National average

The National Funeral Directors Association reports the median cost of a traditional funeral with viewing and burial is roughly $8,300, and with cremation about $6,300. These numbers exclude cemetery, monument, and flower costs — which can add $3,000+ more.

Highest-cost states

Hawaii, New York, California, New Jersey, and Massachusetts consistently rank as the most expensive states for funeral services. Coverage of $15,000–$25,000 is more appropriate for these markets.

Lowest-cost states

Mississippi, Alabama, Arkansas, Oklahoma, and Kentucky are typically the lowest. In these markets, $10,000–$15,000 of coverage often fully protects the family.

Why costs keep rising

Funeral costs have risen about 3–4% per year over the past decade, outpacing general inflation. This is why locking in fixed-premium coverage early can save thousands over a lifetime.