articleThe Brief The national average cost of home insurance is up 9% compared to two years ago, according to Bankrate. The state with the highest average home insurance cost is Louisiana. Bankrate recently compiled the average home insurance cost for each state, with the national average landing at $2,470. True cost of home insurance in 2025 by stateBy the numbers:The average cost of home insurance has increased 9% since 2023, according to Bankrate. The state that had the highest average cost for home insurance was Louisiana at $6,274, and much of that is due to extreme weather conditions.