FILE - Houses and vehicles are seen in the flooded Lower Ninth Ward Sept. 24, 2005 in New Orleans, Louisiana. (Photo by Ethan Miller/Getty Images)
Just like almost everything else, the cost of home insurance is up.
Bankrate recently compiled the average home insurance cost for each state, with the national average landing at $2,470.
True cost of home insurance in 2025 by state
By the numbers:
The average cost of home insurance has increased 9% since 2023, according to Bankrate.
California saw the fastest increase between 2023 and 2025, but that doesn’t mean it ranked the highest.
The state that had the highest average cost for home insurance was Louisiana at $6,274, and much of that is due to extreme weather conditions.
Coming in second was Nebraska at $6,425 and Florida at $5,735, both of which also experience severe weather.
"Louisiana and Florida are frequently struck by hurricanes, while Nebraska homes are at risk for tornado and hail damage. Extreme weather means more home insurance claims and higher premiums," Bankrate said.
Bankrate’s data took into account married homeowners with homes built in 2015, 2016 and 2017 that had good credit and the following coverage:
- Coverage A, Dwelling: $300,000
- Coverage B, Other Structures: $30,000
- Coverage C, Personal Property: $150,000
- Coverage D, Loss of Use: $60,000
- Coverage E, Liability: $500,000
- Coverage F, Medical Payments: $1,000
The Source: Information for this article was taken from data compiled by Bakrate between July 2023, July 2024 and July 2025. Rates for all ZIP codes and insurance carriers in all 50 states and Washington, D.C. was also included.