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精东影业

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Average Premiums For Homeowners And Renters 精东影业 By State, 2022 (1)
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听 Homeowners Renters 听 Homeowners Renters
State Average
premium (2)		 Rank (3) Average
premium (4)		 Rank (3) State Average
premium (2)		 Rank (3) Average
premium (4)		 Rank (3)
Alabama $1,748 13 $219 3 Montana $1,639 17 $156 31
Alaska 1,129 38 186 9 Nebraska 1,869 9 144 45
Arizona 1,018 45 163 25 Nevada 948 49 174 16
Arkansas 1,740 14 205 5 New Hampshire 1,188 36 150 40
California (5) 1,492 23 169 22 New Jersey 1,417 26 151 37
Colorado 2,079 5 158 30 New Mexico 1,322 33 177 14
Connecticut 1,814 10 175 15 New York 1,628 18 169 22
Delaware 1,103 42 147 41 North Carolina 1,621 19 170 21
D.C. 1,384 28 153 35 North Dakota 1,325 32 123 51
Florida 2,677 1 181 11 Ohio 995 47 160 27
Georgia 1,655 16 205 5 Oklahoma 2,268 4 216 4
Hawaii 1,431 25 174 16 Oregon 893 51 155 32
Idaho 1,002 46 147 41 Pennsylvania 1,120 39 151 37
Illinois 1,343 30 151 37 Rhode Island 2,074 6 181 11
Indiana 1,191 35 168 24 South Carolina 1,571 22 186 9
Iowa 1,268 34 144 45 South Dakota 1,756 12 129 50
Kansas 1,583 21 159 28 Tennessee 1,492 23 187 8
Kentucky 1,359 29 159 28 Texas (6) 2,397 3 199 7
Louisiana 2,603 2 243 2 Utah 937 50 145 43
Maine 1,077 43 145 43 Vermont 1,109 41 154 34
Maryland 1,392 27 155 32 Virginia 1,332 31 152 36
Massachusetts 1,871 8 173 18 Washington 1,151 37 162 26
Michigan 1,056 44 180 13 West Virginia 1,113 40 173 18
Minnesota 1,774 11 135 49 Wisconsin 957 48 141 48
Mississippi 1,907 7 262 1 Wyoming 1,596 20 142 47
Missouri 1,668 15 173 18 United States $1,569 听 $171 听

(1) Includes state funds, residual markets and some wind pools.
(2) Based on the HO-3 homeowner package policy for owner-occupied dwellings, 1 to 4 family units. Provides all risks coverage (except those specifically excluded in the policy) on buildings and broad named-peril coverage on personal property, and is the most common package written.
(3) Ranked from highest to lowest. States with the same premium receive the same rank.
(4) Based on the HO-4 renters insurance policy for tenants. Includes broad named-peril coverage for the personal property of tenants.
(5) Data provided by the California Department of 精东影业.
(6) Texas data were obtained from the Texas Department of 精东影业.

Note: Average premium=Premiums/exposure per house years. A house year is equal to 365 days of insured coverage for a single dwelling. The NAIC does not rank state average premiums and does not endorse any conclusions drawn from this data.

Source: National Association of 精东影业 Commissioners (NAIC). Further reprint or distribution strictly prohibited without written permission of NAIC.

 

Archived Tables

AVERAGE PREMIUMS FOR HOMEOWNERS AND RENTERS INSURANCE, BY STATE, 2007
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听 Homeowners听 Renters听 听 听Homeowners Renters听
State Average
premium (1)		 Rank (2) Average
premium (3)		 Rank State Average
premium (1)		 Rank (2) Average
premium (3)		 Rank
Alabama听 $905 12 $218 6 Montana听 $700 28 $155 26
Alaska听 861 14 175 17 Nebraska听 807 18 143 34
Arizona听 634 39 200 11 Nevada听 695 30 201 10
Arkansas听 762 22 201 10 New Hampshire听 699 29 153 28
California (4) 925 11 231 3 New Jersey听 776 20 172 18
Colorado听 826 16 172 18 New Mexico听 667 35 185 14
Connecticut听 929 10 196 12 New York听 936 9 218 6
Delaware听 559 44 155 26 North Carolina听 674 34 133 37
D.C. 1,089 4 190 13 North Dakota听 771 21 112 41
Florida (5) 1,534 1 202 9 Ohio听 540 45 162 23
Georgia听 724 24 218 6 Oklahoma听 1,054 5 223 5
Hawaii听 850 15 209 7 Oregon听 496 48 161 24
Idaho听 422 50 150 29 Pennsylvania听 689 32 144 33
Illinois听 700 28 165 22 Rhode Island听 950 8 182 15
Indiana听 647 37 169 20 South Carolina听 808 17 176 16
Iowa听 610 41 132 38 South Dakota听 618 40 113 40
Kansas听 904 13 168 21 Tennessee听 723 25 204 8
Kentucky听 578 43 143 34 Texas (6) 1,448 2 226 4
Louisiana听 1,400 3 248 2 Utah听 505 47 138 36
Maine听 596 42 142 35 Vermont听 704 27 158 25
Maryland听 692 31 147 31 Virginia听 683 33 145 32
Massachusetts听 1,023 6 223 5 Washington听 506 46 170 19
Michigan听 721 26 170 19 West Virginia听 646 38 175 17
Minnesota听 800 19 138 36 Wisconsin听 491 49 122 39
Mississippi听 1,019 7 250 1 Wyoming听 656 36 149 30
Missouri听 726 23 154 27 United States $822 听 $182 听

(1) Based on the HO-3 homeowner package policy for owner-occupied dwellings, 1 to 4 family units. Provides 鈥渁ll risks鈥 coverage (except those specifically excluded in the policy) on buildings and broad named-peril coverage on personal property, and is the most common package written.
(2) States with the same premium receive the same rank.
(3) Based on the HO-4 renters insurance policy for tenants. Includes broad named-peril coverage for the personal property of tenants.
(4) California data were provided by the California Department of 精东影业.
(5) Florida data exclude policies written by Citizens Property 精东影业 Corporation, the state's insurer of last resort, and therefore are not directly comparable with other states.
(6) The Texas Department of 精东影业 developed home insurance policy forms that are similar but not identical to the standard forms.

Note: Average premium=Premiums/exposure per house years. A house year is equal to 365 days of insured coverage for a single dwelling. The NAIC does not rank state average expenditures and does not endorse any conclusions drawn from this data.

Source: 漏 2009 National Association of 精东影业 Commissioners (NAIC). Reprinted with permission. Further reprint or distribution strictly prohibited without written permission of NAIC.

 
AVERAGE PREMIUMS FOR HOMEOWNERS AND RENTERS INSURANCE BY STATE, 2008
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听 Homeowners听 Renters听 听 听Homeowners Renters听
State Average
premium (1)		 Rank (2) Average
premium (3)		 Rank (2) State Average
premium (1)		 Rank (2) Average
premium (3)		 Rank (2)
Alabama听 $845 14 $199 11 Montana听 $721 21 $154 25
Alaska听 856 13 178 15 Nebraska听 814 16 140 31
Arizona听 628 33 202 10 Nevada听 692 24 205 8
Arkansas听 788 19 203 9 New Hampshire听 647 30 134 32
California (4) 911 10 224 3 New Jersey听 691 25 140 31
Colorado听 842 15 177 16 New Mexico听 703 23 186 14
Connecticut听 980 7 194 13 New York听 983 6 216 6
Delaware听 535 41 134 32 North Carolina听 683 26 130 35
D.C. 926 8 151 28 North Dakota听 808 17 112 38
Florida (5) 1,390 2 207 7 Ohio听 565 40 163 23
Georgia听 749 20 219 4 Oklahoma听 1,048 4 218 5
Hawaii听 862 12 202 10 Oregon听 439 44 153 26
Idaho听 387 46 152 27 Pennsylvania听 586 38 123 36
Illinois听 628 33 154 25 Rhode Island听 897 11 149 29
Indiana听 658 28 169 20 South Carolina听 789 18 173 18
Iowa听 612 34 132 33 South Dakota听 609 35 113 37
Kansas听 916 9 166 21 Tennessee听 692 24 195 12
Kentucky听 601 37 149 29 Texas (6) 1,460 1 216 6
Louisiana听 1,155 3 228 2 Utah听 432 45 134 32
Maine听 572 39 130 35 Vermont听 650 29 149 29
Maryland听 637 32 132 33 Virginia听 604 36 131 34
Massachusetts听 1,026 5 218 5 Washington听 471 43 172 19
Michigan听 715 22 174 17 West Virginia听 638 31 173 18
Minnesota听 845 14 141 30 Wisconsin听 503 42 123 36
Mississippi听 980 7 272 1 Wyoming听 676 27 155 24
Missouri听 788 19 165 22 United States $791 听 $176 听

(1) Based on the HO-3 homeowner package policy for owner-occupied dwellings, 1 to 4 family units. Provides 鈥渁ll risks鈥 coverage (except those specifically excluded in the policy) on buildings and broad named-peril coverage on personal property, and is the most common package written.
(2) States with the same premium receive the same rank.
(3) Based on the HO-4 renters insurance policy for tenants. Includes broad named-peril coverage for the personal property of tenants.
(4) California data were provided by the California Department of 精东影业.
(5) Florida data exclude policies written by Citizens Property 精东影业 Corporation, the state's insurer of last resort, and therefore are not directly comparable to other states.
(6) The Texas Department of 精东影业 developed home insurance policy forms that are similar but not identical to the standard forms.

Note: Average premium=Premiums/exposure per house years. A house year is equal to 365 days of insured coverage for a single dwelling. The NAIC does not rank state average expenditures and does not endorse any conclusions drawn from this data.

Source: 漏 2010 National Association of 精东影业 Commissioners (NAIC). Reprinted with permission. Further reprint or distribution strictly prohibited without written permission of NAIC.

 
AVERAGE PREMIUMS FOR HOMEOWNERS AND RENTERS INSURANCE BY STATE, 2009
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听 Homeowners Renters 听 Homeowners Renters
State Average
premium (1)		 Rank (2) Average
premium (3)		 Rank (2) State Average
premium (1)		 Rank (2) Average
premium (3)		 Rank (2)
Alabama听 $987 11 $216 8 Montana听 $751 27 $149 37
Alaska听 892 16 181 19 Nebraska听 849 20 143 39
Arizona听 642 39 201 14 Nevada听 703 34 202 13
Arkansas听 919 14 226 3 New Hampshire听 757 26 151 35
California (4) 922 13 218 7 New Jersey听 848 21 169 27
Colorado听 893 15 176 21 New Mexico听 751 27 188 17
Connecticut听 1,016 9 193 16 New York听 1,021 8 213 10
D.C. 1,069 6 169 27 North Carolina听 725 31 127 41
Delaware 610 41 154 33 North Dakota听 853 19 114 44
Florida (5) 1,460 2 208 12 Ohio听 613 40 173 24
Georgia听 787 24 214 9 Oklahoma听 1,123 5 220 5
Hawaii听 879 18 193 16 Oregon听 544 43 174 23
Idaho听 485 45 158 30 Pennsylvania听 694 35 143 39
Illinois听 789 23 171 26 Rhode Island听 1,069 6 182 18
Indiana听 717 32 172 25 South Carolina听 970 12 198 15
Iowa听 645 38 135 40 South Dakota听 645 38 116 43
Kansas听 991 10 172 25 Tennessee听 794 22 211 11
Kentucky听 711 33 165 28 Texas (6) 1,511 1 222 4
Louisiana听 1,430 3 245 2 Utah听 544 43 155 32
Maine听 651 37 144 38 Vermont听 717 32 157 31
Maryland听 779 25 152 34 Virginia听 734 29 150 36
Massachusetts听 1,035 7 219 6 Washington听 552 42 173 24
Michigan听 740 28 182 18 West Virginia听 671 36 175 22
Minnesota听 919 14 144 38 Wisconsin听 542 44 125 42
Mississippi听 1,185 4 251 1 Wyoming听 727 30 159 29
Missouri听 881 17 178 20 United States $880 听 $184 听

(1) Based on the HO-3 homeowner package policy for owner-occupied dwellings, 1 to 4 family units. Provides 鈥渁ll risks鈥 coverage (except those specifically excluded in the policy) on buildings and broad named-peril coverage on personal property, and is the most common package written.
(2) Ranked from highest to lowest. States with the same premium receive the same rank.
(3) Based on the HO-4 renters insurance policy for tenants. Includes broad named-peril coverage for the personal property of tenants.
(4) California data were provided by the California Department of 精东影业.
(5) Florida data exclude policies written by Citizen's Property 精东影业 Corporation, the state's insurer of last resort, and therefore are not directly comparable to other states.
(6) The Texas Department of 精东影业 developed home insurance policy forms that are similar but not identical to the standard forms.

Note: Average premium=Premiums/exposure per house years. A house year is equal to 365 days of insured coverage for a single dwelling. The NAIC does not rank state average expenditures and does not endorse any conclusions drawn from this data.

Source: 漏 2011 National Association of 精东影业 Commissioners (NAIC). Reprinted with permission. Further reprint or distribution strictly prohibited without written permission of NAIC.

 
AVERAGE PREMIUMS FOR HOMEOWNERS AND RENTERS INSURANCE BY STATE, 2010 (1)
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听 Homeowners Renters 听 Homeowners Renters
State Average
premium		 Rank (2) Average
premium		 Rank (2) State Average
premium		 Rank (2) Average
premium		 Rank (2)
Alabama听 $1,050 10 $223 6 Montana听 $783 28 $147 35
Alaska听 903 19 174 23 Nebraska听 901 20 146 36
Arizona听 666 42 197 13 Nevada听 696 38 200 12
Arkansas听 984 13 213 7 New Hampshire听 791 26 151 33
California 939 16 213 7 New Jersey听 867 22 167 26
Colorado听 926 18 177 20 New Mexico听 774 30 186 16
Connecticut听 1,052 9 194 15 New York听 1,044 11 210 9
D.C. 1,065 8 169 25 North Carolina听 757 31 128 40
Delaware 636 43 157 29 North Dakota听 895 21 115 42
Florida听 1,544 3 202 11 Ohio听 614 44 179 19
Georgia听 833 24 225 4 Oklahoma听 1,246 4 228 3
Hawaii听 938 17 184 17 Oregon听 535 48 171 24
Idaho听 500 49 160 27 Pennsylvania听 716 36 151 33
Illinois听 793 25 169 25 Rhode Island听 1,092 6 179 19
Indiana听 748 33 175 22 South Carolina听 997 12 196 14
Iowa听 679 39 143 38 South Dakota听 678 40 118 41
Kansas听 1,066 7 176 21 Tennessee听 852 23 206 10
Kentucky听 776 29 169 25 Texas 1,560 1 224 5
Louisiana听 1,546 2 234 2 Utah听 558 47 147 35
Maine听 676 41 145 37 Vermont听 730 35 154 31
Maryland听 784 27 156 30 Virginia听 753 32 152 32
Massachusetts听 1,050 10 211 8 Washington听 595 45 174 23
Michigan听 743 34 200 12 West Virginia听 699 37 177 20
Minnesota听 981 14 149 34 Wisconsin听 563 46 130 39
Mississippi听 1,217 5 252 1 Wyoming听 748 33 158 28
Missouri听 970 15 180 18 United States $909 听 $185 听

(1) Policies written by Florida鈥檚 Citizens Property 精东影业 Corporation and the Louisiana Citizens Property 精东影业 Corporation are not included. Other southeastern states have wind pools in operation and their data may not be included in this chart.
(2) Ranked from highest to lowest. States with the same premium receive the same rank.

Note: Average premium=Premiums/exposure per house years. A house year is equal to 365 days of insured coverage for a single dwelling. The NAIC does not rank state average expenditures and does not endorse any conclusions drawn from this data.

Source: 漏2012 National Association of 精东影业 Commissioners (NAIC). Reprinted with permission. Further reprint or distribution strictly prohibited without written permission of NAIC.

 
AVERAGE PREMIUMS FOR HOMEOWNERS AND RENTERS INSURANCE BY STATE, 2011 (1)
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听 Homeowners Renters 听 Homeowners Renters
State Average
premium (2)		 Rank (3) Average
premium (4)		 Rank (3) State Average
premium (2)		 Rank (3) Average
premium (4)		 Rank (3)
Alabama听 $1,163 6 $230 4 Montana听 $818 28 $147 40
Alaska听 924 21 171 26 Nebraska听 958 20 151 37
Arizona听 675 43 200 12 Nevada听 689 42 199 13
Arkansas听 1,029 15 220 7 New Hampshire听 811 29 152 36
California (5) 967 18 208 11 New Jersey听 915 22 168 28
Colorado听 961 19 175 23 New Mexico听 793 31 189 16
Connecticut听 1,096 10 196 15 New York听 1,097 9 210 10
Delaware 664 44 159 32 North Carolina听 869 25 132 42
D.C. 1,083 12 167 29 North Dakota听 969 17 117 43
Florida听 1,933 1 210 10 Ohio听 644 45 183 17
Georgia听 906 24 228 5 Oklahoma听 1,386 5 235 3
Hawaii听 907 23 176 22 Oregon听 559 49 170 27
Idaho听 518 50 160 31 Pennsylvania听 744 37 154 35
Illinois听 822 27 172 25 Rhode Island听 1,139 7 183 17
Indiana听 779 33 179 19 South Carolina听 1,091 11 199 14
Iowa听 713 41 149 39 South Dakota听 721 39 117 43
Kansas听 1,103 8 177 21 Tennessee听 915 22 213 9
Kentucky听 839 26 175 23 Texas (6) 1,578 3 225 6
Louisiana听 1,672 2 238 2 Utah听 563 48 147 40
Maine听 714 40 150 38 Vermont听 748 36 155 34
Maryland听 800 30 161 30 Virginia听 782 32 155 34
Massachusetts听 1,072 13 213 8 Washington听 626 46 174 24
Michigan听 774 34 208 11 West Virginia听 743 38 178 20
Minnesota听 1,056 14 150 38 Wisconsin听 592 47 133 41
Mississippi听 1,409 4 252 1 Wyoming听 770 35 156 33
Missouri听 1,022 16 182 18 United States $978 听 $187 听

(1) See previous chart for state funds and residual markets included.
(2) Based on the HO-3 homeowner package policy for owner-occupied dwellings, 1 to 4 family units. Provides 鈥渁ll risks鈥 coverage (except those specifically excluded in the policy) on buildings and broad named-peril coverage on personal property, and is the most common package written.
(3) Ranked from highest to lowest. States with the same premium receive the same rank.
(4) Based on the HO-4 renters insurance policy for tenants. Includes broad named-peril coverage for the personal property of tenants.
(5) Data provided by the California Department of 精东影业.
(6) The Texas Department of 精东影业 developed home insurance policy forms that are similar but not identical to the standard forms. In addition, due to the Texas Windstorm Association (which writes wind-only policies) classifying HO-1, 2 and 5 premiums as HO-3, the average premium for homeowners insurance is artificially high.

Note: Average premium=Premiums/exposure per house years. A house year is equal to 365 days of insured coverage for a single dwelling. The NAIC does not rank state average expenditures and does not endorse any conclusions drawn from this data.

Source: 漏2013 National Association of 精东影业 Commissioners (NAIC). Reprinted with permission. Further reprint or distribution strictly prohibited without written permission of NAIC.

 
AVERAGE PREMIUMS FOR HOMEOWNERS AND RENTERS INSURANCE BY STATE, 2012 (1)
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听 Homeowners Renters 听 Homeowners Renters
State Average
premium (2)		 Rank (3) Average
premium (4)		 Rank (3) State Average
premium (2)		 Rank (3) Average
premium (4)		 Rank (3)
Alabama听 $1,248 6 $239 3 Montana $871 29 $145 46
Alaska听 942 25 161 33 Nebraska 1,040 17 150 41
Arizona听 691 44 195 17 Nevada 674 46 193 18
Arkansas听 1,096 15 215 9 New Hampshire 848 30 150 41
California (5) 980 22 207 12 New Jersey 981 21 166 31
Colorado听 1,038 18 169 29 New Mexico 844 31 183 20
Connecticut听 1,160 9 196 15 New York 1,158 10 211 11
Delaware 678 45 153 40 North Carolina 927 26 134 48
D.C. 1,103 14 164 32 North Dakota 1,038 18 115 51
Florida听 2,084 1 217 8 Ohio 721 43 185 19
Georgia听 975 23 226 6 Oklahoma 1,501 4 234 4
Hawaii听 957 24 221 7 Oregon 567 50 168 30
Idaho听 538 51 157 36 Pennsylvania 804 36 156 37
Illinois听 881 28 171 27 Rhode Island 1,233 7 182 21
Indiana听 840 33 182 21 South Carolina 1,134 13 196 15
Iowa听 779 40 147 45 South Dakota 789 38 118 50
Kansas听 1,213 8 174 25 Tennessee 1,008 20 212 10
Kentucky听 916 27 171 27 Texas (6) 1,661 3 228 5
Louisiana听 1,742 2 242 2 Utah 580 49 145 46
Maine听 741 42 149 43 Vermont 782 39 154 39
Maryland听 837 34 160 34 Virginia听 843 32 158 35
Massachusetts听 1,150 11 206 14 Washington 648 47 173 26
Michigan听 802 37 207 12 West Virginia 771 41 176 24
Minnesota听 1,140 12 149 43 Wisconsin 631 48 130 49
Mississippi听 1,314 5 244 1 Wyoming 821 35 156 37
Missouri听 1,091 16 182 21 United States $1,034 听 $187 听

(1) See previous chart for state funds and residual markets included.
(2) Based on the HO-3 homeowner package policy for owner-occupied dwellings, one-to four-family units. Provides all risks coverage (except those specifically excluded in the policy) on buildings and broad named-peril coverage on personal property, and is the most common package written.
(3) Ranked from highest to lowest. States with the same premium receive the same rank.
(4) Based on the HO-4 renters insurance policy for tenants. Includes broad named-peril coverage for the personal property of tenants.
(5) Data provided by the California Department of 精东影业.
(6) The Texas Department of 精东影业 developed home insurance policy forms that are similar but not identical to the standard forms. In addition, due to the Texas Windstorm Association (which writes wind-only policies) classifying HO-1, 2 and 5 premiums as HO-3, the average premium for homeowners insurance is artificially high.

Note: Average premium=Premiums/exposure per house years. A house year is equal to 365 days of insured coverage for a single dwelling. The NAIC does not rank state average expenditures and does not endorse any conclusions drawn from this data.

Source: 漏 2015 National Association of 精东影业 Commissioners (NAIC). Reprinted with permission. Further reprint or distribution strictly prohibited without written permission of NAIC.

 
Average Premiums For Homeowners And Renters 精东影业 By State, 2013 (1)
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听 Homeowners Renters 听 Homeowners Renters
State Average
premium (2)		 Rank (3) Average
premium (4)		 Rank (3) State Average
premium (2)		 Rank (3) Average
premium (4)		 Rank (3)
Alabama $1,323 8 $245 4 Montana $938 29 $143 48
Alaska 980 25 168 28 Nebraska 1,151 16 149 41
Arizona 724 44 192 17 Nevada 687 46 191 18
Arkansas 1,183 14 212 9 New Hampshire 885 36 149 41
California (5) 966 26 203 13 New Jersey 1,058 21 163 31
Colorado 1,160 15 168 28 New Mexico 898 34 186 20
Connecticut 1,274 9 200 14 New York 1,213 13 209 10
Delaware 709 45 152 40 North Carolina 1,008 23 146 46
D.C. 1,150 17 158 33 North Dakota 1,078 20 113 51
Florida 2,115 1 208 11 Ohio 763 43 188 19
Georgia 1,044 22 226 6 Oklahoma 1,654 4 245 4
Hawaii 953 27 215 7 Oregon 568 50 163 31
Idaho 561 51 155 38 Pennsylvania 863 37 157 35
Illinois 938 29 172 26 Rhode Island 1,334 7 178 24
Indiana 887 35 183 21 South Carolina 1,214 12 195 16
Iowa 832 40 147 43 South Dakota 915 31 120 50
Kansas 1,343 6 176 25 Tennessee 1,090 19 213 8
Kentucky 981 24 170 27 Texas (6) 1,837 2 247 2
Louisiana 1,822 3 246 3 Utah 609 49 146 46
Maine 776 42 147 43 Vermont 814 41 153 39
Maryland 904 33 158 33 Virginia听 911 32 156 36
Massachusetts 1,263 10 198 15 Washington 676 47 165 30
Michigan 839 39 204 12 West Virginia 844 38 179 22
Minnesota 1,222 11 147 43 Wisconsin 665 48 130 49
Mississippi 1,395 5 250 1 Wyoming 952 28 156 36
Missouri 1,143 18 179 22 United States $1,096 听 $188 听

(1) Includes state funds and residual markets.
(2) Based on the HO-3 homeowner package policy for owner-occupied dwellings, 1 to 4 family units. Provides all risks coverage (except those specifically excluded in the policy) on buildings and broad named-peril coverage on personal property and is the most common package written.
(3) Ranked from highest to lowest. States with the same premium receive the same rank.
(4) Based on the HO-4 renters insurance policy for tenants. Includes broad named-peril coverage for the personal property of tenants.
(5) Data provided by the California Department of 精东影业.
(6) The Texas Department of 精东影业 developed home insurance policy forms that are similar but not identical to the standard forms. In addition, due to the Texas Windstorm Association (which writes wind-only policies) classifying HO-1, 2 and 5 premiums as HO-3, the average premium for homeowners insurance is artificially high.

Note: Average premium=Premiums/exposure per house years. A house year is equal to 365 days of insured coverage for a single dwelling. The NAIC does not rank state average expenditures and does not endorse any conclusions drawn from this data.

Source: 漏 2016 National Association of 精东影业 Commissioners (NAIC). Reprinted with permission. Further reprint or distribution strictly prohibited without written permission of NAIC.

 
Average Premiums For Homeowners And Renters 精东影业 By State, 2014 (1)
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听 Homeowners Renters 听 Homeowners Renters
State Average
premium (2)		 Rank (3) Average
premium (4)		 Rank (3) State Average
premium (2)		 Rank (3) Average
premium (4)		 Rank (3)
Alabama $1,340 8 $245 5 Montana $1,003 27 $142 48
Alaska 976 30 168 30 Nebraska 1,226 15 150 42
Arizona 765 44 195 16 Nevada 704 46 190 19
Arkansas 1,252 13 213 8 New Hampshire 905 36 145 45
California (5) 974 31 203 12 New Jersey 1,092 21 168 31
Colorado 1,273 11 174 27 New Mexico 937 35 191 18
Connecticut 1,337 9 205 10 New York 1,256 12 205 11
Delaware 736 45 154 39 North Carolina 1,056 23 155 38
D.C. 1,151 18 160 34 North Dakota 1,136 20 114 51
Florida 2,055 1 202 14 Ohio 797 43 188 20
Georgia 1,089 22 226 6 Oklahoma 1,772 4 248 4
Hawaii 1,018 26 210 9 Oregon 574 51 164 32
Idaho 590 50 156 37 Pennsylvania 893 37 158 35
Illinois 987 29 177 26 Rhode Island 1,398 7 179 25
Indiana 944 33 187 21 South Carolina 1,240 14 194 17
Iowa 853 40 146 44 South Dakota 995 28 120 50
Kansas 1,431 6 179 24 Tennessee 1,139 19 215 7
Kentucky 1,023 24 169 28 Texas (6) 1,947 2 259 2
Louisiana 1,847 3 255 3 Utah 634 49 145 46
Maine 811 42 147 43 Vermont 844 41 152 41
Maryland 942 34 161 33 Virginia听 946 32 157 36
Massachusetts 1,314 10 198 15 Washington 695 47 169 29
Michigan 865 39 203 13 West Virginia 877 38 180 23
Minnesota 1,219 16 144 47 Wisconsin 686 48 132 49
Mississippi 1,447 5 262 1 Wyoming 1,021 25 154 40
Missouri 1,199 17 181 22 United States $1,132 听 $190 听

(1) Includes state funds and residual markets.
(2) Based on the HO-3 homeowner package policy for owner-occupied dwellings, 1 to 4 family units. Provides all risks coverage (except those specifically excluded in the policy) on buildings and broad named-peril coverage on personal property, and is the most common package written.
(3) Ranked from highest to lowest. States with the same premium receive the same rank.
(4) Based on the HO-4 renters insurance policy for tenants. Includes broad named-peril coverage for the personal property of tenants.
(5) Data provided by the California Department of 精东影业.
(6) The Texas Department of 精东影业 developed home insurance policy forms that are similar but not identical to the standard forms. In addition, due to the Texas Windstorm Association (which writes wind-only policies) classifying HO-1, 2 and 5 premiums as HO-3, the average premium for homeowners insurance is artificially high.

Note: Average premium=Premiums/exposure per house years. A house year is equal to 365 days of insured coverage for a single dwelling. The NAIC does not rank state average expenditures and does not endorse any conclusions drawn from this data.

Source: 漏2017 National Association of 精东影业 Commissioners (NAIC). Reprinted with permission. Further reprint or distribution strictly prohibited without written permission of NAIC.

 
Average Premiums For Homeowners And Renters 精东影业 By State, 2015 (1)
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听

听 Homeowners Renters 听 Homeowners Renters
State Average
premium (2)		 Rank (3) Average
premium (4)		 Rank (3) State Average
premium (2)		 Rank (3) Average
premium (4)		 Rank (3)
Alabama $1,358 12 $242 3 Montana $1,081 25 $147 45
Alaska 982 32 172 27 Nebraska 1,360 11 149 43
Arizona 810 45 191 17 Nevada 737 48 189 19
Arkansas 1,312 14 235 6 New Hampshire 941 36 150 42
California (5) 986 30 202 10 New Jersey 1,149 21 171 29
Colorado 1,383 9 166 31 New Mexico 982 32 191 17
Connecticut 1,411 8 201 12 New York 1,287 15 202 10
Delaware 780 46 156 35 North Carolina 1,075 26 154 39
D.C. 1,196 19 158 34 North Dakota 1,200 18 114 51
Florida 1,993 1 195 15 Ohio 819 43 185 21
Georgia 1,152 20 226 7 Oklahoma 1,879 4 242 3
Hawaii 1,014 29 201 12 Oregon 643 51 166 31
Idaho 692 49 155 37 Pennsylvania 913 38 156 35
Illinois 1,033 28 173 26 Rhode Island 1,446 7 179 24
Indiana 983 31 183 22 South Carolina 1,284 16 192 16
Iowa 919 37 146 47 South Dakota 1,096 23 121 50
Kansas 1,531 5 177 25 Tennessee 1,149 21 210 8
Kentucky 1,062 27 172 27 Texas (6) 1,991 2 241 5
Louisiana 1,945 3 249 2 Utah 673 50 149 43
Maine 843 42 147 45 Vermont 873 41 155 37
Maryland 982 32 161 33 Virginia 946 35 153 40
Massachusetts 1,379 10 196 14 Washington 811 44 169 30
Michigan 908 39 203 9 West Virginia 907 40 186 20
Minnesota 1,323 13 144 48 Wisconsin 750 47 132 49
Mississippi 1,508 6 262 1 Wyoming 1,088 24 153 40
Missouri 1,253 17 180 23 United States $1,173 听 $188 听

(1) Includes state funds, residual markets and some wind pools.
(2) Based on the HO-3 homeowner package policy for owner-occupied dwellings, 1 to 4 family units. Provides all risk coverage (except those specifically excluded in the policy) on buildings and broad named-peril coverage on personal property, and is the most common package written.
(3) Ranked from highest to lowest. States with the same premium receive the same rank.
(4) Based on the HO-4 renters insurance policy for tenants. Includes broad named-peril coverage for the personal property of tenants.
(5) Data provided by the California Department of 精东影业.
(6) The Texas Department of 精东影业 developed home insurance policy forms that are similar but not identical to the standard forms. In addition, due to the Texas Windstorm Association (which writes wind-only policies) classifying HO-1, 2 and 5 premiums as HO-3, the average premium for homeowners insurance is artificially high.

Note: Average premium=Premiums/exposure per house years. A house year is equal to 365 days of insured coverage for a single dwelling. The NAIC does not rank state average expenditures and does not endorse any conclusions drawn from this data.

Source: 漏 2017 National Association of 精东影业 Commissioners (NAIC). Reprinted with permission. Further reprint or distribution strictly prohibited without written permission of NAIC.

 
Average Premiums For Homeowners And Renters 精东影业 By State, 2016 (1)
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听

听 Homeowners Renters 听 Homeowners Renters
State Average
premium (2)		 Rank (3) Average
premium (4)		 Rank (3) State Average
premium (2)		 Rank (3) Average
premium (4)		 Rank (3)
Alabama听 $1,386 12 $245 4 Montana $1,130 23 $145 44
Alaska听 974 34 148 43 Nebraska 1,402 11 141 46
Arizona听 803 46 181 19 Nevada 742 48 182 17
Arkansas听 1,348 13 223 7 New Hampshire 965 36 154 37
California (5) 1,000 32 200 9 New Jersey 1,174 22 163 27
Colorado听 1,446 10 156 36 New Mexico 996 33 198 10
Connecticut听 1,455 8 196 14 New York 1,309 15 198 10
Delaware 816 45 159 30 North Carolina 1,098 26 157 33
D.C. 1,225 19 163 27 North Dakota 1,239 18 113 51
Florida听 1,918 3 181 19 Ohio 850 43 182 17
Georgia听 1,200 20 230 6 Oklahoma 1,875 4 247 3
Hawaii听 1,026 29 154 37 Oregon 659 51 159 31
Idaho听 703 49 150 41 Pennsylvania 927 39 157 33
Illinois听 1,042 28 167 26 Rhode Island 1,496 7 180 22
Indiana听 1,003 31 179 23 South Carolina 1,285 16 188 16
Iowa听 945 38 141 46 South Dakota 1,125 24 114 50
Kansas听 1,548 5 177 24 Tennessee 1,185 21 207 8
Kentucky听 1,085 27 169 25 Texas (6) 1,937 2 241 5
Louisiana听 1,967 1 252 2 Utah 664 50 141 46
Maine听 866 42 151 39 Vermont 898 41 158 31
Maryland听 1,022 30 161 29 Virginia听 966 35 151 39
Massachusetts听 1,451 9 198 10 Washington 822 44 157 33
Michigan听 952 37 197 13 West Virginia 917 40 196 14
Minnesota听 1,340 14 142 45 Wisconsin 762 47 132 49
Mississippi听 1,525 6 275 1 Wyoming 1,120 25 150 41
Missouri听 1,280 17 181 19 United States $1,192 听 $185 听

(1) Includes state funds, residual markets and some wind pools.
(2) Based on the HO-3 homeowner package policy for owner-occupied dwellings, 1 to 4 family units. Provides all risks coverage (except those specifically excluded in the policy) on buildings and broad named-peril coverage on personal property, and is the most common package written.
(3) Ranked from highest to lowest. States with the same premium receive the same rank.
(4) Based on the HO-4 renters insurance policy for tenants. Includes broad named-peril coverage for the personal property and liability of tenants.
(5) Data provided by the California Department of 精东影业.
(6) The Texas Department of 精东影业 developed home insurance policy forms that are similar but not identical to the standard forms. In addition, due to the Texas Windstorm Association (which writes wind-only policies) classifying HO-1, 2 and 5 premiums as HO-3, the average premium for homeowners insurance is artificially high.

Note: Average premium=Premiums/exposure per house years. A house year is equal to 365 days of insured coverage for a single dwelling. The NAIC does not rank state average expenditures and does not endorse any conclusions drawn from this data.

Source: 漏 2018 National Association of 精东影业 Commissioners (NAIC). Reprinted with permission. Further reprint or distribution strictly prohibited without written permission of NAIC.

 
Average Premiums For Homeowners And Renters 精东影业 By State, 2017 (1)
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听

听 Homeowners Renters 听 Homeowners Renters
State Average
premium (2)		 Rank (3) Average
premium (4)		 Rank (3) State Average
premium (2)		 Rank (3) Average
premium (4)		 Rank (3)
Alabama听 $1,433 12 $235 3 Montana $1,174 24 $146 45
Alaska听 959 37 166 28 Nebraska 1,481 10 143 47
Arizona听 825 46 178 20 Nevada 755 48 178 20
Arkansas听 1,373 13 212 7 New Hampshire 972 35 149 42
California (5) 1,008 32 182 17 New Jersey 1,192 23 165 29
Colorado听 1,495 8 159 33 New Mexico 1,017 31 187 15
Connecticut听 1,479 11 192 11 New York 1,309 15 194 9
Delaware 833 45 159 33 North Carolina 1,086 28 157 37
D.C. 1,235 20 158 35 North Dakota 1,253 19 120 51
Florida听 1,951 2 188 12 Ohio 862 43 175 22
Georgia听 1,267 18 219 6 Oklahoma 1,885 4 236 2
Hawaii听 1,102 27 185 16 Oregon 677 51 163 30
Idaho听 730 49 153 39 Pennsylvania 931 40 158 35
Illinois听 1,056 29 167 27 Rhode Island 1,551 6 182 18
Indiana听 1,000 33 174 23 South Carolina 1,269 17 188 12
Iowa听 964 36 144 46 South Dakota 1,202 21 123 50
Kansas听 1,584 5 172 25 Tennessee 1,196 22 199 8
Kentucky听 1,109 26 168 26 Texas (6) 1,893 3 232 5
Louisiana听 1,968 1 235 3 Utah 692 50 151 41
Maine听 882 42 149 42 Vermont 918 41 155 38
Maryland听 1,037 30 161 32 Virginia听 999 34 152 40
Massachusetts听 1,488 9 194 9 Washington 854 44 163 30
Michigan听 942 38 182 18 West Virginia 940 39 188 12
Minnesota听 1,348 14 140 48 Wisconsin 779 47 134 49
Mississippi听 1,537 7 258 1 Wyoming 1,156 25 147 44
Missouri听 1,285 16 173 24 United States $1,211 听 $180 听

(1) Includes state funds, residual markets and some wind pools.
(2) Based on the HO-3 homeowner package policy for owner-occupied dwellings, 1 to 4 family units. Provides all risks coverage (except those specifically excluded in the policy) on buildings and broad named-peril coverage on personal property, and is the most common package written.
(3) Ranked from highest to lowest. States with the same premium receive the same rank.
(4) Based on the HO-4 renters insurance policy for tenants. Includes broad named-peril coverage for the personal property and liability of tenants.
(5) Data provided by the California Department of 精东影业.
(6) Texas data were obtained from the Texas Department of 精东影业.

Note: Average premium=Premiums/exposure per house years. A house year is equal to 365 days of insured coverage for a single dwelling. The NAIC does not rank state average expenditures and does not endorse any conclusions drawn from this data.

Source: 漏 2019 National Association of 精东影业 Commissioners (NAIC). Reprinted with permission. Further reprint or distribution strictly prohibited without written permission of NAIC.

 
Average Premiums For Homeowners And Renters 精东影业 By State, 2018 (1)
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听

听 Homeowners Renters 听 Homeowners Renters
State Average
premium (2)		 Rank (3) Average
premium (4)		 Rank (3) State Average
premium (2)		 Rank (3) Average
premium (4)		 Rank (3)
Alabama $1,409 13 $222 5 Montana $1,237 22 $147 45
Alaska 984 36 175 22 Nebraska 1,569 9 149 42
Arizona听 843 46 175 22 Nevada 776 48 182 18
Arkansas听 1,419 12 211 7 New Hampshire 984 36 148 44
California (5) 1,073 31 178 21 New Jersey 1,209 24 160 32
Colorado听 1,616 7 164 29 New Mexico 1,075 30 186 13
Connecticut听 1,494 11 188 12 New York 1,321 16 189 10
Delaware 873 45 157 35 North Carolina 1,103 28 158 34
D.C. 1,264 21 157 35 North Dakota 1,293 18 126 51
Florida听 1,960 2 185 14 Ohio 874 44 169 26
Georgia听 1,313 17 214 6 Oklahoma 1,944 4 236 2
Hawaii听 1,140 27 181 19 Oregon 706 51 161 30
Idaho听 772 49 152 40 Pennsylvania 943 40 157 35
Illinois听 1,103 28 166 27 Rhode Island 1,630 5 185 14
Indiana听 1,030 33 172 24 South Carolina 1,284 19 184 17
Iowa听 987 35 144 47 South Dakota 1,280 20 127 50
Kansas听 1,617 6 172 24 Tennessee 1,232 23 195 8
Kentucky听 1,152 26 166 27 Texas (6) 1,955 3 225 4
Louisiana听 1,987 1 234 3 Utah 730 50 155 38
Maine听 905 42 149 42 Vermont 935 41 153 39
Maryland听 1,071 32 161 30 Virginia听 1,026 34 152 40
Massachusetts听 1,543 10 191 9 Washington 881 43 160 32
Michigan听 981 38 185 14 West Virginia 970 39 189 10
Minnesota听 1,400 14 140 49 Wisconsin 814 47 143 48
Mississippi听 1,578 8 252 1 Wyoming 1,187 25 146 46
Missouri听 1,383 15 179 20 United States $1,249 听 $179 听

(1) Includes state funds, residual markets and some wind pools.
(2) Based on the HO-3 homeowner package policy for owner-occupied dwellings, 1 to 4 family units. Provides all risks coverage (except those specifically excluded in the policy) on buildings and broad named-peril coverage on personal property, and is the most common package written.
(3) Ranked from highest to lowest. States with the same premium receive the same rank.
(4) Based on the HO-4 renters insurance policy for tenants. Includes broad named-peril coverage for the personal property of tenants.
(5) Data provided by the California Department of 精东影业.
(6) Texas data were obtained from the Texas Department of 精东影业.

Note: Average premium=Premiums/exposure per house years. A house year is equal to 365 days of insured coverage for a single dwelling. The NAIC does not rank state average expenditures and does not endorse any conclusions drawn from this data.

Source: 漏 2020 National Association of 精东影业 Commissioners (NAIC). Reprinted with permission. Further reprint or distribution strictly prohibited without written permission of NAIC.

 
Average Premiums For Homeowners And Renters 精东影业 By State, 2019 (1)
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听

听 Homeowners Renters 听 Homeowners Renters
State Average
premium (2)		 Rank (3) Average
premium (4)		 Rank (3) State Average
premium (2)		 Rank (3) Average
premium (4)		 Rank (3)
Alabama听 $1,463 12 $219听 5 Montana $1,287 19 $149听 40
Alaska听 962 38 182听 14 Nebraska 1,564 9 144听 46
Arizona听 850 46 164听 24 Nevada 791 48 179听 19
Arkansas听 1,456 13 208听 7 New Hampshire 1,021 34 146听 45
California (5) 1,177 28 175听 20 New Jersey 1,237 23 156听 35
Colorado听 1,618 7 159听 28 New Mexico 1,126 30 186听 10
Connecticut听 1,531 10 183听 13 New York 1,357 16 185听 11
Delaware 908 43 153听 36 North Carolina 1,193 26 159听 29
D.C. 1,275 20 158听 30 North Dakota 1,236 24 115听 51
Florida听 1,988 3 180听 18 Ohio 853 45 163听 26
Georgia听 1,362 15 209听 6 Oklahoma 2,000 2 235听 3
Hawaii听 1,182 27 174听 21 Oregon 727 51 158听 31
Idaho听 799 47 148听 43 Pennsylvania 955 39 153听 37
Illinois听 1,054 33 157听 32 Rhode Island 1,731 5 182听 16
Indiana听 983 36 164听 25 South Carolina 1,303 17 182听 17
Iowa听 913 42 132听 48 South Dakota 1,218 25 117听 50
Kansas听 1,519 11 167听 23 Tennessee 1,259 21 189听 8
Kentucky听 1,172 29 162听 27 Texas (6) 1,982 4 220听 4
Louisiana听 2,037 1 236听 2 Utah 743 50 149听 41
Maine听 936 41 149听 39 Vermont 947 40 151听 38
Maryland听 1,125 31 157听 33 Virginia听 1,080 32 149听 42
Massachusetts听 1,617 8 186听 9 Washington 908 44 157听 34
Michigan听 999 35 182听 15 West Virginia 968 37 185听 12
Minnesota听 1,433 14 135听 47 Wisconsin 750 49 127听 49
Mississippi听 1,622 6 252听 1 Wyoming 1,244 22 147听 44
Missouri听 1,299 18 173听 22 United States $1,272听 听 $174 听

(1) Includes state funds, residual markets and some wind pools.
(2) Based on the HO-3 homeowner package policy for owner-occupied dwellings, 1 to 4 family units. Provides all risks coverage (except those specifically excluded in the policy) on buildings and broad named-peril coverage on personal property, and is the most common package written.
(3) Ranked from highest to lowest. States with the same premium receive the same rank.
(4) Based on the HO-4 renters insurance policy for tenants. Includes broad named-peril coverage for the personal property of tenants.
(5) Data provided by the California Department of 精东影业.
(6) Texas data were obtained from the Texas Department of 精东影业.

Note: Average premium=Premiums/exposure per house years. A house year is equal to 365 days of insured coverage for a single dwelling. The NAIC does not rank state average expenditures and does not endorse any conclusions drawn from this data.

Source: 漏2022 National Association of 精东影业 Commissioners (NAIC). Reprinted with permission. Further reprint or distribution strictly prohibited without written permission of NAIC.

 
Average Premiums For Homeowners And Renters 精东影业 By State, 2020 (1)
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听

听 Homeowners Renters 听 Homeowners Renters
State Average
premium (2)		 Rank (3) Average
premium (4)		 Rank (3) State Average
premium (2)		 Rank (3) Average
premium (4)		 Rank (3)
Alabama听 $1,501听 10 $225听 4 Montana $1,347听 16 $153听 27
Alaska听 听989听 37 186听 9 Nebraska 1,586听 8 143听 33
Arizona听 听866听 45 164听 19 Nevada 824听 46 179听 14
Arkansas听 听1,498听 11 210听 7 New Hampshire 1,048听 33 147听 31
California (5) 1,241听 23 171听 18 New Jersey 1,277听 21 154听 26
Colorado听 听1,667听 7 161听 21 New Mexico 1,151听 29 180听 13
Connecticut听 听1,582听 9 180听 13 New York 1,356听 15 173听 16
Delaware 907听 43 151听 29 North Carolina 1,119听 31 160听 22
D.C. 1,229听 25 159听 23 North Dakota 1,230听 24 116听 38
Florida听 听2,165听 1 182听 11 Ohio 871听 44 162听 20
Georgia听 听1,403听 14 212听 6 Oklahoma 2,040听 2 226听 3
Hawaii听 听1,245听 22 176听 15 Oregon 735听 50 154听 26
Idaho听 听810听 47 148听 30 Pennsylvania 967听 40 152听 28
Illinois听 听1,144听 30 157听 25 Rhode Island 1,788听 5 183听 10
Indiana听 听1,021听 34 164听 19 South Carolina 1,327听 17 186听 9
Iowa听 听998听 36 136听 34 South Dakota 1,222听 26 118听 37
Kansas听 听1,478听 13 162听 20 Tennessee 1,296听 20 187听 8
Kentucky听 听1,174听 27 157听 25 Texas (6) 2,000听 4 216听 5
Louisiana听 听2,038听 3 247听 2 Utah 764听 48 147听 31
Maine听 听956听 41 148听 30 Vermont 984听 38 151听 29
Maryland听 听1,169听 28 160听 22 Virginia听 听1,107听 32 152听 28
Massachusetts听 听1,667听 7 172听 17 Washington 937听 42 158听 24
Michigan听 听1,002听 35 181听 12 West Virginia 974听 39 179听 14
Minnesota听 听1,481听 12 134听 35 Wisconsin 762听 49 128听 36
Mississippi听 听1,674听 6 256听 1 Wyoming 1,308听 18 146听 32
Missouri听 听1,301听 19 172听 17 United States $1,311听 听 $173 听

(1) Includes state funds, residual markets and some wind pools.
(2) Based on the HO-3 homeowner package policy for owner-occupied dwellings, 1 to 4 family units. Provides all risks coverage (except those specifically excluded in the policy) on buildings and broad named-peril coverage on personal property, and is the most common package written.
(3) Ranked from highest to lowest. States with the same premium receive the same rank.
(4) Based on the HO-4 renters insurance policy for tenants. Includes broad named-peril coverage for the personal property of tenants.
(5) Data provided by the California Department of 精东影业.
(6) Texas data were obtained from the Texas Department of 精东影业.

Note: Average premium=Premiums/exposure per house years. A house year is equal to 365 days of insured coverage for a single dwelling. The NAIC does not rank state average expenditures and does not endorse any conclusions drawn from this data.

Source: 漏2022 National Association of 精东影业 Commissioners (NAIC). Reprinted with permission. Further reprint or distribution strictly prohibited without written permission of NAIC.

 
Average Premiums For Homeowners And Renters 精东影业 By State, 2021 (1)
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听

听 Homeowners Renters 听 Homeowners Renters
State Average
premium (2)		 Rank (3) Average
premium (4)		 Rank (3) State Average
premium (2)		 Rank (3) Average
premium (4)		 Rank (3)
Alabama 1,610 12 222 3 Montana 1,471 15 154 31
Alaska 1,067 35 184 8 Nebraska 1,684 9 141 46
Arizona 917 46 160 25 Nevada 863 48 175 14
Arkansas 1,611 11 206 5 New Hampshire 1,090 34 145 42
California (5) 1,403 20 177 13 New Jersey 1,309 23 151 34
Colorado 1,802 6 159 27 New Mexico 1,229 30 175 14
Connecticut 1,651 10 171 18 New York 1,455 17 164 22
Delaware 988 44 144 44 North Carolina 1,192 33 164 22
D.C. 1,272 25 150 36 North Dakota 1,256 27 114 51
Florida 2,437 1 175 14 Ohio 920 45 160 25
Georgia 1,466 16 205 6 Oklahoma 2,155 3 221 4
Hawaii 1,299 24 172 17 Oregon 793 50 150 36
Idaho 884 47 146 40 Pennsylvania 1,014 40 147 39
Illinois 1,223 31 154 31 Rhode Island 1,900 5 178 12
Indiana 1,058 36 162 24 South Carolina 1,432 18 184 8
Iowa 1,043 37 135 47 South Dakota 1,270 26 117 50
Kansas 1,491 14 159 27 Tennessee 1,368 21 183 10
Kentucky 1,232 29 156 30 Texas (6) 2,146 4 204 7
Louisiana 2,259 2 243 2 Utah 831 49 145 42
Maine 996 42 146 40 Vermont 1,025 38 150 36
Maryland 1,238 28 152 33 Virginia 1,199 32 151 34
Massachusetts 1,712 8 168 21 Washington 1,001 41 159 27
Michigan 993 43 179 11 West Virginia 1,016 39 170 20
Minnesota 1,607 13 132 48 Wisconsin 780 51 127 49
Mississippi 1,766 7 258 1 Wyoming 1,432 18 142 45
Missouri 1,340 22 171 18 United States $1,411 听 $170 听

(1) Includes state funds, residual markets and some wind pools.
(2) Based on the HO-3 homeowner package policy for owner-occupied dwellings, 1 to 4 family units. Provides all risks coverage (except those specifically excluded in the policy) on buildings and broad named-peril coverage on personal property, and is the most common package written.
(3) Ranked from highest to lowest. States with the same premium receive the same rank.
(4) Based on the HO-4 renters insurance policy for tenants. Includes broad named-peril coverage for the personal property of tenants.
(5) Data provided by the California Department of 精东影业.
(6) Texas data were obtained from the Texas Department of 精东影业.

Note: Average premium=Premiums/exposure per house years. A house year is equal to 365 days of insured coverage for a single dwelling. The NAIC does not rank state average premiums and does not endorse any conclusions drawn from this data.

Source: National Association of 精东影业 Commissioners (NAIC). Further reprint or distribution strictly prohibited without written permission of NAIC.