The States With the Highest Home Insurance Premiums, Ranked. See Where Illinois Lands.

Illinois homeowners pay an average of $2,592 a year for home insurance, according to Insurify’s state-by-state analysis.

Some states pay more than double that for the same coverage.

These are the states with the highest home insurance premiums, and where Illinois lands.

Note: This is general information, not insurance advice. Coverage and terms are subject to change, so check the specifics with your insurer or agent.

Where These Rankings Come From

Insurify, an online marketplace that compares home insurance quotes, pulled these numbers from more than 180 insurance companies across the country.

Every state’s premium reflects the same hypothetical policy: A home built in 1980, insured for $300,000, with a $1,000 deductible and good credit.

Only the price tag changes.

That setup lets Insurify compare states fairly instead of mixing bigger, pricier homes in one state with smaller ones in another.

These are the states with the highest home insurance premiums in the country, starting with the most expensive.

1. Florida

No state charges homeowners more for coverage than Florida does.

Insurify’s data puts the average annual premium at $6,504, close to $542 a month.

Insurers price Florida policies for hurricane risk along both coasts, storm year or not.

Every zip code pays.

A homeowner far from the beach still pays more than the national average because insurers spread that cost statewide.

2. Oklahoma

Oklahoma’s average annual premium of $5,736 is the second-highest of any state, or $478 a month.

Tornado Alley cuts through the state, and hail causes much of the damage.

Roof claims pile up every spring.

Nobody’s surprised anymore.

A single hailstorm can total roofs across an entire neighborhood, and insurers price the whole state for that pattern.

3. Louisiana

Home insurance costs Louisiana homeowners $4,860 a year on average, third-highest in the nation, or $405 a month.

Hurricanes and Gulf Coast flooding are the reason insurers charge so much there.

The storms keep coming.

One major hurricane can cost insurers far more than they collect in premiums, and Louisiana’s rates reflect that risk.

4. Texas

Fourth place belongs to Texas, where the average annual premium runs $4,704, or $392 a month.

Hail causes more damage across Texas than hurricanes do in a typical year.

The numbers back it up.

Texas led the nation in hail claims State Farm paid out in 2025, with $1.4 billion, more than any other state that year.

Storms roll through the Panhandle and North Texas nearly every spring, so the price rarely surprises anyone who has lived through one.

5. Nebraska

Nebraska ranks fifth nationally for home insurance costs, with an average premium of $4,116 a year, or $343 a month.

Hail is the main reason again.

Every roof is a target.

Omaha and the rest of eastern Nebraska sit inside one of the country's most hail-prone corridors, and that shows up in every policy written there.

6. Kansas

At $4,056 a year, Kansas carries the sixth-highest home insurance premiums in the country, about $338 a month.

Kansas sits at the heart of Tornado Alley.

Hailstorms batter the state just as often as twisters do.

Rates barely move in winter.

Every spring storm season resets the math insurers use for the next year's renewal.

7. Arkansas

Arkansas home insurance bills average $3,552 a year, seventh-highest in the country, or $296 a month.

Tornadoes and severe thunderstorms move through the state nearly every spring, and insurers price for it.

Straight-line wind causes about as much damage as tornadoes do in many years.

Fewer insurers mean fewer choices.

Small Arkansas counties sometimes have only a couple of companies willing to write a policy at all, and that usually pushes the price higher.

8. Alabama

Alabama homeowners pay $3,516 a year for home insurance on average, eighth-highest in the nation, or $293 a month.

Hurricanes reach inland from Mobile Bay in many years.

Tornado outbreaks hit the northern half of the state on a near-annual basis, too.

Alabama faces two different disasters.

That combination is rare even among the states charging the most for coverage.

Where Illinois Lands in the Rankings

Illinois ranks 22nd out of 50 states for home insurance costs, with an average annual premium of $2,592, or about $216 a month.

That's below the national average of $2,844 a year.

It's also more than 28 other states pay, including neighbors like Wisconsin and Michigan.

Illinois sits in the middle.

Chicago pushes that number even higher on its own.

The city averages $2,808 a year, according to Insurify, since home values and claims both run above the statewide figure.

Why Illinois Premiums Keep Rising

Illinois premiums rose about 50% between 2021 and 2024, one of the sharpest increases in the country, according to a 2025 Consumer Federation of America report.

That's roughly double the 24% rise homeowners nationwide saw over the same three years.

State Farm's data shows Illinois paid out more than $899 million in hail claims in 2024, the second-highest total of any state that year.

Regulators finally get a say.

Gov. J.B. Pritzker signed House Bill 4273 in August 2026, and it takes effect July 1, 2027.

From then on, insurers have to give Illinois homeowners 60 days' notice before any rate increase over 10%.

The state can also order refunds if it decides a rate was excessive.

What Lowers an Illinois Homeowner's Premium

Illinois homeowners can push their premium below the state average with a few moves many homeowners never try.

Bundling home and auto with the same company is the most common discount, and the Illinois Department of Insurance recommends asking for it directly.

A written quote matters just as much.

It costs nothing to ask.

The department tells homeowners to request identical coverage and limits from every agent, so quotes compare apples to apples instead of one agent trimming coverage to win the sale.