7 States with the Cheapest Home Insurance in 2026

October 18, 2024 - Burlington, Vermont: Autumn view with fall colors looking toward the northern end of Church Street Marketplace toward the church of the First Unitarian Universalist Society of Burlington, Vermont, USA.

While home insurance rates have soared over the past few years, there are a few states where homeowners are paying well below average premiums to protect their homes.

The national average home insurance premium in July was $2,490 per year for dwelling coverage of $300,000, according to the latest data from Nerd Wallet. But each state listed below pay rates that are at least $950 lower than that national average for the same coverage.