Home Home insurance Average Home Premiums Home insurance estimate by state Home insurance estimate by state Get a homeowners insurance estimate today and know how much home insurance costs in your state or city. By Shivani Gite Shivani Gite 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. | Updated on January 4, 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. 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. 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 $500,000 $600,000 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 Filter Average Annual Home Insurance Rates 33315 - Fort Lauderdale $1,986 Average rate $5,304 Highest rate $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 Select State 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) Washington 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|Saint 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 Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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