The Brief

Just like almost everything else, the cost of home insurance is up.

Bankrate recently compiled the average home insurance cost for each state, with the national average landing at $2,470.

True cost of home insurance in 2025 by state

By the numbers:

The average cost of home insurance has increased 9% since 2023, according to Bankrate.

California saw the fastest increase between 2023 and 2025, but that doesn’t mean it ranked the highest.

The state that had the highest average cost for home insurance was Louisiana at $6,274, and much of that is due to extreme weather conditions.

Coming in second was Nebraska at $6,425 and Florida at $5,735, both of which also experience severe weather.

"Louisiana and Florida are frequently struck by hurricanes, while Nebraska homes are at

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