The national average that Americans pay for home insurance is $2,543, according to The State of Home Insurance 2026 report published by Insurance.com.
The report found 49% of people received rate increases last year, with 43% stating they did not intend to renew their policies due to rate increases.
Among the states, Florida carries the highest home insurance average at $7,136 while Hawaii has the lowest at $659. Louisiana recorded the greatest year-over-year insurance cost increase with a 58% spike from $3,797 in 2023 to $5,986 in 2025, while North Carolina enjoyed the greatest decline with a 28% downturn from $4,338 in 2023 to $3,124 in 2025.
“Climate change- and inflation-driven rate increases have driven a decline in customer satisfaction,” said Leslie Kasperowicz, executive editor and insurance expert at Insurance.com. “Even as rates level out, homeowners will likely be searching for more ways to save in 2026.”
However, Insurance.com predicted rates might stabilize or decrease this year due to the quiet Atlantic hurricane season in 2025, regulatory changes in several states, and insurance company profits from previous rate increases over the past few years that make the need for additional hikes unnecessary.
