The average cost for new policies sit at $2,057. Insurers also face pressure from frequent and costly weather events . "We're seeing weather events become less predictable, with major losses no longer limited to a specific season. Several of the individual states Matic analyzed experienced nearly flat or declining average premiums, such as New York, Wisconsin, Missouri, Oregon and Colorado. For many homeowners, where they live was still the biggest factor influencing insurance cost and availability.