Insurance

Home Insurance Cost by City

Average annual homeowners insurance premium. Compare costs across 300 US cities.

National Average
$1,000 – $3,500
$/yr
Cities
300+
Cheapest
Kalamazoo
Most Expensive
Sunnyvale
Spread
$1K – $4K
RankingsAll CitiesFAQRelated Topics

The price of home insurance depends on your zip code more than any other single factor. Comparing home insurance cost by city reveals a range from $1,000 in the most affordable markets to $3,500 in the priciest — wide enough to reshape a budget. This guide ranks all 300+ cities in our database and explains why some markets charge so much more than others.

Why Home Insurance Costs Vary by City

1

Local claims frequency and severity (weather, crime, traffic patterns)

2

State insurance regulations and minimum coverage requirements

3

Insurance carrier competition density in the local market

4

State-mandated consumer protections that affect premium structures

5

Demographic factors that insurers use in rate calculations

Cheapest and Most Expensive Cities for Home Insurance

🟢 Most Affordable

1Kalamazoo, MI
$1K-41%
2Jefferson City, MO
$1K-37%
3Green Bay, WI
$1K-35%
4Flint, MI
$1K-34%
5Mobile, AL
$2K-30%

🔴 Most Expensive

1Sunnyvale, CA
$4K+86%
2Telluride, CO
$4K+84%
3Vail, CO
$4K+82%
4San Jose, CA
$4K+78%
5New York, NY
$4K+77%

Compare Home Insurance Prices Across 300 Cities

#CityStateLowAverageHighvs National
1KalamazooMI$593$1,335$2,076-41%
2Jefferson CityMO$630$1,417$2,203-37%
3Green BayWI$649$1,461$2,272-35%
4FlintMI$664$1,494$2,323-34%
5MobileAL$697$1,569$2,440-30%
6ConwayAR$702$1,579$2,455-30%
7Idaho FallsID$705$1,587$2,468-29%
8DecaturIL$716$1,612$2,507-28%
9ScrantonPA$717$1,613$2,509-28%
10Rapid CitySD$718$1,615$2,511-28%
11South BendIN$719$1,618$2,516-28%
12AmarilloTX$724$1,629$2,533-28%
13HarrisburgPA$732$1,646$2,560-27%
14FresnoCA$739$1,663$2,586-26%
15OshkoshWI$740$1,666$2,591-26%
16LincolnNE$741$1,668$2,595-26%
17BirminghamAL$743$1,672$2,600-26%
18St. LouisMO$745$1,676$2,606-26%
19HattiesburgMS$747$1,681$2,615-25%
20College StationTX$753$1,694$2,634-25%
21DaytonOH$757$1,704$2,650-24%
22PierreSD$759$1,708$2,657-24%
23ColumbiaSC$764$1,719$2,674-24%
24SpringfieldMO$765$1,722$2,678-23%
25San AntonioTX$768$1,728$2,688-23%
26ClevelandOH$768$1,728$2,687-23%
27ChattanoogaTN$768$1,728$2,688-23%
28MadisonWI$772$1,737$2,701-23%
29FayettevilleAR$774$1,742$2,710-23%
30TucsonAZ$779$1,754$2,728-22%
31IndianapolisIN$781$1,757$2,732-22%
32MurfreesboroTN$781$1,757$2,733-22%
33Cedar RapidsIA$785$1,766$2,747-22%
34BeaumontTX$786$1,768$2,749-21%
35ClearwaterFL$787$1,771$2,754-21%
36KnoxvilleTN$793$1,785$2,776-21%
37Winston-SalemNC$795$1,788$2,781-21%
38Oklahoma CityOK$803$1,806$2,809-20%
39Des MoinesIA$812$1,828$2,843-19%
40WichitaKS$813$1,830$2,846-19%
41TopekaKS$814$1,831$2,847-19%
42ShreveportLA$814$1,832$2,850-19%
43OrlandoFL$815$1,833$2,851-19%
44LaredoTX$815$1,834$2,853-18%
45EriePA$817$1,839$2,861-18%
46MemphisTN$819$1,843$2,867-18%
47RockfordIL$820$1,844$2,868-18%
48CharlestonWV$823$1,852$2,881-18%
49VictorvilleCA$826$1,859$2,891-17%
50LansingMI$828$1,862$2,896-17%
51Sioux FallsSD$828$1,864$2,899-17%
52LakelandFL$829$1,865$2,900-17%
53LouisvilleKY$829$1,866$2,903-17%
54WacoTX$832$1,872$2,911-17%
55LaramieWY$834$1,876$2,917-17%
56Little RockAR$836$1,881$2,925-16%
57ColumbiaMO$836$1,882$2,927-16%
58LexingtonKY$837$1,883$2,929-16%
59HuntsvilleAL$838$1,886$2,933-16%
60MeridianID$842$1,894$2,945-16%
61RacineWI$844$1,899$2,953-16%
62El PasoTX$846$1,904$2,961-15%
63ReadingPA$848$1,908$2,967-15%
64StocktonCA$850$1,913$2,976-15%
65AppletonWI$853$1,919$2,984-15%
66BismarckND$854$1,921$2,988-15%
67RogersAR$854$1,922$2,989-15%
68PensacolaFL$855$1,923$2,991-15%
69Terre HauteIN$856$1,926$2,995-14%
70ChicagoIL$858$1,931$3,003-14%
71LafayetteLA$858$1,931$3,003-14%
72EvansvilleIN$860$1,936$3,012-14%
73TrentonNJ$861$1,938$3,015-14%
74IndependenceMO$863$1,941$3,019-14%
75TacomaWA$864$1,945$3,025-14%
76Corpus ChristiTX$865$1,946$3,027-14%
77CharlotteNC$866$1,949$3,032-13%
78Kansas CityMO$866$1,949$3,031-13%
79SpringfieldIL$869$1,955$3,041-13%
80AbileneTX$869$1,955$3,041-13%
81RaleighNC$872$1,962$3,052-13%
82OntarioCA$873$1,965$3,056-13%
83San JuanPR$874$1,967$3,060-13%
84SchenectadyNY$876$1,971$3,066-12%
85BloomingtonIN$878$1,976$3,073-12%
86BoiseID$879$1,978$3,077-12%
87PuebloCO$891$2,004$3,117-11%
88AlbuquerqueNM$891$2,005$3,118-11%
89Eau ClaireWI$895$2,014$3,132-10%
90DentonTX$904$2,033$3,162-10%
91PlanoTX$904$2,035$3,165-10%
92NorfolkVA$908$2,043$3,177-9%
93BillingsMT$908$2,043$3,178-9%
94JolietIL$909$2,045$3,181-9%
95TallahasseeFL$910$2,048$3,186-9%
96McAllenTX$910$2,048$3,186-9%
97AkronOH$916$2,062$3,207-8%
98Cape CoralFL$918$2,065$3,212-8%
99Warner RobinsGA$920$2,070$3,219-8%
100Traverse CityMI$920$2,071$3,221-8%
101CharlestonSC$922$2,074$3,226-8%
102RoswellGA$924$2,079$3,233-8%
103Carson CityNV$926$2,084$3,241-7%
104ChicoCA$930$2,092$3,253-7%
105AugustaME$932$2,096$3,260-7%
106DallasTX$932$2,097$3,262-7%
107ReddingCA$932$2,098$3,263-7%
108ColumbusOH$933$2,100$3,266-7%
109ModestoCA$934$2,101$3,267-7%
110Baton RougeLA$935$2,103$3,271-7%
111CorvallisOR$938$2,111$3,284-6%
112EugeneOR$941$2,117$3,293-6%
113NapervilleIL$942$2,120$3,298-6%
114VallejoCA$943$2,122$3,300-6%
115DenverCO$950$2,137$3,323-5%
116Newport NewsVA$951$2,139$3,327-5%
117ConcordNH$953$2,145$3,336-5%
118TulsaOK$957$2,154$3,350-4%
119ManchesterNH$959$2,158$3,357-4%
120JanesvilleWI$959$2,158$3,357-4%
121Grand RapidsMI$960$2,160$3,359-4%
122CincinnatiOH$961$2,162$3,363-4%
123JacksonvilleFL$961$2,163$3,364-4%
124AlbanyNY$963$2,166$3,369-4%
125ChampaignIL$963$2,167$3,371-4%
126PhoenixAZ$963$2,168$3,372-4%
127KenoshaWI$967$2,176$3,385-3%
128ScottsdaleAZ$968$2,179$3,389-3%
129ClarksvilleTN$970$2,183$3,395-3%
130OmahaNE$971$2,185$3,399-3%
131SyracuseNY$973$2,190$3,406-3%
132PortsmouthNH$974$2,191$3,408-3%
133BellinghamWA$977$2,199$3,420-2%
134St. JosephMO$978$2,201$3,423-2%
135BloomingtonIL$979$2,203$3,427-2%
136FargoND$982$2,210$3,437-2%
137DavenportIA$983$2,212$3,441-2%
138Rancho CucamongaCA$983$2,212$3,441-2%
139AllentownPA$984$2,215$3,446-2%
140WorcesterMA$987$2,220$3,453-1%
141Colorado SpringsCO$991$2,230$3,468-1%
142GreensboroNC$992$2,231$3,470-1%
143FrankfortKY$995$2,239$3,4830%
144Pompano BeachFL$998$2,245$3,4910%
145GlendaleAZ$1,007$2,266$3,524+1%
146DuluthMN$1,008$2,267$3,526+1%
147Round RockTX$1,008$2,269$3,529+1%
148OdessaTX$1,009$2,270$3,531+1%
149BrownsvilleTX$1,012$2,277$3,541+1%
150TylerTX$1,019$2,292$3,565+2%
151New HavenCT$1,023$2,302$3,580+2%
152MontpelierVT$1,023$2,302$3,580+2%
153Bowling GreenKY$1,025$2,306$3,587+2%
154La CrosseWI$1,030$2,318$3,606+3%
155CranstonRI$1,032$2,323$3,613+3%
156KennewickWA$1,037$2,334$3,631+4%
157TempeAZ$1,040$2,341$3,641+4%
158BethlehemPA$1,040$2,341$3,641+4%
159LubbockTX$1,041$2,342$3,642+4%
160Fort CollinsCO$1,041$2,342$3,643+4%
161Palm BayFL$1,042$2,344$3,646+4%
162New OrleansLA$1,042$2,345$3,647+4%
163MilwaukeeWI$1,044$2,349$3,654+4%
164MesaAZ$1,044$2,349$3,654+4%
165JacksonMS$1,045$2,351$3,656+4%
166YakimaWA$1,047$2,356$3,664+5%
167CaryNC$1,049$2,361$3,672+5%
168Ann ArborMI$1,053$2,369$3,684+5%
169LowellMA$1,057$2,378$3,698+6%
170McKinneyTX$1,057$2,379$3,700+6%
171GilbertAZ$1,060$2,386$3,711+6%
172MissoulaMT$1,060$2,386$3,711+6%
173Elk GroveCA$1,060$2,386$3,711+6%
174SpringfieldMA$1,062$2,389$3,716+6%
175LakewoodNJ$1,066$2,398$3,730+7%
176North Las VegasNV$1,066$2,399$3,732+7%
177MaconGA$1,066$2,399$3,731+7%
178NampaID$1,066$2,399$3,732+7%
179GainesvilleFL$1,067$2,401$3,734+7%
180AshevilleNC$1,067$2,401$3,734+7%
181BiloxiMS$1,069$2,405$3,741+7%
182PocatelloID$1,075$2,418$3,761+7%
183Great FallsMT$1,077$2,423$3,768+8%
184IthacaNY$1,082$2,435$3,788+8%
185RochesterNY$1,086$2,444$3,801+9%
186Daytona BeachFL$1,086$2,444$3,802+9%
187San Luis ObispoCA$1,088$2,448$3,807+9%
188MontgomeryAL$1,088$2,449$3,809+9%
189HendersonNV$1,090$2,452$3,814+9%
190WilmingtonDE$1,093$2,460$3,826+9%
191RiversideCA$1,094$2,461$3,828+9%
192FriscoTX$1,094$2,461$3,827+9%
193HartfordCT$1,094$2,462$3,829+9%
194DurhamNC$1,096$2,465$3,834+10%
195Coeur d'AleneID$1,096$2,466$3,836+10%
196Twin FallsID$1,098$2,471$3,843+10%
197PortlandME$1,104$2,485$3,865+10%
198DurangoCO$1,105$2,486$3,866+10%
199PortlandOR$1,105$2,487$3,868+11%
200Fort WorthTX$1,106$2,488$3,870+11%
201SpokaneWA$1,114$2,507$3,899+11%
202OxnardCA$1,116$2,511$3,906+12%
203Las VegasNV$1,117$2,514$3,910+12%
204ChesapeakeVA$1,117$2,514$3,910+12%
205HoustonTX$1,121$2,522$3,922+12%
206MinneapolisMN$1,122$2,524$3,925+12%
207FontanaCA$1,122$2,525$3,927+12%
208Saratoga SpringsNY$1,123$2,527$3,930+12%
209CasperWY$1,126$2,533$3,939+13%
210Virginia BeachVA$1,126$2,534$3,941+13%
211PhiladelphiaPA$1,130$2,542$3,953+13%
212BakersfieldCA$1,130$2,542$3,953+13%
213RenoNV$1,130$2,543$3,955+13%
214Salt Lake CityUT$1,132$2,548$3,963+13%
215PatersonNJ$1,134$2,552$3,970+13%
216Sandy SpringsGA$1,135$2,553$3,971+13%
217ProvoUT$1,135$2,554$3,972+14%
218PittsburghPA$1,136$2,556$3,976+14%
219ArlingtonTX$1,137$2,559$3,980+14%
220St. PaulMN$1,137$2,559$3,980+14%
221RichmondVA$1,145$2,576$4,006+14%
222Fort LauderdaleFL$1,150$2,588$4,025+15%
223PeoriaAZ$1,150$2,588$4,026+15%
224DoverDE$1,152$2,593$4,034+15%
225AtlantaGA$1,155$2,599$4,042+16%
226Palm SpringsCA$1,156$2,601$4,046+16%
227ChandlerAZ$1,159$2,607$4,055+16%
228VisaliaCA$1,159$2,608$4,057+16%
229SarasotaFL$1,160$2,610$4,060+16%
230CheyenneWY$1,163$2,618$4,072+16%
231ConcordCA$1,167$2,626$4,085+17%
232TampaFL$1,174$2,641$4,107+17%
233MidlandTX$1,175$2,644$4,112+18%
234Moreno ValleyCA$1,176$2,646$4,115+18%
235OlympiaWA$1,183$2,662$4,140+18%
236BuffaloNY$1,184$2,664$4,143+18%
237MedfordOR$1,187$2,670$4,153+19%
238Santa FeNM$1,187$2,671$4,155+19%
239MiamiFL$1,191$2,680$4,168+19%
240BendOR$1,191$2,681$4,170+19%
241HelenaMT$1,198$2,696$4,193+20%
242BellevueWA$1,201$2,702$4,202+20%
243GreeleyCO$1,204$2,709$4,214+20%
244Sugar LandTX$1,215$2,734$4,253+22%
245WarwickRI$1,216$2,735$4,254+22%
246AnchorageAK$1,217$2,739$4,260+22%
247AustinTX$1,219$2,743$4,267+22%
248AuroraCO$1,222$2,749$4,275+22%
249BridgeportCT$1,225$2,756$4,286+22%
250New BedfordMA$1,231$2,770$4,309+23%
251SacramentoCA$1,232$2,772$4,312+23%
252JuneauAK$1,233$2,775$4,316+23%
253ProvidenceRI$1,240$2,790$4,339+24%
254NashvilleTN$1,246$2,804$4,361+25%
255SavannahGA$1,246$2,804$4,361+25%
256NaplesFL$1,247$2,805$4,363+25%
257North CharlestonSC$1,252$2,817$4,382+25%
258Los AngelesCA$1,258$2,831$4,404+26%
259OceansideCA$1,263$2,842$4,421+26%
260SedonaAZ$1,267$2,851$4,435+27%
261ElizabethNJ$1,267$2,851$4,435+27%
262Santa RosaCA$1,267$2,852$4,436+27%
263Santa AnaCA$1,276$2,871$4,465+28%
264NewarkNJ$1,277$2,873$4,468+28%
265FlagstaffAZ$1,300$2,925$4,549+30%
266BaltimoreMD$1,303$2,932$4,560+30%
267ColumbiaMD$1,324$2,980$4,635+32%
268YonkersNY$1,328$2,987$4,646+33%
269WashingtonDC$1,341$3,018$4,694+34%
270RosevilleCA$1,342$3,020$4,698+34%
271Park CityUT$1,355$3,048$4,741+35%
272Santa CruzCA$1,361$3,062$4,762+36%
273SeattleWA$1,362$3,064$4,765+36%
274IrvineCA$1,364$3,069$4,774+36%
275Jersey CityNJ$1,370$3,083$4,795+37%
276BoulderCO$1,371$3,084$4,797+37%
277BurlingtonVT$1,397$3,143$4,889+40%
278JacksonWY$1,406$3,164$4,921+41%
279Simi ValleyCA$1,446$3,253$5,059+45%
280Huntington BeachCA$1,458$3,281$5,104+46%
281NapaCA$1,489$3,351$5,212+49%
282HonoluluHI$1,491$3,354$5,217+49%
283BostonMA$1,493$3,360$5,226+49%
284Long BeachCA$1,498$3,370$5,242+50%
285HaywardCA$1,527$3,437$5,346+53%
286StamfordCT$1,573$3,539$5,504+57%
287Santa BarbaraCA$1,597$3,594$5,590+60%
288AnaheimCA$1,604$3,609$5,614+60%
289Martha's VineyardMA$1,610$3,622$5,634+61%
290San DiegoCA$1,615$3,634$5,652+62%
291Key WestFL$1,615$3,635$5,654+62%
292AspenCO$1,618$3,642$5,665+62%
293OaklandCA$1,707$3,841$5,975+71%
294San FranciscoCA$1,719$3,868$6,017+72%
295CambridgeMA$1,761$3,962$6,162+76%
296New YorkNY$1,768$3,978$6,188+77%
297San JoseCA$1,782$4,009$6,236+78%
298VailCO$1,822$4,099$6,376+82%
299TellurideCO$1,843$4,147$6,450+84%
300SunnyvaleCA$1,858$4,180$6,501+86%

Frequently Asked Questions

How much does home insurance cost on average?

The national average for home insurance ranges from $1,000 to $3,500. However, actual costs vary significantly by city — Kalamazoo is the most affordable at $1,335, while Sunnyvale is the most expensive at $4,180. That's a spread of $2,845 between the cheapest and most expensive cities.

Where is home insurance cheapest in the US?

The top 5 most affordable cities for home insurance are: 1. Kalamazoo, MI ($1,335); 2. Jefferson City, MO ($1,417); 3. Green Bay, WI ($1,461); 4. Flint, MI ($1,494); 5. Mobile, AL ($1,569). These cities benefit from lower labor costs, less regulatory overhead, and more competitive local markets.

Why does home insurance cost more in some cities?

Several factors drive cost differences: local labor rates (often tied to housing costs), state and city regulations, material transportation costs, competitive density of service providers, and regional demand patterns. High cost-of-living cities like Sunnyvale (index: 218) have higher baseline expenses that push up service costs across the board.

About This Data

Data SourcesBLS Consumer Expenditure Survey, Census Bureau ACS, HUD Fair Market Rent data, and regional industry surveys.
MethodologyNational averages adjusted by city-specific cost-of-living indices derived from BLS regional price parities.
Confidence LevelMEDIUM-HIGH— State filing data

Limitations: These are estimated ranges based on federal datasets and cost indices, not direct local surveys. Actual costs may vary based on project scope, provider, timing, and local market conditions. Data last updated: March 2026.

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