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Home Insurance Calculator: Estimate Your Costs (2025 Rates) Forbes Advisor’s home insurance calculator is a fast and simple way to calculate your home insurance costs Get started by answering a few quick questions to find the cheapest homeowners
Average homeowners insurance rates by state in 2025 Average home insurance rates by state in 2025 The average homeowners insurance cost nationwide is $2,601 a year, but rates vary by state Oklahoma is the most expensive state for home insurance at $5,858 a year, while Hawaii has the lowest home insurance rates, averaging $613 a year