Insurance
21
$2,100/yr
Annual Insurance
22
Minnesota Median: $335K Tax: 1.12% Insurance: $2,100/yr
$2,100/yr
Annual Insurance
23
Montana Median: $430K Tax: 0.74% Insurance: $2,100/yr
$2,100/yr
Annual Insurance
24
New York Median: $430K Tax: 1.72% Insurance: $2,100/yr
$2,100/yr
Annual Insurance
25
$2,100/yr
Annual Insurance
26
Alabama Median: $230K Tax: 0.41% Insurance: $1,950/yr
$1,950/yr
Annual Insurance
27
Illinois Median: $270K Tax: 2.07% Insurance: $1,900/yr
$1,900/yr
Annual Insurance
28
New Mexico Median: $280K Tax: 0.8% Insurance: $1,900/yr
$1,900/yr
Annual Insurance
29
Iowa Median: $210K Tax: 1.52% Insurance: $1,800/yr
$1,800/yr
Annual Insurance
30
Michigan Median: $240K Tax: 1.54% Insurance: $1,800/yr
$1,800/yr
Annual Insurance
31
Wyoming Median: $340K Tax: 0.61% Insurance: $1,800/yr
$1,800/yr
Annual Insurance
32
Indiana Median: $240K Tax: 0.84% Insurance: $1,700/yr
$1,700/yr
Annual Insurance
33
Maryland Median: $420K Tax: 1.09% Insurance: $1,700/yr
$1,700/yr
Annual Insurance
34
Nevada Median: $425K Tax: 0.53% Insurance: $1,700/yr
$1,700/yr
Annual Insurance
35
Virginia Median: $400K Tax: 0.82% Insurance: $1,700/yr
$1,700/yr
Annual Insurance
36
Idaho Median: $420K Tax: 0.63% Insurance: $1,600/yr
$1,600/yr
Annual Insurance
37
Washington Median: $580K Tax: 0.98% Insurance: $1,600/yr
$1,600/yr
Annual Insurance
38
New Jersey Median: $505K Tax: 2.47% Insurance: $1,500/yr
$1,500/yr
Annual Insurance
39
Alaska Median: $350K Tax: 1.19% Insurance: $1,400/yr
$1,400/yr
Annual Insurance
40
$1,400/yr
Annual Insurance
41
Ohio Median: $215K Tax: 1.56% Insurance: $1,400/yr
$1,400/yr
Annual Insurance
42
Oregon Median: $480K Tax: 0.93% Insurance: $1,400/yr
$1,400/yr
Annual Insurance
43
$1,400/yr
Annual Insurance
44
$1,400/yr
Annual Insurance
45
Delaware Median: $355K Tax: 0.56% Insurance: $1,300/yr
$1,300/yr
Annual Insurance
46
Maine Median: $350K Tax: 1.3% Insurance: $1,300/yr
$1,300/yr
Annual Insurance
47
Wisconsin Median: $280K Tax: 1.76% Insurance: $1,300/yr
$1,300/yr
Annual Insurance
48
Hawaii Median: $830K Tax: 0.28% Insurance: $1,200/yr
$1,200/yr
Annual Insurance
49
Utah Median: $480K Tax: 0.58% Insurance: $1,200/yr
$1,200/yr
Annual Insurance
50
Vermont Median: $380K Tax: 1.9% Insurance: $1,100/yr
$1,100/yr
Annual Insurance
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