New Report from Names the Most and Least Costly ZIP Codes for Home Insurance

Foster City, CA – April 6, 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'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, an independent consumer guide to insurance.

Homeowners can enter a ZIP code in’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 “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:

ZIP CodeStateCity/TownAverage Annual Rate
33070FloridaIslamorada Village of Islands$6,295

The 5 cheapest locations for home insurance are:

ZIP CodeStateCity/TownAverage Annual Rate

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.

For the full insurance guide, survey results and expert tips, you can read an overview here, entitled Average Home Insurance Rates.

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