Home insurance calculator
Estimate your annual premium in 10 seconds — no email, no phone number. We start from your state's real market average for a $400K dwelling and adjust for rebuild cost, deductible, roof age and claims history.
Estimate your home insurance premium
Real California market rates, adjusted for your house — no email required
Estimate scales California's market average ($400K dwelling benchmark) by rebuild cost, deductible, roof age and claims history using published adjustment factors. Actual quotes also depend on construction type, wildfire/wind zone, credit (in most states) and carrier appetite — in high-risk ZIP codes carriers can differ by thousands for identical coverage.
We may earn a commission if you request quotes through this link, at no cost to you. It never affects the data we publish.
What the big carriers charge
For the same benchmark house, published carrier averages span nearly 70% — and in high-risk ZIP codes the gap widens to thousands of dollars. No carrier is cheapest everywhere; the ranking below reshuffles completely by state.
| Carrier | National avg ($400K dwelling, annual) | vs U.S. average | |
|---|---|---|---|
| State Farm | $1,980/yr | -20% vs US avg | Get quotes → |
| USAA — military members & families only | $2,140/yr | -14% vs US avg | Get quotes → |
| Erie — 12 states + D.C. only | $2,250/yr | -10% vs US avg | Get quotes → |
| Allstate | $2,470/yr | -1% vs US avg | Get quotes → |
| Nationwide | $2,740/yr | +10% vs US avg | Get quotes → |
| Farmers | $3,090/yr | +24% vs US avg | Get quotes → |
| Travelers | $3,320/yr | +33% vs US avg | Get quotes → |
National market averages compiled July 2026 from published rate analyses; your quote will differ. Quote links go to our comparison partner and may earn us a commission at no cost to you.
Where your state fits
Home insurance has the widest geographic spread of any policy we track: $900/yr in Hawaii versus $7,255/yr in Oklahoma. See all 51 ranked on the home insurance by state page.
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.
Home insurance calculator FAQ
How much is home insurance per month?
The U.S. average is $2,490 a year — about $208 a month — for a $400,000 dwelling. But state averages span an 8x range, from under $1,000 a year in Hawaii to over $8,000 in Oklahoma, because severe-weather exposure dominates pricing.
What does this calculator actually adjust for?
Four factors with published, well-documented effects: rebuild cost (premiums scale nearly linearly with dwelling coverage), deductible ($5,000 vs $500 saves roughly 25%), roof age (a 20-year-old roof adds ~18%, and some carriers won't write it at all), and recent claims (two claims adds ~45%). Wind/hail zone, construction type and credit matter too — that's what real quotes capture.
Why did home insurance get so expensive?
Three compounding forces: rebuilding costs rose ~40% since 2020, severe-weather losses (hail, wind, wildfire) hit records, and reinsurance — insurance for insurers — repriced sharply. States with hurricane or tornado exposure absorbed most of it, which is why Gulf and Plains states now average 2–3x the national figure.
How do I lower my home insurance premium?
In order of typical impact: shop 3+ carriers every renewal (loyalty is penalized, not rewarded), raise your deductible to $2,500+, bundle with auto (5–25% off both), harden the house (impact-resistant roof, water sensors, monitored alarm — each earns credits), and avoid filing small claims, since a $2,000 claim can cost more than that in surcharges over three years.