The Average Cost of Home Insurance in 2026
National average annual premium: $1,820 ($152/mo). Up 8.4% YoY but decelerating from the 12% jump in 2025.
Updated May 21, 2026 · Methodology
| Metric | Avg monthly | Avg annual | YoY change |
|---|---|---|---|
| Standard HO-3 policy | $152 | $1,820 | +8.4% |
| Median replacement cost | — | $420K | +5.2% |
| Median deductible | — | $1,000 | flat |
| Median dwelling coverage | — | $380K | +5.2% |
- MetricStandard HO-3 policyAvg monthly$152Avg annual$1,820YoY change+8.4%
- MetricMedian replacement costAvg monthly—Avg annual$420KYoY change+5.2%
- MetricMedian deductibleAvg monthly—Avg annual$1,000YoY changeflat
- MetricMedian dwelling coverageAvg monthly—Avg annual$380KYoY change+5.2%
The U.S. average annual home insurance premium is approximately $1,820 ($152/month)for standard HO-3 coverage on a $420K-replacement-cost home with $1,000 deductible. Premiums rose 8.4% year-over-year through Q1 2026 — meaningfully less than the 12% jump in 2025, as reinsurance markets stabilized and construction-cost inflation slowed.
State spread is dramatic: Vermont averages $868/yr; Florida averages $2,840/yr. The 3× spread reflects the underlying CAT exposure differences. Your individual premium depends most on your ZIP, replacement cost, roof age, claim history, and distance to fire hydrant + station.
- Premiums up 30% cumulative since 2022 — driven by reinsurance + construction-cost inflation.
- CAT-prone states (FL, LA, TX, OK) lead the most-expensive list every year.
- Cheapest carriers undercut the national average by ~20% — comparison saves $300+/yr for most.
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Average cost by home value
| Replacement cost | Avg annual | Typical deductible | vs. $420K baseline |
|---|---|---|---|
| $200K | $1,140 | $1,000 | −37% |
| $300K | $1,520 | $1,000 | −16% |
| $420K | $1,820 | $1,000 | baseline |
| $500K | $2,160 | $1,500 | +19% |
| $750K | $2,940 | $2,500 | +62% |
| $1M | $4,200 | $5,000+ | +131% |
| $1.5M+ | $6,800+ | specialty | specialty markets only |
- Replacement cost$200KAvg annual$1,140Typical deductible$1,000vs. $420K baseline−37%
- Replacement cost$300KAvg annual$1,520Typical deductible$1,000vs. $420K baseline−16%
- Replacement cost$420KAvg annual$1,820Typical deductible$1,000vs. $420K baselinebaseline
- Replacement cost$500KAvg annual$2,160Typical deductible$1,500vs. $420K baseline+19%
- Replacement cost$750KAvg annual$2,940Typical deductible$2,500vs. $420K baseline+62%
- Replacement cost$1MAvg annual$4,200Typical deductible$5,000+vs. $420K baseline+131%
- Replacement cost$1.5M+Avg annual$6,800+Typical deductiblespecialtyvs. $420K baselinespecialty markets only
Average cost by roof age
Roof age is one of the most actionable rate factors. Carriers in hail-prone states (TX, OK, KS, NE) increasingly use steep roof-age surcharges.
| Roof age | Avg annual | vs. new roof |
|---|---|---|
| 0–5 years | $1,640 | −10% |
| 6–10 years | $1,756 | −4% |
| 11–15 years | $1,820 | baseline |
| 16–20 years | $1,978 | +9% |
| 21–25 years | $2,184 | +20% |
| 25+ years | $2,420+ | +33% (or non-renewal in hail belt) |
- Roof age0–5 yearsAvg annual$1,640vs. new roof−10%
- Roof age6–10 yearsAvg annual$1,756vs. new roof−4%
- Roof age11–15 yearsAvg annual$1,820vs. new roofbaseline
- Roof age16–20 yearsAvg annual$1,978vs. new roof+9%
- Roof age21–25 yearsAvg annual$2,184vs. new roof+20%
- Roof age25+ yearsAvg annual$2,420+vs. new roof+33% (or non-renewal in hail belt)
Average cost by claim history
A single claim in the last 5 years typically adds 20% to your premium; two claims push the rate substantially higher, and some carriers won’t quote 3+ recent claims.
| Claim history | Avg annual | vs. clean |
|---|---|---|
| No claims (5+ yrs) | $1,712 | −6% (claim-free discount) |
| 1 claim | $1,820 | baseline |
| 1 claim + 1 inquiry | $1,968 | +8% |
| 2 claims | $2,302 | +27% |
| 3+ claims | $2,840+ | +56% (or non-renewal in many markets) |
- Claim historyNo claims (5+ yrs)Avg annual$1,712vs. clean−6% (claim-free discount)
- Claim history1 claimAvg annual$1,820vs. cleanbaseline
- Claim history1 claim + 1 inquiryAvg annual$1,968vs. clean+8%
- Claim history2 claimsAvg annual$2,302vs. clean+27%
- Claim history3+ claimsAvg annual$2,840+vs. clean+56% (or non-renewal in many markets)
See your real rate
National average is a starting point. Get binding quotes for your specific home.
Above or below the national average?
- Below national avg + good claim history = you're right.
- Below avg + recent claim = your carrier may have lost track. Verify discounts.
- 15% above avg with new roof + clean history = shop now.
- 30%+ above avg with clean home = almost certainly overpaying.
- Above avg in a CAT zone is normal.
- Above avg with old roof = expected; replace roof to drop premium 30%+.
- Above avg with recent claim = expected for 3–5 years.
- Above avg + non-renewal threat = move quickly to find new carrier.
Frequently asked questions
Why have home insurance rates gone up so much?
Why is the average so much higher in some states?
What's "average" calculated against?
Will rates keep going up in 2027?
How can I get my rate below the average?
Sources
- NAIC — Homeowners Insurance Database Report
- Insurance Information Institute — Premium Trends
- Insurance Research Council — 2026 Annual Report
Methodology
Averages are medians across 380K shopper-submitted home-insurance binding quotes through Insurances Quote (Jan 2024 – May 2026), blended with publicly filed state-DOI rate data. Profile normalized: 3-BR, 1,800 sq ft single-family home, $420K replacement cost, $1,000 deductible, standard HO-3 form.
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