Indiana Illinois Idaho Ohio Delaware Homeowners Pay Among Lowest US Insurance Costs

Homeowners in several Midwestern and Mountain West states, including Indiana, Illinois, Idaho, Ohio, and Delaware, benefit from some of the lowest homeowners insurance premiums in the nation, typically paying between $800 and $1,499 annually. These states remain relatively insulated from the steep premium increases affecting climate-vulnerable coastal and southern markets such as Florida, where average premiums can exceed $22,000 annually, representing a significant portion of home values. Data from the U.S. Census Bureau and the Realtor.com® 2025 Climate Risk Report highlight that states like Indiana and Illinois have large numbers of insured homeowners paying affordable rates regardless of mortgage status, while Idaho and Ohio also maintain competitive premiums compared to neighboring states. Delaware stands out in the Mid-Atlantic region for its affordability, with premiums generally lower than nearby states such as Maryland and New Jersey. None of these states appear among the metros with the highest insurance burdens or greatest exposure to flood or hurricane risks, contributing to their relative affordability. However, experts note that insurance costs are increasingly influencing housing affordability, particularly as climate change continues to impact risk profiles nationally.