Hawaii
Annual home insurance cost: $1,018 (6% below the national average)
Hawaii is the only American state that cannot be reached from another state by road transportation. The state—a hotspot for tourism—has been dealing with an extreme housing crisis, with housing costs significantly above the national median.
This is despite a median per capita income on par with the national average. Largely urbanized, Hawaii has violent and property crime rates below the national average.
