Average homeowners insurance cost in Florida

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

Homeowners in Florida pay an average of $7,118 per year for a standard home insurance policy.

The coverage limit you choose for your dwelling has a major impact on your premium. More protection generally means a higher cost. Higher coverage means higher premiums. State Farm offers some of the lowest rates in the state, making it a good starting point when comparing your options.

Don’t settle for the first quote – reach out to several insurers and dig into available discounts. Since rates hinge on details like your location, the age and construction of your home, your roof’s condition, and your claims history, the prices you’re offered can swing a lot. Getting address-specific quotes from a handful of companies puts you in the best position to land a great rate.

Key Takeaways

Based on our data, homeowners insurance in Florida costs an average of $7,118 per year.
Among all ZIP codes in Florida, 32185 has the most affordable rates, averaging around $3,520 annually.
For the lowest insurer rates in Florida, State Farm comes in at an average annual premium of $4,581.

What is the average cost of homeowners insurance in Florida?

Homeowners in Florida pay an average of $7,118 per year for a policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

How much is home insurance in Florida? Cost by coverage level

Homeowners insurance in Florida costs $7,118 per year on average, based on a policy with $300,000 in dwelling coverage, $100,000 in liability, and a $1,000 deductible.

However, if you increase the dwelling coverage limit from $300,000 to $400,000, you will pay $9,264 per year for homeowners insurance in Florida for $100,000 in liability protection and a $1,000 deductible.

The table below shows average homeowners insurance costs in Florida for dwelling coverage from $200,000 to $1 million.

Coverage	Average annual rate	Average monthly rate
$200,000 with $1,000 Deductible and $200,000 Liability and 2% Hurricane	$5,260	$438
$200,000 with $1,000 Deductible and $300,000 Liability and 2% Hurricane	$5,276	$440
$300,000 with $1,000 Deductible and $200,000 Liability and 2% Hurricane	$7,118	$593
$300,000 with $1,000 Deductible and $300,000 Liability and 2% Hurricane	$7,136	$595
$400,000 with $1,000 Deductible and $200,000 Liability and 2% Hurricane	$9,264	$772
$400,000 with $1,000 Deductible and $300,000 Liability and 2% Hurricane	$9,283	$774
$600,000 with $1,000 Deductible and $200,000 Liability and 2% Hurricane	$13,709	$1,142
$600,000 with $1,000 Deductible and $300,000 Liability and 2% Hurricane	$13,729	$1,144
$1,000,000 with $2,500 Deductible and $200,000 Liability and 2% Hurricane	$20,688	$1,724
$1,000,000 with $2,500 Deductible and $300,000 Liability and 2% Hurricane	$20,711	$1,726

Average home insurance cost in Florida by insurer

The most affordable homeowners insurance in Florida comes from State Farm, which averages $4,581 per year. Security First Insurance and Citizens Property Insurance are also worth considering.

Shopping around can save you hundreds, or more, each year.

Below are average annual and monthly premiums for Florida homeowners, based on a policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

Company	Average annual rate	Average monthly rate
State Farm	$4,581	$382
Security First Insurance	$5,037	$420
Citizens Property Insurance	$5,679	$473
HCI Group Inc	$6,993	$583
Progressive	$7,891	$658
Heritage Insurance Holdings	$7,997	$666
Nationwide	$8,131	$678
Universal Insurance Holding	$9,008	$751
Allstate	$11,787	$982

How to lower your home insurance rate

Shop around. The first quote you receive is rarely the best one. Getting estimates from at least three or four insurers gives you a clearer picture of what’s available in Florida.
Bundle your policies. Combining home and auto insurance, or renters and auto, with the same provider is one of the most common ways to unlock multi-policy discounts.
Ask about smart home discounts. Security systems, smoke detectors, and leak sensors are the kinds of upgrades that can bring your premium down.
Check for other savings. Loyalty discounts, claims-free rewards, and home improvements like fire-resistant roofing are worth asking about at renewal.

How does your ZIP code affect home insurance rates in Florida?

Your ZIP code is one of the biggest factors in your home insurance rate, because it tells the insurer how much risk comes with your location. Areas with higher crime rates, frequent natural disasters, or high rebuilding costs are treated as higher-risk-and that pushes premiums up.

Below are the most affordable and most expensive ZIP codes for home insurance in Florida

Most affordable ZIP codes for home insurance in Florida

The lowest rates in Florida are found in 32185, where homeowners pay an average of $3,520 per year.

Where you live in Florida has a real impact on what you’ll pay for home insurance – and your ZIP code is one of the largest drivers of that difference.

Below are average homeowners insurance rates for some of the most affordable ZIP codes in Florida.

ZIP code	Average annual rate	Average monthly rate
32185	$3,520	$293
32601	$3,624	$302
32187	$3,685	$307
32181	$3,687	$307
32007	$3,690	$308
32148	$3,692	$308
32157	$3,693	$308
32189	$3,697	$308
32147	$3,700	$308
32138	$3,705	$309

Most expensive ZIP codes for home insurance in Florida

33149 carries the highest average home insurance rates in Florida, at $19,934 per year.

ZIP codes with higher premiums typically reflect a combination of elevated crime, greater natural disaster exposure, and higher local costs of living and construction.

Below are average rates for some of the most expensive ZIP codes in Florida.

ZIP code	Average annual rate	Average monthly rate
33149	$19,934	$1,661
33154	$19,802	$1,650
33141	$19,108	$1,592
33140	$19,107	$1,592
33109	$18,856	$1,571
33180	$18,743	$1,562
33160	$18,730	$1,561
33156	$18,595	$1,550
33157	$18,576	$1,548
33037	$18,486	$1,540

Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.

Home insurance rates in Florida by city

See rates in your city

What’s the trend in home insurance rates for Florida?

From the span of 2023 to 2025, Florida saw home insurance rates decrease by 6%, in line with how the state’s insurance market has been trending overall.

The table below breaks down the year-over-year rate changes going back to 2022:

2022 rates	2023 rates	2025 rates
$2,170	$7,536	$7,118

What are the best homeowners insurance companies in Florida?

Our data points to State Farm as the best overall pick in Florida, thanks to its AM Best rating of A- and one of the lowest NAIC complaint scores in the state.

We ranked insurers using two measures that matter most when you’re counting on coverage:

AM Best Ratings reflect financial strength-essentially, how confidently a company can cover claims.
NAIC Complaint Scores track complaints in proportion to a company’s size, so a lower number means fewer headaches for policyholders.

Combined, they offer a clear read on whether an insurer is both financially sound and easy to deal with. In the table below, you’ll find the top companies in Florida compared by annual premium, financial rating, and complaint history.

Company	Average annual premium	Am Best Rating	NAIC Complaint Index	Overall score
State Farm	$4,581	A-	1.15	4.16
Progressive	$7,891	A+	1.5	3.92
Nationwide	$8,131	A	1.34	3.8
Universal Insurance Holding	$9,008	A-	1.84	3.56
Allstate	$11,787	A+	1.26	3.44

How to understand insurer ratings and complaint data

When choosing an insurer, you want to know if the company can pay your claim, and if customers are satisfied with it. Rating agencies track this data so you can make an informed decision at renewal.

Here are the two ratings that we have referred to:

AM Best: A global agency that rates insurers based on their financial strength and ability to pay claims. A higher score means the company is more financially stable.
NAIC Complaint Index: The National Association of Insurance Commissioners tracks consumer complaints. A score below 1.00 means fewer complaints than expected for a company of that size, while a score above 1.00 means more complaints than expected.

What factors affect your home insurance rate?

Insurers price home insurance based on the level of risk your property and profile represent. They decide that based on:

Where you live. Local crime rates, weather exposure, and claims frequency in your neighborhood all influence your rate.
Your claims history. A history of past claims typically results in a higher premium.
Your credit-based insurance score. In most states, a lower credit score can mean a higher premium (Restricted in some states, like California and Massachusetts).
Your coverage limits and deductible. Higher coverage or a lower deductible will increase what you pay.

It’s also worth noting that home insurance costs have been rising broadly. According to S&P Global Market Intelligence’s RateWatch application, premiums for owner-occupied homes climbed more than 11% nationwide in 2023.

Resources and Methodology

Sources:

S&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed August 2026.

Methodology

Insure.com worked with Quadrant Information Services to compile homeowners insurance data, analyzing 37,973,840 quotes from 75 company groups (134 companies) across 34,595 ZIP codes in all 51 states.

Rates are based on a sample homeowner profile with good credit and the following coverage:

$300,000 dwelling coverage
$100,000 liability protection
$1,000 deductible

The national average annual premium (non-hurricane deductible) is $2,543.

Company rankings factor in:

AM Best rating: 30%
NAIC score: 35%
Annual premium: 35%

All quoted rates are for comparison purposes and individual premiums may vary.

Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.