The average cost of homeowners insurance in the U.S. is $1,754 per year, according to our latest insurance pricing analysis. While insurance companies consider several different factors to determine your premium, your home's location and the frequency of natural disasters where you live are two of the biggest indicators of how much you'll pay for homeowners insurance. For example, areas that are prone to extreme weather patterns or property crime will generally see high home insurance premiums on average due to location risk.
Compare average home insurance rates by ZIP code
To find the average cost of home insurance in each U.S. ZIP code, we analyzed sample quotes provided by Quadrant Information Services for a house with $300,000 in dwelling coverage, $300,000 in liability coverage, and a $1,000 policy deductible. We then identified the 34,587 unique ZIP codes included in the sample quotes and calculated the average rate for each one.
Type in your ZIP code or city below to see an average cost estimate of home insurance where you live.
Cheapest & most expensive ZIP codes for home insurance
Average home insurance premiums are often analyzed on the state level to give homeowners an idea of how much their policy will cost. However, given that a home's risk of damage can vary so much depending on its specific location, state averages may not paint the most accurate picture for homeowners.
For example, while the average annual home insurance premium across the entire state of Texas is $2,919 — which is the 4th highest of any state — homeowners in the 79925 ZIP code of El Paso pay an average of $1,626 per year, or 44% less than the state average. This is likely because homes in El Paso and other areas in West Texas don't face the same type of risks as those on the eastern half of the state.
The cheapest ZIP codes for home insurance in each state
According to our analysis, the area with the lowest average home insurance rates in the U.S. is the 96818 ZIP code in Honolulu, Hawaii. Find the cheapest ZIP code for home insurance in your state and others in the table below.
ZIP code | State | City | Average annual cost |
|---|---|---|---|
35242 | Alabama | Meadowbrook | $1,386 |
99654 | Alaska | Knik-Fairview | $1,174 |
85614 | Arizona | Green Valley | $1,496 |
72745 | Arkansas | Lowell | $2,893 |
93402 | California | Los Osos | $1,117 |
81503 | Colorado | Orchard Mesa | $1,219 |
06790 | Connecticut | Torrington | $1,350 |
19808 | Delaware | Wilmington | $760 |
20011 | District of Columbia | Washington D.C. | $1,154 |
32759 | Florida | Oak Hill | $1,505 |
30606 | Georgia | Athens | $1,692 |
96818 | Hawaii | Honolulu | $479 |
83704 | Idaho | Boise City | $1,162 |
60126 | Illinois | Elmhurst | $1,623 |
46528 | Indiana | Goshen | $1,642 |
52253 | Iowa | Lisbon | $1,571 |
66030 | Kansas | Gardner | $2,349 |
41075 | Kentucky | Fort Thomas | $1,819 |
71270 | Louisiana | Ruston | $2,033 |
04862 | Maine | Union | $1,002 |
20895 | Maryland | North Kensington | $1,336 |
01267 | Massachusetts | Williamstown | $940 |
48109 | Michigan | Ann Arbor | $1,242 |
55901 | Minnesota | Rochester | $1,767 |
39305 | Mississippi | Meridian | $2,314 |
63368 | Missouri | O'Fallon | $2,329 |
59912 | Montana | Columbia Falls | $1,734 |
68502 | Nebraska | Lincoln | $3,726 |
89410 | Nevada | Gardnerville | $1,100 |
03440 | New Hampshire | Antrim | $900 |
08822 | New Jersey | Flemington | $707 |
87301 | New Mexico | Gallup | $1,273 |
14514 | New York | North Chili | $859 |
28457 | North Carolina | Rocky Point | $966 |
58201 | North Dakota | Grand Forks | $1,636 |
44060 | Ohio | Mentor | $1,271 |
74119 | Oklahoma | Tulsa | $3,601 |
97006 | Oregon | Aloha | $795 |
17408 | Pennsylvania | Shiloh | $1,010 |
02806 | Rhode Island | Barrington | $1,317 |
29708 | South Carolina | Fort Mill | $1,343 |
57401 | South Dakota | Aberdeen | $2,171 |
37664 | Tennessee | Kingsport | $1,778 |
79925 | Texas | El Paso | $1,626 |
84095 | Utah | South Jordan | $886 |
05404 | Vermont | Winooski | $916 |
22301 | Virginia | Alexandria | $1,125 |
98315 | Washington | Bangor Base | $1,109 |
26505 | West Virginia | Morgantown | $1,151 |
53081 | Wisconsin | Sheboygan | $1,009 |
82901 | Wyoming | Rock Springs | $1,249 |
The most expensive ZIP codes for home insurance in each state
According to our analysis, the most expensive area in the country for home insurance is the 33012 ZIP code in Hialeah, Florida, just outside of Miami. The average annual cost of home insurance in this ZIP code is $5,931 — more than three times higher than the national average. Find the most expensive ZIP code for home insurance in your state and others in the table below.
ZIP code | State | City | Average annual cost |
|---|---|---|---|
35147 | Alabama | Sterrett | $3,340 |
99752 | Alaska | Kotzebue | $1,769 |
85019 | Arizona | Phoenix | $2,544 |
71640 | Arkansas | Eudora | $3,792 |
93510 | California | Acton | $2,333 |
80807 | Colorado | Burlington | $3,735 |
06498 | Connecticut | Westbrook | $2,132 |
19930 | Delaware | Bethany Beach | $1,706 |
20011 | District of Columbia | Washington D.C. | $1,154 |
33012 | Florida | Hialeah | $5,931 |
31328 | Georgia | Tybee Island | $2,628 |
96763 | Hawaii | Lanai City | $486 |
83252 | Idaho | Malad City | $1,489 |
60636 | Illinois | Chicago | $2,967 |
46403 | Indiana | Gary | $2,466 |
51501 | Iowa | Council Bluffs | $2,212 |
67801 | Kansas | Dodge City | $3,762 |
42041 | Kentucky | Fulton | $3,262 |
70067 | Louisiana | Lafitte | $5,476 |
04217 | Maine | Bethel | $1,185 |
21817 | Maryland | Crisfield | $2,714 |
02554 | Massachusetts | Nantucket | $3,035 |
48213 | Michigan | Detroit | $4,109 |
55417 | Minnesota | Minneapolis | $2,159 |
38738 | Mississippi | Parchman | $3,590 |
64108 | Missouri | Kansas City | $3,744 |
59330 | Montana | Glendive | $3,645 |
68818 | Nebraska | Aurora | $5,373 |
89101 | Nevada | Las Vegas | $1,699 |
03870 | New Hampshire | Rye | $1,273 |
08203 | New Jersey | Brigantine | $1,542 |
88130 | New Mexico | Portales | $4,549 |
11949 | New York | Manorville | $2,103 |
28472 | North Carolina | Whiteville | $3,661 |
58523 | North Dakota | Beulah | $2,181 |
45648 | Ohio | Lucasville | $2,015 |
73110 | Oklahoma | Midwest City | $5,286 |
97918 | Oregon | Vale | $1,102 |
19141 | Pennsylvania | Philadelphia | $2,167 |
02835 | Rhode Island | Jamestown | $1,717 |
29572 | South Carolina | Myrtle Beach | $3,045 |
57747 | South Dakota | Hot Springs | $2,886 |
38127 | Tennessee | Memphis | $3,652 |
76067 | Texas | Mineral Wells | $4,192 |
84535 | Utah | Monticello | $1,021 |
05250 | Vermont | Arlington | $1,073 |
23457 | Virginia | Virginia Beach | $2,634 |
98936 | Washington | Moxee | $1,495 |
25661 | West Virginia | Williamson | $1,990 |
54840 | Wisconsin | Grantsburg | $1,424 |
82001 | Wyoming | Cheyenne | $2,133 |
Average high-value home insurance rates by ZIP code
Home insurance rates are also impacted by your policy’s dwelling coverage limit, which is the part of your policy that pays to repair or rebuild your house after a covered loss. Your dwelling coverage limit should be based on your home's replacement cost, or the cost to rebuild it from the ground up.
Here are the cheapest ZIP codes for high-value homes (homes with at least $500,000 in dwelling coverage) in the 10 U.S. states with the highest median home value, according to Zillow. [1]
State | City | ZIP code | Average annual cost |
|---|---|---|---|
Hawaii | Ewa Gentry | 96706 | $489 |
Utah | Clearfield | 84015 | $739 |
New Jersey | Flemington | 08822 | $1,074 |
Oregon | Aloha | 97006 | $1,197 |
New York | North Chili | 14514 | $1,361 |
New Hampshire | Antrim | 03440 | $1,366 |
Massachusetts | Williamstown | 01267 | $1,432 |
California | Los Osos | 93402 | $1,645 |
Washington | Bangor Base | 98315 | $1,741 |
Colorado | Orchard Mesa | 81503 | $1,768 |
How ZIP codes influence home insurance prices
There are several different factors that can impact homeowners insurance rates — from the age and size of your home to your claims history to your credit score. But broadly speaking, your home's location will likely have the biggest impact on your final premium.
Certain parts of the country, such as parts of Florida and Texas, face a high probability of extreme weather and extensive property damage. As a result, insurers often charge higher rates to homeowners in disaster-prone parts of these states — such as specific ZIP codes or communities in or around these areas — to offset the anticipated high-dollar amount losses.
Insurers will also often charge higher rates after major disasters to help pay for additional expenses that they didn't account for in prior rate filings. This can happen, for example, if rebuild costs suddenly skyrocket after a catastrophe due to the higher construction demand in impacted areas, or when a disaster damages homes in areas that were considered low risk (and therefore paid a lower premium).
Rate increases resulting from "actualized losses" — or losses that have already happened — are often spread out to homeowners across a state, region, or in some cases the entire country.
Find average home insurance rates in your state
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Methodology
Policygenius analyzed home insurance rates provided by Quadrant Information Services in March 2022 for 34,587 ZIP codes across all 50 states plus Washington, D.C., for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits:
Dwelling: $300,000
Other structures: $30,000
Personal property: $150,000
Loss of use: $60,000
Liability: $300,000
Medical: $1,000
All rates based on the above coverage limits except where otherwise noted.
To find the cheapest and most expensive ZIP codes in each state, we looked at average annual home insurance rates in 16,435 ZIP codes with a population greater than 2,814, which is the median ZIP code population in the U.S. If multiple ZIP codes tied for cheapest or most expensive for home insurance rates in a particular state, we broke the tie by choosing the ZIP code with the highest population.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
