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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.

Home insurance rates can vary significantly from one state to another. Several factors contribute to the difference in premiums, including the value of homes in each state and the frequency of natural disasters. Regardless of where you live, shopping around and comparing rates before buying home insurance is important. Use our homeowners insurance calculator to get a insurance estimate today and know how much home insurance costs in your state or city.

Home Insurance Calculator

See how the average annual home insurance rates vary with the options chosen.

Average Annual Home Insurance Rates
33315 - Fort Lauderdale
$1,986 Average rate
$5,304 Highest
rate
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$491 Lowest
rate

Most expensive ZIP for home insurance in
Florida

ZIP Code City Highest Rate
32805 Holden Heights $5,278
33455 Hobe Sound $5,273
33150 Gladeview $5,065
32806 Conway $5,052

Least expensive ZIP for home insurance in
Florida

ZIP Code City Lowest Rate
34234 North Sarasota $1,134
32071 O Brien $1,136
34994 North River Shores $1,137
33544 Wesley Chapel $1,140

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
AL AK AZ AR CA CO CT DC DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY

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.

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Shivani Gite
Contributing Writer

 
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Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.