{"id":3316,"date":"2026-02-11T19:47:43","date_gmt":"2026-02-11T19:47:43","guid":{"rendered":"https:\/\/www.gethomeinsurancequotes.com\/blog\/?p=3316"},"modified":"2026-02-11T19:47:46","modified_gmt":"2026-02-11T19:47:46","slug":"compare-2026-homeowners-insurance-rates-in-every-state","status":"publish","type":"post","link":"https:\/\/www.gethomeinsurancequotes.com\/blog\/compare-2026-homeowners-insurance-rates-in-every-state\/","title":{"rendered":"Compare 2026 Homeowners Insurance Rates in Every State"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"612\" src=\"https:\/\/www.gethomeinsurancequotes.com\/blog\/wp-content\/uploads\/2026\/02\/2026-home-insurance-rates.jpg\" alt=\"\" class=\"wp-image-3320\" srcset=\"https:\/\/www.gethomeinsurancequotes.com\/blog\/wp-content\/uploads\/2026\/02\/2026-home-insurance-rates.jpg 1000w, https:\/\/www.gethomeinsurancequotes.com\/blog\/wp-content\/uploads\/2026\/02\/2026-home-insurance-rates-600x367.jpg 600w, https:\/\/www.gethomeinsurancequotes.com\/blog\/wp-content\/uploads\/2026\/02\/2026-home-insurance-rates-768x470.jpg 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<p>Homeowners insurance rates continue to vary widely across the United States in 2026, influenced by severe weather risks, property damage costs, litigation environments, state insurance regulations, and the availability of local carriers. Some states still pay thousands more per year than others for the&nbsp;<em>same amount of dwelling coverage<\/em>.<\/p>\n\n\n\n<p>In this article, we&nbsp;<strong>compare average homeowners insurance costs by state<\/strong>&nbsp;and highlight the&nbsp;<strong>most expensive and most affordable states<\/strong>&nbsp;for 2026, helping homeowners and buyers better understand their insurance outlook.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">National Overview: What to Expect in 2026<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The\u00a0<strong>national average<\/strong>\u00a0for standard homeowners insurance (based on a $300,000 home with a $1,000 deductible) hovers around the\u00a0<strong>mid-$2,000s annually<\/strong>, though this number varies depending on the data source and coverage assumptions.\u00a0<\/li>\n<\/ul>\n\n\n\n<p>High-risk states \u2014 especially those prone to&nbsp;<strong>hurricanes, tornadoes, hail, and wildfires<\/strong>&nbsp;\u2014 tend to have the steepest premiums.&nbsp;<\/p>\n\n\n\n<p>Many states have seen rate increases in recent years due to rising natural disaster losses, stronger building costs, and reduced insurer competition.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">2026 Average Homeowners Insurance Rates by State<\/h2>\n\n\n\n<p>Below is a table summarizing the average annual homeowners insurance premium for each state in 2026 (based on Insurance.com &amp; Insure.com data for a $300,000 dwelling policy). Where available, we\u2019ve included&nbsp;<em>estimated year-over-year rate changes<\/em>&nbsp;(most recent publicly reported changes in 2025\u201326), noting that exact change percentages vary by carrier and location.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><strong>State<\/strong><\/th><th><strong>Avg Annual Premium (2026)<\/strong><\/th><th><strong>Approx. 2025 \u2192 2026 Change<\/strong><\/th><\/tr><\/thead><tbody><tr><td>Alabama<\/td><td>$3,633<\/td><td>\u2191 modest rise (ongoing trend)<\/td><\/tr><tr><td>Alaska<\/td><td>$1,397<\/td><td>flat to slight increase<\/td><\/tr><tr><td>Arizona<\/td><td>$2,344<\/td><td>stable<\/td><\/tr><tr><td>Arkansas<\/td><td>$3,733<\/td><td>\u2191 rising trend w\/ storms<\/td><\/tr><tr><td>California<\/td><td>$1,616<\/td><td>\u2191 expected in many areas<\/td><\/tr><tr><td>Colorado<\/td><td>$4,963<\/td><td>\u2191 moderate increases<\/td><\/tr><tr><td>Connecticut<\/td><td>$1,905<\/td><td>stable<\/td><\/tr><tr><td>Delaware<\/td><td>$1,374<\/td><td>flat<\/td><\/tr><tr><td>Florida<\/td><td>$7,136<\/td><td>\u2191 continues high levels<\/td><\/tr><tr><td>Georgia<\/td><td>$2,323<\/td><td>stable<\/td><\/tr><tr><td>Hawaii<\/td><td><strong>$659<\/strong><\/td><td>flat (lowest)<\/td><\/tr><tr><td>Idaho<\/td><td>$2,240<\/td><td>stable<\/td><\/tr><tr><td>Illinois<\/td><td>$2,643<\/td><td>\u2191 moderate<\/td><\/tr><tr><td>Indiana<\/td><td>$2,887<\/td><td>stable<\/td><\/tr><tr><td>Iowa<\/td><td>$2,902<\/td><td>\u2191 notable increases<\/td><\/tr><tr><td>Kansas<\/td><td>$5,260<\/td><td>\u2191 moderate<\/td><\/tr><tr><td>Kentucky<\/td><td>$4,042<\/td><td>stable to \u2191<\/td><\/tr><tr><td>Louisiana<\/td><td>$5,986<\/td><td>\u2191 due to disaster risk<\/td><\/tr><tr><td>Maine<\/td><td>$1,335<\/td><td>flat<\/td><\/tr><tr><td>Maryland<\/td><td>$1,918<\/td><td>stable<\/td><\/tr><tr><td>Massachusetts<\/td><td>$1,483<\/td><td>flat<\/td><\/tr><tr><td>Michigan<\/td><td>$2,924<\/td><td>stable<\/td><\/tr><tr><td>Minnesota<\/td><td>$2,729<\/td><td>stable<\/td><\/tr><tr><td>Mississippi<\/td><td>$2,529<\/td><td>stable<\/td><\/tr><tr><td>Missouri<\/td><td>$3,979<\/td><td>\u2191 modest<\/td><\/tr><tr><td>Montana<\/td><td>$3,215<\/td><td>\u2191 moderate<\/td><\/tr><tr><td>Nebraska<\/td><td>$4,553<\/td><td>\u2191 some of highest increases<\/td><\/tr><tr><td>Nevada<\/td><td>$1,774<\/td><td>stable<\/td><\/tr><tr><td>New Hampshire<\/td><td>$1,300<\/td><td>flat<\/td><\/tr><tr><td>New Jersey<\/td><td>$1,421<\/td><td>stable<\/td><\/tr><tr><td>New Mexico<\/td><td>$2,869<\/td><td>stable<\/td><\/tr><tr><td>New York<\/td><td>$1,683<\/td><td>flat<\/td><\/tr><tr><td>North Carolina<\/td><td>$3,124<\/td><td>\u2191 moderate<\/td><\/tr><tr><td>North Dakota<\/td><td>$2,982<\/td><td>stable<\/td><\/tr><tr><td>Ohio<\/td><td>$2,118<\/td><td>flat<\/td><\/tr><tr><td>Oklahoma<\/td><td>$5,010<\/td><td>\u2191 weather pressures<\/td><\/tr><tr><td>Oregon<\/td><td>$1,572<\/td><td>flat<\/td><\/tr><tr><td>Pennsylvania<\/td><td>$1,529<\/td><td>flat<\/td><\/tr><tr><td>Rhode Island<\/td><td>$2,445<\/td><td>stable<\/td><\/tr><tr><td>South Carolina<\/td><td>$2,974<\/td><td>\u2191 mild<\/td><\/tr><tr><td>South Dakota<\/td><td>$3,760<\/td><td>stable<\/td><\/tr><tr><td>Tennessee<\/td><td>$2,958<\/td><td>stable<\/td><\/tr><tr><td>Texas<\/td><td>$4,085<\/td><td>\u2191 moderate<\/td><\/tr><tr><td>Utah<\/td><td>$1,814<\/td><td>flat<\/td><\/tr><tr><td>Vermont<\/td><td>$1,063<\/td><td>flat (among lowest)<\/td><\/tr><tr><td>Virginia<\/td><td>$2,074<\/td><td>stable<\/td><\/tr><tr><td>Washington<\/td><td>$1,753<\/td><td>flat<\/td><\/tr><tr><td>West Virginia<\/td><td>$1,860<\/td><td>stable<\/td><\/tr><tr><td>Wisconsin<\/td><td>$1,812<\/td><td>flat<\/td><\/tr><tr><td>Wyoming<\/td><td>$2,075<\/td><td>stable<\/td><\/tr><tr><td>Washington, D.C.<\/td><td>$1,656<\/td><td>flat<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Note on rate changes:<\/strong>&nbsp;Exact year-over-year changes vary by insurer and ZIP code. Many states saw increases in the&nbsp;<em>mid-to-high single digits<\/em>&nbsp;or higher in 2025\u201326 due to storm losses, wildfire risk, and regulatory changes.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Most Expensive States for Homeowners Insurance in 2026<\/h2>\n\n\n\n<p>Here are the&nbsp;<strong>top 5 most expensive states<\/strong>&nbsp;on average:<\/p>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<ol class=\"wp-block-list\">\n<li><strong>Florida \u2014 $7,136<\/strong>: Leads the nation thanks to hurricane, wind, and storm surge risk.\u00a0<\/li>\n<\/ol>\n\n\n\n<p>2. <strong>Louisiana \u2014 $5,986<\/strong>: High flood and storm exposure keep premiums elevated.\u00a0<\/p>\n\n\n\n<p>3. <strong>Oklahoma \u2014 $5,010<\/strong>: Tornado and hail damage drive costs up.\u00a0<\/p>\n\n\n\n<p>4. <strong>Kansas \u2014 $5,260<\/strong>: Severe storm and tornado risk contributes to high rates.\u00a0<\/p>\n\n\n\n<p>5. <strong>Nebraska \u2014 $4,553<\/strong>: Strong storm activity and hail risk put this state among the costliest.\u00a0These states tend to face some combination of\u00a0<strong>hurricanes, tornadoes, hail storms, and high rebuild costs<\/strong>, pushing insurer risk higher and premiums with them.\u00a0<\/p>\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Most Affordable States for Homeowners Insurance in 2026<\/h2>\n\n\n\n<p>Here are some of the&nbsp;<strong>most affordable states<\/strong>&nbsp;with the lowest average annual premiums:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Hawaii \u2014 $659<\/strong>: The most affordable in the nation (partly due to limited hurricane coverage in standard policies).\u00a0<\/li>\n\n\n\n<li><strong>Vermont \u2014 $1,063<\/strong>: Low disaster risk and litigation help lower costs.&nbsp;<\/li>\n\n\n\n<li><strong>New Hampshire \u2014 $1,300<\/strong>: Stable weather environment.&nbsp;<\/li>\n\n\n\n<li><strong>Maine \u2014 $1,335<\/strong>: Low catastrophic exposure.&nbsp;<\/li>\n\n\n\n<li><strong>Delaware \u2014 $1,374<\/strong>: Lower risk and competitive markets.&nbsp;Affordable states often enjoy&nbsp;<strong>fewer natural disaster threats<\/strong>&nbsp;and a more competitive insurance marketplace, leading to lower premiums for standard policies.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Key Takeaways<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>2026 premiums vary dramatically<\/strong>\u00a0\u2014 from under $700 in Hawaii to well over $5,000 in storm-prone states.\u00a0<\/li>\n<\/ul>\n\n\n\n<p><strong>Risk matters:<\/strong>&nbsp;Natural disasters, construction costs, and litigation risk are major drivers of premium differences.&nbsp;<\/p>\n\n\n\n<p><strong>Most states saw increases<\/strong>&nbsp;in the last few years, though precise change depends on insurer pricing and state trends.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Tips for Homeowners in 2026<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Compare multiple carriers<\/strong>\u00a0\u2014 premiums can vary hundreds or even thousands of dollars by company in the same state.<\/li>\n\n\n\n<li><strong>Mitigate risk<\/strong>\u00a0\u2014 updating roofing, adding storm shutters, or addressing wildfire vulnerability can often lower premiums.<\/li>\n\n\n\n<li><strong>Review policy limits<\/strong>\u00a0and deductibles annually to ensure your coverage matches your budget and replacement cost needs.<\/li>\n<\/ul>\n\n\n\n<p>Are you curious what homeowners insurance rates looked like last year for homeowners, read our article: <a href=\"https:\/\/www.gethomeinsurancequotes.com\/blog\/compare-2025-homeowners-insurance-rates-in-every-state\/\">Compare 2025 Homeowners Insurance Rates in Every State<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Homeowners insurance rates continue to vary widely across the United States in 2026, influenced by severe weather risks, property damage costs, litigation environments, state insurance regulations, and the availability of local carriers. Some states still pay thousands more per year than others for the&nbsp;same amount of dwelling coverage. In this article, we&nbsp;compare average homeowners insurance [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5,3],"tags":[1158,448,1071,284,240,65,347],"class_list":["post-3316","post","type-post","status-publish","format-standard","hentry","category-homeowners-insurance","category-news","tag-1158","tag-affordable","tag-average-premiums","tag-cost","tag-insurance-rates","tag-rates","tag-saving-money"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Compare 2026 Homeowners Insurance Rates in Every State - Homeowners Insurance Blog<\/title>\n<meta name=\"description\" content=\"Homeowners insurance rates continue to vary widely across the United States in 2026, influenced by severe weather risks, property damage costs, litigation\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.gethomeinsurancequotes.com\/blog\/compare-2026-homeowners-insurance-rates-in-every-state\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Compare 2026 Homeowners Insurance Rates in Every State - 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