Homeowners in some areas are seeing lower insurance premiums. A total of 16 states experienced a drop in average annual premiums from 2025 to 2026. Factors contributing to these decreases vary. Some states may have benefited from a slower storm season or increased competition among insurers.

Key states with significant decreases include Arkansas, North Carolina, and Missouri. These states saw notable drops in home insurance rates.

Further information on the factors contributing to these changes can be found through Insurance.com data.