Average home insurance costs by ZIP code (2024)

Compare average home insurance cost estimates by ZIP code. See how your home's location impacts your premiums and find affordable & personalized coverage today.

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Pat HowardManaging Editor & Licensed Home Insurance ExpertPat Howard is a managing editor and licensed home insurance expert at Policygenius, where he specializes in homeowners insurance. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere.

Edited by

Jennifer GimbelJennifer GimbelSenior Managing Editor & Home Insurance ExpertJennifer Gimbel is a senior managing editor and home insurance expert at Policygenius, where she oversees our homeowners insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.
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Michael Reynolds, CSRIC®, AIF®, CFT-I™Michael Reynolds, CSRIC®, AIF®, CFT-I™Financial AdvisorMichael Reynolds, CSRIC®, AIF®, CFT-I™, is a financial advisor, principal and founder of Elevation Financial, host of the weekly personal finance podcast Wealth Redefined®, and a member of the Financial Review Council at Policygenius.

Updated|4 min read

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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.

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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. 

Why do neighboring ZIP codes have different average home insurance prices?

Some ZIP codes, including neighboring ones, are often exposed to different risks or could have significantly higher or lower home values compared to your ZIP code. Because a home's location risk and size are two of the main drivers of insurance rates, average home insurance prices can fluctuate drastically from area to area.

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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

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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

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Is there a connection between crime rates and home insurance costs by ZIP code?

Assuming all other factors that influence policy cost (like home age, size, location, credit score) are equal, a home in a ZIP code with a high rate of property crime like theft, vandalism, or arson will likely cost more to insure than a home in a neighboring ZIP code with a lower crime rate.

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

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Home insurance premiums skyrocketed again in 2023

Our 2022 Policygenius Home Insurance Pricing Report found that home insurance premiums increased an average of 12% from May 2021 to May 2022 — faster than the record-breaking rate of inflation during that span. With inflation and constructions costs showing signs of flattening out and even receding in 2023, it would have been reasonable to assume that home insurance prices may follow suit. Our latest findings suggested this was anything but the case.

From May 20, 2022 to May 20, 2023, 94% of policyholders faced a rate increase at renewal, compared to 90% of policyholders from the previous year. During this time, the average quoted renewal premium was 21% higher nationally compared to the average of what homeowners were previously paying — roughly 9% higher than the 12% increase we reported last year.

Altogether, home insurance premiums increased 35% nationally from 2021 to 2023, with homeowners in Florida (68%), New Mexico (47%), Colorado (46%), Idaho (46%), and Texas (46%) facing the biggest average increases during that span.

These states and many others with high premium increases the past few years dealt with a combination of more expensive natural disaster losses, high inflation, turbulent market conditions, and numerous other factors that caused home insurance to be both less affordable and accessible for homeowners.

Find out how much premiums increased in your state by reading our full 2023 Home Insurance Pricing Report.

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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.

References

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Policygenius uses external sources, including government data, industry studies, and reputable news organizations to supplement proprietary marketplace data and internal expertise. Learn more about how we use and vet external sources as part of oureditorial standards.

  1. Zillow

    . "

    United States Home Values

    ." Accessed January 10, 2024.

Author

Pat Howard is a managing editor and licensed home insurance expert at Policygenius, where he specializes in homeowners insurance. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere.

Editor

Jennifer Gimbel is a senior managing editor and home insurance expert at Policygenius, where she oversees our homeowners insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

Expert reviewer

Michael Reynolds, CSRIC®, AIF®, CFT-I™, is a financial advisor, principal and founder of Elevation Financial, host of the weekly personal finance podcast Wealth Redefined®, and a member of the Financial Review Council at Policygenius.

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