Homeowners Insurance Rates by ZIP Code

Although the average cost of a home insurance policy is $1,979 per year for $250K in dwelling coverage, rates can differ based on your residence's ZIP code. Home insurance ensures protection against damages to your house and possessions, but different locations come with unique risks, which can influence your rates. For example, in Ohio, ZIP code 44135 has an average annual rate of $1,473, whereas ZIP code 43604 is at $1,960 — a difference of $487 annually.

Explore the table below to check out the average homeowners insurance rates by state and ZIP code for $250,000 in dwelling coverage, $125,000 in personal property coverage and $200,000 in liability coverage with a $1,000 deductible.

When you have a high-value home and select higher dwelling coverage levels, insurance rates can vary. The standard cost to insure a property with no less than $1 million in dwelling coverage is $9,640. Check the table below to see the average insurance rates across ZIP codes for homes with a minimum dwelling coverage of $1 million.

Certain ZIP codes offer lower homeowners insurance rates thanks to fewer natural disasters, lower crime rates and stable local economies. For example, ZIP code 96754 in Hawaii has rates about $1,542 cheaper than the national average.

Meanwhile, areas with higher risks — like frequent storms, crime and rebuilding costs — drive premiums up. ZIP code 33405 in Florida is the most expensive, costing $18,209 more than the national average.

Certain ZIP codes offer more favorable insurance rates due to a combination of factors: diminished theft rates, less frequent natural disasters and a thriving local community. ZIP code 96754 in Hawaii is a prime example, with rates of $1,542 less than the national average.

Check the table below to discover the top 10 cheapest home insurance ZIP codes and their respective states for a policy with 250/125/200 limits and a $1,000 deductible.

While some ZIP codes are cheaper, there are also states that face steeper insurance rates due to challenges like frequent severe weather events, rising crime rates and high population counts. ZIP code 33405 in Florida stands as the priciest, with rates $18,209 more than the national average.

A detailed breakdown of the top 10 most expensive ZIP codes and their states is shown in the table below.

Want to know the average insurance rates specific to your state? Navigate through the table below and use our home insurance calculator to gain a comprehensive understanding of your state's rates.

Insurers heavily weigh homeowners insurance rates by ZIP code and your specific location because it offers insight into the potential risks and associated costs they might face. Different locations come with distinct challenges and potential costs. Some factors insurers consider include:

Although your ZIP code might be on the pricier side for insurance, shopping around can lead you to more affordable home insurance policies.

While your ZIP code and location play significant roles in determining your home insurance rates, several other factors come into play. Understanding these can help you make informed decisions and potentially lower your premiums:

• Home Age and Construction: Older homes or those made from less durable materials might be more expensive to insure due to higher risks of damage or costly repairs.
• Home Security: Homes equipped with security systems, smoke detectors and burglar alarms often qualify for discounts as they present reduced risks.
• Claims History: If you've filed multiple claims in the past, insurers might view you as a higher risk, leading to increased rates.
• Deductible Amount: Choosing a higher deductible can lower your premium, but it means paying more out-of-pocket in the event of a claim.
• Coverage Limits: Opting for higher coverage limits or additional endorsements will increase your premium but ensure better protection.

Home insurance costs vary widely by ZIP code, with location playing a major role in your premium. Factors like natural disaster risk, rebuilding costs and local claim trends all impact what you pay. Understanding homeowners insurance rates by ZIP code helps you make informed decisions, ensuring you have the right coverage without overpaying.

Here are answers to common questions about how location affects your homeowners insurance premium.

MoneyGeek evaluated homeowners insurance carriers incorporating insights and premiums from the official databases of Quadrant Information Services.

Homeowner Profile

For our analysis, we created a sample homeowner profile with the following characteristics:

• Good credit score (769–792)
• Home constructed in 2000
• Wood-frame construction
• Composite shingle roof

Homeowners Insurance Coverage Details

Unless otherwise specified, we used the following coverage limits to collect quotes for our comparison:

• $250,000 in dwelling coverage
• $125,000 in personal property coverage
• $200,000 in personal liability coverage
• $1,000 deductible

We also compiled data for policies with broader coverage to determine the best companies for insuring expensive homes, upping limits to $1 million in dwelling coverage, $500,000 in personal property coverage and $1 million in liability coverage.