Insurance

Home Insurance Cost by City

Average annual homeowners insurance premium. Compare costs across 301 US cities.

National Average
$1,000 – $3,500
$/yr
Cities
301
Cheapest
Kalamazoo
Most Expensive
Sunnyvale
Spread
$1K – $4K
RankingsAll CitiesFAQRelated Topics

The price of home insurance costs depends on your zip code more than any other single factor. Comparing home insurance costs 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 301 cities in our database and explains why some markets charge so much more than others.

Direct Answer

Home Insurance Costs average $2,250 nationally. In this city dataset, Kalamazoo, MI is the cheapest at $1,335, while Sunnyvale, CA is the most expensive at $4,180.

This hub is designed to route readers from the national answer into city-specific pages, where local rent, wages, insurance, taxes, and market conditions explain the real decision difference.

National average
$2,250

Reported as $/yr.

Cheapest city
Kalamazoo

$1,335 modeled cost.

Most expensive
Sunnyvale

$4,180 modeled cost.

City spread
$2,845

213% gap between the highest and lowest city values in this topic set.

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

How to Use This Guide

  1. Start with the national average, then check the city page because home insurance costs can move sharply by local market.
  2. Compare the lowest-cost cities against salary and housing before treating one city as the best option.
  3. Use the related city links and comparison pages to connect this topic to full cost-of-living decisions.

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 Costs Across 301 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%
150DetroitMI$1,018$2,291$3,564+2%
151TylerTX$1,019$2,292$3,565+2%
152New HavenCT$1,023$2,302$3,580+2%
153MontpelierVT$1,023$2,302$3,580+2%
154Bowling GreenKY$1,025$2,306$3,587+2%
155La CrosseWI$1,030$2,318$3,606+3%
156CranstonRI$1,032$2,323$3,613+3%
157KennewickWA$1,037$2,334$3,631+4%
158TempeAZ$1,040$2,341$3,641+4%
159BethlehemPA$1,040$2,341$3,641+4%
160LubbockTX$1,041$2,342$3,642+4%
161Fort CollinsCO$1,041$2,342$3,643+4%
162Palm BayFL$1,042$2,344$3,646+4%
163New OrleansLA$1,042$2,345$3,647+4%
164MilwaukeeWI$1,044$2,349$3,654+4%
165MesaAZ$1,044$2,349$3,654+4%
166JacksonMS$1,045$2,351$3,656+4%
167YakimaWA$1,047$2,356$3,664+5%
168CaryNC$1,049$2,361$3,672+5%
169Ann ArborMI$1,053$2,369$3,684+5%
170LowellMA$1,057$2,378$3,698+6%
171McKinneyTX$1,057$2,379$3,700+6%
172GilbertAZ$1,060$2,386$3,711+6%
173MissoulaMT$1,060$2,386$3,711+6%
174Elk GroveCA$1,060$2,386$3,711+6%
175SpringfieldMA$1,062$2,389$3,716+6%
176LakewoodNJ$1,066$2,398$3,730+7%
177North Las VegasNV$1,066$2,399$3,732+7%
178MaconGA$1,066$2,399$3,731+7%
179NampaID$1,066$2,399$3,732+7%
180GainesvilleFL$1,067$2,401$3,734+7%
181AshevilleNC$1,067$2,401$3,734+7%
182BiloxiMS$1,069$2,405$3,741+7%
183PocatelloID$1,075$2,418$3,761+7%
184Great FallsMT$1,077$2,423$3,768+8%
185IthacaNY$1,082$2,435$3,788+8%
186RochesterNY$1,086$2,444$3,801+9%
187Daytona BeachFL$1,086$2,444$3,802+9%
188San Luis ObispoCA$1,088$2,448$3,807+9%
189MontgomeryAL$1,088$2,449$3,809+9%
190HendersonNV$1,090$2,452$3,814+9%
191WilmingtonDE$1,093$2,460$3,826+9%
192RiversideCA$1,094$2,461$3,828+9%
193FriscoTX$1,094$2,461$3,827+9%
194HartfordCT$1,094$2,462$3,829+9%
195DurhamNC$1,096$2,465$3,834+10%
196Coeur d'AleneID$1,096$2,466$3,836+10%
197Twin FallsID$1,098$2,471$3,843+10%
198PortlandME$1,104$2,485$3,865+10%
199DurangoCO$1,105$2,486$3,866+10%
200PortlandOR$1,105$2,487$3,868+11%
201Fort WorthTX$1,106$2,488$3,870+11%
202SpokaneWA$1,114$2,507$3,899+11%
203OxnardCA$1,116$2,511$3,906+12%
204Las VegasNV$1,117$2,514$3,910+12%
205ChesapeakeVA$1,117$2,514$3,910+12%
206HoustonTX$1,121$2,522$3,922+12%
207MinneapolisMN$1,122$2,524$3,925+12%
208FontanaCA$1,122$2,525$3,927+12%
209Saratoga SpringsNY$1,123$2,527$3,930+12%
210CasperWY$1,126$2,533$3,939+13%
211Virginia BeachVA$1,126$2,534$3,941+13%
212PhiladelphiaPA$1,130$2,542$3,953+13%
213BakersfieldCA$1,130$2,542$3,953+13%
214RenoNV$1,130$2,543$3,955+13%
215Salt Lake CityUT$1,132$2,548$3,963+13%
216PatersonNJ$1,134$2,552$3,970+13%
217Sandy SpringsGA$1,135$2,553$3,971+13%
218ProvoUT$1,135$2,554$3,972+14%
219PittsburghPA$1,136$2,556$3,976+14%
220ArlingtonTX$1,137$2,559$3,980+14%
221St. PaulMN$1,137$2,559$3,980+14%
222RichmondVA$1,145$2,576$4,006+14%
223Fort LauderdaleFL$1,150$2,588$4,025+15%
224PeoriaAZ$1,150$2,588$4,026+15%
225DoverDE$1,152$2,593$4,034+15%
226AtlantaGA$1,155$2,599$4,042+16%
227Palm SpringsCA$1,156$2,601$4,046+16%
228ChandlerAZ$1,159$2,607$4,055+16%
229VisaliaCA$1,159$2,608$4,057+16%
230SarasotaFL$1,160$2,610$4,060+16%
231CheyenneWY$1,163$2,618$4,072+16%
232ConcordCA$1,167$2,626$4,085+17%
233TampaFL$1,174$2,641$4,107+17%
234MidlandTX$1,175$2,644$4,112+18%
235Moreno ValleyCA$1,176$2,646$4,115+18%
236OlympiaWA$1,183$2,662$4,140+18%
237BuffaloNY$1,184$2,664$4,143+18%
238MedfordOR$1,187$2,670$4,153+19%
239Santa FeNM$1,187$2,671$4,155+19%
240MiamiFL$1,191$2,680$4,168+19%
241BendOR$1,191$2,681$4,170+19%
242HelenaMT$1,198$2,696$4,193+20%
243BellevueWA$1,201$2,702$4,202+20%
244GreeleyCO$1,204$2,709$4,214+20%
245Sugar LandTX$1,215$2,734$4,253+22%
246WarwickRI$1,216$2,735$4,254+22%
247AnchorageAK$1,217$2,739$4,260+22%
248AustinTX$1,219$2,743$4,267+22%
249AuroraCO$1,222$2,749$4,275+22%
250BridgeportCT$1,225$2,756$4,286+22%
251New BedfordMA$1,231$2,770$4,309+23%
252SacramentoCA$1,232$2,772$4,312+23%
253JuneauAK$1,233$2,775$4,316+23%
254ProvidenceRI$1,240$2,790$4,339+24%
255NashvilleTN$1,246$2,804$4,361+25%
256SavannahGA$1,246$2,804$4,361+25%
257NaplesFL$1,247$2,805$4,363+25%
258North CharlestonSC$1,252$2,817$4,382+25%
259Los AngelesCA$1,258$2,831$4,404+26%
260OceansideCA$1,263$2,842$4,421+26%
261SedonaAZ$1,267$2,851$4,435+27%
262ElizabethNJ$1,267$2,851$4,435+27%
263Santa RosaCA$1,267$2,852$4,436+27%
264Santa AnaCA$1,276$2,871$4,465+28%
265NewarkNJ$1,277$2,873$4,468+28%
266FlagstaffAZ$1,300$2,925$4,549+30%
267BaltimoreMD$1,303$2,932$4,560+30%
268ColumbiaMD$1,324$2,980$4,635+32%
269YonkersNY$1,328$2,987$4,646+33%
270WashingtonDC$1,341$3,018$4,694+34%
271RosevilleCA$1,342$3,020$4,698+34%
272Park CityUT$1,355$3,048$4,741+35%
273Santa CruzCA$1,361$3,062$4,762+36%
274SeattleWA$1,362$3,064$4,765+36%
275IrvineCA$1,364$3,069$4,774+36%
276Jersey CityNJ$1,370$3,083$4,795+37%
277BoulderCO$1,371$3,084$4,797+37%
278BurlingtonVT$1,397$3,143$4,889+40%
279JacksonWY$1,406$3,164$4,921+41%
280Simi ValleyCA$1,446$3,253$5,059+45%
281Huntington BeachCA$1,458$3,281$5,104+46%
282NapaCA$1,489$3,351$5,212+49%
283HonoluluHI$1,491$3,354$5,217+49%
284BostonMA$1,493$3,360$5,226+49%
285Long BeachCA$1,498$3,370$5,242+50%
286HaywardCA$1,527$3,437$5,346+53%
287StamfordCT$1,573$3,539$5,504+57%
288Santa BarbaraCA$1,597$3,594$5,590+60%
289AnaheimCA$1,604$3,609$5,614+60%
290Martha's VineyardMA$1,610$3,622$5,634+61%
291San DiegoCA$1,615$3,634$5,652+62%
292Key WestFL$1,615$3,635$5,654+62%
293AspenCO$1,618$3,642$5,665+62%
294OaklandCA$1,707$3,841$5,975+71%
295San FranciscoCA$1,719$3,868$6,017+72%
296CambridgeMA$1,761$3,962$6,162+76%
297New YorkNY$1,768$3,978$6,188+77%
298San JoseCA$1,782$4,009$6,236+78%
299VailCO$1,822$4,099$6,376+82%
300TellurideCO$1,843$4,147$6,450+84%
301SunnyvaleCA$1,858$4,180$6,501+86%

Frequently Asked Questions

How much does home insurance cost on average?

The national average for home insurance costs 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: May 2026.

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