Top 10 States with the Largest Homeowner Insurance Premium Increases (2024–2025)

Homeowners in some states are facing significantly higher insurance costs compared with the national average of $2,397 per year for a $300,000 property. This table highlights the 10 states with the steepest premium increases between 2024 and summer 2025, showing how regional risk and market dynamics are driving rising costs.

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Nebraska and Louisiana lead the list, with average homeowner insurance premiums of $6,366 and $6,184, respectively—more than double the national benchmark of $2,397. These high costs reflect regional risk factors and insurance market pressures.

Chart: Storm Law Partners Source: BankrateCreated with Datawrapper