evidence: Floridians pay $3,303 more for home insurance than national average. Here's the good news: As if Florida homeowners needed another reminder, a recent study comparing the national average of home insurance premiums found that Floridians are paying higher insurance rates than any other state. According to a recent analysis of Bankrate data conducted by real estate investor Fire Cash Buyer, Florida homeowners are paying $3,303 above the national average for home insurance.