The full 50-state table
Every figure below is the NAIC 2023 average annual HO-4 premium for that state, with the monthly equivalent and the state indexed against the $173 national average. Mississippi ($263/yr) is the priciest state in the country; South Dakota ($125/yr) is the cheapest — the priciest state costs more than double the cheapest.
| Rank | State | Avg / year | Avg / month | vs US avg |
|---|
| 1 | Mississippi | $263 | $22 | 152% |
| 2 | Louisiana | $250 | $21 | 145% |
| 3 | Oklahoma | $220 | $18 | 127% |
| 4 | Alabama | $219 | $18 | 127% |
| 5 | Arkansas | $208 | $17 | 120% |
| 6 | Georgia | $206 | $17 | 119% |
| 7 | Texas | $201 | $17 | 116% |
| 8 | Alaska | $193 | $16 | 112% |
| 9 | Tennessee | $189 | $16 | 109% |
| 10 | South Carolina | $187 | $16 | 108% |
| 11 | Florida | $186 | $16 | 108% |
| 12 | Rhode Island | $184 | $15 | 106% |
| 13 | Massachusetts | $180 | $15 | 104% |
| 14 | Hawaii | $178 | $15 | 103% |
| 15 | Michigan | $178 | $15 | 103% |
| 16 | Connecticut | $177 | $15 | 102% |
| 17 | New Mexico | $177 | $15 | 102% |
| 18 | New York | $176 | $15 | 102% |
| 19 | Nevada | $174 | $14 | 101% |
| 20 | North Carolina | $174 | $14 | 101% |
| 21 | Missouri | $173 | $14 | 100% |
| 22 | West Virginia | $172 | $14 | 99% |
| 23 | California | $171 | $14 | 99% |
| 24 | Indiana | $167 | $14 | 97% |
| 25 | Arizona | $166 | $14 | 96% |
| 26 | Colorado | $166 | $14 | 96% |
| 27 | Washington | $165 | $14 | 95% |
| 28 | Kansas | $163 | $14 | 94% |
| 29 | Montana | $163 | $14 | 94% |
| 30 | Ohio | $163 | $14 | 94% |
| 31 | Maryland | $162 | $14 | 94% |
| 32 | Kentucky | $160 | $13 | 92% |
| 33 | Oregon | $160 | $13 | 92% |
| 34 | Virginia | $158 | $13 | 91% |
| 35 | District of Columbia | $155 | $13 | 90% |
| 36 | Illinois | $155 | $13 | 90% |
| 37 | Vermont | $155 | $13 | 90% |
| 38 | New Hampshire | $153 | $13 | 88% |
| 39 | Pennsylvania | $153 | $13 | 88% |
| 40 | Idaho | $152 | $13 | 88% |
| 41 | New Jersey | $151 | $13 | 87% |
| 42 | Utah | $148 | $12 | 86% |
| 43 | Delaware | $146 | $12 | 84% |
| 44 | Maine | $146 | $12 | 84% |
| 45 | Nebraska | $146 | $12 | 84% |
| 46 | Iowa | $142 | $12 | 82% |
| 47 | Wyoming | $141 | $12 | 82% |
| 48 | Minnesota | $137 | $11 | 79% |
| 49 | Wisconsin | $133 | $11 | 77% |
| 50 | North Dakota | $127 | $11 | 73% |
| 51 | South Dakota | $125 | $10 | 72% |
| — | United States (national average) | $173 | $14 | 100% |
Output · formula · meaning
| Output | Formula | What it means |
|---|
| Avg / year | NAIC Table 5 HO-4 state average | What policyholders in that state actually paid, on average, across all coverage amounts. |
| Avg / month | annual ÷ 12 | The budget-ready monthly figure — useful for comparing against a monthly quote. |
| vs US avg | state avg ÷ $173 × 100 | How the state compares to the national benchmark. 152% = about one-and-a-half times the average. |
| Rank | sorted position of 51 | #1 = priciest state in the country; #51 = cheapest. |
Who uses this
- Moving to a new state: add the real insurance cost to your cost-of-living math — Gulf states can run double New England.
- Checking “am I overpaying?”: compare your renewal against your state's average before you accept it.
- First-time renters and students: budget the true monthly cost of a first apartment, not just rent.
- Landlords: sanity-check what proof-of-insurance requirements cost your tenants in practice.
Accuracy & limitations
These are 2023 premiums paid (the most recent year in the NAIC report published July 2026) — not 2026 quotes, and not your quote. Averages span every coverage amount sold in the state, so a bare-bones $10k policy prices below the average and a $100k policy above it. Your ZIP code, building type, deductible, credit-based insurance score, and claims history move your price far more than the state line. Figures are rounded to the nearest dollar.
Worked example: moving from Ohio to Texas
A renter moves from Ohio ($163/yr, ~$14/mo, #29) to Texas ($201/yr, ~$17/mo, #7). The state-average gap is $38 a year — about $3 a month. That is the average gap; hail and hurricane exposure in Texas means the spread between the cheapest and priciest Texas quotes is far wider than $38, so shopping three carriers matters more than the move itself.
Want your own number instead of the average? The renters insurance cost calculator builds a fair-price benchmark from your state, coverage, and deductible. For the playbook on paying less, see the guide How to lower your renters insurance cost.
Cite this calculatorBright Side Kit. “Average Renters Insurance Cost by State (2026).” brightoolbox.com, 2026.Bright Side Kit. "Average Renters Insurance Cost by State (2026)." https://brightoolbox.com/renters-insurance-by-state/ Accessed October 21, 2026.
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