2024 Average Rates By Zip Code
September 17, 2024
You can now easily compare average homeowners insurance cost estimates by zip code. Enter your zip code to review average home insurance premiums in your area, most importantly, find cheaper and more affordable home insurance rates to help you save more on your policy.
The average cost of homeowners insurance in Florida is $2,400 per year, the national average cost of home insurance is around $1500 a year. Home insurance companies have several factors that determine the cost of property insurance coverage. Your property address location may be prone to high risk areas like flooding, windstorms and sinkholes. If your home is located in an area with extreme weather that may damage your home or if your home is located in a place where property crime is high, you will most likely pay more for home insurance coverage.
Top 10 Highest Rates By Zip Code
In Florida, not all homeowners pay the same premium. Some homeowners that live in very expensive areas or areas where hurricanes and flooding are common usually pay a much higher price for home insurance coverage. Below we have listed the top zip codes in Florid with the most expensive premiums.
| Zip Code | Average Premium | City | County |
|---|---|---|---|
| 33013 | $ 4,886 | HIALEAH | MIAMI-DADE |
| 33010 | $ 4,829 | HIALEAH | MIAMI-DADE |
| 33012 | $ 4,817 | HIALEAH | MIAMI-DADE |
| 33165 | $ 4,706 | MIAMI | MIAMI-DADE |
| 33014 | $ 4,700 | HIALEAH | MIAMI-DADE |
| 33178 | $ 4,654 | MIAMI | MIAMI-DADE |
| 33182 | $ 4,649 | MIAMI | MIAMI-DADE |
| 33172 | $ 4,636 | MIAMI | MIAMI-DADE |
| 33016 | $ 4,592 | HIALEAH | MIAMI-DADE |
| 33018 | $ 4,577 | HIALEAH | MIAMI-DADE |
Top 10 Lowest Rates By Zip Code
If you want cheaper homeowners insurance rates and want to live in Florida, here is your best option. Listed below are the zip codes in Florida that have the lowest rates on average for homeowners insurance.
| Zip Code | Average Premium | City | County |
|---|---|---|---|
| 32084 | $ 1,609 | SAINT AUGUSTINE | SAINT JOHNS |
| 32086 | $ 1,635 | SAINT AUGUSTINE | SAINT JOHNS |
| 32095 | $ 1,636 | SAINT AUGUSTINE | SAINT JOHNS |
| 34221 | $ 1,641 | PALMETTO | MANATEE |
| 34209 | $ 1,644 | BRADENTON | MANATEE |
| 32250 | $ 1,666 | JACKSONVILLE BEACH | DUVAL |
| 32233 | $ 1,677 | ATLANTIC BEACH | DUVAL |
| 32169 | $ 1,691 | NEW SMYRNA BEACH | VOLUSIA |
| 34275 | $ 1,701 | NOKOMIS | SARASOTA |
| 34292 | $ 1,706 | VENICE | SARASOTA |
