The average cost of homeowners insurance in the United States in 2025 varies depending on location, coverage amount, and other factors, but here are key figures from recent data:

• Nationally, the average annual cost is around $2,110 to $2,377, which breaks down to about $176 to $198 per month

• Another analysis shows an average annual cost of about $2,329 ($194 per month) for a policy with a $300,000 dwelling limit

• Costs can range widely, from as low as approximately $1,090 per year in cheaper areas to over $6,370 in more expensive cities like Houston

• The average homeowners insurance premium can also vary by coverage amount. For example, policies with dwelling coverage between $200,000 and $300,000 average about $2,058 annually, while coverage between $800,000 and $900,000 averages about $3,816 annually

• Factors influencing cost include home location, age, size, coverage limits, deductible amounts, claims history, and credit score. For instance, homeowners with poor credit may pay significantly more

• State and city also greatly affect premiums, with Florida, Nebraska, and Oklahoma among the most expensive states, and Vermont, Alaska, and Delaware among the least expensive

In summary, while the average U.S. homeowner pays roughly $2,000 to $2,400 annually for homeowners insurance, your specific cost will depend heavily on your home's characteristics and location. Monthly payments typically range from about $90 to over $500 depending on these factors