How Much Does Umbrella Insurance Cost?
Updated for 2026 — national average costs with state-by-state breakdowns
What Does Umbrella Insurance Include?
Umbrella insurance provides additional liability coverage beyond your home and auto insurance limits. It protects your assets if you're sued for more than your base policies cover.
The national average cost for umbrella insurance is $25 per month. Most homeowners pay between $15 and $50, though costs can vary significantly based on your location, the scope of work, and other factors outlined below.
What Affects the Price?
Coverage
$1M policy: $15-$25/month. $2M: $20-$35/month. $5M: $30-$50/month
Risk
Pool, rental properties, teen drivers, and certain dog breeds increase premiums
Key Cost Factors
- ✓Coverage amount
- ✓Number of properties
- ✓Number of vehicles
- ✓Number of drivers
- ✓Risk factors (pool, trampoline, dogs)
💡 Tips to Save Money
- 1.Bundle with your home and auto for the best rate
- 2.$1M in coverage is very affordable — the most common starting point
- 3.Compare between your current insurer and others
- 4.Higher underlying limits on home/auto can lower umbrella costs
📈 Umbrella Insurance Cost Trends (2020–2024)
Prices have increased +19.0% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $21 | — |
| 2021 | $22 | +4.8% |
| 2022 | $23 | +4.5% |
| 2023 | $24 | +4.3% |
| 2024 | $25 | +4.2% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
Umbrella Insurance Cost by State
Costs vary significantly by state due to labor rates, cost of living, and local market conditions. Click any state for a detailed breakdown.
| State | Low | Average | High |
|---|---|---|---|
| Alabama | $12 | $21 | $41 |
| Alaska | $19 | $32 | $64 |
| Arizona | $14 | $24 | $48 |
| Arkansas | $12 | $20 | $40 |
| California | $20 | $34 | $68 |
| Colorado | $16 | $27 | $54 |
| Connecticut | $18 | $31 | $61 |
| Delaware | $16 | $26 | $53 |
| Florida | $15 | $25 | $49 |
| Georgia | $14 | $23 | $45 |
| Hawaii | $21 | $36 | $71 |
| Idaho | $14 | $23 | $46 |
| Illinois | $16 | $26 | $53 |
| Indiana | $13 | $22 | $44 |
| Iowa | $13 | $22 | $43 |
| Kansas | $13 | $21 | $43 |
| Kentucky | $13 | $21 | $42 |
| Louisiana | $13 | $22 | $44 |
| Maine | $15 | $26 | $51 |
| Maryland | $17 | $29 | $57 |
| Massachusetts | $20 | $33 | $65 |
| Michigan | $14 | $23 | $46 |
| Minnesota | $15 | $26 | $51 |
| Mississippi | $12 | $20 | $39 |
| Missouri | $13 | $22 | $44 |
| Montana | $14 | $24 | $48 |
| Nebraska | $13 | $22 | $44 |
| Nevada | $15 | $26 | $51 |
| New Hampshire | $17 | $28 | $56 |
| New Jersey | $19 | $31 | $63 |
| New Mexico | $14 | $23 | $45 |
| New York | $20 | $33 | $66 |
| North Carolina | $14 | $23 | $45 |
| North Dakota | $14 | $23 | $45 |
| Ohio | $14 | $23 | $45 |
| Oklahoma | $12 | $21 | $42 |
| Oregon | $17 | $28 | $55 |
| Pennsylvania | $15 | $26 | $51 |
| Rhode Island | $17 | $29 | $57 |
| South Carolina | $13 | $22 | $44 |
| South Dakota | $13 | $21 | $43 |
| Tennessee | $13 | $22 | $43 |
| Texas | $14 | $23 | $47 |
| Utah | $14 | $24 | $48 |
| Vermont | $16 | $27 | $54 |
| Virginia | $16 | $26 | $53 |
| Washington | $17 | $29 | $57 |
| West Virginia | $12 | $20 | $40 |
| Wisconsin | $14 | $24 | $47 |
| Wyoming | $14 | $23 | $46 |
Frequently Asked Questions
Who needs umbrella insurance?
Anyone with assets to protect. If your net worth exceeds your home and auto liability limits, umbrella insurance is a smart, affordable way to protect yourself from lawsuits.
🏙️ Umbrella Insurance Cost by City
Compare umbrella insurance costs in the most popular US cities:
View all 219 cities →
Related Cost Guides
💬 What Did You Pay?
Real costs reported by homeowners for Umbrella Insurance
Recent Reports
📐 Umbrella Insurance Cost Calculator
Get a personalized estimate based on your project details
Compare Insurance Rates
See how much you could save with free quotes from top carriers.
🔍 Compare Insurance Rates
See how much you could save. Compare quotes from top insurance companies in minutes.
* CostWhale may earn a commission. This doesn't affect our pricing data or recommendations.
💰 Get Weekly Cost-Saving Tips
Join 10,000+ smart homeowners. Unsubscribe anytime.