The average cost of homeowners insurance in the U.S. is $1,754 per year, according to our latest insurance pricing analysis. While there are several variables at play that can increase or lower your insurance rates, location is one of the single biggest factors that insurers use to calculate premiums. Homes in states, cities, or even ZIP codes that are prone to extreme weather damage or property crime, for example, will generally see higher home insurance premiums due to the high risk of claims.
Compare average home insurance rates by ZIP code
To help you compare how much average home insurance rates where you live, we calculated home insurance costs for over 30,000 ZIP codes across the U.S. Our findings are broken down by ZIP codes with the highest and most affordable rates overall, as well as for various levels of coverage.
Type in your ZIP code or city below to see an average cost estimate of home insurance where you live.
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.
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 |
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 |
How ZIP codes influence home insurance prices
There are several different factors that can impact your premiums — from the age and size of your home to your claims history to your credit score — but where you live is likely the most significant barometer of how much you'll pay for homeowners insurance.
Certain parts of the country, such as parts of Florida and Texas, face a high probability of extreme weather and extensive property damage. And to offset this risk, insurers often increase rates to ensure it's accounting for the losses that they anticipate paying out in a given year.
When insurers increase rates based on anticipated losses, the increases generally apply to homes in the area most at risk — such as a specific ZIP code or community close to the coast or with a high probability of property crime — rather than to the entire state.
When insurers increase rates based on actualized losses, or losses that have already happened, the rate changes will generally spread out to homeowners across the state — or in some cases across the country.
Find average home insurance rates in your state
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Frequently asked questions
Why do neighboring ZIP codes have different average home insurance prices?
Certain ZIP codes, even neighboring ones, are likely exposed to different risks than your ZIP code, and insurance premiums often reflect those difference.
Is there a connection between crime rates and home insurance costs by ZIP code?
In most cases, 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.
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.
