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AVERAGE PREMIUMS FOR HOMEOWNERS AND RENTERS INSURANCE, BY STATE, 2007
  Homeowners  Renters     Homeowners Renters 
State Average
premium (1)		 Rank (2) Average
premium (3)		 Rank State Average
premium (1)		 Rank (2) Average
premium (3)		 Rank
Alabama  $905 12 $218 6 Montana  $700 28 $155 26
Alaska  861 14 175 17 Nebraska  807 18 143 34
Arizona  634 39 200 11 Nevada  695 30 201 10
Arkansas  762 22 201 10 New Hampshire  699 29 153 28
California (4) 925 11 231 3 New Jersey  776 20 172 18
Colorado  826 16 172 18 New Mexico  667 35 185 14
Connecticut  929 10 196 12 New York  936 9 218 6
Delaware  559 44 155 26 North Carolina  674 34 133 37
D.C. 1,089 4 190 13 North Dakota  771 21 112 41
Florida (5) 1,534 1 202 9 Ohio  540 45 162 23
Georgia  724 24 218 6 Oklahoma  1,054 5 223 5
Hawaii  850 15 209 7 Oregon  496 48 161 24
Idaho  422 50 150 29 Pennsylvania  689 32 144 33
Illinois  700 28 165 22 Rhode Island  950 8 182 15
Indiana  647 37 169 20 South Carolina  808 17 176 16
Iowa  610 41 132 38 South Dakota  618 40 113 40
Kansas  904 13 168 21 Tennessee  723 25 204 8
Kentucky  578 43 143 34 Texas (6) 1,448 2 226 4
Louisiana  1,400 3 248 2 Utah  505 47 138 36
Maine  596 42 142 35 Vermont  704 27 158 25
Maryland  692 31 147 31 Virginia  683 33 145 32
Massachusetts  1,023 6 223 5 Washington  506 46 170 19
Michigan  721 26 170 19 West Virginia  646 38 175 17
Minnesota  800 19 138 36 Wisconsin  491 49 122 39
Mississippi  1,019 7 250 1 Wyoming  656 36 149 30
Missouri  726 23 154 27 United States $822   $182  

(1) Based on the HO-3 homeowner package policy for owner-occupied dwellings, 1 to 4 family units. Provides “all risks” coverage (except those specifically excluded in the policy) on buildings and broad named-peril coverage on personal property, and is the most common package written.
(2) States with the same premium receive the same rank.
(3) Based on the HO-4 renters insurance policy for tenants. Includes broad named-peril coverage for the personal property of tenants.
(4) California data were provided by the California Department of °µÍø½ûÇø.
(5) Florida data exclude policies written by Citizens Property °µÍø½ûÇø Corporation, the state's insurer of last resort, and therefore are not directly comparable with other states.
(6) The Texas Department of °µÍø½ûÇø developed home insurance policy forms that are similar but not identical to the standard forms.

Note: Average premium=Premiums/exposure per house years. A house year is equal to 365 days of insured coverage for a single dwelling. The NAIC does not rank state average expenditures and does not endorse any conclusions drawn from this data.

Source: © 2009 National Association of °µÍø½ûÇø Commissioners (NAIC). Reprinted with permission. Further reprint or distribution strictly prohibited without written permission of NAIC.