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Homeowners Insurance Rates Rise in 2025—See How Much You Pay in Every State
Not only is Louisiana the most expensive state for home insurance, it's also the state where premiums skyrocketed the most—by 38% in 2024. The average cost was $10,964. By the end of 2025, that amount is expected to climb to $13,937.
From then on, the surge of home insurance rates across the country accelerated significantly. In 2022, rates jumped by 5.4 ...
Nebraska has seen the second-largest spike in rates since 2019, with home insurance costs rising 59.9%. Illinois came in third, with an increase of 56.9%.
From 2022 to 2023, insurance premiums in Texas increased by 23%, marking the highest rise in the nation in that timespan.
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