The cost of your homeowners insurance will be determined by your location, house size, and the amount of coverage you require. We analyzed pricing data from 145 insurance companies to bring you the average homeowners insurance cost in each state, as well as the largest cities in the United States.

How much is homeowners insurance in your state?

The location of your home has a significant impact on the cost of your homeowners insurance. Hover your mouse over your state on the map below to see how much home insurance costs on average.

The average cost of homeowners insurance varies greatly. According to our research, the average cost of home insurance in some states, including Hawaii, Delaware, and Vermont, is less than $1,000. Meanwhile, annual rates in other states, such as Kansas, Oklahoma, and Texas, can exceed $3,000 on average.

The following table shows the average annual and monthly home insurance costs by state.

Here are the cheapest states for homeowners insurance:

1. Hawaii: $483 a year, or about $40 a month, on average.
2. Delaware: $747 a year, or about $62 a month, on average.
3. Vermont: $801 a year, or about $67 a month, on average.
4. New Hampshire: $806 a year, or about $67 a month, on average.
5. Pennsylvania: $872 a year, or about $73 a month, on average.

These are the most expensive states for homeowners insurance:

1. Kansas: $3,644 a year, or about $304 a month, on average.
2. Oklahoma: $3,548 a year, or about $296 a month, on average.
3. Texas: $3,257 a year, or about $271 a month, on average.
4. Nebraska: $3,201 a year, or about $267 a month, on average.
5. Arkansas: $2,684 a year, or about $224 a month, on average.

How much is home insurance in your city?

We examined prices in the 20 largest metropolitan areas in the United States to determine the average cost of homeowners insurance in each city. Houston had the highest average rate, at $3,835 per year. Meanwhile, Philadelphia has the lowest average annual rate on the list, at $1,060.

Average homeowners insurance cost by company

We examined average rates at nine of the ten largest homeowners insurance companies in the United States based on market share (pricing data for Liberty Mutual was unavailable).

Travelers had the lowest annual rate on the list, with an average annual rate of $1,425. American Family, on the other hand, is the most expensive, with an average annual rate of $2,323.

The following are the annual average home insurance rates for the major insurance companies. It should be noted that some companies may not provide homeowners insurance in your state.

What is included in a home insurance rate?

Homeowners insurance policies usually include the following six standard coverage areas:

• Dwelling. This covers damage to your home caused by a covered incident, such as a fire or a windstorm.
• Personal property. This covers your personal belongings in the event they are stolen or damaged.
• Other structures. This applies to structures on your property that are not attached to your home, such as a fence or shed.
• Loss of use, or additional living expenses coverage, will pay for you to stay elsewhere when your home is uninhabitable due to covered damage.
• Personal liability insurance protects you if you injure someone or cause accidental property damage.
• Medical payments will cover medical expenses for anyone injured on your property, regardless of fault.

What factors affect the cost of homeowners insurance?

Insurers use a variety of factors to determine homeowners insurance rates. Here are a few examples of the most common:

Your home. Older homes are more expensive to insure because they lack the safety features found in newer homes, and repairs can be costly. Even if your house is brand new, the materials used in its construction will affect the cost of your homeowners insurance. Concrete houses, for example, are typically less expensive to insure than wood houses because they are stronger and less prone to fire damage.

Where you live is one of the biggest factors in the cost of your home insurance. Details such as how close you live to the coast, crime rates in your neighborhood, distance from a fire station, and whether you live in an area prone to storms or earthquakes all have an impact on your insurance rate.

Your roof. Home insurers are concerned about the condition and construction of your roof. A roof made of asphalt, for example, may get you a lower rate because it isn't as flammable as other materials.

Renovations. Certain home improvements, such as making your home more energy efficient, may result in lower homeowners insurance costs.

Your dog. If you have a dog that is classified as an aggressive breed, the cost of your home insurance may rise — or you may be denied coverage entirely.

Special features. Swimming pools, trampolines, and other special features with a high potential for injury can raise the cost of your homeowners insurance.

Your coverage's limitations. The higher your liability and property coverage limits, the higher your home insurance premiums may be.

Your deductible. A higher deductible equals a lower homeowners insurance premium. Just make sure you have enough cash on hand to cover the cost if you need to file a claim.

Your claims history. If you have a history of homeowner's insurance claims, you will almost certainly pay a higher rate.

Your credit history. Lowering your homeowners insurance rates is a result of having good credit.

Home insurance discounts. Many insurers provide discounts to customers in order to help them save money on homeowners insurance, such as:

• Multiple policies. You may be able to save money if you combine your homeowners insurance with another product, such as car insurance.
• Safety and security devices. Many home insurers provide a discount if your home is equipped with fire alarms, deadbolts, security cameras, and other security devices.
• Claims-free. Many insurers provide a discount to homeowners who have not filed a claim in the last three to five years.