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Homeowners Insurance Quick Links

Did You Know?

Colorado is in the
top 10 states with catastrophe-related homeowners insurance claims.

Cost of Homeowners Insurance

Rates vary according to how likely it is a claim will be filed and how much it will likely cost. For example, a homeowner living in a wildfire-prone area would pay a higher insurance rate than a homeowner living in a low risk area.

How your insurance rates are set also depends in part on which state you live in, because rates are regulated on a state-by-state basis. The insurer has to follow the regulations of the state you live in. For more information on insurance rating and regulation, click here.

Click on your state below to contact your state insurance department.

Colorado | New Mexico | Utah | Wyoming

Cost of Homeowners Insurance by State

The following chart is based on the latest data from the National Association of Insurance Commissioners on 2015 premiums.

State 2015 Average Premium 2015 Rank
Alabama $1,358 12
Alaska $982 32
Arizona $810 44
Arkansas $1,312 14
California $986 30
Colorado $1,383 9
Connecticut $1,411 8
Delaware $780 46
D.C. $1,196 19
Florida $1,993 1
Georgia $1,152 20
Hawaii $1,014 29
Idaho $692 49
Illinois $1,033 28
Indiana $983 31
Iowa $919 37
Kansas $1,531 5
Kentucky $1,062 27
Louisiana $1,945 3
Maine $843 42
Maryland $982 32
Massachusetts $1,379 10
Michigan $908 39
Minnesota $1,323 13
Mississippi $1,508 6
Missouri $1,253 17
Montana $1,081 25
Nebraska $1,360 11
Nevada $737 48
New Hampshire $941 36
New Jersey $1,149 21
New Mexico $982 32
New York $1,287 15
North Carolina $1.025 26
North Dakota $1,200 18
Ohio $819 43
Oklahoma $1,879 4
Oregon $643 51
Pennsylvania $913 38
Rhode Island $1,446 7
South Carolina $1,284 16
South Dakota $1.096 23
Tennessee $1,149 21
Texas $1,991 2
Utah $673 50
Vermont $873 41
Virginia $946 35
Washington $811 44
West Virginia $907 40
Wisconsin $750 47
Wyoming $1,088 24
United States $1,173 N/A

Additional Information
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