5 States with the Most Expensive Home Insurance in the US

3. Nebraska

Average Annual Premium: $2,951

Average Monthly Premium: $246

With an average annual premium of $2,951, Nebraska qualifies as one of the 15 states with the most expensive home insurance in the US. Home insurance costs are higher in areas more vulnerable to extreme weather and higher crime rates. Ayr, Overton, and Greenley are expensive cities for homeowner insurance in Nebraska.