Average Homeowners Insurance Rates Heat Map
Curious what your neighbors are paying for homeowners insurance or how your premium stacks up against those across the country? Take a look at the Homeowners Insurance Heat Map for a real-time snapshot of average insurance rates across the nation to get a better picture of what you should be paying for coverage.
Average Home Insurance Rates For US States
Average US Home Insurance Premiums
Reading The Heat Map: What does it mean?
You don’t necessarily have to sweat it if your state looks like a hotspot on the Heat Map. A wide variety of factors will contribute to every resident’s individual homeowners insurance premium:
- Geographic location: If you live right in the middle of Tornado Alley, a major hurricane zone or another high-risk location, you shouldn’t be too surprised to see higher local home insurance rates than other, lower-risk areas of the country.
- Local construction costs: The more it would cost to rebuild your home after a total loss, the higher your home insurance premium is likely to be.
- Local insurance requirements: While homeowners insurance is not required by law like auto insurance, it is regulated at the state level so coverages and other factors do vary by location.
- More: Click your state on the Heat Map above or call a licensed agent to learn more about how homeowners insurance rates vary by location.
Track changes in average home insurance rates
The Homeowners Insurance Heat Map is updated monthly, so you can keep an eye on average rates and make sure you’ve still got the best deal possible. If you’re in one of the hotter states with higher rates, you’ll want to be sure you’re really getting the best coverage for your money. If you’re in a cooler state with the lowest average home insurance rates, call now to lock in low monthly payments before they go up again. Call a licensed agent for a fast, free consultation to help you make smarter decisions about your policy.
Are you overpaying?
You can also easily use this map as a reference point to see how much your neighbors are paying for coverage, and how your own premium compares. If your premium is significantly higher than the state average, call a licensed agent to compare competitive rates in order to help lower your monthly payments or click your state on the map to learn more about local homeowners insurance rates and available coverage.
Do you have enough coverage?
If you’re looking at the map thinking you’ve got it great with a premium hundreds of dollars lower than the state average – something might be wrong. For example, a $400 homeowners insurance policy in Tornado Alley most likely just isn’t going to cut it. You might enjoy lower monthly payments, but when the sky goes black and the winds whip up – you’ll wish you’d invested in more. Call a licensed agent if you notice discrepancies between your premium and the state average to make sure you can count on the help you’ll need in an emergency.
About the Heat Map
The average premiums listed on this report are the average premiums sold to HomeownersInsurance.com customers over the past 12-month period in each state. HomeownersInsurance.com is part of the HomeInsurance.com, LLC marketplace selling home and auto insurance nationwide. We are partnered with the leading insurance providers in the country including Travelers, The Hartford, Safeco, Foremost, Progressive and ASI/Ark Royal. The rates listed on this page are average rates for all HomeownersInsurance.com customers and do not represent a quote for coverage. Quotes for new policies will vary.