The 10 Cheapest States for Home Insurance (2026)
The ten cheapest states for home insurance, ranked from July 2026 rate-filing data — with full state-by-state breakdowns.
Figures are annual premiums for a $400,000 dwelling benchmark, from insurer rate-filing data — weather risk is the dominant force in the spread. Here are the ten cheapest states as of July 2026, every figure linking to that state's full breakdown.
| # | State | Annual premium ($400K dwelling) |
|---|---|---|
| 1 | Hawaii | $900/yr |
| 2 | Vermont | $1,170/yr |
| 3 | Delaware | $1,365/yr |
| 4 | Alaska | $1,385/yr |
| 5 | New Jersey | $1,480/yr |
| 6 | New Hampshire | $1,500/yr |
| 7 | Maine | $1,525/yr |
| 8 | Nevada | $1,635/yr |
| 9 | Massachusetts | $1,645/yr |
| 10 | Washington, D.C. | $1,645/yr |
#1: Hawaii
Hawaii is one of the cheapest states in the country for home insurance, ranking #1 of 51 at $900/yr — about 64% below the national average of $2,490/yr.
#2: Vermont
Vermont is one of the cheapest states in the country for home insurance, ranking #2 of 51 at $1,170/yr — about 53% below the national average of $2,490/yr.
#3: Delaware
Delaware is one of the cheapest states in the country for home insurance, ranking #3 of 51 at $1,365/yr — about 45% below the national average of $2,490/yr.
See the full table
All 51 states are ranked on the home insurance index page. An 8x national spread means where you live matters more than any discount — but comparing carriers still saves four figures.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
Compare home insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.