Where Are the Most Insurance Claims Filed in the U.S.? 2025 Home & Auto Hotspots
Introduction
In 2025, insurance claims—especially for homes and cars—are surging in certain U.S. states. Severe weather, natural disasters, and urban risk factors are driving up both the number of claims and the cost of coverage. If you live in or are moving to one of these high-claim states, understanding the landscape can help you make smarter insurance decisions.
States with the Most Expensive Home Insurance (and Why)
Home insurance claims are most frequent in states hit by tornadoes, hurricanes, hail, and floods. This leads to higher premiums and, often, tougher requirements for coverage. According to the latest data, Oklahoma, Nebraska, and Kansas top the list for both average claim frequency and annual premium costs, far exceeding the national average.
Table: Top 10 U.S. States by Average Annual Home Insurance Cost (2025)
| Rank | State | Avg. Annual Cost | % Above U.S. Avg. |
|---|---|---|---|
| 1 | Oklahoma | $6,133 | +118.9% |
| 2 | Nebraska | $5,912 | +111.0% |
| 3 | Kansas | $5,412 | +93.2% |
| 4 | Texas | $5,180 | +84.9% |
| 5 | Kentucky | $4,671 | +66.7% |
| 6 | Colorado | $4,489 | +60.2% |
| 7 | Mississippi | $4,201 | +50.0% |
| 8 | Louisiana | $4,033 | +44.0% |
| 9 | Florida | $3,889 | +38.8% |
| 10 | Arkansas | $3,722 | +32.9% |
Source: LendingTree, 2025
Why Are Claims So High in These States?
Oklahoma, Nebraska, Kansas: Tornado Alley—frequent tornadoes and hailstorms cause massive property damage every year.
Texas & Louisiana: Hurricanes, flooding, and hail are common, leading to a high number of both home and auto claims.
Florida: Hurricanes and floods drive up both claims and premiums. Standard home insurance often excludes flood damage, requiring extra coverage.
Colorado: Wildfires and hail are increasing, making claims more frequent and costly.
Auto Insurance Claims Hotspots
For auto insurance, Michigan, Florida, and Louisiana are among the most expensive states due to high claim rates, urban density, and fraud. Detroit, Michigan, remains the city with the highest auto premiums in the nation, reflecting both accident rates and theft.
Top 5 Most Expensive States for Auto Insurance (2023-2025)
| Rank | State | Avg. Monthly Premium |
|---|---|---|
| 1 | Michigan | $211 |
| 2 | Florida | $194 |
| 3 | Louisiana | $192 |
| 4 | Rhode Island | $156 |
| 5 | Kentucky | $154 |
How to Protect Yourself in High-Claim States
Review Your Coverage Annually: Make sure your policy covers the risks most common in your state (e.g., tornado, flood, hail).
Consider Higher Deductibles: This can help lower your premiums, but be sure you can afford the out-of-pocket cost if you file a claim.
Bundle Policies: Combining home and auto insurance can lead to discounts.
Invest in Prevention: Storm-proof your home, install security systems, and keep your car in a garage if possible.
Conclusion
Living in a high-claim state means higher insurance costs, but also greater risk of loss. By understanding where claims are most frequent and why, you can better prepare, shop for the right coverage, and potentially save money in the long run.
Sources:
LendingTree: State of Home Insurance 2025
Bankrate: Homeowners Insurance Statistics
The Zebra: Car Insurance Industry Statistics
Kiplinger: Most Expensive Home Insurance States
All data is based on the latest available reports as of June 2025. For personalized advice, consult your insurance agent.
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