The South is a mixed bag for insurance costs — hurricane states are among the most expensive, while inland states offer moderate premiums.
| # | State | Total Annual | vs Avg |
|---|---|---|---|
| 1 | West Virginia | $5,660 | -38% |
| 2 | Virginia | $6,871 | -19% |
| 3 | Tennessee | $8,062 | +4% |
| 4 | South Carolina | $8,378 | +8% |
| 5 | North Carolina | $8,395 | +12% |
| 6 | Georgia | $8,448 | -4% |
| 7 | Kentucky | $9,938 | +23% |
| 8 | Alabama | $10,060 | +31% |
| 9 | Arkansas | $10,935 | +46% |
| 10 | Mississippi | $11,734 | +62% |
| 11 | Texas | $13,631 | +85% |
| 12 | Oklahoma | $15,139 | +112% |
| 13 | Louisiana | $17,617 | +135% |
| 14 | Florida | $22,001 | +204% |
The top-ranked state, West Virginia, has an average total annual insurance cost of $5,660/yr, while the bottom of this list sees costs of $22,001/yr — a difference of $16,341/yr.
The average across all states in this ranking is $11,205/yr. Use our state pages for detailed analysis and our calculators to estimate your personal premium based on your specific situation.
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