How much does mobile home insurance cost?

Cost figures are averages compiled from public industry reporting and our own quoting data. They are for general guidance only — your actual premium depends on your home, location, coverage selections, and carrier underwriting.

The national average for owner-occupied mobile home insurance is roughly $700 per year, with most policies falling between $300 and $1,500. Coastal and tornado-prone states run much higher; inland and northern states run lower.

What drives your premium

• Location — wind, hail, wildfire, and crime are the biggest single factor.
• Age of the home — pre-1976 (mobile) is harder and more expensive than post-1976 (manufactured).
• Construction — single-wide vs double/triple, roof type, roof age.
• Tie-downs & skirting — discounts in wind states; sometimes required.
• Dwelling limit — replacement cost vs actual cash value.
• Deductible — separate wind/hail deductibles common on the coast.
• Claims history — clean = lower; multiple claims = surcharge or non-renewal.
• Credit-based insurance score in most states.

Average annual premium by state

All 50 states, highest average premium first. Each links to that state’s page for the carriers and coverage details specific to it.