Average cost of ASI homeowners insurance by state

Low-cost states

Average monthly price: $69

Twelve-month average: $828

States included: Arizona, Delaware, District of Columbia, Indiana, Iowa, Maine, Maryland, Michigan, Nevada, New Mexico, North Carolina, Ohio, Oregon, Pennsylvania, Utah, Washington, West Virginia, and Wisconsin.

Why these are the most affordable states

Favorable weather: Most of these states aren't coastal, which means they aren't as susceptible to extreme weather conditions.

Lower home values: The median home values in these states will be typically less than other states, which means lower dwelling coverage amounts and equates to lower home insurance rates.

Cheaper construction costs: Building materials are generally more affordable in these states.

Medium-cost states

Average monthly price: $97

Twelve-month average: $1,162

States included: California, Georgia, Kentucky, Illinois, Mississippi, Missouri, Nebraska, New Jersey, New York, North Dakota, South Carolina, Tennessee, and Virginia.

Why these states rank in the middle per cost

Fairly favorable weather: This group of states usually won't be affected by catastrophic weather as often as high-cost states.

Higher home values: The median home values in these states are generally greater than those in low-priced states, which means more dwelling coverage is needed.

High-cost states

Average monthly price: $125

Twelve-month average: $1,498

States included: Alabama, Colorado, Connecticut, Florida, Massachusetts, Kansas, Louisiana, Minnesota, Oklahoma, and Texas.

Why these are the most expensive states

Severe weather issues: Tornadoes, hurricanes, and hail are usually more common in these 10 states, making them the biggest risks from a home insurance perspective.

About our data

This data shows the average rate for a 12-month ASI Home policy from Progressive for 2017. Keep checking back, because we'll be continuously updating this page. When researching average prices, it's very 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 insurers within our network may be different.

While this data provides insight as to the average cost of home insurance in most states, it isn't customized to your situation. If you need an exact price, just get a homeowners insurance quote online or call 866-749-7436.

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