Not only is Louisiana the most expensive state for home insurance, it's also the state where premiums skyrocketed the most—by 38% in 2024. The average cost was $10,964. By the end of 2025, that amount is expected to climb to $13,937.

Many Illinois homeowners will soon see their home insurance rates skyrocket due to the increase in extreme weather events.

According to the Chicago Tribune, the insurance agency is raising rates in Illinois by 27.2% in August, due to an increasing number of extreme weather events.