The average cost of home insurance in the U.S. is about $1,500 per year, but rates vary significantly.
National Average (Annual)
Average Monthly Cost
Average Dwelling Coverage
| State | Avg. Annual Cost |
|---|---|
| Florida | $3,643 |
| Louisiana | $2,886 |
| Oklahoma | $2,547 |
| Texas | $2,312 |
| California | $1,429 |
| New York | $1,356 |
| Ohio | $1,124 |
| Vermont | $892 |
Larger, more expensive homes cost more to insure.
Areas prone to natural disasters have higher rates.
Older homes may have outdated systems that increase risk.
More coverage means higher premiums.
Higher deductibles lower your monthly payment.
Previous claims can increase your rates.