Home Insurance · Published 2026-08-27 · data as of July 2026
Every State Where Home Insurance Averages Under $1,720/yr
13 states sit at or under $1,720/yr for home insurance as of July 2026. The full list, ranked.
$1,720/yr marks the bottom quartile of the national table for home insurance. 13 states clear that bar as of July 2026 — here they all are, with links to each state's full breakdown.
| State | Annual premium ($400K dwelling) | vs U.S. average |
|---|---|---|
| Hawaii | $900/yr | -64% |
| Vermont | $1,170/yr | -53% |
| Delaware | $1,365/yr | -45% |
| Alaska | $1,385/yr | -44% |
| New Jersey | $1,480/yr | -41% |
| New Hampshire | $1,500/yr | -40% |
| Maine | $1,525/yr | -39% |
| Nevada | $1,635/yr | -34% |
| Massachusetts | $1,645/yr | -34% |
| Washington, D.C. | $1,645/yr | -34% |
| Oregon | $1,705/yr | -32% |
| New York | $1,710/yr | -31% |
| Pennsylvania | $1,720/yr | -31% |
The national average is $2,490/yr. See where your state lands on the full ranking, or estimate your own premium with the home insurance calculator.
Paying more than your state's average?
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.
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