Homeowner guide
Homeowners insurance cost by state
Average HO-3 homeowners premiums from the NAIC for the ten states we serve, broken out by coverage amount.
HO-3 averages by state, 2023
| State | All coverage amounts | Under $150,000 | $250,000–$274,999 | $400,000–$449,999 | Rank (of 10) |
|---|---|---|---|---|---|
| Washington | $1,232 | $521 | $888 | $1,132 | 5th |
| Oregon | $1,003 | $430 | $790 | $994 | 10th |
| Idaho | $1,135 | $686 | $885 | $1,090 | 8th |
| Nevada | $1,013 | $416 | $774 | $942 | 9th |
| Arkansas | $1,870 | $1,116 | $1,741 | $2,267 | 2nd |
| Arizona | $1,194 | $655 | $992 | $1,179 | 7th |
| South Dakota | $1,614 | $986 | $1,390 | $1,705 | 3rd |
| Pennsylvania | $1,217 | $519 | $953 | $1,280 | 6th |
| Texas | $2,864 | $1,781 | $2,306 | $2,943 | 1st |
| Indiana | $1,259 | $786 | $1,137 | $1,402 | 4th |
| Countrywide | $1,737 | $954 | $1,350 | $1,679 | — |
Source: National Association of Insurance Commissioners, Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner’s Insurance Report: Data for 2023 (Table 4, HO-3 column). Report PDF.
Reading the table
State averages blend every home insured on an HO-3 form. A state with many lower-value homes can show a modest overall average even if premiums at each coverage level are high, so compare the coverage-band columns, not just the headline. Every state page lists all fifteen NAIC bands.
Texas stands apart, with the highest average at every level shown. Hail and wind across much of the state, Gulf hurricane exposure, and Texas-specific policy forms all play a part. Oregon, Nevada, and Idaho sit at the lower end overall, though wildfire, earthquake, and winter water losses still matter there.
Why your premium may differ
- Rebuild cost and square footage
- Roof age, material, and shape
- Wind, hail, and all-perils deductibles
- Local loss history and fire protection
- Claims history and other rating factors allowed by your state
- Endorsements such as water backup or extended replacement cost
State guides
Washington · Oregon · Idaho · Nevada · Arkansas · Arizona · South Dakota · Pennsylvania · Texas · Indiana
Keep reading
- Homeowners insurance cost by state
- HO-3 vs. HO-5
- Replacement cost vs. actual cash value
- Roof age and home insurance
- Wind and hail deductibles
Find your state
Frequently asked questions
Why is my quote different from the state average?
Averages blend every home, coverage amount, deductible, and location in the state. Your rebuild cost, roof, deductibles, and claims history move the price.
Why is Texas so expensive?
Texas combines widespread hail and wind, Gulf hurricane exposure, and high rebuild costs. Its 2023 HO-3 average in the NAIC report was the highest of the ten states we serve.
Where does this data come from?
NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner's Insurance Report: Data for 2023, Table 4.
Reviewed and updated October 15, 2026 · Our research methods