Insurance in America is no longer a national market. It is fifty.
A homeowner in Hawaii pays an average of $605 a year. A homeowner in Florida pays $7,900 — 13.1× more, for what is often the same policy. This publication is about why.
The 10 cheapest states for homeowners insurance
The 10 most expensive states for homeowners insurance
Estimate your own number
Estimate your annual homeowners insurance premium based on home value, state, construction type, and deductible.
Calculate your renters insurance cost based on coverage amount, state, and deductible preferences.
Estimate landlord insurance premiums factoring in property value, rental income, and number of units.
Compare auto insurance costs by state, age, coverage level, and driving record.
From the editorial desk
Homeowners Insurance by State: A Complete 2026 Guide
A state-by-state breakdown of costs, coverage requirements, and the savings tips that actually move the needle.
Why Florida Insurance Costs 3× More Than Idaho
What drives the cost gap between America's most and least expensive states for property insurance — beyond hurricane risk.
Landlord Insurance vs. Homeowners Insurance
Why landlord policies cost 25% more, what extra coverage you actually get, and when to switch.