Average Home Insurance Costs by ZIP Code (2024)

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 continue to skyrocket in 2024

Our 2023 Policygenius Home Insurance Pricing Report found that 94% of policyholders faces a rate increase at renewal from May 20, 2022 to May 20, 2023.

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 in 2022.

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.

And rate hikes aren’t ending any time soon. Wildfires out West, hurricanes in the South, and tornadoes in the heartland have all contributed to home insurance companies pulling out of many states and raising premiums in 2024 to counteract the outsized risk of homeowners filing claims.

We've already seen national insurers including State Farm, Allstate, Nationwide, and Farmers either pull out of states completely or reduce their exposure in high-risk areas, and we continue to see this more as hurricane and wildfire season approach.

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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.