The 10 Most Expensive States for Home Insurance (2026)
The ten most expensive 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 most expensive states as of July 2026, every figure linking to that state's full breakdown.
| # | State | Annual premium ($400K dwelling) |
|---|---|---|
| 1 | Oklahoma | $7,255/yr |
| 2 | Nebraska | $6,015/yr |
| 3 | Kansas | $5,455/yr |
| 4 | Arkansas | $4,955/yr |
| 5 | Texas | $4,915/yr |
| 6 | Mississippi | $4,445/yr |
| 7 | Alabama | $4,285/yr |
| 8 | Tennessee | $4,220/yr |
| 9 | South Dakota | $3,965/yr |
| 10 | Colorado | $3,910/yr |
#1: Oklahoma
Oklahoma is one of the most expensive states for home insurance, ranking #51 of 51 at $7,255/yr — about 191% above the national average of $2,490/yr.
#2: Nebraska
Nebraska is one of the most expensive states for home insurance, ranking #50 of 51 at $6,015/yr — about 142% above the national average of $2,490/yr.
#3: Kansas
Kansas is one of the most expensive states for home insurance, ranking #49 of 51 at $5,455/yr — about 119% above 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.
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