Average home insurance cost at ASI

The average homeowners insurance cost for a 12-month ASI Home policy from Progressive for 2019 is divided into three categories – low, medium and high cost states.

Note that the price for any state is the average cost of homeowners insurance for all states combined in a given category. For example, the average monthly price in any low-cost state may be higher or lower than $77, but the average monthly price for all of the low-cost states is $77.

See where your state ranks for average homeowners insurance price:

Low, medium or high cost Average monthly price 12-month average
Select a state
Alabama High $140 $1,677
Arizona Low $77 $926
Arkansas Medium $101 $1,213
California Medium $101 $1,213
Colorado High $140 $1,677
Connecticut High $140 $1,677
Delaware Low $77 $926
District of Columbia Low $77 $926
Florida High $140 $1,677
Georgia High $140 $1,677
Illinois High $140 $1,677
Indiana Medium $101 $1,213
Iowa Medium $101 $1,213
Kansas High $140 $1,677
Kentucky Low $77 $926
Louisiana High $140 $1,677
Maine Low $77 $926
Maryland Medium $101 $1,213
Massachusetts Medium $101 $1,213
Michigan Medium $101 $1,213
Minnesota High $140 $1,677
Mississippi High $140 $1,677
Missouri High $140 $1,677
Montana Medium $101 $1,213
Nebraska High $140 $1,677
Nevada Low $77 $926
New Jersey Medium $101 $1,213
New Mexico Medium $101 $1,213
New York Low $77 $926
North Carolina Low $77 $926
North Dakota Medium $101 $1,213
Ohio Low $77 $926
Oklahoma High $140 $1,677
Oregon Low $77 $926
Pennsylvania Low $77 $926
South Carolina Medium $101 $1,213
South Dakota Medium $101 $1,213
Tennessee Medium $101 $1,213
Texas High $140 $1,677
Utah Low $77 $926
Vermont Low $77 $926
Virginia Low, medium or high costMedium Average monthly price$101 12-month average$1,213
Washington Low $77 $926
West Virginia Low $77 $926
Wisconsin Low $77 $926

ASI homeowners insurance is not available in the following states: Alaska, Hawaii, Idaho, New Hampshire, Rhode Island, and Wyoming.

Keep checking back, because we're continuously updating this page. When researching average home insurance prices, it's important to pay attention to the source of the data and the year. Rates are always changing and any data that's several years old may not be relevant. Also, rates for other home insurers within our network may be different.

State cost information

Low-cost states: Arizona, Delaware, District of Columbia, Kentucky, Maine, Nevada, New York, North Carolina, Ohio, Oregon, Pennsylvania, Utah, Vermont, Washington, Wisconsin, and West Virginia.

  • Average monthly price: $77
  • 12-month average: $926

Medium-cost states: Arkansas, California, Iowa, Indiana, Massachusetts, Maryland, Michigan, Montana, North Dakota, New Jersey, New Mexico, South Carolina, South Dakota, Tennessee, and Virginia.

  • Average monthly price: $101
  • 12-month average: $1,213

High-cost states: Alabama, Colorado, Connecticut, Florida, Georgia, Illinois, Kansas, Louisiana, Minnesota, Mississippi, Missouri, Nebraska, Oklahoma, and Texas.

  • Average monthly price: $140
  • 12-month average: $1,677

Homeowners insurance cost factors

Many factors can impact your cost of homeowners insurance, including location, construction materials, coverage selections, prior claims, and your insurance score. See below for more information about the components affecting pricing for homeowners insurance:

Location

Homeowners insurance rates vary by region, and even by zip code. If you reside in a state prone to severe weather issues like tornadoes, hurricanes, and hail, you could pay more for home insurance than homeowners in states that aren’t plagued by catastrophic weather. Areas with lower construction costs often enjoy more favorable home insurance rates as well.

More location-based factors that can affect home insurance prices include:

  • Coastal properties: Homes in coastal regions are sometimes riskier to insure than inland properties due to a greater chance for natural disasters.
  • Crime rates in your ZIP code: Your insurer can use this information to determine how likely you are to file a theft claim.
  • Homes near woods and brush: These properties are susceptible to damage from wildfire and falling trees.
  • Proximity to a fire hydrant and fire department: Easy access to a water source means a fire is more quickly extinguished.

Type of home

One of the first questions asked by a home insurer is, “What kind of home do you have?” Construction materials, and other home specs, can raise the overall value of your property and increase the cost of your homeowners insurance.

For example, concrete block homes typically cost less to insure than wood frame houses because they’re less susceptible to fires and strong winds. Your insurer will also ask about your siding type, flooring materials, and even how you heat the home to assess the risk of insuring it.

Roof construction

Your roof’s construction and shape can also be critical when it comes to the cost of your homeowners insurance. If your roof material is asphalt shingles, which are less flammable, you usually have a lower home insurance cost than if you had a cedar or wood-shakes roof.

Gable roofs are the most common and affordable roof type to install, but they are prone to wind damage. Hip roofs (characterized by all sides gently sloping downward) often cost more to install, but are more resistant to wind and could lessen the price of home insurance.

Prior claims and coverage selections

Home insurance companies focus on claims you previously filed. If you had multiple losses, you’ll likely pay a higher rate as you’re more likely to file another claim.

Your home insurance cost can also depend on the home insurance coverages and deductibles you select. Eliminating extra protection (like personal injury coverage) and lowering your limits of liability may save you a modest amount of money. Conversely, you can often increase your coverage by thousands and your home insurance rate will only be minimally impacted.

Insurance score

Home insurers may use an insurance score in some states. Each company uses its own method of calculating an insurance score, which typically includes a blend of credit and claims histories. Insurers value this information because there is a correlation between credit history and insurance risk. The higher your score, the lower your home insurance cost.

Home insurance cost FAQs

What if I am running a business out of my home?

If you’re running a business out of your home, you may be denied coverage or pay a higher home insurance rate. It often depends on the nature of your business, and your insurer may require you to purchase a separate policy.

Why does home insurance ask about dogs?

Because you could be liable if your dog bites someone, coverage for animal liability may increase the cost of your home insurance. It’s important to note that some insurers won’t cover dog bites regardless of the breed, so you’ll want to consult your policy to see if you’re covered. If not, you can purchase separate insurance for dog bite incidents.

Do trampolines and swimming pools raise homeowners insurance?

Due to the potential for injury, insurance companies consider trampolines and pools to be “attractive nuisances,” and will raise the cost of your homeowners insurance. Some companies won’t cover trampolines, and many require a fence or locked gate, at least four feet high, around a pool in order to qualify for coverage.

How to get homeowners insurance through Progressive

Online

We’ll ask simple questions about your property when you quote online, then you can customize your coverages and start date.

Call a rep

Speak with a licensed homeowners representative who can guide you through a quote and even fax or email proof of insurance to your lender.

Through an agent

We’ll connect you with a licensed independent agent near you.