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Home Insurance Cost by State 2023

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The average cost of homeowners insurance in the United States is $1,383 per year for $250,000 in dwelling coverage, although your actual cost may vary depending on the state where you reside.

When looking for home insurance, knowing the national average as well as how your state’s average premium compares may be a helpful reference when getting estimates for back-home insurance. The tables below provide a fast comparison of the average homeowners’ insurance between Texas, Florida, Georgia and California.

The tables below represent the annual premium for average annual premium for $250k dwelling coverages for states like Texas, Florida, Georgia, and California. Followed by the tables includes the major perils that can affect your premiums in the mentioned states.

Texas

CityAverage annual premium for $250K dwelling coverage
Arlington$2,375
Austin$1,320
Corpus Christi$1,920
Dallas$2,181
El Paso$1,119
Fort Worth$2,291
Garland$2,236
Houston$1,991
Irving$2,236
Laredo$1,387
Lubbock$2,096
Plano$2,014
San Antonio$1,464
Waco$1,698

With 118 tornadoes reported, the Lone Star State had the highest tornado activity in 2021. With 5,576 wildfires, Texas also had the second-highest number of documented wildfires in 2021. Furthermore, Texas typically reports the most hail damage claims yearly compared to all other states.

Florida

CityAverage annual premium for $250K dwelling coverage
Fort Lauderdale$2,476
Hialeah$3,319
Jacksonville$1,063
Miami$3,090
Orlando$1,432
St. Petersburg$1,122
Tampa$1,453

Despite being known as the Sunshine State, Florida records the highest rainfall in the country. It has a long coastline and a narrow shape. Much of the state is vulnerable to flooding, wind damage, and hurricanes. Thus, this makes Florida a tough market for homeowners’ insurance.

Source: Forbes Advisor

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Georgia

CityAverage annual premium for $250K dwelling coverage
Atlanta$1,386
Augusta$1,413
Columbus$1,461
Macon$1,379
Savannah$1,421

Although Georgia may not come to mind when thinking of tornadoes, it’s a common occurrence in the Peach State. Furthermore, even though only a small fraction of Georgia is on the shore, hurricane damage is typical. There are areas in the state that are also susceptible to flooding.

California

CityAverage annual premium for $250K dwelling coverage
Anaheim$1,095
Bakersfield$976
Chula Vista$984
Fontana$1,178
Fremont$899
Fresno$954
Irvine$1,085
Long Beach$1,144
Los Angeles$1,385
Modesto$918
Oakland$1,071
Riverside$1,156
Sacramento$925
San Bernardino$1,225
San Diego$974
San Francisco$1,033
San Jose$867
Santa Ana$1,064
Stockton$961

California, aka the Golden State, is renowned for its natural beauty and laid-back attitude, yet residents face several dangers. The ten most costly wildfires in American history occurred in California, where they are frequently seen. As earthquakes are another constant threat in the state, home insurance with additional Earthquake coverage is a must.

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