According to the latest 2025 rates, the average home insurance cost in the U.S. is $2,397 per year, or about $200 per month.2 However, when it comes to homeowners insurance, there’s no one-size-fits-all price.
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Key Takeaways
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Homeowners insurance prices are based on many personal factors, like your home’s location and replacement cost, as well as what coverages and benefits you include in your policy.
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While increasing the amount of coverage on your policy may result in a higher cost for home insurance, it’ll also come with more protection against out-of-pocket expenses if an accident happens.
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The Hartford has compiled an insurance costs table so you can compare your price against your state’s average homeowners insurance rates.
Homeowners Insurance Cost Overview
Home insurance coverage helps cover the costs if your home or belongings are damaged in a covered incident. It also offers protection against personal liability claims if someone is hurt on your property. Coverage amounts impact how much you’ll pay for home insurance, but they’re only one of the many factors that make up your rate.
How Much Does Homeowners Insurance Cost in Your State?
Home insurance premiums can be affected by localized factors. For example, if you live within a zip code that is more susceptible to storms or natural disasters that can damage your home or things, your homeowners insurance cost may be higher. Labor costs in the area are also factored into your insurance price.
We’ve compiled an insurance costs table to give you an idea of the current average home insurance costs in your state, according to Bankrate’s latest data.3
Average Homeowners Insurance Rate by State
| State | Avg. Annual Premium | Avg. Monthly Premium | Annual Difference |
|---|---|---|---|
| Alabama | $2,961 | $247 |
+$564
|
| Alaska | $940 | $78 |
-$1,456
|
| Arizona | $2,337 | $195 |
-$59
|
| Arkansas | $3,103 | $259 |
+$707
|
| California | $1,633 | $136 |
-$764
|
| Colorado | $3,409 | $284 |
+$1,013
|
| Connecticut | $1,676 | $140 |
-$721
|
| Delaware | $966 | $80 |
-$1,431
|
| Florida | $5,728 | $477 |
+$3,331
|
| Georgia | $1,980 | $165 |
-$416
|
| Hawaii | $1,296 | $108 |
-$1,101
|
| Idaho | $1,392 | $116 |
-$1,005
|
| Illinois | $2,174 | $181 |
-$223
|
| Indiana | $1,663 | $139 |
-$733
|
| Iowa | $2,362 | $197 |
-$35
|
| Kansas | $4,414 | $368 |
+$2,018
|
| Kentucky | $3,643 | $304 |
+$1,247
|
| Louisiana | $6,184 | $515 |
+$3,787
|
| Maine | $1,218 | $102 |
-$1,178
|
| Maryland | $1,645 | $137 |
-$751
|
| Massachusetts | $1,698 | $141 |
-$699
|
| Michigan | $2,351 | $196 |
-$46
|
| Minnesota | $2,808 | $234 |
+$411
|
| Mississippi | $3,468 | $289 |
+$1,071
|
| Missouri | $2,441 | $203 |
+$44
|
| Montana | $2,798 | $233 |
+$401
|
| Nebraska | $6,366 | $531 |
+$3,970
|
| Nevada | $1,073 | $89 |
-$1,323
|
| New Hampshire | $1,040 | $87 |
-$1,357
|
| New Jersey | $1,208 | $101 |
-$1,189
|
| New Mexico | $2,222 | $185 |
-$175
|
| New York | $1,874 | $156 |
-$523
|
| North Carolina | $2,352 | $196 |
-$45
|
| North Dakota | $2,786 | $232 |
+$389
|
| Ohio | $1,395 | $116 |
-$1,002
|
| Oklahoma | $4,623 | $385 |
+$2,226
|
| Oregon | $1,068 | $89 |
-$1,328
|
| Pennsylvania | $1,251 | $104 |
-$1,145
|
| Rhode Island | $2,349 | $196 |
-$48
|
| South Carolina | $2,590 | $216 |
+$194
|
| South Dakota | $3,112 | $259 |
+$715
|
| Tennessee | $2,636 | $220 |
+$240
|
| Texas | $4,085 | $340 |
+$1,688
|
| Utah | $1,276 | $106 |
-$1,121
|
| Vermont | $831 | $69 |
-$1,566
|
| Virginia | $1,674 | $139 |
-$723
|
| Washington | $1,517 | $126 |
-$880
|
| Washington, D.C. | $1,498 | $125 |
-$899
|
| West Virginia | $1,040 | $87 |
-$1,357
|
| Wisconsin | $1,288 | $107 |
-$1,108
|
| Wyoming | $1,306 | $109 |
-$1,090
|
With AARP® Home Insurance from The Hartford,1 you can get the homeowners insurance coverage you need at a cost that works for you. The Hartford’s representatives are happy to answer your questions and help you get the policy that best fits your home at 877-422-2345.
What Factors Affect Homeowners Insurance Prices?
To determine your home insurance premium, insurance companies will often look at your home’s:
The materials used to build your home may impact your homeowners insurance cost. The more it costs to replace your home after a covered loss, the higher your property insurance likely will be. But it’s important to insure your home for the right amount, because if your policy doesn’t cover the entire cost to rebuild your home, you’ll be responsible for paying the difference.
If your home is older, you may pay higher home insurance rates. Generally, older homes are more difficult and costly to rebuild after a covered incident.
The geographic location of your home matters. If your home is on the beach, it could increase your homeowners insurance rate due to the area’s higher risk of windstorms. Alternatively, living near a fire department could make home insurance cheaper, because your homeowners insurance company may see your house as safer and easier to protect from a fire.
Your roof’s materials and design can also affect your homeowners insurance rate. For example, you may pay a higher cost if your roof is made of wood, since wood roofs are more prone to fire damage than slate. Gable roofs are more susceptible to wind damage than some other designs, which could result in higher rates.
Beyond your home’s attributes, home insurance companies also look at these factors when building your price:
Dogs
Owning a pet can have an impact on your homeowners insurance rate.
Claims History
If you’ve had several claims submitted, it can increase your homeowners insurance cost.
Credit Score
Insurance companies typically pull components from your credit report and use them to build a unique insurance score. Depending on how high or low your score is, you could pay a higher or lower rate.
How Is the Cost for Home Insurance Calculated?
Because there are many personal factors that influence home insurance prices, there is no one-size-fits-all number when it comes to calculating insurance costs. You may even have a different rate than your next-door neighbor.
Instead of calculating the cost for home insurance, you’ll want to assess how much it’ll cost to rebuild your home. That way, you won’t risk being underinsured. Otherwise, if you don’t have enough coverage and you need to rebuild your home, your insurance policy won’t help cover the entire cost.
To make sure you have the right coverage limits, you can contact your insurance company. They’ll help figure out how much it would cost to completely rebuild your home if it were destroyed in a storm, while considering local labor costs and other factors.
When deciding on coverage for your home, it’s important to remember that not all insurance companies are the same. For over 40 years, The Hartford has been securing the homes of AARP members and helping them save money along the way. Get your home insurance quote today or call us at 877-422-2345.
Save on Homeowners Insurance Costs
There are a variety of things that can help you save on your home insurance policy, including:
- Roof age: Your roof protects you and your family from all sorts of weather. Depending on how old it is, it could also save you some money on your premium. You may see some homeowners insurance rate savings if your roof is newer.
- Deductible amount: The amount you choose for your home insurance deductible on your homeowners insurance policy affects your rate. If you choose a higher deductible, you may get a reduced premium cost, but you’ll have to pay more out of pocket if a covered loss occurs.
- Discounts: The Hartford offers home insurance discounts just for AARP members. For example, you can save nearly $1,000 when you bundle your home and car insurance.** To stack your home insurance savings, extra discounts may apply if you have certain safety features in your home, like burglar alarms or fire sprinkler systems.
- Benefits: With AARP Home Insurance from The Hartford, you can extend your protection and customize your policy to help save on out-of-pocket expenses after an accident. These additional coverages range from getting a reimbursement if you need to replace your locks to reducing your deductible every year when you go three consecutive years without having a claim.
Why Choose AARP Home Insurance From The Hartford?
For over 200 years, The Hartford has protected homeowners and their properties. We’ve earned our reputation as an insurance company you can trust, which you can see from our high ratings in customer and claims service. To get your personal AARP member price, get an online quote today or call The Hartford at 877-422-2345.
Home Insurance Cost FAQs
How Much Is Normal for Homeowners Insurance?
“How much for home insurance?” We get this question a lot. While how much you’ll pay is based on factors unique to you, the current average homeowners insurance cost is around $2,397 per year, or about $200 per month.4
Will Homeowners Insurance Go Down in 2025?
Generally, the average home insurance cost has climbed over the last few years.5 But there are things you can do to keep your monthly cost down, like choosing higher deductibles or bundling your auto and home policies with The Hartford to save over $800.**
Is Homeowners Insurance Paid Monthly or Yearly?
You can pay your home insurance either yearly or in monthly installments, whatever works best for you. You can choose to pay your insurer directly or have it paid through an escrow account if you have a mortgage on your property.
Which Homeowners Insurance Is the Most Expensive?
Your home insurance cost is based on many factors. For example, if you choose to have a low deductible, your premium may be higher. And the more personalized coverages you add to your policy, the more it may cost. But in the event of an accident or disaster, you’ll be better protected.
Why Do Home Insurance Rates Increase?
Some key factors that may influence homeowners insurance rates include:6
- Increases in extreme weather events: Catastrophic weather, like hurricanes, tornadoes and severe thunderstorms, can cause damage to homes and other types of personal property, resulting in insurance losses. The more extreme weather events there are per year, the more losses there may be, which could affect homeowners insurance rates.
- Inflated material costs: Rising costs for building materials, such as concrete or lumber, may increase the cost to repair or rebuild your home. This could have an impact on your homeowners insurance premium.
What Is the 80% Rule in Homeowners Insurance?
Generally, the 80% rule means you should have your replacement cost set to at least 80% of your home’s total value. Otherwise, you risk being underinsured if something happens to your home. To protect against this, The Hartford requires all homes to be insured to 100% of their rebuilding cost.
Do I Need Flood Insurance if I Have Dwelling Coverage?
Yes, flood insurance is different than having dwelling coverage. In fact, insurance companies typically don’t offer flood coverage as part of their homeowners insurance policies. Instead, you’ll need to purchase a separate flood insurance policy through the National Flood Insurance Program (NFIP) to cover flood damage.***
Do Homeowners Insurance Policies Include Personal Liability Coverage?
Yes. The Hartford’s home insurance policies include personal liability as a standard coverage. Personal liability coverage helps protect you if:
Someone who doesn’t live with you gets injured while on your property.
You’re found liable for damaging someone else’s property.
2,3,4,5,6 Bankrate, “Average homeowners insurance cost in August 2025”
*** This is an optional coverage and may not be available in all states.
** Average annual savings are based on information reported by customers who switched to The Hartford’s newest rate plan between 9/1/24 and 8/31/25. Average auto insurance savings $597 and average home insurance savings $366. Your savings may vary. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance program from The Hartford. The Hartford does not write new business in all areas, including the states of CA and FL.
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
§§ Terms and conditions apply.
‡ Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.
‡‡ Terms and conditions apply. Availability varies by state.
‡‡‡ Based on one car and driver; individual rate/premium/savings will vary based on actual coverage selections and characteristics of vehicle(s)/driver(s).
Additional disclosures below.