Earthquake damage is excluded from standard homeowners insurance. States with seismic risk face unique challenges — separate quake policies or endorsements are essential.
| # | State | Homeowners | vs Avg |
|---|---|---|---|
| 1 | Oklahoma | $5,500 | +112% |
| 2 | Missouri | $2,600 | 0% |
| 3 | California | $2,100 | -19% |
| 4 | Washington | $1,550 | -40% |
| 5 | Alaska | $1,400 | -46% |
| 6 | Oregon | $1,200 | -54% |
The top-ranked state, Oklahoma, has an average homeowners insurance cost of $5,500/yr, while the bottom of this list sees costs of $1,200/yr — a difference of $4,300/yr.
The average across all states in this ranking is $2,392/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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