The average U.S. homeowners’ insurance rate is nearly $3,000 per year, according to a recent report by insurance marketplace The Zebra [1]. But that’s just the average — residents in some states pay much more. Must Read According to the report, the three most expensive states for homeowners insurance are: Nebraska: $7,920 Oklahoma: $7,426 Kansas: $5,303 The three least expensive states for homeowners' insurance are: Hawaii: $721 Vermont: $1,159 Delaware: $1,225 The rising cost of homeo ...