{
  "meta": {
    "title": "Umbrella Insurance Cost Benchmarks by State — 2026",
    "description": "Personal umbrella insurance annual premium benchmarks by coverage tier and state, compiled from multiple 2026 industry sources.",
    "sources": [
      "Greensprout — What Is an Umbrella Insurance Policy (2026)",
      "Policy Manager Hub — Umbrella Insurance Cost: What to Expect in 2026",
      "The Agent's Office — Umbrella Insurance Cost in Texas (2026)",
      "Augustyniak Insurance Group — Florida Umbrella Insurance (2026)",
      "Pro Insurance Group — Illinois Umbrella Insurance Cost (2026)",
      "PennyPincher — Umbrella Insurance for Cars (2026)",
      "usecalcpro — Umbrella Insurance Quote Calculator (2026)"
    ],
    "dataYear": 2026,
    "lastUpdated": "2026-08",
    "unit": "USD per year",
    "note": "Umbrella insurance premiums are primarily driven by household risk profile (number of drivers, properties, pets, assets) rather than state. State-level variation is moderate compared to auto or home insurance. National average for $1M coverage is approximately $383/year for a standard household (1 home, 2 cars, 2 drivers). Each additional $1M in coverage typically adds $75-$100/year. High-risk households (teen drivers, pools, rental properties, high-net-worth) pay 50-100% more.",
    "methodology": "State benchmarks are compiled from published 2026 sources where available. States without direct published data are estimated based on regional cost-of-living and litigation environment indices, clearly marked as estimated."
  },
  "national": {
    "coverageTiers": [
      { "coverage": "$1,000,000", "typicalAnnualLow": 250, "typicalAnnualHigh": 550, "nationalAvg": 383, "highRiskLow": 600, "highRiskHigh": 1200 },
      { "coverage": "$2,000,000", "typicalAnnualLow": 325, "typicalAnnualHigh": 650, "nationalAvg": 474, "highRiskLow": 750, "highRiskHigh": 1400 },
      { "coverage": "$3,000,000", "typicalAnnualLow": 400, "typicalAnnualHigh": 750, "nationalAvg": 560, "highRiskLow": 900, "highRiskHigh": 1700 },
      { "coverage": "$5,000,000", "typicalAnnualLow": 550, "typicalAnnualHigh": 1000, "nationalAvg": 750, "highRiskLow": 1200, "highRiskHigh": 2200 }
    ],
    "perAdditionalMillion": { "low": 75, "high": 100 }
  },
  "states": [
    { "state": "California", "abbrev": "CA", "oneMillionAvg": 495, "oneMillionRange": [600, 825], "twoMillionRange": [750, 975], "fiveMillionRange": [1050, 1500], "dataQuality": "published", "notes": "Highest vet costs and litigation environment in the US" },
    { "state": "Florida", "abbrev": "FL", "oneMillionAvg": 587, "oneMillionRange": [425, 904], "twoMillionRange": [1225, 1775], "fiveMillionRange": [1700, 2525], "dataQuality": "published", "notes": "Hurricane exposure and high litigation frequency" },
    { "state": "New York", "abbrev": "NY", "oneMillionAvg": 520, "oneMillionRange": [700, 925], "twoMillionRange": [875, 1100], "fiveMillionRange": [1200, 1550], "dataQuality": "published", "notes": "NYC metro area drives highest rates" },
    { "state": "Texas", "abbrev": "TX", "oneMillionAvg": 350, "oneMillionRange": [200, 450], "twoMillionRange": [325, 650], "fiveMillionRange": [null, null], "dataQuality": "published", "notes": "Teen-driver density and pool prevalence increase risk" },
    { "state": "Illinois", "abbrev": "IL", "oneMillionAvg": 450, "oneMillionRange": [300, 600], "twoMillionRange": [null, null], "fiveMillionRange": [null, null], "dataQuality": "published", "notes": "Chicago metro area higher than downstate" },
    { "state": "New Jersey", "abbrev": "NJ", "oneMillionAvg": 455, "oneMillionRange": [null, null], "twoMillionRange": [null, null], "fiveMillionRange": [null, null], "dataQuality": "published", "notes": "High population density and auto insurance costs" },
    { "state": "Massachusetts", "abbrev": "MA", "oneMillionAvg": 440, "oneMillionRange": [null, null], "twoMillionRange": [null, null], "fiveMillionRange": [null, null], "dataQuality": "published", "notes": "High cost of living and dense urban areas" },
    { "state": "Utah", "abbrev": "UT", "oneMillionAvg": 240, "oneMillionRange": [175, 300], "twoMillionRange": [null, null], "fiveMillionRange": [null, null], "dataQuality": "published", "notes": "Lower litigation frequency than coastal states" },
    { "state": "Iowa", "abbrev": "IA", "oneMillionAvg": 280, "oneMillionRange": [null, null], "twoMillionRange": [null, null], "fiveMillionRange": [null, null], "dataQuality": "published", "notes": "Among the lowest-cost states" },
    { "state": "Idaho", "abbrev": "ID", "oneMillionAvg": 290, "oneMillionRange": [null, null], "twoMillionRange": [null, null], "fiveMillionRange": [null, null], "dataQuality": "published", "notes": "Low population density" },
    { "state": "North Dakota", "abbrev": "ND", "oneMillionAvg": 295, "oneMillionRange": [null, null], "twoMillionRange": [null, null], "fiveMillionRange": [null, null], "dataQuality": "published", "notes": "Rural, low litigation risk" },
    { "state": "Alabama", "abbrev": "AL", "oneMillionAvg": 340, "oneMillionRange": [null, null], "twoMillionRange": [null, null], "fiveMillionRange": [null, null], "dataQuality": "estimated", "notes": "Estimated based on regional cost indices" },
    { "state": "Alaska", "abbrev": "AK", "oneMillionAvg": 360, "oneMillionRange": [null, null], "twoMillionRange": [null, null], "fiveMillionRange": [null, null], "dataQuality": "estimated", "notes": "Estimated based on regional cost indices" },
    { "state": "Arizona", "abbrev": "AZ", "oneMillionAvg": 370, "oneMillionRange": [null, null], "twoMillionRange": [null, null], "fiveMillionRange": [null, null], "dataQuality": "estimated", "notes": "Estimated based on regional cost indices" },
    { "state": "Arkansas", "abbrev": "AR", "oneMillionAvg": 330, "oneMillionRange": [null, null], "twoMillionRange": [null, null], "fiveMillionRange": [null, null], "dataQuality": "estimated", "notes": "Estimated based on regional cost indices" },
    { "state": "Colorado", "abbrev": "CO", "oneMillionAvg": 380, "oneMillionRange": [null, null], "twoMillionRange": [null, null], "fiveMillionRange": [null, null], "dataQuality": "estimated", "notes": "Estimated based on regional cost indices" },
    { "state": "Connecticut", "abbrev": "CT", "oneMillionAvg": 430, "oneMillionRange": [null, null], "twoMillionRange": [null, null], "fiveMillionRange": [null, null], "dataQuality": "estimated", "notes": "Estimated based on regional cost indices" },
    { "state": "Delaware", "abbrev": "DE", "oneMillionAvg": 370, "oneMillionRange": [null, null], "twoMillionRange": [null, null], "fiveMillionRange": [null, null], "dataQuality": "estimated", "notes": "Estimated based on regional cost indices" },
    { "state": "Georgia", "abbrev": "GA", "oneMillionAvg": 360, "oneMillionRange": [null, null], "twoMillionRange": [null, null], "fiveMillionRange": [null, null], "dataQuality": "estimated", "notes": "Estimated based on regional cost indices" },
    { "state": "Hawaii", "abbrev": "HI", "oneMillionAvg": 420, "oneMillionRange": [null, null], "twoMillionRange": [null, null], "fiveMillionRange": [null, null], "dataQuality": "estimated", "notes": "Estimated based on regional cost indices" },
    { "state": "Indiana", "abbrev": "IN", "oneMillionAvg": 330, "oneMillionRange": [null, null], "twoMillionRange": [null, null], "fiveMillionRange": [null, null], "dataQuality": "estimated", "notes": "Estimated based on regional cost indices" },
    { "state": "Kansas", "abbrev": "KS", "oneMillionAvg": 320, "oneMillionRange": [null, null], "twoMillionRange": [null, null], "fiveMillionRange": [null, null], "dataQuality": "estimated", "notes": "Estimated based on regional cost indices" },
    { "state": "Kentucky", "abbrev": "KY", "oneMillionAvg": 340, "oneMillionRange": [null, null], "twoMillionRange": [null, null], "fiveMillionRange": [null, null], "dataQuality": "estimated", "notes": "Estimated based on regional cost indices" },
    { "state": "Louisiana", "abbrev": "LA", "oneMillionAvg": 410, "oneMillionRange": [null, null], "twoMillionRange": [null, null], "fiveMillionRange": [null, null], "dataQuality": "estimated", "notes": "Estimated based on regional cost indices" },
    { "state": "Maine", "abbrev": "ME", "oneMillionAvg": 350, "oneMillionRange": [null, null], "twoMillionRange": [null, null], "fiveMillionRange": [null, null], "dataQuality": "estimated", "notes": "Estimated based on regional cost indices" },
    { "state": "Maryland", "abbrev": "MD", "oneMillionAvg": 400, "oneMillionRange": [null, null], "twoMillionRange": [null, null], "fiveMillionRange": [null, null], "dataQuality": "estimated", "notes": "Estimated based on regional cost indices" },
    { "state": "Michigan", "abbrev": "MI", "oneMillionAvg": 360, "oneMillionRange": [null, null], "twoMillionRange": [null, null], "fiveMillionRange": [null, null], "dataQuality": "estimated", "notes": "Estimated based on regional cost indices" },
    { "state": "Minnesota", "abbrev": "MN", "oneMillionAvg": 350, "oneMillionRange": [null, null], "twoMillionRange": [null, null], "fiveMillionRange": [null, null], "dataQuality": "estimated", "notes": "Estimated based on regional cost indices" },
    { "state": "Mississippi", "abbrev": "MS", "oneMillionAvg": 350, "oneMillionRange": [null, null], "twoMillionRange": [null, null], "fiveMillionRange": [null, null], "dataQuality": "estimated", "notes": "Estimated based on regional cost indices" },
    { "state": "Missouri", "abbrev": "MO", "oneMillionAvg": 340, "oneMillionRange": [null, null], "twoMillionRange": [null, null], "fiveMillionRange": [null, null], "dataQuality": "estimated", "notes": "Estimated based on regional cost indices" },
    { "state": "Montana", "abbrev": "MT", "oneMillionAvg": 320, "oneMillionRange": [null, null], "twoMillionRange": [null, null], "fiveMillionRange": [null, null], "dataQuality": "estimated", "notes": "Estimated based on regional cost indices" },
    { "state": "Nebraska", "abbrev": "NE", "oneMillionAvg": 320, "oneMillionRange": [null, null], "twoMillionRange": [null, null], "fiveMillionRange": [null, null], "dataQuality": "estimated", "notes": "Estimated based on regional cost indices" },
    { "state": "Nevada", "abbrev": "NV", "oneMillionAvg": 370, "oneMillionRange": [null, null], "twoMillionRange": [null, null], "fiveMillionRange": [null, null], "dataQuality": "estimated", "notes": "Estimated based on regional cost indices" },
    { "state": "New Hampshire", "abbrev": "NH", "oneMillionAvg": 360, "oneMillionRange": [null, null], "twoMillionRange": [null, null], "fiveMillionRange": [null, null], "dataQuality": "estimated", "notes": "Estimated based on regional cost indices" },
    { "state": "New Mexico", "abbrev": "NM", "oneMillionAvg": 330, "oneMillionRange": [null, null], "twoMillionRange": [null, null], "fiveMillionRange": [null, null], "dataQuality": "estimated", "notes": "Estimated based on regional cost indices" },
    { "state": "North Carolina", "abbrev": "NC", "oneMillionAvg": 360, "oneMillionRange": [null, null], "twoMillionRange": [null, null], "fiveMillionRange": [null, null], "dataQuality": "estimated", "notes": "Estimated based on regional cost indices" },
    { "state": "Ohio", "abbrev": "OH", "oneMillionAvg": 340, "oneMillionRange": [null, null], "twoMillionRange": [null, null], "fiveMillionRange": [null, null], "dataQuality": "estimated", "notes": "Estimated based on regional cost indices" },
    { "state": "Oklahoma", "abbrev": "OK", "oneMillionAvg": 340, "oneMillionRange": [null, null], "twoMillionRange": [null, null], "fiveMillionRange": [null, null], "dataQuality": "estimated", "notes": "Estimated based on regional cost indices" },
    { "state": "Oregon", "abbrev": "OR", "oneMillionAvg": 380, "oneMillionRange": [null, null], "twoMillionRange": [null, null], "fiveMillionRange": [null, null], "dataQuality": "estimated", "notes": "Estimated based on regional cost indices" },
    { "state": "Pennsylvania", "abbrev": "PA", "oneMillionAvg": 370, "oneMillionRange": [null, null], "twoMillionRange": [null, null], "fiveMillionRange": [null, null], "dataQuality": "estimated", "notes": "Estimated based on regional cost indices" },
    { "state": "Rhode Island", "abbrev": "RI", "oneMillionAvg": 380, "oneMillionRange": [null, null], "twoMillionRange": [null, null], "fiveMillionRange": [null, null], "dataQuality": "estimated", "notes": "Estimated based on regional cost indices" },
    { "state": "South Carolina", "abbrev": "SC", "oneMillionAvg": 360, "oneMillionRange": [null, null], "twoMillionRange": [null, null], "fiveMillionRange": [null, null], "dataQuality": "estimated", "notes": "Estimated based on regional cost indices" },
    { "state": "South Dakota", "abbrev": "SD", "oneMillionAvg": 310, "oneMillionRange": [null, null], "twoMillionRange": [null, null], "fiveMillionRange": [null, null], "dataQuality": "estimated", "notes": "Estimated based on regional cost indices" },
    { "state": "Tennessee", "abbrev": "TN", "oneMillionAvg": 350, "oneMillionRange": [null, null], "twoMillionRange": [null, null], "fiveMillionRange": [null, null], "dataQuality": "estimated", "notes": "Estimated based on regional cost indices" },
    { "state": "Vermont", "abbrev": "VT", "oneMillionAvg": 350, "oneMillionRange": [null, null], "twoMillionRange": [null, null], "fiveMillionRange": [null, null], "dataQuality": "estimated", "notes": "Estimated based on regional cost indices" },
    { "state": "Virginia", "abbrev": "VA", "oneMillionAvg": 370, "oneMillionRange": [null, null], "twoMillionRange": [null, null], "fiveMillionRange": [null, null], "dataQuality": "estimated", "notes": "Estimated based on regional cost indices" },
    { "state": "Washington", "abbrev": "WA", "oneMillionAvg": 400, "oneMillionRange": [null, null], "twoMillionRange": [null, null], "fiveMillionRange": [null, null], "dataQuality": "estimated", "notes": "Estimated based on regional cost indices" },
    { "state": "West Virginia", "abbrev": "WV", "oneMillionAvg": 330, "oneMillionRange": [null, null], "twoMillionRange": [null, null], "fiveMillionRange": [null, null], "dataQuality": "estimated", "notes": "Estimated based on regional cost indices" },
    { "state": "Wisconsin", "abbrev": "WI", "oneMillionAvg": 330, "oneMillionRange": [null, null], "twoMillionRange": [null, null], "fiveMillionRange": [null, null], "dataQuality": "estimated", "notes": "Estimated based on regional cost indices" },
    { "state": "Wyoming", "abbrev": "WY", "oneMillionAvg": 310, "oneMillionRange": [null, null], "twoMillionRange": [null, null], "fiveMillionRange": [null, null], "dataQuality": "estimated", "notes": "Estimated based on regional cost indices" },
    { "state": "District of Columbia", "abbrev": "DC", "oneMillionAvg": 450, "oneMillionRange": [null, null], "twoMillionRange": [null, null], "fiveMillionRange": [null, null], "dataQuality": "estimated", "notes": "Estimated based on regional cost indices" }
  ]
}