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The Most and Least Expensive ZIP Codes for Home Insurance, from Insurance.com

The highest homeowners’ insurance rates in the nation belong to ZIP code 33070, home to…

  • April 25, 2020

The highest homeowners’ insurance rates in the nation belong to ZIP code 33070, home to Islamorada Village of Islands, on Plantation Key in Florida, according to Insurance.com’s analysis of average rates for nearly every ZIP code in the country.

ZIP codes in Louise, Texas and Mobile, Alabama rank second and third, respectively, according to Insurance.com, an independent consumer guide to insurance.

Homeowners can enter a ZIP code in Insurance.com’s average home insurance calculator to see the average premium for the location, as well as the highest and lowest rates from among six insurers.

You can get a customized rate by choosing from among 10 coverage levels, so you know what to expect to pay and can see how much you can save by comparing home insurance companies.

Home insurance companies consider many factors when setting rates. Chief among them are your home’s location, which reflects its exposure to hazards, such as storm damage, wild fires, burglaries and so on, your home’s value and the cost to rebuild it, as well as your credit history, in states that allow that practice.

“Rates can fluctuate significantly from state to state, or even neighborhood to neighborhood, depending on how insurers assess the various things they look at,” said Michelle Megna, editorial director of Insurance.com. “That’s why, regardless of where you live, if you don’t compare rates, you can wind up overpaying by hundreds, sometimes thousands, of dollars.”

Top 5 most expensive locations for home insurance rates are:

33070, Islamorada Village of Islands, Florida ($6,295 average annual rate)

77455, Louise, Texas ($5,911)

36619, Mobile, Alabama ($5,752)

73016, Cashion, Oklahoma, ($4,966)

67752, Quinter, Kansas ($4,666)

The 5 cheapest locations for home insurance are:

96859, Honolulu, Hawaii ($490)

93445, Oceano, California ($881)

05404, Winooski/Burlington, Vermont ($1,107)

20854, Potomac, Maryland ($1,144)

77514, Anahuac, Texas ($1,148)

Rankings for the priciest ZIP codes were determined by identifying the ZIP code with the highest average rate for home insurance in each state and then listing them in descending order.

For the cheapest ZIP codes, rankings were determined by identifying the ZIP code with the least expensive average rate for home insurance and then listing them in ascending order.

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