Home Insurance Rates by State for 2025
Home insurance is getting more expensive—and fast. A lot of folks are wondering why their rates keep rising. Short answer: It depends a lot on where you live. So we pulled the latest numbers for 2025 to show which states’ residents are paying the most—and the least.
Top 5 States With the Highest Average Home Insurance Premiums
Big weather events (like hurricanes and tornadoes) are pushing rates through the roof in some areas. In 2025, Nebraska tops the list:
- Nebraska: $5,640
- Florida: $5,488
- Oklahoma: $4,643
- Kansas: $4,287
- Louisiana: $4,135
Data from Quadrant Information Services. Rates are accurate as of February 2025.
Top 5 States With the Lowest Average Home Insurance Premiums
On the flip side, Vermont keeps it cool and affordable:
- Vermont: $830
- Alaska: $933
- Delaware: $964
- West Virginia: $1,009
- Oregon: $1,011
Data from Quadrant Information Services. Rates are accurate as of February 2025.
Compare Homeowners Insurance Rates by State
The national average premium for homeowners insurance is $2,258 per year ($188 monthly) for $300,000 of dwelling coverage.
Click here to find out where your state lands.
What Affects Your Home Insurance Rate?
Beyond location, here’s what insurance companies look at:
- Replacement cost: This is an estimate of how much it would cost to rebuild your home.
- Age/condition: Older homes or ones with issues cost more to insure.
- Coverage and deductible: Higher deductibles = lower premiums
- Construction type: Brick homes are cheaper to insure than wood.
- Claims history: More past claims = higher rates.
- Size and occupants: Bigger home, more people = more risk.
How to Lower Your Premium
You don’t have to move to Vermont to save money. Here are some ways to bring down your home insurance premium:
- Raise your deductible (only if you’ve got the savings to cover it).
- Keep up with maintenance and add safety features.
- Work with an independent pro who can shop around for you.
Connect With an Agent in Your Area
The right coverage starts with the right agent. Plug in your zip code below to connect with a RamseyTrusted® home insurance agent who gets the needs and risks in your area.
Next Steps
- Figure out what coverage you really need.
- Bundle your policies for a better rate.
- Talk to a RamseyTrusted® pro who can do the shopping for you—no spam, no hassle.