Compare insurance costs between any two states. See how much you could save on homeowners, renters, auto, and landlord insurance by relocating.
Insurance costs vary dramatically from state to state. A homeowner in Florida pays an average of $7,900 per year for homeowners insurance, while the same coverage in Hawaii averages just $605. Auto insurance in Michigan can exceed $3,375 annually, while Vermont drivers pay roughly $1,359. These differences add up quickly and can be a significant factor in the true cost of living in any state.
When considering a move, most people factor in housing costs, taxes, and job opportunities — but insurance is often overlooked. Across all four major insurance types (homeowners, renters, auto, and landlord), the difference between an expensive state and an affordable one can exceed $10,000 per year. Over a decade, that is more than $100,000 in savings.
States with frequent natural disasters — hurricanes in Florida and Louisiana, tornadoes in Oklahoma and Kansas, hail in Colorado and Nebraska — tend to have the highest homeowners premiums. Auto insurance is driven by factors like no-fault laws (Michigan, New York), uninsured motorist rates, population density, and litigation costs. Renters and landlord insurance follow similar geographic patterns but at different scales.
Use the calculator above to compare any two states across all four insurance types. The results show your potential annual savings, plus cumulative savings over 5 and 10 years, giving you a clearer picture of how relocation could affect your total insurance burden.
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