Home Home insurance Average homeowners insurance cost by ZIP code in 2024 Average homeowners insurance cost by ZIP code in 2024 Our analysis shows that 28480 is the most expensive ZIP code, and 96813 is the cheapest ZIP code for homeowners insurance. View Carriers Please enter valid zip Compare top carriers in your area Written by Barry Eitel Barry Eitel Barry Eitel is a content writer and journalist focused on insurance, small business and finance. He has researched and written about personal finance since 2012, with a special focus on entrepreneurship, freelancing and other small business operations. His writing on insurance and small business has been featured in 7x7, Brit + Co, Intuit Quickbooks, Bankrate, Policygenius and Lendio. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service. | Expert insight from Brenda Wells Brenda Wells Chair of the Department of Finance and Insurance, East Carolina University.Go to comment | Updated on: November 12, 2024 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. Our analysis of rates from top insurers for every state and nearly every city — down to the ZIP code — found the average annual cost of homeowners insurance to be $2,601. That’s the average for a home insurance policy with $300,000 in dwelling coverage and personal liability and a $1,000 deductible. States with frequent hurricanes, hailstorms, tornadoes, and earthquakes tend to have higher home insurance rates. “Different geographic regions are susceptible to different causes of loss. For instance, we don’t tend to have hurricanes in the mid-Western United States, but we do have lots of tornadoes there. Living on the water increases flood risk,” says Brenda Wells, chair of the Department of Finance and Insurance at East Carolina University. To get the best rates for your situation, shop around with at least three to five insurance companies. By comparing rates from multiple insurers, you can get the best possible coverage at the lowest price. Summary of average homeowners insurance cost Average annual home insurance cost$2,601/year Average home insurance cost per month$217/month Least expensive ZIP96813 – $610/year Most expensive ZIP 28480 – $29,684/year Cheap home insurance providerAllstate – $2,098/year Average home insurance cost for $400K home$3,231/year Key Takeaways ZIP code 28480 in Wrightsville Beach, North Carolina, is the most expensive ZIP code for homeowners insurance with an average cost of $26,086 annually. ZIP code 96813 in Honolulu, Hawaii, is the least expensive ZIP code for homeowners insurance with an average cost of $610 per year. Hawaii is the least expensive state for home insurance, but hurricane damage is excluded from standard policies. Estimate the average cost of homeowners insurance by ZIP code A homeowners insurance calculator is provided below to help you estimate the average cost of home insurance by ZIP code. Home Insurance Calculator See how the average annual home insurance rates vary with the options chosen. ZIP Dwelling Dwelling coverage pays for the rebuilding or repair of your physical home structure. Choose an amount that would cover the cost of rebuilding your home. $200,000$300,000$400,000$600,000$1,000,000 Liability Covers the medical expenses of people who are hurt while in your home or on your property, as well as damage you caused to others’ property. Also covers legal fees if you are sued by someone hurt in your home or on your property. Limits of $300,000 or $500,000 are recommended. $100,000$300,000 Deductible Hurricane (2% of insured value)Standard ($1000) Filter Average Annual Home Insurance Rates 33315 - Fort Lauderdale $10,230 Average rate $19,810 Highest rate The estimated highest premium from one of the carriers near 33315 $2,341 Lowest rate The estimated lowest premium from one of the carriers near 33315 Most expensive ZIP for home insurance in Florida ZIP Code City Average Rate 33070 Islamorada Village of Islands $18,374 33037 Key Largo $18,140 33036 Islamorada Village of Islands $18,033 33001 Long Key $18,014 Least expensive ZIP for home insurance in Florida ZIP Code City Average Rate 32307 Tallahassee $2,251 32313 Tallahassee $2,251 32306 Tallahassee $2,251 32308 Tallahassee $2,267 Methodology Insure.com commissioned Quadrant Information Systems to field home insurance rates from major insurers in each state for nearly all ZIP codes in the country for 10 coverage levels based on various dwelling and deductible limits. The homeowner profile is a 35-year-old married applicant with excellent insurance score; new business HO3 policy for house built in 2000 with frame construction and composition roof. Other Structures: 10%. Loss of Use defaulted: 10%. Guest Medical limit: $5,000. Deductible limit: $1,000. Personal property: 50% of dwelling coverage for replacement value 💡 Calculator data updated in 2024 Average homeowners insurance premiums by ZIP code and city Homeowners insurance premiums vary greatly depending on your ZIP code. Your location determines the risks that are most likely to result in a claim, and the more severe and common those risks are, the more you are likely to pay. The same applies to the cost of building materials in your area. “Cost of living varies from town to town and city to city, which affects reconstruction and repair costs,” Wells says. The least expensive ZIP code for homeowners insurance is 96813 in Honolulu, Hawaii, at $610 a year on average. 28480 in Wrightsville Beach, North Carolina is the most expensive ZIP code for home insurance with a sky-high average annual rate of $29,684. That’s a significant difference of about $29,000 a year. Rankings for the priciest ZIP codes were determined by identifying the ZIP code with the highest average rate for home insurance in each state and then listing them in descending order. For the cheapest, rankings were determined by identifying the neighborhoods with the least expensive average rates for home insurance and then listing them in ascending order for the following coverage level: $300,000 in dwelling coverage $1,000 deductible $300,000 liability coverage 2% hurricane deductible where applicable Highest homeowners insurance rates by ZIP code Our analysis of the average cost of home insurance for nearly every ZIP code in the country found that the highest homeowners insurance rates belong to ZIP code 28480 in Wrightsville Beach, North Carolina. Its location on the coast leaves it vulnerable to hurricanes. ZIP codes in Islamorada, Florida, and El Lago, Texas ranked second and third. It’s no surprise that many of the most expensive ZIP codes for homeowners insurance are in states that experience a lot of severe weather. The most expensive ZIP codes in Texas, Louisiana, Alabama, the Carolinas, and, of course, Florida all have coastal areas prone to catastrophic storms that are costly to insurers, who then pass that cost on to homeowners. Texas, Kansas, Oklahoma, Florida, Alabama, and Mississippi also have a lot of tornadoes. The more claims insurers pay out for damage caused by wind, hail, and rain, the higher homeowners insurance costs will be for everyone. Take a look at the most expensive ZIP code in each state below. Compare the most expensive ZIP codes for home insurance State ZIP code City Average annual premium Alaska99755Denali National Park$3,094Alabama36528Dauphin Island$10,652Arkansas72540Guion$6,089Arizona85931Forest Lakes$3,936California92325Crestline$2,084Colorado81052Lamar$6,636Connecticut6413Clinton$3,196Washington, D.C.20500Washington$1,342Delaware19944Fenwick Island$2,237Florida33070Islamorada Village of Island$26,086Georgia31522St. Simons$3,518Hawaii96763Lanai City$616Iowa51501Council Bluffs$3,118Idaho83539Kooskia$2,187Illinois60644Chicago$4,693Indiana46403Gary$3,773Kansas67868Pierceville$7,172Kentucky42083Tiline$4,298Louisiana70358Grand Isle$10,981Massachusetts02552Menemsha$3,157Maryland21824Ewell$2,673Maine4929Detroit$1,629Michigan48226Detroit$5,540Minnesota55417Minneapolis$2,706Missouri64125Kansas City$4,585Mississippi39553Gautier$11,608Montana59319Capitol$6,955North Carolina28480Wrightsville Beach$29,684North Dakota58533Elgin$3,618Nebraska69353McGrew$8,376New Hampshire03870Rye$1,606New Jersey8203Brigantine$2,456New Mexico88135Texico$5,552Nevada89109Las Vegas$1,793New York11976Water Mill$3,491Ohio45630Friendship$2,889Oklahoma73128Oklahoma City$7,031Oregon97503White City$3,425Pennsylvania19141Philadelphia$2,983Rhode Island02882Narragansett$2,203South Carolina29585Pawleys Island$6,965South Dakota57751Keystone$4,377Tennessee38127Memphis$4,525Texas77586El Lago$14,025Utah84080Vernon$2,143Virginia23459Virginia Beach$4,196Vermont05750Hydeville$1,444Washington99140Keller$1,955Wisconsin54028Woodville$1,907West Virginia25666Breeden$2,480Wyoming82061Horse Creek$2,641 Lowest homeowners insurance rates by ZIP code ZIP code 96813 in Honolulu, Hawaii, has the lowest average homeowners insurance cost in the nation, but dozens of other Hawaii ZIP codes are also among the cheapest in the country. Why does Hawaii have such low home insurance rates? One factor is that standard home policies in Hawaii do not cover hurricane damage. Ever since Hurricane Iniki in 1992, homeowners in Hawaii must buy separate hurricane damage policies, per Michael Barry, chief communications officer of the Insurance Information Institute (III). Hawaii is also one of the few states that don’t allow insurance companies to use credit ratings when pricing policies. Other locations on the cheapest list are low compared to the rest of the country, in part, because of the following factors: Few major weather-related losses Low crime rates Relatively few major liability lawsuits filed Rural areas and cities with low population density typically have lower home insurance rates because rebuilding costs are more affordable. Compare the least expensive ZIP codes for home insurance State ZIP code City Average annual premium Alaska99824Douglas$1,220Alabama35124Helena$2,488Arkansas72758Rogers$3,446Arizona85336Gadsden$1,753California95051Santa Clara$990Colorado81504Clifton$2,401Connecticut6790Torrington$1,894Washington, D.C.20001Washington$1,342Delaware19808Pike Creek$1,006Florida32072Olustee$2,886Georgia30683Athens$2,008Hawaii96813Honolulu$610Iowa52001Dubuque$2,278Idaho83708Boise City$1,766Illinois61702Bloomington$2,332Indiana46537La Paz$2,435Kansas66030Gardner$3,899Kentucky41075Fort Thomas$2,367Louisiana71104Shreveport$2,755Massachusetts1342Deerfield$1,167Maryland20852North Bethesda$1,370Maine4851Matinicus$1,242Michigan49440Muskegon$1,766Minnesota56601Bemidji$2,211Missouri63368Dardenne Prairie$2,848Mississippi39107Mc Adams$2,523Montana59921Lake Mc Donald$2,287North Carolina28658Newton$1,752North Dakota58201Grand Forks$2,856Nebraska68510Lincoln$4,003New Hampshire3052Litchfield$1,138New Jersey8803Baptistown$1,207New Mexico88021Anthony$1,738Nevada89701Carson City$1,324New York14515North Greece$1,246Ohio44274Sharon Center$1,677Oklahoma74960Bell$5,043Oregon97224King City$1,439Pennsylvania15101Allison Park$1,571Rhode Island2864Cumberland$1,762South Carolina29614Greenville$1,695South Dakota57005Brandon$3,073Tennessee37682Milligan College$2,159Texas79905El Paso$2,024Utah84015Clearfield$1,508Virginia22301Alexandria$1,518Vermont5404Winooski$1,120Washington98383Chico$1,313Wisconsin53081Sheboygan$1,495West Virginia26505Morgantown$1,495Wyoming82901North Rock Springs$1,517 Average home insurance cost by state Below, you can compare your state’s average home insurance costs to others nationwide. This homeowners insurance comparison by state shows average homeowners insurance for a $300,000 house (by dwelling coverage, not market value) with a $1,000 deductible. State Average annual premium Alaska$1,708Alabama$3,147Arkansas$3,958Arizona$2,490California$1,405Colorado$4,099Connecticut$2,231Washington, D.C.$1,342Delaware$1,384Florida$4,419Georgia$2,302Hawaii$613Iowa$2,654Idaho$1,961Illinois$3,062Indiana$2,991Kansas$4,843Kentucky$3,326Louisiana$3,594Massachusetts$1,640Maryland$1,715Maine$1,391Michigan$2,411Minnesota$2,420Missouri$3,543Mississippi$3,380Montana$3,289North Carolina$2,941North Dakota$3,147Nebraska$4,800New Hampshire$1,221New Jersey$1,526New Mexico$2,647Nevada$1,467New York$1,816Ohio$2,160Oklahoma$5,858Oregon$1,755Pennsylvania$1,911Rhode Island$1,950South Carolina$2,678South Dakota$3,390Tennessee$3,060Texas$3,851Utah$1,802Virginia$2,151Vermont$1,263Washington$1,612Wisconsin$1,662West Virginia$1,911Wyoming$1,897 QuickTake Homeowners insurance calculator: Estimate the cost of homeowners insurance Average home insurance rates for recommended coverage When your home's market value is less than its insurance value See more > How much is homeowners insurance per month? The average cost of homeowners insurance is $217 per month. However, rates vary significantly from state to state and city to city. Home insurance monthly costs range from the highest in Oklahoma at $488 to the lowest in Hawaii at $51. RankStateAverage monthly premium1Oklahoma $4882Kansas $4043Nebraska $4004Florida $3685Colorado $3426Arkansas $3307Texas $3218Louisiana $2999Missouri $29510South Dakota $28311Mississippi $28212Kentucky $27713Montana $27414Alabama $26215North Dakota $26216Tennessee $25517Illinois $25518Indiana $24919North Carolina $24520South Carolina $22321Iowa $22122New Mexico $22123Arizona $20824Minnesota $20225Michigan $20126Georgia $19227Connecticut $18628Ohio $18029Virginia $17930Idaho $16331Rhode Island $16232West Virginia $15933Pennsylvania $15934Wyoming $15835New York $15136Utah $15037Oregon $14638Maryland $14339Alaska $14240Wisconsin $13841Massachusetts $13742Washington $13443New Jersey $12744Nevada $12245California $11746Maine $11647Delaware $11548Washington, D.C. $11249Vermont $10550New Hampshire $10251Hawaii $51 Pay close attention to the fine print regarding deductibles. Insurers have been hard hit the last few years, and some are now requiring percentage deductibles for certain risks, especially if you live in a coastal region, according to David Marlett, managing director of the Brantley Risk and Insurance Center and a distinguished professor of insurance at Appalachian State University. These are usually separate deductibles and you would still have a regular flat-rate deductible on top of it. “A wind/hurricane/named storm deductible of 2 to 5% is pretty common. It can certainly add up considering the value of coastal properties,” explains Dr. Marlett. “If you insure a home for $500,000 replacement cost and have a 5% ‘named storm’ deductible, the consumer pays the first $25,000 for losses from a tropical storm or hurricane.” Dr. Marlett suggests homeowners get quotes from multiple companies and ask each insurer to provide a quote based on a $500, $1,000 or $2,500 deductible option. Compare these quotes against each other — and remember to ask about any available discounts. Average homeowners insurance costs by company To give you an idea of which insurance companies in your area offer the lowest rate, below are the average annual premiums from top home insurers for an insurance policy with coverage limits of: Dwelling coverage: $300,000 Deductible: $1,000 Liability: $300,000 CompanyAverage annual premiumAllstate$2,098 State Farm$2,169 American Family$2,504 USAA*$2,506 Nationwide$2,746 Progressive$3,193 Farmers$3,194 Travelers$3,701 *USAA is only available to military families Average homeowners insurance costs by coverage level We compiled the nationwide average home insurance costs based on different coverage amounts, all with a $1,000 deductible. You can compare average rates for 10 coverage levels in the table below. Dwelling coverageLiability coverageAverage annual premium$200,000$100,000$1,988 $200,000$300,000$2,005 $300,000$100,000$2,582 $300,000$300,000$2,601 $400,000$100,000$3,211 $400,000$300,000$3,231 $600,000$100,000$4,651 $600,000$300,000$4,677 $1,000,000$100,000$7,380 $1,000,000$300,000$7,412 Once you know how much coverage you need, see your state’s average rates for eight different coverage levels in the table below. You can also get more information by reading our average rates for recommended coverage levels guide. How much is homeowners insurance on a $200,000 house? The average cost of home insurance is $2,005 a year for $200,000 in dwelling coverage, $300,000 in liability, and a $1,000 deductible. Remember that this is not related to the home’s market value. How much does homeowners insurance cost for a $300,000 house with $100,000 liability? The average cost of homeowners insurance at $300,000 in dwelling coverage is $1,988, with $100,000 in liability and a $1,000 deductible, The $300,000 in dwelling coverage reflects replacement cost, not market value. How much is homeowners insurance on a $400,000 house? The average annual rate for a home with $400,000 in dwelling coverage, $300,000 in liability and a $1,000 deductible is $3,231 a year or $269 per month, according to our rate analysis. Again, this is not based on market value. In the table below, see how much it costs to insure a $400,000 replacement cost home in each state with $300,000 in liability and a $1,000 deductible. StateAverage annual premiumAlaska$2,064 Alabama$3,872 Arkansas$4,795 Arizona$3,063 California$1,772 Colorado$4,976 Connecticut$2,723 Washington, D.C.$1,703 Delaware$1,729 Florida$5,516 Georgia$2,882 Hawaii$791 Iowa$3,230 Idaho$2,449 Illinois$3,693 Indiana$3,720 Kansas$6,220 Kentucky$4,246 Louisiana$4,564 Massachusetts$1,998 Maryland$2,131 Maine$1,741 Michigan$3,063 Minnesota$2,999 Missouri$4,370 Mississippi$4,220 Montana$4,065 North Carolina$3,678 North Dakota$3,898 Nebraska$5,959 New Hampshire$1,488 New Jersey$1,894 New Mexico$3,489 Nevada$1,853 New York$2,349 Ohio$2,621 Oklahoma$7,294 Oregon$2,185 Pennsylvania$2,316 Rhode Island$2,381 South Carolina$3,335 South Dakota$4,275 Tennessee$3,768 Texas$4,744 Utah$2,161 Virginia$2,752 Vermont$1,555 Washington$2,017 Wisconsin$2,038 West Virginia$2,354 Wyoming$2,490 What our expert says Brenda WellsChair of the Department of Finance and Insurance at East Carolina University. “Different geographic regions are susceptible to different causes of loss. For instance, we don’t tend to have hurricanes in the mid-Western United States, but we do have lots of tornadoes there.” Factors that affect the cost of homeowners insurance Location plays a major role in the cost of homeowners insurance policies. Here’s what insurers consider related to location: Weather — areas that experience more natural disasters will likely have higher premiums Population density Proximity to a fire department and fire hydrant Claims history for the area “Distance from a fire hydrant and a fire department matter, as response times in critical situations are delayed with greater distance,” Wells says. Home insurance rates are also based on other factors, including: The age of your home The building materials your home was constructed with The claims history of your house Your credit history (except in California, Massachusetts and Maryland) Your marital status How much coverage you buy and the deductible you choose Home insurance discounts you qualify for “An old wood home is more flammable, and will thus cost more to insure than a brick home, which is more fire resistant. Newer homes tend to be more wind and fire resistant, though that can vary with the geographic region and building codes,” Wells says. More specifically, each state has its own unique situation that may cause insurance rates to increase or drop. The frequency of severe weather and how home insurance covers damage from that weather can have a big impact on rates, as shown in the examples below. Oklahoma home insurance rates: 125% higher than average Oklahoma is the most expensive state in the country for homeowners insurance. It had 314 major hail events and 48 tornadoes in 2023, according to the National Oceanic and Atmospheric Administration’s Storm Prediction Center. Andrew Schallhorn, Deputy Commissioner of Financial Regulation and Chief Actuary for the Oklahoma Insurance Department, explains, “Homeowners rates in Oklahoma are high for many reasons including weather (tornados, hail, ice).” Kansas home insurance rates: 86% higher than average Kansas is part of the “Tornado Alley” — an area where destructive tornadoes are more likely to occur. Kansas had 39 tornados in 2023 and a total of 761 severe wind events. Besides tornadoes, hail damage is another reason home insurance rates are much more expensive in Kansas than in most other states. Kansas had 459 severe hail events in 2023. Nebraska home insurance rates: 85% higher than average Nebraska sees a range of severe weather, topping both aforementioned states for tornadoes in 2023 with a total of 81 tornadoes. The state also counted 486 severe hail events, including one in April of 2023, when hailstones of up to three inches in diameter were reported. And Nebraska also sees major winter storms that can bring serious damage. New Hampshire home insurance rates: 53% lower than average With only a small amount of coastline, New Hampshire’s mostly inland location insulates it from the hurricane damage many neighboring states see. In general, there is a low incidence of severe weather events, helping to keep home insurance rates low. Hawaii home insurance rates: 76% lower than average Hawaii’s low home insurance rates are partly because home insurance policies exclude hurricane damage. However, banks require a supplemental hurricane insurance policy to approve a mortgage in Hawaii; this total cost should be considered when pricing home insurance here. How to save on homeowners insurance No matter where your home is, there are some ways you can save some money on your policy. Compare insurance quotes. Always compare home insurance quotes from at least three companies at least once a year. The best company for you today might not be the best later if your circumstances change, like if you file a claim or remodel your home. Even if nothing changes, comparing competitors regularly is always worth it. Ask about discounts. Insurance companies offer discounts for different situations, like first-time homeowners or upgrading your security system. You can also look into bundling your home and auto insurance. Raise your deductible. Raising your home insurance deductible can reduce your payments by 20% and 40% depending on your insurance company and coverage. Make sure you can afford the deductible if you need to pay it. Methodology Insure.com compared homeowners insurance rates in 2024 provided by Quadrant Data Solutions for dwelling coverage ranging from $200,000 to $1,000,000 with liability limits of $100,000 and $300,000 and a deductible of $1,000 for all available ZIP codes. For state averages, a filter was used to remove rates over $10,000 a year; the purpose of this was to ensure that a few ZIP codes with excessively high rates did not skew the average. ZIP codes were ranked based on the average rates for dwelling coverage of $300,000, liability coverage of $300,000, and a $1,000 deductible. A 2% hurricane deductible was included where applicable. For ZIP code-level data. How much is home insurance in your state or city Compare home insurance rates by state and learn about how home insurance works in your area. Select your state or city from the below list to get an estimate of home insurance cost. Alaska ($1,867/year) Anchorage|Fairbanks|Juneau|Sitka|Wasilla Alabama ($2,882/year) Beaverton|Gardendale|Huntsville|Mobile|Tuscaloosa Arkansas ($4,062/year) Fayetteville|Fort Smith|Jonesboro|Little Rock Arizona ($1,947/year) Chandler|Gilbert|Mesa|Phoenix|Tucson California ($1,357/year) Anaheim|Brisbane|Chino|Clovis|Costa Mesa|Huntington Beach|Los Angeles|San Francisco|Santa Clarita|Temecula Colorado ($3,376/year) Arvada|Colorado Springs|Mesa Connecticut ($2,165/year) Bridgeport|Hartford|New Haven|Stamford|Waterbury Washington D.C. ($1,203/year) Delaware ($1,230/year) Dover|Middletown|Newark|Smyrna|Wilmington Florida ($2,260/year) Boca Raton|Fort Lauderdale|Havana|Melbourne|Mount Dora|Pensacola|San Antonio|Sydney|Tampa Georgia ($2,375/year) Atlanta|Columbus|Savannah Hawaii ($562/year) Iowa ($2,389/year) Cedar Rapids|Davenport|Des Moines Idaho ($1,879/year) Caldwell|Idaho Falls|Meridian|Nampa Illinois ($2,589/year) Aurora|Chicago|Joliet|Naperville|Rockford Indiana ($2,707/year) Evansville|Fishers|Fort Wayne|Indianapolis|South Bend Kansas ($4,648/year) Olathe|Overland Park|Topeka|Wichita Kentucky ($3,153/year) Bowling Green|Covington|Owensboro Louisiana ($2,843/year) Baton Rouge|Lafayette|Lake Charles|New Orleans|Shreveport Massachusetts ($1,583/year) Boston|Leeds|Milton|Norfolk|Richmond|Rochdale|Springfield|Tewksbury|Wilmington|Worcester Maryland ($1,685/year) Baltimore|Bowie|Frederick|Gaithersburg|Rockville Maine ($1,420/year) Auburn|Bangor|Lewiston|Portland|South Portland Michigan ($2,306/year) Ann Arbor|Detroit|Grand Rapids|Sterling Heights|Warren Minnesota ($2,307/year) Bloomington|Duluth|Minneapolis|Rochester|St. Paul Missouri ($3,335/year) Kansas City|Mountain View|Spokane Mississippi ($3,541/year) Biloxi|Gulfport|Hattiesburg|Jackson|Southaven Montana ($2,857/year) Billings|Bozeman|Great Falls|Missoula North Carolina ($2,689/year) Cary|Charlotte|Durham|Fayetteville|Frisco|Greensboro|Nashville|Raleigh|Vaughan|Winston Salem North Dakota ($2,931/year) Bismarck|Fargo|Grand Forks|Minot|West Fargo Nebraska ($4,614/year) Bellevue|Grand Island|Kearney|Lincoln|Omaha New Hampshire ($1,190/year) Concord|Dover|Manchester|Nashua|Rochester New Jersey ($1,245/year) Birmingham|Columbus|Highland Park|Jersey City|Lakewood New Mexico ($2,530/year) Albuquerque|Las Cruces|Rio Rancho|Roswell|Santa Fe Nevada ($1,433/year) Fernley|Incline Village|Las Vegas|Mesquite|Pahrump|Reno|Silver Springs|Sparks|West Wendover|Yerington New York ($1,727/year) Appleton|Atlanta|Bloomington|Denver|Hamilton|Memphis|New York|Philadelphia|Phoenix|Stafford Ohio ($2,005/year) Cincinnati|Fresno|Grand Rapids|Roseville|Toronto Oklahoma ($4,934/year) Broken Arrow|Edmond|Norman|Tulsa Oregon ($1,491/year) Eugene|Gresham|Hillsboro|Portland|Salem Pennsylvania ($1,820/year) Allentown|Erie|Philadelphia|Pittsburgh|Reading Rhode Island ($1,534/year) Cranston|East Providence|Pawtucket|Providence|Warwick South Carolina ($2,751/year) Charleston|Columbia|Mount Pleasant|North Charleston|Rock Hill South Dakota ($3,514/year) Aberdeen|Brookings|Sioux Falls|Watertown Tennessee ($2,857/year) Chattanooga|Clarksville|Knoxville|Memphis Texas ($3,977/year) Austin|Chico|Chula Vista|Dallas|Fort Worth|Houston|Pasadena|Plano|San Antonio|San Diego|Sunnyvale Utah ($1,411/year) Redmond|Santa Clara|South Jordan|West Jordan Virginia ($2,043/year) Ashburn|Carrollton|Markham|Reston|St. Paul|Virginia Beach Vermont ($1,158/year) Barre|Burlington|Essex Junction|Rutland|South Burlington Washington ($1,643/year) Bellevue|Seattle|Spokane|Tacoma|Vancouver Wisconsin ($1,495/year) Green Bay|Kenosha|Madison|Milwaukee West Virginia ($1,781/year) Charleston|Huntington|Morgantown Wyoming ($1,846/year) Casper|Cheyenne|Gillette|Laramie Barry EitelContributing Researcher  . .Barry Eitel is a content writer and journalist focused on insurance, small business and finance. He has researched and written about personal finance since 2012, with a special focus on entrepreneurship, freelancing and other small business operations. His writing on insurance and small business has been featured in 7x7, Brit + Co, Intuit Quickbooks, Bankrate, Policygenius and Lendio. In case you missed it What is HO-6 condo insurance and how much does it cost? What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Renters insurance quotes: Compare rates Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance rates? Mobile home insurance cost and coverage in 2024 Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance in 2024 How much flood insurance do I need? 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By Les Masterson Condo insurance calculator: Estimate the cost of coverage By Jessica Olson How to find a homeowners insurance policy By Shivani Gite Renters insurance calculator: How much renters insurance costs by state and city in 2024 By Shivani Gite On this page Estimate the average cost of homeowners insurance by ZIP codeAverage homeowners insurance premiums by ZIP code and cityAverage home insurance cost by stateHow much is homeowners insurance per month?Average homeowners insurance costs by companyAverage homeowners insurance costs by coverage levelWhat our expert saysFactors that affect the cost of homeowners insuranceHow to save on homeowners insurance ZIP Code Please enter valid ZIP See rates