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What state has the highest average home insurance premium?
I pay $1,200 a year for my home insurance, which seems super expensive! My sister told me that’s nothing compared to other states, but I don’t believe her. What state has the highest average home insurance premium?
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Your sister is right! $1,200 a year for
home insurance
is the average cost in the United States. While data varies depending on the state, most states prone to natural disasters have the highest home insurance premiums. States that most often top the list for most expensive are:
Within these states, expect home insurance premiums to be between $2,000 and $4,000.
That said, these are averages. Many different factors make up a home insurance rate, like:
- Credit history
- Location
- Home value
- Claims history
- Marital status
- Age
If you have a clean record and live in a safe area, you may end up paying significantly less than someone who has filed claims and lives in a flood zone.
Even if your rate is less or on par with the national average, it doesn’t mean you can’t save money or find a lower rate. If you want to save money on home, renters, or car insurance, the
Jerry
app is a good place to start. A licensed broker, Jerry does all the hard work of finding cheap quotes from the top name-brand insurance companies and buying new home or renters insurance. Jerry will even help you cancel your old policy.And to ensure you always have the lowest rate, Jerry will send you new quotes every time your policy comes up for renewal, so you’re always getting the coverage you want at the best price.
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- Gregory R.
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