Average home insurance costs by ZIP code in 2022

Learn how the cost of home insurance differs in ZIP codes across the United States.

Pat Howard 1600

By

Pat Howard

Pat Howard

Managing Editor & Licensed Home Insurance Expert

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.

Expert reviewed

Expert reviewed

This article has been reviewed by a licensed Policygenius expert to ensure that sources, statistics, and claims meet our standard for accurate and unbiased advice.

Learn more about oureditorial review process.

By

Michael Reynolds, CSRIC®, AIF®, CFT-I™

Michael Reynolds, CSRIC®, AIF®, CFT-I™

Financial Advisor

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.

Updated|3 min read

Policygenius content follows strict guidelines for editorial accuracy and integrity. Learn about our editorial standards and how we make money.

The average cost of homeowners insurance in the U.S. is $1,899 per year. Several factors impact your home insurance rates, including the size and age of your home, your claims history, deductible amount, and much more. 

But the location of your home is likely the biggest single indicator of how much you’ll pay for home insurance. Certain parts of the country are prone to extreme weather and natural disasters, while others may have higher-than-average rebuild costs due to high construction demand and inflation. 

Compare rates and shop affordable home insurance today

We don't sell your information to third parties.

Rates also tend to differ depending on the ZIP code your house is located in. A ZIP code with a high rate of property crime and other risks will generally see higher average home insurance premiums than a neighboring ZIP code with a lower crime rate. 

Average home insurance rates by ZIP code

To help you find out how much home insurance costs where you live, we calculated average home insurance rates for over 30,000 ZIP codes across the U.S. We looked at areas with the highest and most affordable rates, as well as the cheapest and most expensive ZIPs for various levels of coverage.

Type in your ZIP code or city below to see the average cost of home insurance where you live. 

Home insurance premiums rising faster than inflation in some states

Home insurance premiums are rising faster than inflation in many states throughout the U.S., according to our July 2022 analysis of internal policyholder data.

From May 2021 to May 2022, 90% of homeowners saw their quoted annual premium increase compared to the previous year. And in Arkansas, Washington, and Colorado, homeowners saw their rates increase over 17% — more than double the rate of inflation — making inflation guard coverage even more important to add to your home insurance policy.

Find out how much premiums increased in your state by reading our full 2022 Home Insurance Pricing Report.

Cheapest ZIP codes for home insurance in each state

According to our analysis, the lowest home insurance rates in the U.S. can be found in the 96818 ZIP code in Honolulu, Hawaii. While homeowners in the cheapest ZIP code for home insurance in Nebraska have to pay around $3,726 per year for coverage, it’s still around $1,000 less than the state average.

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

Ready to shop home insurance?

Start calculator

Most expensive ZIP codes for home insurance in each state

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.

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 

Your home insurance rate is 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

Massachusetts

Williamstown

01267

$1,432

California

Los Osos

93402

$1,645

Washington

Bangor Base

98315

$1,741

Colorado

Orchard Mesa

81503

$1,768

Maryland

North Kensington

20895

$2,038

Find average home insurance rates in your state

Ready to shop home insurance?

Start calculator

Find average home insurance rates in your city

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

dropdown arrow

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 our

editorial standards.
  1. Zillow

    . "

    United States Home Values

    ." Accessed May 20, 2022.

Author

Managing Editor & Licensed Home Insurance Expert

Pat Howard

Managing Editor & Licensed Home Insurance Expert

gray twitter icon linkgray linkedin icon link

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.

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.

Questions about this page? Email us at .