What does this site show for my area?

Search your ZIP code, city or county to see statewide average home insurance premiums (NAIC data), local housing and hazard data (Census ACS and FEMA National Risk Index), and, where available, licensed local insurance agencies.

Where do the premium numbers come from?

Statewide average annual homeowners (HO-3) premiums come from the NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance report, 2023 data.

Why do premiums vary so much by state?

Premiums reflect each state's mix of housing stock, rebuilding costs, and exposure to hazards such as hurricanes, wildfire, hail and winter weather, which the FEMA National Risk Index scores county by county.

Do I need to create an account to see the data?

No. State, county and city cost and risk data is free to browse. A free account is only needed to reveal the contact details of licensed local insurance agencies where we have that data.

Is this site an insurance company or agent?

No. HomeInsuranceQts is an independent data resource. We publish public data (NAIC, Census, FEMA) and, where available, directory information for licensed insurance agencies; we do not sell insurance ourselves.

Home Insurance Quotes

Don't you want to protect the very thing that provides you shelter and protection all year. Owning a home can be a great experience until something devastating happens such as a tornado. Getting the right insurance protection will allow you to sleep better at night knowing your largest investment is protected.

Buying home insurance online has never been easier but what if you still want the loyalty and personalized service of a local insurance agent. At HomeInsuranceQts.com we know that most people want a local agent but also want to save the most money on insurance.

We offer a fast, secure and free process to get quotes from multiple insurance agents and companies so you can get the best deal. By saving you a lot of money and still getting the service you want.

Start with your zip code
Complete the secure application
Save money by comparing quotes

Spend a few minutes online with us and we promise you will save money on your insurance. Your home is probably your biggest asset and you need to protect it with the best and most affordable home insurance available.

Don't let the next big storm catch you off guard, get your new policy today.

Why use HomeInsuranceQts.com?

With the ability to shop for most things online it is only fitting that there is a safe and secure way to find cheaper home insurance. We only deal with the nation's best insurance carriers which provide you the best policy and agent experience.

Within a few minutes you can get up to five different quotes from competing agents. Insurance rates continually change and this is why most consumers are able to save hundreds of dollars by switching their policies. Find out what we can save you today!

HomeInsuranceQts.com offers a simple and secure way to shop for home insurance. With our free online quoting service you can get 5 insurance quotes in less than 5 minutes.

Auto Insurance Nationwide

We offer home insurance quotes in all 50 states. By partnering with leading insurance companies and agents we are able to find you the best policy at the lowest premium.

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Find Home Insurance Information for Your City

Search your city or town to see it listed on our state-by-state home insurance guide.

Home Insurance by State

Browse statewide average annual homeowners (HO-3) premiums for all 50 states, based on the NAIC's 2023 Homeowners Report.

Alabama $1,906 avg.
Alaska $1,216 avg.
Arizona $1,194 avg.
Arkansas $1,870 avg.
California $1,655 avg.
Colorado $2,492 avg.
Connecticut $2,036 avg.
Delaware $1,196 avg.
District of Columbia $1,545 avg.
Florida $2,779 avg.
Georgia $1,828 avg.
Hawaii $1,549 avg.
Idaho $1,135 avg.
Illinois $1,480 avg.
Indiana $1,259 avg.
Iowa $1,342 avg.
Kansas $1,733 avg.
Kentucky $1,525 avg.
Louisiana $3,027 avg.
Maine $1,150 avg.
Maryland $1,578 avg.
Massachusetts $2,134 avg.
Michigan $1,110 avg.
Minnesota $1,988 avg.
Mississippi $2,029 avg.
Missouri $1,589 avg.
Montana $1,768 avg.
Nebraska $2,142 avg.
Nevada $1,013 avg.
New Hampshire $1,300 avg.
New Jersey $1,551 avg.
New Mexico $1,490 avg.
New York $1,801 avg.
North Carolina $1,852 avg.
North Dakota $1,414 avg.
Ohio $1,116 avg.
Oklahoma $2,486 avg.
Oregon $1,003 avg.
Pennsylvania $1,217 avg.
Rhode Island $2,396 avg.
South Carolina $1,753 avg.
South Dakota $1,614 avg.
Tennessee $1,649 avg.
Texas $2,864 avg.
Utah $1,107 avg.
Vermont $1,215 avg.
Virginia $1,537 avg.
Washington $1,232 avg.
West Virginia $1,179 avg.
Wisconsin $923 avg.
Wyoming $1,853 avg.

How It Works

Start with your zip code or city. Use the boxes above to find your area.
See local costs. Compare statewide average home insurance premiums for where you live.
Get your quotes. Complete the secure application and compare offers from multiple agents.

Frequently Asked Questions

What does this site show for my area?: Search your ZIP code, city or county to see statewide average home insurance premiums (NAIC data), local housing and hazard data (Census ACS and FEMA National Risk Index), and, where available, licensed local insurance agencies.
Where do the premium numbers come from?: Statewide average annual homeowners (HO-3) premiums come from the NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance report, 2023 data.
Why do premiums vary so much by state?: Premiums reflect each state's mix of housing stock, rebuilding costs, and exposure to hazards such as hurricanes, wildfire, hail and winter weather, which the FEMA National Risk Index scores county by county.
Do I need to create an account to see the data?: No. State, county and city cost and risk data is free to browse. A free account is only needed to reveal the contact details of licensed local insurance agencies where we have that data.
Is this site an insurance company or agent?: No. HomeInsuranceQts is an independent data resource. We publish public data (NAIC, Census, FEMA) and, where available, directory information for licensed insurance agencies; we do not sell insurance ourselves.