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To find the average cost of home insurance in each U.S. ZIP code, we analyzed sample quotes provided by Quadrant Information Services for a house with $300,000 in dwelling coverage, $300,000 in liability coverage, and a $1,000 policy deductible.
Average Homeowners Insurance Cost by Company. The cheapest home insurance cost estimate is $729 a year from Progressive, based on our analysis of average costs among large insurers.
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.
The average annual cost of home insurance for a property with a $350,000 dwelling limit is $1,678. 96818 is the cheapest ZIP code, while 33012 is the most expensive ZIP code for homeowners insurance. We’ve saved shoppers an average of $450 per year on their home insurance.
Below, we'll compare home insurance rates by insurance company and ZIP code based on our analysis of thousands of sample rates. The average annual cost of homeowners insurance in the U.S. is $2,601 yearly for dwelling coverage of $300,000.
Our homeowners insurance calculator helps you estimate your total premium by using the average rate among insurers in your ZIP code.
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.