Home insurance cost calculator
See what homeowners in your state paid, on average, for a policy with an amount of insurance like yours. The figures are the official averages from the National Association of Insurance Commissioners (NAIC) for 2023, the latest year published. They're averages, not a quote.
Average premium by amount of insurance
| Amount of insurance | Your state | Countrywide |
|---|
Source: NAIC, Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner's Insurance Report: Data for 2023 (July 2026), Table 4, HO-3 policies (the most common homeowners form). Averages are written premium divided by house-years (one home insured for a year) and don't include earthquake coverage. Texas figures come from the Texas Department of Insurance, whose policy forms are similar but not identical to HO-3.
What this calculator leaves out
- Where in the state your home is. NAIC notes that premiums vary widely "not only by region or state, but on local levels as well": a coastal or wildfire-prone ZIP code can cost far more than the state average.
- Your home's age, construction and roof, your claims history, your deductible and your insurer's own rates.
- Price changes since 2023.
- Separate flood or earthquake policies, which aren't part of these averages.
To lower what you pay, see our guides to wind mitigation inspections, FORTIFIED roofs and wildfire home hardening, and the hurricane deductible calculator if you're weighing a higher deductible.
Questions people ask
How much is homeowners insurance in my state?
Pick your state above. NAIC's latest figures are for 2023: the average HO-3 policy cost $1,737 a year countrywide, and the average in each state is shown in our cost by state guide. The calculator narrows that to policies with an amount of insurance like yours.
Is this a quote?
No. It's an average of what people with HO-3 policies in the same state and coverage range paid in 2023. NAIC calls average premium "an imperfect measure of the relative 'price' of insurance": your price depends on where your home is, how it's built, your claims, your deductible and the insurer.
Why do bigger coverage amounts cost more?
NAIC says that "in general, the average premium increases as the amount of coverage increases." In a few states the averages dip in some ranges; NAIC's table doesn't say why.
Why is this data from 2023?
NAIC collects the data from insurers' statistical agents and publishes it a few years later; the 2023 report came out in July 2026 and is the latest. NAIC notes that "inflation increases the amount of insurance premiums over time," so today's prices may be higher.
This calculator looks up published averages in your browser. Your choices are kept only in this browser and in a link if you copy one; nothing is sent to us.