Compare Rates and Save on Home Insurance

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While home insurance costs an average of $2,614 per year, these rates can change depending on your home, location, coverage levels and more. By understanding how rates can change, you can make informed decisions about your policy — from choosing your coverage level to deciding on a deductible.

MoneyGeek conducted a comprehensive study providing average rates on home insurance coverage to take the guesswork out of finding the right coverage for you.

Table of Contents
Key Takeaways

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According to MoneyGeek’s study, the average home insurance cost in the United States is $2,614 annually or $218 monthly.

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The home’s location, value and level of insurance coverage purchased are the most significant factors determining your annual home insurance cost.

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Making your home more secure, updating the appliances and raising your deductible are a few ways to save on the cost of home insurance.

Insurance Rates

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What Is The Average Cost of Home Insurance?

House with the average cost of home insurance at $2,614 per year

Home insurance rates average $2,614 per year for a policy with $250,000 in dwelling coverage, $125,000 in personal property coverage and $125,000 in personal liability coverage. However, changing your coverage level or provider or living in a hazard-prone state can change the average.

Take a look at how rates can change by dwelling coverage and which provider offers the cheapest policies below.

Provider
Annual Premium

State Farm

$1,026

Nationwide

$1,236

Farmers

$1,242

Allstate

$1,449

State Farm

$1,895

Farmers

$2,135

Allstate

$2,399

Nationwide

$2,432

Travelers

$3,674

Travelers

$5,717

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Home Insurance Calculator

ByMandy Sleight, Licensed Insurance Agent

MoneyGeeks's home insurance calculator will give you a ballpark estimate of your home insurance cost - it's free, no personal information required, no spam.

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Rates Updated:

Oct, 04, 2023

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California
26-29
Excellent (750-850)
Home
$500,000
$500
$150,000
$100,000
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User Info
California
26-29
Excellent (750-850)
Home
$500,000
$500
$150,000
$100,000

Average Cost of Home Insurance by Dwelling Coverage

Home insurance costs depend highly on your dwelling coverage, which pays to rebuild or replace your home in case of structural damage due to a covered event. The average cost of a typical home insurance policy with $250,000 in dwelling coverage in 2023 is $2,614 per year or $218 per month. However, if you bump your limits to $500,000, the average cost is $4,373 per year — a difference of $1,759 for double the coverage.

Coverage
Average Annual Premium

$100K Dwelling / $50K Personal Property / $100K Liability

$1,518

$250K Dwelling / $125K Personal Property / $200K Liability

$2,614

$500K Dwelling / $250K Personal Property / $300K Liability

$4,373

$750K Dwelling / $375K Personal Property / $500K Liability

$6,139

$1MM Dwelling / $500K Personal Property / $1MM Liability

$7,947

Choosing the right dwelling coverage is essential for you as a homeowner. While going for the lowest coverage to save on premiums might be tempting, this choice can be risky. If disaster were to strike, insufficient coverage could leave you grappling with hefty out-of-pocket expenses to repair or rebuild your home. It's a delicate balance: underinsuring might cost you dearly when you least expect it while overinsuring means paying more than you should. By insuring your home adequately, you're not just protecting your property but also securing your financial future.

Average Cost of Home Insurance by Deductible

A home insurance deductible is the amount you will pay toward a covered claim. For example, if you have a home deductible of $1,000 and a covered claim of $10,000, you're responsible for $1,000, and the insurer will pay the remaining $9,000.

Review the table below to see examples of how your premiums will increase as your deductible decreases based on your desired coverage level.

Deductible
Annual Premium

$500

$1,635

$500

$8,584

$500

$2,821

$500

$4,721

$500

$6,631

$1000

$1,518

$1000

$7,947

$1000

$2,614

$1000

$4,373

$1000

$6,139

$1500

$1,441

$1500

$7,541

$1500

$2,479

$1500

$4,151

$1500

$5,826

$2000

$1,360

$2000

$7,068

$2000

$2,334

$2000

$3,901

$2000

$5,466

Generally, the average cost of home insurance also changes based on your deductible — the higher the deductible, the less you will pay in annual premiums. A higher deductible means the insurance company pays less per claim, and it discourages insureds from filing lower-value claims. These factors add up to premium savings for the homeowner.

However, be sure you can afford to pay the deductible amount at any time in case you have to file a claim. It’s nice to save on premiums with a $2,500 deductible, but not if you aren’t able to pay the first $2,500 if your home is damaged.

Average Cost of Home Insurance by Company

Average home insurance rates can vary by company, too, as insurers weigh factors differently. For instance, MoneyGeek found that the cheapest major home insurance company, State Farm, charges an average of $158 monthly. In contrast, the most expensive, Travelers, charges a monthly average of $476 — a difference of $318 a month. By comparing home insurance quotes before purchasing a policy, you can save hundreds per year.

Use the table below to see how rates can change by provider and coverage.

Provider
Annual Premium

State Farm

$1,026

Nationwide

$1,236

Farmers

$1,242

Allstate

$1,449

State Farm

$1,895

Farmers

$2,135

Allstate

$2,399

Nationwide

$2,432

State Farm

$3,126

Travelers

$3,674

Farmers

$3,951

Allstate

$4,038

State Farm

$4,353

Nationwide

$4,491

Farmers

$5,483

State Farm

$5,507

Allstate

$5,656

Travelers

$5,717

Nationwide

$6,637

Farmers

$6,967

Allstate

$7,373

Travelers

$8,348

Nationwide

$8,780

Travelers

$11,381

Travelers

$14,711

When selecting an insurer, remember it's not just about the price. The best homeowners insurance providers often balance cost and excellent service. While going for the cheapest option might be tempting, shopping around can lead to significant savings without sacrificing quality service.

Average Cost of Home Insurance by Location

Where you live is a significant factor in your home insurance rates. Insurers consider your location because regions prone to natural disasters, higher crime rates or elevated construction costs can pose greater financial risks to the company. For instance, in Florida, the average cost of home insurance is $5,055 per year, while in Delaware, it’s $761 — a whopping difference of $4,294 every year.

Use the map below to find out the average cost of home insurance in your state, or see the table below to see how rates can change by dwelling coverage.

State
Annual Premium

Alabama

$2,192

Alabama

$11,233

Alabama

$3,639

Alabama

$5,875

Alabama

$8,576

Alaska

$701

Alaska

$3,672

Alaska

$1,202

Alaska

$2,105

Alaska

$2,895

Arizona

$1,012

Arizona

$4,749

Arizona

$1,649

Arizona

$2,665

Arizona

$3,687

Arkansas

$2,091

Arkansas

$10,228

Arkansas

$3,411

Arkansas

$5,478

Arkansas

$7,726

California

$380

California

$2,869

California

$747

California

$1,426

California

$2,161

Colorado

$1,865

Colorado

$8,093

Colorado

$3,049

Colorado

$5,268

Colorado

$6,733

Connecticut

$1,118

Connecticut

$5,254

Connecticut

$1,745

Connecticut

$2,844

Connecticut

$4,109

Delaware

$433

Delaware

$3,253

Delaware

$761

Delaware

$1,484

Delaware

$2,366

Florida

$2,274

Florida

$18,442

Florida

$5,055

Florida

$9,574

Florida

$14,101

Georgia

$961

Georgia

$6,300

Georgia

$1,714

Georgia

$3,211

Georgia

$4,751

Hawaii

$171

Hawaii

$1,515

Hawaii

$353

Hawaii

$697

Hawaii

$1,062

Idaho

$674

Idaho

$4,043

Idaho

$1,184

Idaho

$2,104

Idaho

$2,947

Illinois

$1,176

Illinois

$4,972

Illinois

$1,805

Illinois

$2,845

Illinois

$3,836

Indiana

$1,249

Indiana

$5,645

Indiana

$2,056

Indiana

$3,238

Indiana

$4,414

Iowa

$840

Iowa

$4,037

Iowa

$1,425

Iowa

$2,293

Iowa

$3,139

Kansas

$1,676

Kansas

$8,394

Kansas

$2,986

Kansas

$5,016

Kansas

$6,743

Kentucky

$932

Kentucky

$6,495

Kentucky

$1,679

Kentucky

$3,173

Kentucky

$4,821

Louisiana

$1,477

Louisiana

$7,941

Louisiana

$2,576

Louisiana

$4,327

Louisiana

$6,133

Maine

$595

Maine

$3,572

Maine

$1,062

Maine

$1,868

Maine

$2,703

Maryland

$1,017

Maryland

$4,785

Maryland

$1,528

Maryland

$2,554

Maryland

$3,641

Massachusetts

$987

Massachusetts

$4,441

Massachusetts

$1,502

Massachusetts

$2,366

Massachusetts

$3,364

Michigan

$776

Michigan

$4,414

Michigan

$1,341

Michigan

$2,385

Michigan

$3,432

Minnesota

$1,021

Minnesota

$4,591

Minnesota

$1,610

Minnesota

$2,747

Minnesota

$3,633

Mississippi

$3,136

Mississippi

$16,233

Mississippi

$5,221

Mississippi

$8,523

Mississippi

$12,346

Missouri

$1,172

Missouri

$5,919

Missouri

$2,045

Missouri

$3,341

Missouri

$4,646

Montana

$2,207

Montana

$9,183

Montana

$3,762

Montana

$5,705

Montana

$7,379

Nebraska

$2,625

Nebraska

$11,306

Nebraska

$4,530

Nebraska

$6,965

Nebraska

$9,042

Nevada

$472

Nevada

$2,822

Nevada

$831

Nevada

$1,480

Nevada

$2,120

New Hampshire

$416

New Hampshire

$2,704

New Hampshire

$798

New Hampshire

$1,440

New Hampshire

$2,092

New Jersey

$416

New Jersey

$2,560

New Jersey

$847

New Jersey

$1,423

New Jersey

$1,985

New Mexico

$839

New Mexico

$3,568

New Mexico

$1,497

New Mexico

$2,241

New Mexico

$2,918

New York

$550

New York

$3,889

New York

$988

New York

$1,901

New York

$2,840

North Carolina

$1,036

North Carolina

$7,528

North Carolina

$2,148

North Carolina

$3,821

North Carolina

$5,703

North Dakota

$851

North Dakota

$6,044

North Dakota

$1,733

North Dakota

$3,229

North Dakota

$4,642

Ohio

$974

Ohio

$4,614

Ohio

$1,579

Ohio

$2,524

Ohio

$3,551

Oklahoma

$2,793

Oklahoma

$12,491

Oklahoma

$4,552

Oklahoma

$7,449

Oklahoma

$9,942

Oregon

$556

Oregon

$2,672

Oregon

$843

Oregon

$1,418

Oregon

$2,046

Pennsylvania

$830

Pennsylvania

$4,379

Pennsylvania

$1,372

Pennsylvania

$2,244

Pennsylvania

$3,233

Rhode Island

$720

Rhode Island

$4,697

Rhode Island

$1,288

Rhode Island

$2,346

Rhode Island

$3,539

South Carolina

$1,224

South Carolina

$7,207

South Carolina

$2,263

South Carolina

$3,827

South Carolina

$5,533

South Dakota

$1,143

South Dakota

$5,871

South Dakota

$2,020

South Dakota

$3,518

South Dakota

$4,693

Tennessee

$1,549

Tennessee

$6,428

Tennessee

$2,452

Tennessee

$3,694

Tennessee

$5,019

Texas

$1,686

Texas

$8,092

Texas

$2,814

Texas

$4,751

Texas

$6,521

Utah

$420

Utah

$2,257

Utah

$733

Utah

$1,238

Utah

$1,754

Vermont

$596

Vermont

$2,839

Vermont

$998

Vermont

$1,572

Vermont

$2,186

Virginia

$1,022

Virginia

$5,053

Virginia

$1,666

Virginia

$2,717

Virginia

$3,881

Washington

$594

Washington

$2,222

Washington

$838

Washington

$1,275

Washington

$1,762

West Virginia

$808

West Virginia

$4,379

West Virginia

$1,338

West Virginia

$2,281

West Virginia

$3,286

Wisconsin

$536

Wisconsin

$3,076

Wisconsin

$878

Wisconsin

$1,481

Wisconsin

$2,276

Wyoming

$760

Wyoming

$5,555

Wyoming

$1,465

Wyoming

$2,955

Wyoming

$4,241

Top 10 Most Affordable States in the Country

Your location can significantly influence your home insurance rates, with some areas benefiting from lower premiums because of reduced crime, fewer natural disasters and a robust local community. Take, for instance, ZIP code 96819 in Hawaii, where homeowners pay an average of $420 per year — about $2,194 less than the national average.

Explore the 10 most affordable home insurance ZIP codes for policies with $250,000 in dwelling coverage using the table below.

State
Annual Premium

Hawaii

$432

Delaware

$911

Utah

$913

Washington

$983

California

$1,000

Oregon

$1,002

New Hampshire

$1,021

Nevada

$1,055

Wisconsin

$1,096

New Jersey

$1,111

Top 10 Most Expensive States in the Country

Certain areas experience higher home insurance premiums because of regular severe weather occurrences, increasing crime and dense populations. For instance, Florida tops the list, with premiums exceeding the national average by $4,643 annually.

The following table provides a detailed look at the 10 states with the highest insurance costs for $250,000 in dwelling coverage.

State
Annual Premium

Florida

$7,257

Mississippi

$7,023

Oklahoma

$5,439

Nebraska

$5,437

Montana

$5,177

Alabama

$4,767

Arkansas

$4,679

Kansas

$4,234

Colorado

$4,087

Texas

$3,989

Average Cost of Home Insurance by City

Home insurance rates often fluctuate based on the city you reside in. As with state-level risk factors, each city presents its unique set of hazards, from weather patterns to crime rates. For instance, a city prone to hurricanes might have higher premiums than one with milder weather, even if they’re in the same state. Similarly, cities with bustling urban centers might have elevated rates due to increased risks of theft or vandalism.

Explore the table below to see how rates can change in your city and state.

City
Annual Premium

Birmingham

$2,463

Birmingham

$11,450

Birmingham

$3,975

Birmingham

$6,123

Birmingham

$8,781

Huntsville

$2,342

Huntsville

$10,348

Huntsville

$3,817

Huntsville

$5,728

Huntsville

$8,037

Mobile

$4,228

Mobile

$22,730

Mobile

$7,108

Mobile

$11,827

Mobile

$17,459

Montgomery

$2,254

Montgomery

$10,493

Montgomery

$3,655

Montgomery

$5,645

Montgomery

$8,068

Anchorage

$740

Anchorage

$3,931

Anchorage

$1,264

Anchorage

$2,248

Anchorage

$3,096

Chandler

$1,298

Chandler

$6,055

Chandler

$2,154

Chandler

$3,475

Chandler

$4,744

Gilbert

$1,330

Gilbert

$6,251

Gilbert

$2,208

Gilbert

$3,574

Gilbert

$4,884

Glendale

$1,320

Glendale

$6,272

Glendale

$2,189

Glendale

$3,569

Glendale

$4,892

Mesa

$1,374

Mesa

$6,600

Mesa

$2,288

Mesa

$3,735

Mesa

$5,145

Peoria

$1,281

Peoria

$6,037

Peoria

$2,123

Peoria

$3,448

Peoria

$4,732

Phoenix

$1,447

Phoenix

$6,925

Phoenix

$2,403

Phoenix

$3,911

Phoenix

$5,392

Scottsdale

$1,395

Scottsdale

$6,623

Scottsdale

$2,328

Scottsdale

$3,763

Scottsdale

$5,151

Surprise

$1,212

Surprise

$5,718

Surprise

$1,999

Surprise

$3,248

Surprise

$4,470

Tempe

$1,456

Tempe

$6,962

Tempe

$2,419

Tempe

$3,944

Tempe

$5,425

Tucson

$1,323

Tucson

$6,065

Tucson

$2,150

Tucson

$3,462

Tucson

$4,761

Little Rock

$2,596

Little Rock

$12,645

Little Rock

$4,195

Little Rock

$6,716

Little Rock

$9,519

Anaheim

$491

Anaheim

$3,567

Anaheim

$992

Anaheim

$1,845

Anaheim

$2,728

Antioch

$460

Antioch

$3,566

Antioch

$877

Antioch

$1,728

Antioch

$2,664

Apple Valley

$602

Apple Valley

$4,906

Apple Valley

$1,245

Apple Valley

$2,451

Apple Valley

$3,703

Arden-Arcade

$506

Arden-Arcade

$4,309

Arden-Arcade

$1,047

Arden-Arcade

$2,100

Arden-Arcade

$3,224

Bakersfield

$505

Bakersfield

$3,939

Bakersfield

$1,010

Bakersfield

$1,974

Bakersfield

$2,980

Berkeley

$488

Berkeley

$3,812

Berkeley

$940

Berkeley

$1,858

Berkeley

$2,858

Burbank

$531

Burbank

$4,065

Burbank

$1,038

Burbank

$2,020

Burbank

$3,070

Carlsbad

$495

Carlsbad

$3,897

Carlsbad

$997

Carlsbad

$1,945

Carlsbad

$2,953

Chula Vista

$496

Chula Vista

$3,834

Chula Vista

$990

Chula Vista

$1,919

Chula Vista

$2,907

Clovis

$477

Clovis

$3,736

Clovis

$945

Clovis

$1,859

Clovis

$2,819

Concord

$442

Concord

$3,451

Concord

$849

Concord

$1,675

Concord

$2,582

Corona

$573

Corona

$4,643

Corona

$1,158

Corona

$2,282

Corona

$3,488

Costa Mesa

$550

Costa Mesa

$4,339

Costa Mesa

$1,119

Costa Mesa

$2,162

Costa Mesa

$3,278

Daly City

$404

Daly City

$3,006

Daly City

$773

Daly City

$1,487

Daly City

$2,263

Downey

$492

Downey

$4,166

Downey

$988

Downey

$2,008

Downey

$3,107

East Los Angeles

$538

East Los Angeles

$4,559

East Los Angeles

$1,098

East Los Angeles

$2,220

East Los Angeles

$3,410

El Cajon

$485

El Cajon

$3,794

El Cajon

$968

El Cajon

$1,890

El Cajon

$2,868

Elk Grove

$487

Elk Grove

$4,178

Elk Grove

$1,006

Elk Grove

$2,028

Elk Grove

$3,122

El Monte

$478

El Monte

$3,816

El Monte

$941

El Monte

$1,856

El Monte

$2,857

Escondido

$534

Escondido

$4,392

Escondido

$1,081

Escondido

$2,146

Escondido

$3,293

Fairfield

$482

Fairfield

$3,849

Fairfield

$939

Fairfield

$1,875

Fairfield

$2,880

Fontana

$592

Fontana

$4,218

Fontana

$1,184

Fontana

$2,227

Fontana

$3,248

Fremont

$434

Fremont

$3,284

Fremont

$836

Fremont

$1,621

Fremont

$2,468

Fresno

$499

Fresno

$3,981

Fresno

$1,004

Fresno

$1,979

Fresno

$3,002

Fullerton

$501

Fullerton

$3,629

Fullerton

$1,011

Fullerton

$1,876

Fullerton

$2,775

Garden Grove

$486

Garden Grove

$3,548

Garden Grove

$988

Garden Grove

$1,839

Garden Grove

$2,718

Glendale

$548

Glendale

$4,149

Glendale

$1,064

Glendale

$2,064

Glendale

$3,135

Hayward

$437

Hayward

$3,300

Hayward

$840

Hayward

$1,628

Hayward

$2,480

Huntington Beach

$544

Huntington Beach

$4,027

Huntington Beach

$1,115

Huntington Beach

$2,081

Huntington Beach

$3,085

Inglewood

$557

Inglewood

$4,691

Inglewood

$1,141

Inglewood

$2,298

Inglewood

$3,513

Irvine

$545

Irvine

$4,336

Irvine

$1,114

Irvine

$2,155

Irvine

$3,271

Jurupa Valley

$592

Jurupa Valley

$4,311

Jurupa Valley

$1,193

Jurupa Valley

$2,259

Jurupa Valley

$3,310

Lancaster

$610

Lancaster

$5,178

Lancaster

$1,239

Lancaster

$2,518

Lancaster

$3,880

Long Beach

$463

Long Beach

$3,869

Long Beach

$937

Long Beach

$1,885

Long Beach

$2,899

Los Angeles

$617

Los Angeles

$5,017

Los Angeles

$1,238

Los Angeles

$2,467

Los Angeles

$3,768

Modesto

$472

Modesto

$3,595

Modesto

$907

Modesto

$1,776

Modesto

$2,702

Moreno Valley

$622

Moreno Valley

$4,475

Moreno Valley

$1,263

Moreno Valley

$2,374

Moreno Valley

$3,455

Murrieta

$556

Murrieta

$4,461

Murrieta

$1,120

Murrieta

$2,202

Murrieta

$3,358

Norwalk

$466

Norwalk

$3,693

Norwalk

$937

Norwalk

$1,826

Norwalk

$2,782

Oakland

$532

Oakland

$4,350

Oakland

$1,037

Oakland

$2,101

Oakland

$3,248

Oceanside

$514

Oceanside

$4,174

Oceanside

$1,043

Oceanside

$2,057

Oceanside

$3,144

Ontario

$542

Ontario

$4,011

Ontario

$1,082

Ontario

$2,059

Ontario

$3,057

Orange

$518

Orange

$3,784

Orange

$1,053

Orange

$1,955

Orange

$2,893

Oxnard

$440

Oxnard

$3,500

Oxnard

$888

Oxnard

$1,728

Oxnard

$2,634

Palmdale

$626

Palmdale

$5,299

Palmdale

$1,272

Palmdale

$2,580

Palmdale

$3,973

Pasadena

$475

Pasadena

$3,626

Pasadena

$920

Pasadena

$1,785

Pasadena

$2,729

Pomona

$566

Pomona

$4,723

Pomona

$1,141

Pomona

$2,297

Pomona

$3,535

Rancho Cucamonga

$582

Rancho Cucamonga

$4,133

Rancho Cucamonga

$1,171

Rancho Cucamonga

$2,197

Rancho Cucamonga

$3,193

Rialto

$592

Rialto

$4,226

Rialto

$1,179

Rialto

$2,224

Rialto

$3,250

Richmond

$439

Richmond

$3,385

Richmond

$848

Richmond

$1,670

Richmond

$2,550

Riverside

$582

Riverside

$4,266

Riverside

$1,184

Riverside

$2,240

Riverside

$3,276

Roseville

$488

Roseville

$4,120

Roseville

$988

Roseville

$1,992

Roseville

$3,075

Sacramento

$485

Sacramento

$4,150

Sacramento

$1,001

Sacramento

$2,015

Sacramento

$3,100

Salinas

$433

Salinas

$3,223

Salinas

$831

Salinas

$1,597

Salinas

$2,428

San Bernardino

$576

San Bernardino

$4,087

San Bernardino

$1,149

San Bernardino

$2,161

San Bernardino

$3,150

San Diego

$490

San Diego

$3,886

San Diego

$992

San Diego

$1,937

San Diego

$2,939

San Francisco

$456

San Francisco

$3,541

San Francisco

$872

San Francisco

$1,703

San Francisco

$2,641

San Jose

$426

San Jose

$3,179

San Jose

$821

San Jose

$1,578

San Jose

$2,397

San Mateo

$396

San Mateo

$3,061

San Mateo

$759

San Mateo

$1,482

San Mateo

$2,287

Santa Ana

$502

Santa Ana

$3,679

Santa Ana

$1,017

Santa Ana

$1,897

Santa Ana

$2,810

Santa Clara

$383

Santa Clara

$2,867

Santa Clara

$738

Santa Clara

$1,418

Santa Clara

$2,157

Santa Clarita

$546

Santa Clarita

$4,384

Santa Clarita

$1,086

Santa Clarita

$2,145

Santa Clarita

$3,297

Santa Maria

$413

Santa Maria

$3,234

Santa Maria

$816

Santa Maria

$1,587

Santa Maria

$2,430

Santa Rosa

$389

Santa Rosa

$2,857

Santa Rosa

$743

Santa Rosa

$1,413

Santa Rosa

$2,150

Simi Valley

$486

Simi Valley

$4,020

Simi Valley

$980

Simi Valley

$1,968

Simi Valley

$3,021

Stockton

$519

Stockton

$4,055

Stockton

$1,026

Stockton

$2,010

Stockton

$3,049

Sunnyvale

$388

Sunnyvale

$2,908

Sunnyvale

$751

Sunnyvale

$1,441

Sunnyvale

$2,189

Temecula

$588

Temecula

$4,643

Temecula

$1,176

Temecula

$2,302

Temecula

$3,503

Thousand Oaks

$491

Thousand Oaks

$3,723

Thousand Oaks

$972

Thousand Oaks

$1,866

Thousand Oaks

$2,824

Torrance

$465

Torrance

$3,590

Torrance

$911

Torrance

$1,775

Torrance

$2,703

Vallejo

$466

Vallejo

$3,706

Vallejo

$905

Vallejo

$1,805

Vallejo

$2,772

Ventura

$426

Ventura

$3,330

Ventura

$848

Ventura

$1,646

Ventura

$2,507

Victorville

$602

Victorville

$4,905

Victorville

$1,248

Victorville

$2,455

Victorville

$3,707

Visalia

$452

Visalia

$3,574

Visalia

$902

Visalia

$1,769

Visalia

$2,691

Vista

$498

Vista

$3,945

Vista

$998

Vista

$1,953

Vista

$2,976

West Covina

$532

West Covina

$4,338

West Covina

$1,055

West Covina

$2,110

West Covina

$3,249

Arvada

$2,493

Arvada

$11,574

Arvada

$4,223

Arvada

$7,330

Arvada

$9,516

Aurora

$2,703

Aurora

$12,342

Aurora

$4,591

Aurora

$7,930

Aurora

$10,206

Boulder

$1,983

Boulder

$9,046

Boulder

$3,310

Boulder

$5,716

Boulder

$7,434

Centennial

$2,668

Centennial

$12,246

Centennial

$4,532

Centennial

$7,844

Centennial

$10,115

Colorado Springs

$2,633

Colorado Springs

$11,987

Colorado Springs

$4,434

Colorado Springs

$7,718

Colorado Springs

$9,934

Denver

$2,674

Denver

$12,420

Denver

$4,573

Denver

$7,914

Denver

$10,244

Fort Collins

$1,875

Fort Collins

$8,602

Fort Collins

$3,150

Fort Collins

$5,440

Fort Collins

$7,074

Greeley

$2,569

Greeley

$11,713

Greeley

$4,340

Greeley

$7,483

Greeley

$9,674

Highlands Ranch

$2,533

Highlands Ranch

$11,306

Highlands Ranch

$4,324

Highlands Ranch

$7,359

Highlands Ranch

$9,382

Lakewood

$2,450

Lakewood

$11,547

Lakewood

$4,178

Lakewood

$7,252

Lakewood

$9,456

Loveland

$1,915

Loveland

$8,691

Loveland

$3,195

Loveland

$5,535

Loveland

$7,174

Pueblo

$2,710

Pueblo

$12,732

Pueblo

$4,652

Pueblo

$8,074

Pueblo

$10,458

Thornton

$2,538

Thornton

$11,686

Thornton

$4,222

Thornton

$7,412

Thornton

$9,628

Westminster

$2,447

Westminster

$11,087

Westminster

$4,108

Westminster

$7,108

Westminster

$9,161

Bridgeport

$1,743

Bridgeport

$8,276

Bridgeport

$2,700

Bridgeport

$4,479

Bridgeport

$6,502

Hartford

$1,290

Hartford

$6,100

Hartford

$2,041

Hartford

$3,318

Hartford

$4,734

New Haven

$1,637

New Haven

$7,888

New Haven

$2,607

New Haven

$4,293

New Haven

$6,152

Stamford

$1,486

Stamford

$6,782

Stamford

$2,285

Stamford

$3,732

Stamford

$5,374

Waterbury

$1,271

Waterbury

$5,900

Waterbury

$1,995

Waterbury

$3,210

Waterbury

$4,581

Wilmington

$536

Wilmington

$4,052

Wilmington

$947

Wilmington

$1,846

Wilmington

$2,947

Washington

$656

Washington

$3,622

Washington

$1,174

Washington

$1,938

Washington

$2,758

Boca Raton

$5,242

Boca Raton

$54,409

Boca Raton

$13,751

Boca Raton

$27,618

Boca Raton

$41,279

Brandon

$2,510

Brandon

$11,896

Brandon

$4,183

Brandon

$6,823

Brandon

$9,438

Cape Coral

$3,178

Cape Coral

$23,454

Cape Coral

$6,659

Cape Coral

$12,342

Cape Coral

$18,055

Clearwater

$2,954

Clearwater

$21,823

Clearwater

$6,212

Clearwater

$11,513

Clearwater

$16,820

Coral Springs

$3,125

Coral Springs

$32,359

Coral Springs

$8,075

Coral Springs

$16,204

Coral Springs

$24,377

Davie

$3,220

Davie

$32,826

Davie

$8,245

Davie

$16,471

Davie

$24,745

Fort Lauderdale

$4,130

Fort Lauderdale

$48,238

Fort Lauderdale

$11,605

Fort Lauderdale

$23,904

Fort Lauderdale

$36,213

Fort Myers

$3,093

Fort Myers

$22,911

Fort Myers

$6,485

Fort Myers

$12,030

Fort Myers

$17,619

Gainesville

$1,525

Gainesville

$7,783

Gainesville

$2,644

Gainesville

$4,430

Gainesville

$6,183

Hialeah

$5,082

Hialeah

$51,554

Hialeah

$13,053

Hialeah

$25,997

Hialeah

$38,954

Hollywood

$3,351

Hollywood

$35,517

Hollywood

$8,813

Hollywood

$17,744

Hollywood

$26,736

Jacksonville

$1,610

Jacksonville

$8,123

Jacksonville

$2,806

Jacksonville

$4,698

Jacksonville

$6,502

Lakeland

$2,234

Lakeland

$11,042

Lakeland

$3,820

Lakeland

$6,294

Lakeland

$8,742

Lehigh Acres

$3,183

Lehigh Acres

$23,409

Lehigh Acres

$6,658

Lehigh Acres

$12,324

Lehigh Acres

$18,024

Miami

$5,559

Miami

$53,369

Miami

$13,877

Miami

$27,347

Miami

$40,619

Miami Gardens

$5,134

Miami Gardens

$52,017

Miami Gardens

$13,182

Miami Gardens

$26,261

Miami Gardens

$39,324

Miramar

$2,790

Miramar

$32,156

Miramar

$7,719

Miramar

$15,863

Miramar

$24,073

Ocala

$1,845

Ocala

$9,035

Ocala

$3,136

Ocala

$5,190

Ocala

$7,195

Orlando

$2,209

Orlando

$10,908

Orlando

$3,778

Orlando

$6,269

Orlando

$8,685

Palm Bay

$2,364

Palm Bay

$16,404

Palm Bay

$4,792

Palm Bay

$8,754

Palm Bay

$12,713

Pembroke Pines

$3,030

Pembroke Pines

$32,623

Pembroke Pines

$8,028

Pembroke Pines

$16,243

Pembroke Pines

$24,516

Pensacola

$3,701

Pensacola

$28,360

Pensacola

$7,931

Pensacola

$14,873

Pensacola

$21,802

Pompano Beach

$3,902

Pompano Beach

$38,212

Pompano Beach

$9,766

Pompano Beach

$19,344

Pompano Beach

$28,920

Port St. Lucie

$4,677

Port St. Lucie

$37,718

Port St. Lucie

$10,313

Port St. Lucie

$19,550

Port St. Lucie

$28,808

Spring Hill

$1,793

Spring Hill

$8,442

Spring Hill

$2,998

Spring Hill

$4,864

Spring Hill

$6,727

St. Petersburg

$3,098

St. Petersburg

$22,769

St. Petersburg

$6,498

St. Petersburg

$12,042

St. Petersburg

$17,568

Tallahassee

$1,483

Tallahassee

$7,637

Tallahassee

$2,579

Tallahassee

$4,331

Tallahassee

$6,060

Tampa

$2,618

Tampa

$12,999

Tampa

$4,482

Tampa

$7,422

Tampa

$10,305

West Palm Beach

$5,298

West Palm Beach

$55,280

West Palm Beach

$13,927

West Palm Beach

$27,991

West Palm Beach

$41,876

Athens-Clarke

$988

Athens-Clarke

$6,525

Athens-Clarke

$1,776

Athens-Clarke

$3,318

Athens-Clarke

$4,925

Atlanta

$1,237

Atlanta

$7,970

Atlanta

$2,187

Atlanta

$4,079

Atlanta

$6,021

Augusta-Richmond

$1,152

Augusta-Richmond

$7,429

Augusta-Richmond

$2,003

Augusta-Richmond

$3,765

Augusta-Richmond

$5,589

Columbus

$1,255

Columbus

$8,199

Columbus

$2,199

Columbus

$4,141

Columbus

$6,156

Macon-Bibb

$1,164

Macon-Bibb

$7,602

Macon-Bibb

$2,084

Macon-Bibb

$3,890

Macon-Bibb

$5,767

Sandy Springs

$1,054

Sandy Springs

$6,816

Sandy Springs

$1,880

Sandy Springs

$3,487

Sandy Springs

$5,145

Savannah

$1,715

Savannah

$11,975

Savannah

$3,158

Savannah

$6,058

Savannah

$9,036

Valdosta

$1,133

Valdosta

$7,611

Valdosta

$2,010

Valdosta

$3,827

Valdosta

$5,728

Urban Honolulu

$202

Urban Honolulu

$1,808

Urban Honolulu

$420

Urban Honolulu

$836

Urban Honolulu

$1,273

Boise City

$732

Boise City

$4,349

Boise City

$1,306

Boise City

$2,284

Boise City

$3,180

Meridian

$754

Meridian

$4,498

Meridian

$1,344

Meridian

$2,358

Meridian

$3,287

Aurora

$1,406

Aurora

$5,835

Aurora

$2,175

Aurora

$3,394

Aurora

$4,532

Chicago

$1,605

Chicago

$7,005

Chicago

$2,472

Chicago

$3,913

Chicago

$5,336

Elgin

$1,431

Elgin

$5,967

Elgin

$2,222

Elgin

$3,460

Elgin

$4,628

Joliet

$1,558

Joliet

$6,624

Joliet

$2,394

Joliet

$3,768

Joliet

$5,097

Naperville

$1,409

Naperville

$5,807

Naperville

$2,180

Naperville

$3,390

Naperville

$4,515

Peoria

$1,590

Peoria

$6,461

Peoria

$2,433

Peoria

$3,778

Peoria

$5,031

Rockford

$1,454

Rockford

$6,011

Rockford

$2,248

Rockford

$3,490

Rockford

$4,660

Springfield

$1,597

Springfield

$6,521

Springfield

$2,440

Springfield

$3,774

Springfield

$5,054

Evansville

$1,732

Evansville

$7,602

Evansville

$2,863

Evansville

$4,475

Evansville

$6,009

Fort Wayne

$1,540

Fort Wayne

$6,973

Fort Wayne

$2,537

Fort Wayne

$3,985

Fort Wayne

$5,443

Indianapolis

$1,856

Indianapolis

$8,314

Indianapolis

$3,100

Indianapolis

$4,857

Indianapolis

$6,550

South Bend

$1,587

South Bend

$7,323

South Bend

$2,640

South Bend

$4,190

South Bend

$5,727

Cedar Rapids

$1,046

Cedar Rapids

$5,219

Cedar Rapids

$1,819

Cedar Rapids

$2,954

Cedar Rapids

$4,052

Davenport

$989

Davenport

$4,854

Davenport

$1,704

Davenport

$2,761

Davenport

$3,776

Des Moines

$1,182

Des Moines

$5,949

Des Moines

$2,025

Des Moines

$3,308

Des Moines

$4,594

Kansas City

$2,188

Kansas City

$11,644

Kansas City

$3,955

Kansas City

$6,730

Kansas City

$9,256

Olathe

$1,986

Olathe

$10,769

Olathe

$3,594

Olathe

$6,196

Olathe

$8,536

Overland Park

$2,100

Overland Park

$11,243

Overland Park

$3,789

Overland Park

$6,477

Overland Park

$8,914

Topeka

$2,244

Topeka

$12,261

Topeka

$4,140

Topeka

$7,125

Topeka

$9,751

Wichita

$2,598

Wichita

$13,678

Wichita

$4,902

Wichita

$8,259

Wichita

$11,041

Bowling Green

$1,291

Bowling Green

$9,156

Bowling Green

$2,320

Bowling Green

$4,434

Bowling Green

$6,775

Lexington-Fayette

$978

Lexington-Fayette

$6,909

Lexington-Fayette

$1,760

Lexington-Fayette

$3,353

Lexington-Fayette

$5,116

Louisville/Jefferson

$1,034

Louisville/Jefferson

$7,136

Louisville/Jefferson

$1,862

Louisville/Jefferson

$3,504

Louisville/Jefferson

$5,308

Baton Rouge

$1,755

Baton Rouge

$9,360

Baton Rouge

$3,083

Baton Rouge

$5,138

Baton Rouge

$7,250

Lafayette

$1,567

Lafayette

$8,616

Lafayette

$2,705

Lafayette

$4,627

Lafayette

$6,618

Metairie

$2,322

Metairie

$15,160

Metairie

$4,528

Metairie

$8,032

Metairie

$11,594

New Orleans

$1,928

New Orleans

$11,391

New Orleans

$3,528

New Orleans

$6,107

New Orleans

$8,746

Shreveport

$1,742

Shreveport

$8,290

Shreveport

$2,842

Shreveport

$4,612

Shreveport

$6,447

Portland

$801

Portland

$4,760

Portland

$1,439

Portland

$2,532

Portland

$3,617

Baltimore

$1,664

Baltimore

$7,935

Baltimore

$2,502

Baltimore

$4,203

Baltimore

$6,018

Columbia

$1,264

Columbia

$5,841

Columbia

$1,883

Columbia

$3,138

Columbia

$4,447

Boston

$1,381

Boston

$6,732

Boston

$2,181

Boston

$3,500

Boston

$5,051

Cambridge

$1,126

Cambridge

$5,692

Cambridge

$1,816

Cambridge

$2,952

Cambridge

$4,267

Lowell

$1,117

Lowell

$5,648

Lowell

$1,803

Lowell

$2,931

Lowell

$4,239

Springfield

$1,165

Springfield

$4,906

Springfield

$1,785

Springfield

$2,726

Springfield

$3,781

Worcester

$1,120

Worcester

$4,685

Worcester

$1,710

Worcester

$2,602

Worcester

$3,598

Ann Arbor

$632

Ann Arbor

$3,322

Ann Arbor

$1,077

Ann Arbor

$1,838

Ann Arbor

$2,594

Detroit

$1,898

Detroit

$11,552

Detroit

$3,308

Detroit

$6,128

Detroit

$8,947

Grand Rapids

$657

Grand Rapids

$3,572

Grand Rapids

$1,131

Grand Rapids

$1,966

Grand Rapids

$2,806

Lansing

$684

Lansing

$3,577

Lansing

$1,164

Lansing

$1,980

Lansing

$2,794

Sterling Heights

$804

Sterling Heights

$4,492

Sterling Heights

$1,401

Sterling Heights

$2,447

Sterling Heights

$3,498

Warren

$1,452

Warren

$8,684

Warren

$2,520

Warren

$4,623

Warren

$6,829

Minneapolis

$1,258

Minneapolis

$5,647

Minneapolis

$1,986

Minneapolis

$3,394

Minneapolis

$4,484

Rochester

$1,102

Rochester

$5,077

Rochester

$1,764

Rochester

$3,003

Rochester

$4,000

St. Paul

$1,276

St. Paul

$5,681

St. Paul

$2,005

St. Paul

$3,418

St. Paul

$4,506

Jackson

$2,877

Jackson

$12,414

Jackson

$4,412

Jackson

$6,652

Jackson

$9,485

Columbia

$1,590

Columbia

$8,453

Columbia

$2,889

Columbia

$4,783

Columbia

$6,642

Independence

$1,783

Independence

$9,637

Independence

$3,284

Independence

$5,462

Independence

$7,577

Kansas City

$1,755

Kansas City

$9,666

Kansas City

$3,186

Kansas City

$5,384

Kansas City

$7,554

Springfield

$1,622

Springfield

$8,774

Springfield

$2,949

Springfield

$4,922

Springfield

$6,876

St. Louis

$1,493

St. Louis

$7,839

St. Louis

$2,645

St. Louis

$4,393

St. Louis

$6,142

Billings

$3,587

Billings

$14,682

Billings

$6,188

Billings

$9,418

Billings

$11,938

Lincoln

$2,803

Lincoln

$12,596

Lincoln

$4,916

Lincoln

$7,690

Lincoln

$10,066

Omaha

$2,826

Omaha

$12,941

Omaha

$4,980

Omaha

$7,808

Omaha

$10,290

Enterprise

$577

Enterprise

$3,517

Enterprise

$1,025

Enterprise

$1,841

Enterprise

$2,650

Henderson

$562

Henderson

$3,462

Henderson

$1,002

Henderson

$1,807

Henderson

$2,596

Las Vegas

$599

Las Vegas

$3,667

Las Vegas

$1,064

Las Vegas

$1,918

Las Vegas

$2,759

North Las Vegas

$612

North Las Vegas

$3,760

North Las Vegas

$1,086

North Las Vegas

$1,963

North Las Vegas

$2,816

Pahrump

$588

Pahrump

$3,676

Pahrump

$1,055

Pahrump

$1,913

Pahrump

$2,746

Paradise

$635

Paradise

$3,859

Paradise

$1,137

Paradise

$2,029

Paradise

$2,918

Reno

$566

Reno

$3,447

Reno

$1,002

Reno

$1,803

Reno

$2,593

Sparks

$563

Sparks

$3,404

Sparks

$993

Sparks

$1,782

Sparks

$2,561

Spring Valley

$631

Spring Valley

$3,841

Spring Valley

$1,121

Spring Valley

$2,014

Spring Valley

$2,899

Sunrise Manor

$632

Sunrise Manor

$3,907

Sunrise Manor

$1,135

Sunrise Manor

$2,044

Sunrise Manor

$2,945

Manchester

$531

Manchester

$3,718

Manchester

$1,060

Manchester

$1,953

Manchester

$2,867

Elizabeth

$510

Elizabeth

$3,172

Elizabeth

$1,075

Elizabeth

$1,796

Elizabeth

$2,464

Jersey City

$660

Jersey City

$4,016

Jersey City

$1,367

Jersey City

$2,279

Jersey City

$3,127

Newark

$689

Newark

$4,146

Newark

$1,414

Newark

$2,355

Newark

$3,233

Paterson

$533

Paterson

$3,323

Paterson

$1,124

Paterson

$1,880

Paterson

$2,579

Albuquerque

$776

Albuquerque

$3,150

Albuquerque

$1,349

Albuquerque

$1,992

Albuquerque

$2,582

Las Cruces

$736

Las Cruces

$2,940

Las Cruces

$1,268

Las Cruces

$1,863

Las Cruces

$2,408

Albany

$595

Albany

$4,337

Albany

$1,075

Albany

$2,082

Albany

$3,142

Buffalo

$626

Buffalo

$4,471

Buffalo

$1,103

Buffalo

$2,132

Buffalo

$3,203

New York

$909

New York

$7,069

New York

$1,756

New York

$3,491

New York

$5,192

Rochester

$542

Rochester

$3,928

Rochester

$971

Rochester

$1,877

Rochester

$2,836

Syracuse

$616

Syracuse

$4,309

Syracuse

$1,070

Syracuse

$2,068

Syracuse

$3,097

Yonkers

$742

Yonkers

$5,335

Yonkers

$1,367

Yonkers

$2,630

Yonkers

$3,881

Cary

$879

Cary

$6,966

Cary

$1,988

Cary

$3,516

Cary

$5,290

Charlotte

$871

Charlotte

$6,834

Charlotte

$1,944

Charlotte

$3,459

Charlotte

$5,203

Durham

$856

Durham

$6,757

Durham

$1,928

Durham

$3,413

Durham

$5,135

Fayetteville

$1,159

Fayetteville

$9,202

Fayetteville

$2,640

Fayetteville

$4,646

Fayetteville

$6,983

Greensboro

$739

Greensboro

$5,862

Greensboro

$1,669

Greensboro

$2,955

Greensboro

$4,450

High Point

$742

High Point

$5,876

High Point

$1,674

High Point

$2,963

High Point

$4,461

Raleigh

$882

Raleigh

$7,007

Raleigh

$1,998

Raleigh

$3,533

Raleigh

$5,319

Wilmington

$9,403

Wilmington

$68,262

Wilmington

$18,833

Wilmington

$33,934

Wilmington

$51,011

Winston-Salem

$794

Winston-Salem

$6,284

Winston-Salem

$1,792

Winston-Salem

$3,170

Winston-Salem

$4,771

Fargo

$940

Fargo

$6,451

Fargo

$1,872

Fargo

$3,472

Fargo

$4,970

Akron

$1,209

Akron

$5,747

Akron

$1,998

Akron

$3,186

Akron

$4,443

Cincinnati

$1,254

Cincinnati

$5,875

Cincinnati

$2,064

Cincinnati

$3,276

Cincinnati

$4,567

Cleveland

$1,196

Cleveland

$5,784

Cleveland

$1,969

Cleveland

$3,170

Cleveland

$4,453

Columbus

$1,273

Columbus

$5,867

Columbus

$2,074

Columbus

$3,283

Columbus

$4,563

Dayton

$1,444

Dayton

$6,994

Dayton

$2,361

Dayton

$3,812

Dayton

$5,383

Toledo

$1,498

Toledo

$7,608

Toledo

$2,462

Toledo

$4,030

Toledo

$5,779

Broken Arrow

$2,592

Broken Arrow

$11,939

Broken Arrow

$4,242

Broken Arrow

$6,966

Broken Arrow

$9,412

Norman

$3,665

Norman

$16,720

Norman

$6,005

Norman

$9,865

Norman

$13,291

Oklahoma City

$4,077

Oklahoma City

$18,512

Oklahoma City

$6,655

Oklahoma City

$10,792

Oklahoma City

$14,656

Tulsa

$2,594

Tulsa

$12,547

Tulsa

$4,234

Tulsa

$7,120

Tulsa

$9,793

Eugene

$551

Eugene

$2,777

Eugene

$870

Eugene

$1,477

Eugene

$2,131

Gresham

$630

Gresham

$3,125

Gresham

$988

Gresham

$1,660

Gresham

$2,397

Hillsboro

$578

Hillsboro

$2,857

Hillsboro

$898

Hillsboro

$1,518

Hillsboro

$2,190

Portland

$617

Portland

$3,056

Portland

$956

Portland

$1,622

Portland

$2,348

Salem

$595

Salem

$2,981

Salem

$936

Salem

$1,586

Salem

$2,283

Allentown

$1,018

Allentown

$5,128

Allentown

$1,663

Allentown

$2,682

Allentown

$3,822

Lancaster

$898

Lancaster

$4,450

Lancaster

$1,465

Lancaster

$2,347

Lancaster

$3,320

Philadelphia

$1,734

Philadelphia

$9,042

Philadelphia

$2,886

Philadelphia

$4,689

Philadelphia

$6,713

Pittsburgh

$916

Pittsburgh

$4,703

Pittsburgh

$1,519

Pittsburgh

$2,464

Pittsburgh

$3,505

Providence

$1,007

Providence

$6,733

Providence

$1,815

Providence

$3,339

Providence

$5,072

Charleston

$1,803

Charleston

$11,203

Charleston

$3,454

Charleston

$5,932

Charleston

$8,593

Columbia

$1,317

Columbia

$6,488

Columbia

$2,284

Columbia

$3,589

Columbia

$5,050

Myrtle Beach

$2,715

Myrtle Beach

$20,000

Myrtle Beach

$5,707

Myrtle Beach

$10,415

Myrtle Beach

$15,262

North Charleston

$1,817

North Charleston

$11,159

North Charleston

$3,463

North Charleston

$5,920

North Charleston

$8,562

Sumter

$1,460

Sumter

$7,683

Sumter

$2,576

Sumter

$4,164

Sumter

$5,944

Sioux Falls

$1,594

Sioux Falls

$8,590

Sioux Falls

$2,884

Sioux Falls

$5,076

Sioux Falls

$6,839

Chattanooga

$2,258

Chattanooga

$9,360

Chattanooga

$3,535

Chattanooga

$5,334

Chattanooga

$7,276

Clarksville

$2,137

Clarksville

$8,697

Clarksville

$3,385

Clarksville

$5,056

Clarksville

$6,814

Hendersonville

$2,003

Hendersonville

$7,990

Hendersonville

$3,178

Hendersonville

$4,729

Hendersonville

$6,306

Knoxville

$1,768

Knoxville

$7,103

Knoxville

$2,826

Knoxville

$4,202

Knoxville

$5,600

Memphis

$2,393

Memphis

$9,756

Memphis

$3,778

Memphis

$5,668

Memphis

$7,639

Murfreesboro

$2,380

Murfreesboro

$9,449

Murfreesboro

$3,755

Murfreesboro

$5,570

Murfreesboro

$7,451

Nashville-Davidson

$2,061

Nashville-Davidson

$8,370

Nashville-Davidson

$3,265

Nashville-Davidson

$4,879

Nashville-Davidson

$6,567

Abilene

$2,739

Abilene

$11,223

Abilene

$4,396

Abilene

$7,127

Abilene

$9,246

Allen

$2,501

Allen

$10,991

Allen

$4,088

Allen

$6,745

Allen

$8,968

Amarillo

$2,896

Amarillo

$11,998

Amarillo

$4,680

Amarillo

$7,636

Amarillo

$9,892

Arlington

$2,710

Arlington

$11,829

Arlington

$4,427

Arlington

$7,304

Arlington

$9,676

Austin

$1,408

Austin

$6,430

Austin

$2,301

Austin

$3,823

Austin

$5,206

Beaumont

$2,642

Beaumont

$17,673

Beaumont

$4,960

Beaumont

$9,095

Beaumont

$13,732

Brownsville

$2,226

Brownsville

$14,820

Brownsville

$4,244

Brownsville

$7,719

Brownsville

$11,493

Carrollton

$2,831

Carrollton

$12,409

Carrollton

$4,631

Carrollton

$7,654

Carrollton

$10,145

College Station

$1,571

College Station

$7,514

College Station

$2,614

College Station

$4,413

College Station

$6,055

Corpus Christi

$3,141

Corpus Christi

$23,404

Corpus Christi

$6,181

Corpus Christi

$11,754

Corpus Christi

$18,154

Dallas

$2,602

Dallas

$11,307

Dallas

$4,243

Dallas

$6,993

Dallas

$9,254

Denton

$2,972

Denton

$13,001

Denton

$4,864

Denton

$8,007

Denton

$10,632

El Paso

$1,011

El Paso

$4,441

El Paso

$1,618

El Paso

$2,671

El Paso

$3,589

Fort Worth

$2,661

Fort Worth

$11,491

Fort Worth

$4,333

Fort Worth

$7,130

Fort Worth

$9,417

Frisco

$2,544

Frisco

$11,260

Frisco

$4,170

Frisco

$6,892

Frisco

$9,189

Garland

$2,581

Garland

$11,140

Garland

$4,201

Garland

$6,908

Garland

$9,115

Grand Prairie

$2,699

Grand Prairie

$11,765

Grand Prairie

$4,406

Grand Prairie

$7,264

Grand Prairie

$9,631

Houston

$2,516

Houston

$17,199

Houston

$4,753

Houston

$8,748

Houston

$13,312

Irving

$2,585

Irving

$11,082

Irving

$4,197

Irving

$6,884

Irving

$9,086

Killeen

$1,781

Killeen

$7,672

Killeen

$2,876

Killeen

$4,700

Killeen

$6,261

Laredo

$1,410

Laredo

$6,364

Laredo

$2,306

Laredo

$3,810

Laredo

$5,152

League City

$3,268

League City

$23,624

League City

$6,424

League City

$11,951

League City

$18,210

Lewisville

$2,830

Lewisville

$12,206

Lewisville

$4,610

Lewisville

$7,574

Lewisville

$10,001

Lubbock

$2,558

Lubbock

$10,378

Lubbock

$4,095

Lubbock

$6,639

Lubbock

$8,564

McAllen

$1,863

McAllen

$9,926

McAllen

$3,244

McAllen

$5,656

McAllen

$7,927

McKinney

$2,645

McKinney

$11,462

McKinney

$4,310

McKinney

$7,094

McKinney

$9,373

Mesquite

$2,666

Mesquite

$11,595

Mesquite

$4,352

Mesquite

$7,175

Mesquite

$9,484

Midland

$2,046

Midland

$8,659

Midland

$3,285

Midland

$5,360

Midland

$7,067

Odessa

$2,017

Odessa

$8,612

Odessa

$3,244

Odessa

$5,300

Odessa

$7,018

Pasadena

$2,965

Pasadena

$21,136

Pasadena

$5,727

Pasadena

$10,692

Pasadena

$16,360

Pearland

$2,581

Pearland

$17,579

Pearland

$4,903

Pearland

$9,005

Pearland

$13,626

Plano

$2,668

Plano

$11,573

Plano

$4,352

Plano

$7,166

Plano

$9,460

Richardson

$2,658

Richardson

$11,542

Richardson

$4,335

Richardson

$7,142

Richardson

$9,438

Round Rock

$1,475

Round Rock

$6,752

Round Rock

$2,415

Round Rock

$4,019

Round Rock

$5,462

San Angelo

$2,194

San Angelo

$8,632

San Angelo

$3,470

San Angelo

$5,561

San Angelo

$7,133

San Antonio

$1,305

San Antonio

$6,227

San Antonio

$2,155

San Antonio

$3,625

San Antonio

$4,999

Sugar Land

$2,548

Sugar Land

$16,312

Sugar Land

$4,751

Sugar Land

$8,727

Sugar Land

$12,900

The Woodlands

$2,047

The Woodlands

$12,767

The Woodlands

$3,724

The Woodlands

$6,633

The Woodlands

$9,891

Tyler

$2,040

Tyler

$8,940

Tyler

$3,320

Tyler

$5,471

Tyler

$7,290

Waco

$1,814

Waco

$8,100

Waco

$2,967

Waco

$4,916

Waco

$6,576

Wichita Falls

$3,215

Wichita Falls

$13,240

Wichita Falls

$5,174

Wichita Falls

$8,406

Wichita Falls

$10,902

Provo

$522

Provo

$2,838

Provo

$918

Provo

$1,560

Provo

$2,212

Salt Lake City

$510

Salt Lake City

$2,740

Salt Lake City

$887

Salt Lake City

$1,508

Salt Lake City

$2,144

West Jordan

$526

West Jordan

$2,784

West Jordan

$912

West Jordan

$1,539

West Jordan

$2,186

West Valley City

$520

West Valley City

$2,782

West Valley City

$906

West Valley City

$1,535

West Valley City

$2,176

Alexandria

$924

Alexandria

$4,338

Alexandria

$1,506

Alexandria

$2,398

Alexandria

$3,341

Arlington

$941

Arlington

$4,394

Arlington

$1,524

Arlington

$2,428

Arlington

$3,384

Chesapeake

$1,661

Chesapeake

$8,491

Chesapeake

$2,748

Chesapeake

$4,543

Chesapeake

$6,535

Hampton

$1,734

Hampton

$8,748

Hampton

$2,832

Hampton

$4,672

Hampton

$6,746

Newport News

$1,580

Newport News

$8,000

Newport News

$2,596

Newport News

$4,285

Newport News

$6,163

Norfolk

$1,724

Norfolk

$8,856

Norfolk

$2,856

Norfolk

$4,730

Norfolk

$6,812

Richmond

$1,138

Richmond

$5,629

Richmond

$1,865

Richmond

$3,014

Richmond

$4,295

Virginia Beach

$2,030

Virginia Beach

$10,641

Virginia Beach

$3,391

Virginia Beach

$5,673

Virginia Beach

$8,203

Bellevue

$641

Bellevue

$2,502

Bellevue

$929

Bellevue

$1,435

Bellevue

$1,986

Everett

$682

Everett

$2,686

Everett

$997

Everett

$1,544

Everett

$2,133

Kent

$665

Kent

$2,645

Kent

$976

Kent

$1,518

Kent

$2,101

Renton

$652

Renton

$2,541

Renton

$948

Renton

$1,460

Renton

$2,016

Seattle

$640

Seattle

$2,470

Seattle

$923

Seattle

$1,421

Seattle

$1,963

Spokane

$666

Spokane

$2,606

Spokane

$973

Spokane

$1,503

Spokane

$2,074

Tacoma

$666

Tacoma

$2,676

Tacoma

$980

Tacoma

$1,534

Tacoma

$2,125

Vancouver

$663

Vancouver

$2,629

Vancouver

$970

Vancouver

$1,510

Vancouver

$2,088

Charleston

$916

Charleston

$5,005

Charleston

$1,593

Charleston

$2,669

Charleston

$3,785

Green Bay

$656

Green Bay

$3,753

Green Bay

$1,056

Green Bay

$1,803

Green Bay

$2,770

Madison

$635

Madison

$3,540

Madison

$1,064

Madison

$1,758

Madison

$2,647

Milwaukee

$709

Milwaukee

$4,175

Milwaukee

$1,164

Milwaukee

$1,993

Milwaukee

$3,080

Cheyenne

$1,318

Cheyenne

$10,540

Cheyenne

$2,585

Cheyenne

$5,278

Cheyenne

$7,574

Average Cost of Home Insurance by Zip Code

Aside from your state and city, your ZIP code and its unique challenges also affect the average cost of homeowners insurance. Take Ohio, for instance: ZIP code 44135 averages $1,853 yearly, while ZIP code 43604 is priced at $2,517, marking a $664 difference in the same state.

Dive into the following table to see average home insurance rates by ZIP code, tailored for your state, with specified coverage limits and a $1,000 deductible.

Zip Code
Average Annual Premium
Difference From State Avg

35211

$4,457

-$2,333

35235

$6,039

-$752

35803

$5,978

-$812

35811

$6,131

-$660

35986

$7,651

$861

36104

$5,943

-$848

36116

$6,103

-$688

36521

$11,879

$5,088

36618

$12,589

$5,798

36695

$12,752

$5,962

36870

$3,759

-$3,032

99505

$2,532

$506

99516

$1,194

-$832

99643

$3,351

$1,325

99703

$1,756

-$270

99740

$3,059

$1,033

85012

$2,866

-$192

85016

$2,764

-$294

85022

$2,425

-$633

85037

$3,798

$740

85040

$4,008

$950

85083

$2,292

-$767

85085

$3,725

$667

85201

$4,119

$1,061

85208

$2,328

-$730

85209

$2,264

-$794

85233

$3,763

$705

85249

$3,457

$399

85259

$3,809

$751

85266

$3,894

$836

85281

$4,096

$1,038

85282

$3,986

$928

85286

$3,633

$575

85295

$2,221

-$837

85306

$3,680

$621

85308

$3,617

$559

85381

$3,593

$534

85382

$3,456

$398

85387

$3,341

$283

85396

$3,318

$260

85705

$2,303

-$755

85747

$3,410

$352

85748

$3,586

$528

86314

$2,106

-$952

86504

$5,582

$2,524

86535

$3,830

$772

71945

$8,831

$3,002

72034

$4,546

-$1,283

72202

$7,005

$1,177

72212

$4,570

-$1,259

72946

$8,257

$2,429

90002

$2,527

$553

90008

$2,600

$625

90022

$2,194

$220

90023

$2,536

$562

90032

$2,489

$515

90241

$2,132

$158

90242

$2,172

$198

90291

$2,137

$163

90301

$2,444

$469

90303

$2,436

$461

90503

$1,904

-$71

90504

$1,874

-$100

90650

$1,941

-$33

90802

$1,196

-$778

90806

$2,077

$103

90807

$1,849

-$125

91103

$1,981

$6

91107

$1,833

-$141

91201

$2,114

$139

91202

$2,270

$296

91321

$2,366

$392

91344

$3,066

$1,092

91355

$2,217

$243

91361

$2,020

$46

91362

$1,931

-$44

91367

$1,647

-$327

91504

$2,180

$205

91505

$2,110

$136

91606

$2,681

$707

91731

$1,951

-$24

91733

$2,028

$54

91737

$2,266

$292

91739

$2,244

$270

91752

$2,334

$359

91761

$2,182

$208

91762

$1,229

-$745

91766

$2,432

$458

91768

$2,473

$498

91790

$2,177

$203

91792

$2,336

$362

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-$816

58210

$4,663

$1,801

58384

$4,703

$1,841

43123

$2,178

-$706

43204

$2,193

-$691

43215

$3,577

$693

43240

$3,178

$294

43604

$2,709

-$175

43610

$4,157

$1,273

43917

$3,385

$501

44105

$2,220

-$664

44109

$3,283

$399

44135

$3,100

$216

44306

$3,289

$405

44320

$3,344

$460

44612

$3,126

$242

45214

$3,446

$562

45216

$2,120

-$764

45229

$3,406

$523

45402

$4,066

$1,182

45404

$3,931

$1,047

73020

$10,745

$3,831

73068

$9,822

$2,908

73142

$7,132

$217

73159

$6,843

-$72

73481

$9,021

$2,107

73950

$10,915

$4,000

74011

$4,456

-$2,459

74014

$6,984

$69

74075

$5,103

-$1,812

74120

$6,419

-$496

74126

$4,952

-$1,962

74133

$7,239

$324

74857

$9,996

$3,082

97030

$1,747

$406

97080

$1,773

$431

97123

$1,627

$286

97124

$1,589

$248

97202

$1,024

-$317

97220

$1,098

-$243

97224

$1,006

-$335

97230

$1,080

-$262

97305

$1,634

$293

97306

$1,719

$377

97402

$1,563

$222

97403

$964

-$377

97836

$2,116

$775

97883

$2,289

$948

15206

$1,650

-$982

15214

$1,622

-$1,011

15221

$1,583

-$1,049

15684

$2,671

$39

17103

$1,756

-$876

17603

$2,496

-$136

17866

$2,848

$216

18103

$1,748

-$884

18109

$2,911

$278

19120

$5,061

$2,429

19124

$4,977

$2,345

19125

$3,181

$549

19128

$4,678

$2,046

19145

$3,103

$471

19150

$3,035

$403

19151

$3,233

$601

02879

$3,389

$900

02896

$2,984

$495

02905

$3,576

$1,087

02906

$2,074

-$415

02920

$1,950

-$539

29070

$3,910

-$716

29150

$4,365

-$260

29201

$3,698

-$927

29206

$3,793

-$832

29360

$3,913

-$712

29407

$6,144

$1,519

29414

$6,250

$1,625

29418

$3,681

-$944

29456

$6,077

$1,452

29501

$2,746

-$1,880

29577

$10,820

$6,194

57104

$4,986

$1,383

57110

$3,009

-$594

57237

$4,486

$883

57630

$4,400

$797

57701

$3,020

-$584

37013

$3,200

-$1,215

37029

$5,237

$823

37040

$5,006

$592

37042

$5,430

$1,016

37072

$5,053

$639

37075

$4,841

$427

37076

$3,379

-$1,035

37128

$5,783

$1,369

37129

$5,660

$1,246

37174

$3,298

-$1,116

37334

$5,907

$1,493

37406

$5,688

$1,274

37410

$5,417

$1,003

37919

$2,799

-$1,615

37922

$4,334

-$80

38120

$3,921

-$493

38126

$5,916

$1,502

38134

$5,692

$1,278

38478

$6,067

$1,652

75002

$6,746

$404

75006

$7,489

$1,146

75010

$7,579

$1,237

75013

$6,571

$229

75024

$7,077

$734

75034

$6,922

$580

75035

$6,700

$358

75039

$6,720

$377

75040

$6,959

$617

75041

$6,619

$277

75051

$7,188

$846

75052

$7,117

$775

75057

$7,061

$719

75060

$6,814

$472

75069

$6,978

$636

75071

$6,976

$633

75077

$7,827

$1,484

75080

$7,253

$910

75081

$6,794

$451

75093

$7,011

$668

75149

$7,177

$835

75181

$6,931

$589

75216

$6,804

$461

75225

$6,949

$607

75230

$4,553

-$1,790

75235

$4,160

-$2,183

75236

$6,664

$321

75249

$4,553

-$1,789

75252

$6,871

$529

75707

$5,433

-$910

75709

$5,392

-$950

75925

$5,553

-$789

76001

$4,425

-$1,918

76015

$7,303

$961

76016

$7,308

$966

76028

$4,482

-$1,860

76106

$4,275

-$2,067

76132

$7,390

$1,048

76140

$6,941

$599

76226

$7,901

$1,559

76227

$7,889

$1,547

76301

$8,120

$1,777

76306

$8,255

$1,913

76543

$4,853

-$1,489

76549

$4,463

-$1,879

76706

$4,784

-$1,559

76708

$4,966

-$1,377

76903

$5,295

-$1,047

76905

$5,501

-$841

77012

$9,840

$3,498

77020

$9,289

$2,947

77040

$7,855

$1,513

77047

$10,175

$3,833

77048

$10,415

$4,073

77053

$10,649

$4,307

77071

$9,178

$2,836

77093

$7,913

$1,570

77338

$8,003

$1,660

77375

$7,104

$762

77389

$6,920

$578

77478

$8,955

$2,613

77479

$9,140

$2,798

77503

$11,105

$4,763

77505

$11,647

$5,304

77546

$10,733

$4,391

77581

$8,903

$2,560

77598

$14,658

$8,316

77701

$9,970

$3,627

77708

$9,271

$2,929

77840

$4,461

-$1,881

77845

$4,406

-$1,937

78043

$3,810

-$2,533

78046

$3,807

-$2,535

78203

$4,007

-$2,335

78214

$3,509

-$2,833

78245

$3,768

-$2,574

78251

$2,177

-$4,165

78255

$3,631

-$2,712

78258

$3,553

-$2,789

78373

$14,498

$8,156

78405

$5,709

-$633

78418

$13,001

$6,659

78503

$5,688

-$654

78521

$8,395

$2,052

78557

$5,758

-$584

78586

$7,806

$1,464

78650

$4,242

-$2,101

78665

$2,569

-$3,773

78681

$3,949

-$2,394

78702

$3,855

-$2,487

78717

$3,673

-$2,669

78747

$3,972

-$2,370

79104

$7,341

$999

79107

$7,499

$1,157

79416

$6,627

$285

79424

$6,266

-$76

79603

$7,056

$714

79606

$6,837

$494

79705

$5,376

-$966

79707

$5,191

-$1,152

79763

$5,248

-$1,094

79765

$5,228

-$1,114

79904

$2,663

-$3,680

79922

$2,650

-$3,692

79925

$2,685

-$3,657

84010

$983

-$387

84084

$1,628

$258

84088

$1,550

$180

84103

$1,559

$189

84104

$1,557

$187

84118

$1,633

$263

84119

$1,535

$165

84531

$1,375

$5

84601

$944

-$426

84606

$1,658

$288

84782

$1,949

$579

05401

$1,161

-$477

05775

$2,189

$552

05822

$2,326

$688

22031

$1,720

-$1,745

22202

$2,563

-$902

22205

$2,505

-$961

22301

$2,473

-$993

22304

$2,530

-$935

22824

$2,901

-$565

23219

$3,258

-$208

23225

$3,119

-$347

23320

$4,957

$1,492

23321

$4,634

$1,169

23454

$4,036

$571

23455

$3,673

$207

23464

$3,261

-$205

23504

$4,989

$1,524

23509

$5,002

$1,536

23601

$2,846

-$620

23606

$4,445

$979

23661

$5,051

$1,586

23666

$4,841

$1,375

24531

$3,373

-$92

98006

$964

-$349

98008

$1,548

$235

98021

$990

-$322

98032

$1,580

$267

98042

$1,582

$269

98055

$1,600

$287

98056

$1,446

$134

98105

$979

-$334

98112

$999

-$314

98199

$980

-$333

98203

$1,564

$251

98208

$1,653

$340

98290

$1,628

$315

98404

$1,684

$372

98465

$1,508

$195

98662

$1,591

$278

98663

$1,553

$240

98812

$1,922

$609

99208

$1,477

$164

99223

$1,652

$339

25301

$2,794

$219

25401

$2,472

-$103

25676

$4,382

$1,808

25705

$1,736

-$839

26576

$2,831

$257

53002

$1,956

$475

53212

$1,406

-$75

53220

$1,279

-$202

53223

$1,294

-$187

53704

$1,873

$391

53713

$1,985

$503

54304

$1,202

-$280

54313

$2,015

$534

54488

$2,292

$811

54935

$1,181

-$300

82001

$4,895

$1,862

82050

$5,006

$1,974

82072

$1,819

-$1,214

82937

$2,568

-$464

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Average Cost of Home Insurance by Credit Score

Your credit score can significantly influence the average cost of your home insurance. For instance, having a good credit score could save you an average of $4,437 per year. Insurers often view a higher credit score as an indicator of financial responsibility, suggesting fewer claims in the future. Conversely, a lower score might lead to elevated premiums. However, the government prohibits states from using credit scores to determine rates in states like California, Hawaii and Massachusetts.

If you live in a state where insurers use credit scores to determine your rates, use the table below to see the average cost of home insurance based on your credit score and desired dwelling coverage.

Credit Score
Average Annual Premium

Excellent

$1,003

Excellent

$5,674

Excellent

$1,790

Excellent

$3,096

Excellent

$4,385

Good

$1,518

Good

$7,947

Good

$2,614

Good

$4,373

Good

$6,139

Fair

$2,204

Fair

$11,125

Fair

$3,754

Fair

$6,171

Fair

$8,606

Below Fair

$2,905

Below Fair

$14,424

Below Fair

$4,911

Below Fair

$8,009

Below Fair

$11,153

Poor

$4,202

Poor

$20,749

Poor

$7,051

Poor

$11,579

Poor

$16,068

Average Cost of Home Insurance by Home’s Age

The age of your home directly impacts your home insurance costs — case in point, $250,000 in dwelling coverage for a house built in 2023 costs $1,319 per year, while the same policy for a home built in 2000 costs an average of $2,614 annually. Older homes might have outdated electrical, plumbing or heating systems, posing higher risks for issues or damages. Additionally, previous years' materials and construction methods might not meet today's safety standards. Consequently, insuring an older home can be costlier, as insurers anticipate potential claims stemming from age-related wear and tear or outdated infrastructure.

On the flip side, newer homes often benefit from modern construction techniques, safer materials and up-to-date systems. These homes are typically more energy-efficient and built to current safety codes, leading to fewer insurance claims. As a result, homeowners of newer properties might enjoy lower insurance premiums, as insurers perceive their homes as less risky.

Home insurance is $2,164 annually for a 2000 home versus $1,319 for a 2023 home

Explore the table below to see how rates can change depending on what year your home was built and your desired dwelling coverage.

Construction Year
Annual Premium

2000

$1,518

2000

$7,947

2000

$2,614

2000

$4,373

2000

$6,139

2023

$785

2023

$3,992

2023

$1,319

2023

$2,198

2023

$3,083

Average Cost of Home Insurance by Roof and Construction Type

Your home's roof and construction type hold significant sway over your insurance premiums. A robust, well-maintained roof, especially made of durable materials like metal or slate, can offer better protection against elements like rain or hail, leading to potential discounts. Conversely, roofs needing repair or made of less resilient materials might elevate rates.

The construction type matters as well. Homes built with fire-resistant materials, such as brick or stone, often attract lower premiums than those constructed with wood, which is more flammable. Insurers assess these factors to gauge the potential risk and repair costs they might shoulder.

Explore the table below to see how rates can change depending on your roof type, construction type and desired dwelling coverage.

Roof Type
Average Annual Premium

Composition

$1,518

Composition

$7,947

Composition

$2,614

Composition

$4,373

Composition

$6,139

Composition

$1,442

Composition

$7,507

Composition

$2,473

Composition

$4,140

Composition

$5,803

Composition

$1,381

Composition

$7,126

Composition

$2,356

Composition

$3,935

Composition

$5,508

Shake-Treated

$1,640

Shake-Treated

$8,548

Shake-Treated

$2,819

Shake-Treated

$4,710

Shake-Treated

$6,606

Shake-Treated

$1,544

Shake-Treated

$8,006

Shake-Treated

$2,645

Shake-Treated

$4,419

Shake-Treated

$6,191

Shake-Treated

$1,483

Shake-Treated

$7,618

Shake-Treated

$2,526

Shake-Treated

$4,211

Shake-Treated

$5,890

Tile

$1,412

Tile

$7,389

Tile

$2,430

Tile

$4,042

Tile

$5,695

Tile

$1,323

Tile

$6,890

Tile

$2,270

Tile

$3,774

Tile

$5,312

Tile

$1,263

Tile

$6,509

Tile

$2,153

Tile

$3,569

Tile

$5,017

Factors Affecting Home Insurance Costs

Home insurance rates change because of the inherent risks of insuring a property. Insurance companies prioritize saving money by mitigating these risks. The riskier it is to insure a home, the more the insurance policy costs. Understanding these risk factors can empower homeowners to make informed decisions about their coverage.

Factor
Description

Dwelling Coverage Limit

Dwelling coverage, which is what pays to rebuild or repair your home after a covered event, is one of the biggest factors that determine premiums. The more it costs to rebuild your home, the more you will pay in home insurance costs.

Personal Property Coverage Limit

Personal property coverage also shapes the cost of your premiums. This coverage offers protection for your belongings in the event of certain incidents. Standard home insurance policies automatically assign 70–75% of your dwelling coverage as your personal property limits, but you can increase it independently if needed.

Coverage Type

There are two types of coverage: replacement cost (RCV) and actual cash value (ACV). ACV covers the item's cost minus depreciation, while RCV pays to replace the item with a new one of similar quality and value. Getting RCV on your dwelling and personal property coverage is more expensive, but it’s worth it as it ensures you receive the full cost to replace or repair items without accounting for depreciation, providing greater financial protection in the event of a loss.

Deductible Amount

Regarding home insurance, your deductible is the amount you'll pay out-of-pocket for a claim before coverage takes effect. The higher the deductible, the lower the premium cost, but the more you have to pay out of pocket if you file a claim. Check deductible options to see if the premium savings are worth the higher deductible amount.

Age of Home

The older the home is, the more likely it is you'll file a claim and the more expensive the payout will be for repairs or replacement. Updating the roof and systems like heating, cooling, electrical and plumbing could lower the home insurance costs on an older dwelling.

Home Location

The home’s location matters. The more dense the population and the higher the frequency of weather-related events, the more expensive the base rate will be for that area.

Roof Type

Your roof type plays a pivotal role in home insurance because it determines how well your home is protected against elements like rain, hail, and wind. A durable roof can lead to lower premiums, as it presents less risk to insurers. Conversely, older or less resilient roofs might increase your rates.

Credit Score

Most states allow insurers to use your credit history when determining your home insurance premium. The only states that don’t are California, Maryland and Massachusetts.

Frequency of Claims

The more claims you file, the higher the cost for home insurance. Claims typically stay “chargeable” for 3–5 years and follow you from company to company and house to house. Be smart about filing claims, avoid filing inexpensive claims and mitigate damage before a weather event to keep your claims frequency as low as possible.

Other Factors

These factors are less impactful but are still used to determine your rate: pool, aggressive pets, security systems and proximity to the nearest fire department.

Frequently Asked Questions About the Cost of Home Insurance

Many factors impact the cost of home insurance. Most are specific to the home, while some are based on your personal information and claims history. Here are answers to the most common questions about the cost of home insurance.

Expert Insight on Affordable Homeowners Insurance

MoneyGeek teamed up with experts to get insight on how consumers can find affordable home insurance with the right coverages. These experts offer tips and advice for purchasing home insurance on a new home or comparing quotes on your existing home.

  1. What are your top tips for saving on the cost of homeowners insurance?
  2. How does the home’s construction type impact insurance or other costs?
  3. What steps can homeowners take to lower their insurance costs?
Sandra D. Adams, CFP®
Sandra D. Adams, CFP®

Lead Financial Planner/Partner at The Center for Financial Planning, Inc.

Jenna Rodriguez
Jenna Rodriguez

Agency Owner with American Family Insurance

Heidi Petschauer, CIC
Heidi Petschauer, CIC

President, Petschauer Insurance

Rick Rolfs
Rick Rolfs

Principal

Marc Girardot, MBA, CFP®
Marc Girardot, MBA, CFP®

Founder and CEO at Vertical Ascent Wealth Management

William Nunn, CFP®
William Nunn, CFP®

Managing Member, Founder of Horizon Financial Planning LLC

Thomas Simeone
Thomas Simeone

Trial Attorney, Simeone & Miller, LLP

Richard Hall
Richard Hall

Wealth Advisor, CFP® at Pitzl Financial

Brian Blakely
Brian Blakely

Director of Property & Casualty at Stonebridge Insurance & Wealth Management

Josh Bitel
Josh Bitel

CFP® at The Center for Financial Planning

Neil Teubel, MS, CFP®
Neil Teubel, MS, CFP®

Wealth Manager & Director of Financial Planning at CI - BDF Private Wealth

Rose M. Price
Rose M. Price

Partner, Financial Planner CFP®, AIF at VLP Financial Advisors

Joni Alt
Joni Alt

Director of Financial Planning, CFP®, EA, at Hopwood Financial Services

Belle Osvath
Belle Osvath

Financial Advisor CFP ®, AIF®, CSLP at VLP Financial Advisors

Marissa Sweet
Marissa Sweet

Commercial Property and Casualty Insurance Consultant at PropertyCashin.com

Katherine Armstrong
Katherine Armstrong

Financial Planner – MBA, CFP®, CRPC®

Barry Choi
Barry Choi

Personal Finance and Travel Expert at MoneyWeHave.com

Brett Holmes, CFP® , CRPC®
Brett Holmes, CFP® , CRPC®

Financial Advisor at Berman McAleer

Matt Hylland
Matt Hylland

Financial Planner at Arnold & Mote Wealth Management

David Echeverry
David Echeverry

Visiting Assistant Professor of Finance, Mendoza College of Business, University of Notre Dame

Dr. Oliver Cruz-Milan
Dr. Oliver Cruz-Milan

Assistant Professor of Marketing at Texas A&M University - Corpus Christi

Joseph F. Eschleman, CIMA®
Joseph F. Eschleman, CIMA®

President of Towerpoint Wealth

Marianela Collado	, CPA/PFS, CFP®
Marianela Collado , CPA/PFS, CFP®

CEO and Certified Financial Planner at Tobias Financial Advisors

Chris Jennings, CFP®
Chris Jennings, CFP®

Wealth Advisor at Heron Wealth

Lauryn Williams
Lauryn Williams

CFP® Professional

Chad Nehring
Chad Nehring

Certified Financial Planner

Laura Sendldorfer
Laura Sendldorfer

Financial Advisor & Insurance Specialist at Offit Advisors

May Jiang
May Jiang

CPA, CFP®, Founder of Beyond Profit and Wealth Consulting

Jay Rigler
Jay Rigler

Money Coach

Cristina Livadary
Cristina Livadary

CFP®, RLP®; CEO & Co-Founder of Mana Financial Life Design

Catherine Valega
Catherine Valega

Certified Financial Planning Prof (CFP), and CAIA (Chartered Alternative Investment Analyst)

Phil Hearn
Phil Hearn

Strategic Business Consultant at Real Estate Bees

Jake Hill
Jake Hill

CEO of DebtHammer

Kayla Burrows
Kayla Burrows

Property and Casualty Licensed Florida Agent at Eagle Insurance Group

About Mandy Sleight, Licensed Insurance Agent


Mandy Sleight, Licensed Insurance Agent headshot

Mandy Sleight is a writer for MoneyGeek and has been an insurance agent since 2005. As a freelance writer, she uses her vast knowledge of the insurance industry to create informative, engaging and easy-to-understand content for consumers. Her work has been featured in Market Watch, Kiplinger and other major publications.


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