Insurance Cost Rankings
Pre-computed rankings from U.S. Treasury FIO data (2018-2022). Jump to any section to see the top ZIP codes and states across key insurance metrics. According to the Federal Insurance Office, premiums and claims are reported by the largest U.S. homeowners insurers, covering all 50 states plus D.C. See our methodology for how each ranking is calculated.
The spread
Across 25,000+ ZIP codes, the most expensive cost roughly 72× the cheapest - $40,719/yr versus $565/yr.
- $40,719
- priciest ZIP (33480)
- $565
- cheapest ZIP (85141)
- 72×
- spread, top vs bottom
- Florida
- most expensive state
Every ranking is recomputed from the underlying Treasury FIO ZIP-level data.
Most expensive states by average homeowners premium
Most Expensive ZIP Codes
ZIP codes with the highest average homeowners insurance premiums in 2022.
| Rank | ZIP Code | Location | Value |
|---|---|---|---|
| #1 | 33480 | Palm Beach, FL | $40,719/yr |
| #2 | 33140 | Miami Beach, FL | $34,055/yr |
| #3 | 31561 | Sea Island, GA | $25,848/yr |
| #4 | 33316 | Fort Lauderdale, FL | $24,366/yr |
| #5 | 34102 | Naples, FL | $23,927/yr |
| #6 | 33141 | Miami Beach, FL | $23,306/yr |
| #7 | 33462 | Lake Worth, FL | $23,271/yr |
| #8 | 11962 | Sagaponack, NY | $22,974/yr |
| #9 | 33408 | North Palm Beach, FL | $22,223/yr |
| #10 | 33455 | Hobe Sound, FL | $22,109/yr |
| #11 | 32963 | Vero Beach, FL | $22,107/yr |
| #12 | 33156 | Miami, FL | $21,818/yr |
| #13 | 33483 | Delray Beach, FL | $21,807/yr |
| #14 | 33143 | Miami, FL | $20,377/yr |
| #15 | 32561 | Gulf Breeze, FL | $19,891/yr |
| #16 | 11976 | Water Mill, NY | $19,340/yr |
| #17 | 33158 | Miami, FL | $18,684/yr |
| #18 | 10021 | New York, NY | $18,597/yr |
| #19 | 33301 | Fort Lauderdale, FL | $18,274/yr |
| #20 | 11932 | Bridgehampton, NY | $17,929/yr |
| #21 | 33432 | Boca Raton, FL | $17,430/yr |
| #22 | 10014 | New York, NY | $16,786/yr |
| #23 | 33146 | Miami, FL | $16,565/yr |
| #24 | 34228 | Longboat Key, FL | $16,387/yr |
| #25 | 33133 | Miami, FL | $16,296/yr |
| #26 | 02554 | Nantucket, MA | $16,084/yr |
| #27 | 33477 | Jupiter, FL | $15,997/yr |
| #28 | 10128 | New York, NY | $15,848/yr |
| #29 | 10075 | New York, NY | $15,663/yr |
| #30 | 06390 | Fishers Island, NY | $15,382/yr |
| #31 | 33062 | Pompano Beach, FL | $15,346/yr |
| #32 | 10065 | New York, NY | $15,332/yr |
| #33 | 02564 | Siasconset, MA | $15,191/yr |
| #34 | 02535 | Chilmark, MA | $14,909/yr |
| #35 | 11975 | Wainscott, NY | $14,865/yr |
| #36 | 33308 | Fort Lauderdale, FL | $14,813/yr |
| #37 | 33715 | Saint Petersburg, FL | $14,639/yr |
| #38 | 29401 | Charleston, SC | $14,548/yr |
| #39 | 10011 | New York, NY | $14,334/yr |
| #40 | 11765 | Mill Neck, NY | $14,308/yr |
| #41 | 34242 | Sarasota, FL | $14,228/yr |
| #42 | 33304 | Fort Lauderdale, FL | $14,108/yr |
| #43 | 33487 | Boca Raton, FL | $14,049/yr |
| #44 | 10028 | New York, NY | $14,005/yr |
| #45 | 33306 | Fort Lauderdale, FL | $13,900/yr |
| #46 | 33957 | Sanibel, FL | $13,752/yr |
| #47 | 33435 | Boynton Beach, FL | $13,667/yr |
| #48 | 29482 | Sullivans Island, SC | $13,528/yr |
| #49 | 34103 | Naples, FL | $13,359/yr |
| #50 | 33305 | Fort Lauderdale, FL | $13,197/yr |
#1 (Palm Beach, $40,719/yr) is 26.2× the national ZIP-level median premium ($1,551/yr). The 90th-percentile ZIP nationally pays $2,566/yr, so most of this top-50 list sits above even that threshold.
Most Affordable ZIP Codes
ZIP codes with the lowest average homeowners insurance premiums in 2022.
| Rank | ZIP Code | Location | Value |
|---|---|---|---|
| #1 | 85141 | Picacho, AZ | $565/yr |
| #2 | 89034 | $632/yr | |
| #3 | 48630 | Houghton Lake Heights, MI | $669/yr |
| #4 | 85336 | Gadsden, AZ | $698/yr |
| #5 | 85356 | Wellton, AZ | $708/yr |
| #6 | 18056 | Hereford, PA | $712/yr |
| #7 | 85346 | Quartzsite, AZ | $722/yr |
| #8 | 14884 | Swain, NY | $723/yr |
| #9 | 17850 | Montandon, PA | $723/yr |
| #10 | 85120 | Apache Junction, AZ | $725/yr |
| #11 | 17729 | Cross Fork, PA | $725/yr |
| #12 | 16228 | Ford Cliff, PA | $738/yr |
| #13 | 15827 | Byrnedale, PA | $739/yr |
| #14 | 85614 | Green Valley, AZ | $741/yr |
| #15 | 13211 | Syracuse, NY | $745/yr |
| #16 | 15951 | Saint Michael, PA | $746/yr |
| #17 | 17721 | Avis, PA | $748/yr |
| #18 | 15861 | Sinnamahoning, PA | $751/yr |
| #19 | 17748 | Mc Elhattan, PA | $756/yr |
| #20 | 14623 | Rochester, NY | $758/yr |
| #21 | 15832 | Driftwood, PA | $758/yr |
| #22 | 14720 | Celoron, NY | $758/yr |
| #23 | 89018 | Indian Springs, NV | $759/yr |
| #24 | 28553 | Marshallberg, NC | $761/yr |
| #25 | 14904 | Elmira, NY | $762/yr |
| #26 | 48627 | Higgins Lake, MI | $766/yr |
| #27 | 85348 | Salome, AZ | $768/yr |
| #28 | 85367 | Yuma, AZ | $768/yr |
| #29 | 17009 | Burnham, PA | $775/yr |
| #30 | 28511 | Atlantic, NC | $778/yr |
| #31 | 28524 | Davis, NC | $779/yr |
| #32 | 16874 | Snow Shoe, PA | $779/yr |
| #33 | 89046 | Searchlight, NV | $780/yr |
| #34 | 14126 | Olcott, NY | $781/yr |
| #35 | 17086 | Richfield, PA | $782/yr |
| #36 | 14823 | Canisteo, NY | $782/yr |
| #37 | 15661 | Loyalhanna, PA | $783/yr |
| #38 | 15952 | Salix, PA | $784/yr |
| #39 | 17876 | Shamokin Dam, PA | $784/yr |
| #40 | 17344 | Mc Sherrystown, PA | $785/yr |
| #41 | 15821 | Benezett, PA | $785/yr |
| #42 | 14425 | Farmington, NY | $785/yr |
| #43 | 15930 | Dunlo, PA | $785/yr |
| #44 | 28531 | Harkers Island, NC | $786/yr |
| #45 | 15938 | Lilly, PA | $788/yr |
| #46 | 18234 | Lattimer Mines, PA | $788/yr |
| #47 | 13863 | Willet, NY | $789/yr |
| #48 | 16239 | Marienville, PA | $789/yr |
| #49 | 14445 | East Rochester, NY | $790/yr |
| #50 | 14606 | Rochester, NY | $790/yr |
#1 (Picacho, $565/yr) is a fraction of the national ZIP-level median premium ($1,551/yr). The 10th-percentile ZIP nationally pays $1,036/yr, for context on how unusually low this list runs.
Biggest Premium Increases
ZIP codes where premiums rose the most from 2018 to 2022 (percentage change).
| Rank | ZIP Code | Location | Value |
|---|---|---|---|
| #1 | 95454 | Laytonville, CA | +105.7% |
| #2 | 89109 | Las Vegas, NV | +96.8% |
| #3 | 91759 | Mt Baldy, CA | +90.6% |
| #4 | 95225 | Burson, CA | +89.1% |
| #5 | 96065 | Montgomery Creek, CA | +83.4% |
| #6 | 92060 | Palomar Mountain, CA | +81.4% |
| #7 | 95466 | Philo, CA | +77.9% |
| #8 | 96016 | Cassel, CA | +77.5% |
| #9 | 96096 | Whitmore, CA | +76.2% |
| #10 | 78701 | Austin, TX | +76.1% |
| #11 | 96059 | Manton, CA | +75.0% |
| #12 | 96039 | Happy Camp, CA | +74.6% |
| #13 | 95979 | Stonyford, CA | +74.5% |
| #14 | 96061 | Mill Creek, CA | +74.1% |
| #15 | 96047 | Igo, CA | +73.9% |
| #16 | 95467 | Hidden Valley Lake, CA | +73.8% |
| #17 | 95461 | Middletown, CA | +73.5% |
| #18 | 10065 | New York, NY | +73.5% |
| #19 | 95490 | Willits, CA | +73.3% |
| #20 | 95971 | Quincy, CA | +72.7% |
| #21 | 96017 | Castella, CA | +72.1% |
| #22 | 95947 | Greenville, CA | +70.9% |
| #23 | 95426 | Cobb, CA | +70.8% |
| #24 | 95421 | Cazadero, CA | +70.5% |
| #25 | 95252 | Valley Springs, CA | +68.0% |
| #26 | 95573 | Willow Creek, CA | +67.9% |
| #27 | 95469 | Potter Valley, CA | +67.7% |
| #28 | 95956 | Meadow Valley, CA | +67.5% |
| #29 | 96124 | Calpine, CA | +66.7% |
| #30 | 95546 | Hoopa, CA | +66.6% |
| #31 | 96118 | Loyalton, CA | +66.5% |
| #32 | 96058 | Macdoel, CA | +66.5% |
| #33 | 95669 | Plymouth, CA | +66.3% |
| #34 | 95543 | Gasquet, CA | +66.0% |
| #35 | 93641 | Miramonte, CA | +65.8% |
| #36 | 96050 | Klamath River, CA | +65.7% |
| #37 | 96071 | Old Station, CA | +65.6% |
| #38 | 95494 | Yorkville, CA | +65.5% |
| #39 | 95721 | Echo Lake, CA | +65.2% |
| #40 | 95254 | Wallace, CA | +65.1% |
| #41 | 96033 | French Gulch, CA | +65.0% |
| #42 | 96040 | Hat Creek, CA | +64.9% |
| #43 | 95470 | Redwood Valley, CA | +64.9% |
| #44 | 95471 | Rio Nido, CA | +64.3% |
| #45 | 85256 | Scottsdale, AZ | +64.2% |
| #46 | 93653 | Raymond, CA | +63.6% |
| #47 | 95983 | Taylorsville, CA | +63.5% |
| #48 | 96032 | Fort Jones, CA | +63.3% |
| #49 | 95222 | Angels Camp, CA | +63.2% |
| #50 | 96022 | Cottonwood, CA | +62.8% |
#1 (Laytonville, +105.7%) rose far faster than the national average premium change of +6.5% over the same 2018-2022 period. A single ZIP's swing can reflect a small policy base rather than a broad market shift.
Biggest Premium Decreases
ZIP codes where premiums fell the most from 2018 to 2022 (percentage change).
| Rank | ZIP Code | Location | Value |
|---|---|---|---|
| #1 | 33853 | Lake Wales, FL | -53.3% |
| #2 | 34654 | New Port Richey, FL | -51.3% |
| #3 | 33898 | Lake Wales, FL | -50.4% |
| #4 | 33922 | Bokeelia, FL | -50.2% |
| #5 | 34601 | Brooksville, FL | -48.8% |
| #6 | 34610 | Spring Hill, FL | -47.0% |
| #7 | 33187 | Miami, FL | -44.3% |
| #8 | 33576 | San Antonio, FL | -43.3% |
| #9 | 34655 | New Port Richey, FL | -43.3% |
| #10 | 33870 | Sebring, FL | -43.2% |
| #11 | 33523 | Dade City, FL | -42.8% |
| #12 | 33050 | Marathon, FL | -41.4% |
| #13 | 33543 | Wesley Chapel, FL | -40.9% |
| #14 | 33859 | Lake Wales, FL | -40.7% |
| #15 | 34638 | Land O Lakes, FL | -40.6% |
| #16 | 33565 | Plant City, FL | -40.5% |
| #17 | 33844 | Haines City, FL | -40.3% |
| #18 | 32686 | Reddick, FL | -39.7% |
| #19 | 33541 | Zephyrhills, FL | -38.9% |
| #20 | 85336 | Gadsden, AZ | -38.9% |
| #21 | 33982 | Punta Gorda, FL | -38.7% |
| #22 | 34788 | Leesburg, FL | -38.5% |
| #23 | 33912 | Fort Myers, FL | -38.1% |
| #24 | 33993 | Cape Coral, FL | -37.8% |
| #25 | 34984 | Port Saint Lucie, FL | -37.7% |
| #26 | 34221 | Palmetto, FL | -37.2% |
| #27 | 33525 | Dade City, FL | -37.2% |
| #28 | 32124 | Daytona Beach, FL | -36.6% |
| #29 | 34748 | Leesburg, FL | -36.5% |
| #30 | 33860 | Mulberry, FL | -36.3% |
| #31 | 33917 | North Fort Myers, FL | -35.7% |
| #32 | 77650 | Port Bolivar, TX | -35.3% |
| #33 | 33545 | Wesley Chapel, FL | -34.6% |
| #34 | 33875 | Sebring, FL | -34.4% |
| #35 | 34756 | Montverde, FL | -34.3% |
| #36 | 33830 | Bartow, FL | -34.3% |
| #37 | 33880 | Winter Haven, FL | -34.3% |
| #38 | 33884 | Winter Haven, FL | -33.7% |
| #39 | 33881 | Winter Haven, FL | -33.3% |
| #40 | 33872 | Sebring, FL | -32.9% |
| #41 | 32179 | Ocklawaha, FL | -32.3% |
| #42 | 33903 | North Fort Myers, FL | -32.2% |
| #43 | 32608 | Gainesville, FL | -32.2% |
| #44 | 33823 | Auburndale, FL | -32.1% |
| #45 | 34480 | Ocala, FL | -32.0% |
| #46 | 33556 | Odessa, FL | -31.9% |
| #47 | 23899 | Claremont, VA | -31.9% |
| #48 | 32778 | Tavares, FL | -31.8% |
| #49 | 33544 | Wesley Chapel, FL | -31.6% |
| #50 | 32784 | Umatilla, FL | -31.3% |
#1 (Lake Wales, -53.3%) moved opposite the national trend - premiums rose +6.5% on average nationally over 2018-2022, so a ZIP-level decrease this large is the exception, not the rule.
Highest Loss Ratios
ZIP codes where insurers paid out the most in claims relative to premiums earned (2022). Limited to ZIP codes with at least 1,000 residents so a single large claim in a sparsely populated area can't dominate the list.
| Rank | ZIP Code | Location | Value |
|---|---|---|---|
| #1 | 15477 | Roscoe, PA | 1525.9% |
| #2 | 15419 | California, PA | 1069.8% |
| #3 | 55109 | Saint Paul, MN | 580.7% |
| #4 | 33990 | Cape Coral, FL | 567.0% |
| #5 | 68105 | Omaha, NE | 510.4% |
| #6 | 68106 | Omaha, NE | 447.5% |
| #7 | 33904 | Cape Coral, FL | 443.8% |
| #8 | 68107 | Omaha, NE | 441.0% |
| #9 | 94102 | San Francisco, CA | 401.8% |
| #10 | 48933 | Lansing, MI | 364.9% |
| #11 | 55119 | Saint Paul, MN | 358.0% |
| #12 | 55125 | Saint Paul, MN | 357.1% |
| #13 | 55090 | Willernie, MN | 304.6% |
| #14 | 68108 | Omaha, NE | 291.9% |
| #15 | 33919 | Fort Myers, FL | 287.7% |
| #16 | 92677 | Laguna Niguel, CA | 284.8% |
| #17 | 33907 | Fort Myers, FL | 273.9% |
| #18 | 55106 | Saint Paul, MN | 258.5% |
| #19 | 55117 | Saint Paul, MN | 244.3% |
| #20 | 19733 | Saint Georges, DE | 231.8% |
| #21 | 19075 | Oreland, PA | 222.1% |
| #22 | 55130 | Saint Paul, MN | 220.9% |
| #23 | 95405 | Santa Rosa, CA | 217.6% |
| #24 | 89169 | Las Vegas, NV | 204.2% |
| #25 | 15363 | Strabane, PA | 202.3% |
| #26 | 10016 | New York, NY | 201.8% |
| #27 | 78664 | Round Rock, TX | 201.6% |
| #28 | 68124 | Omaha, NE | 201.1% |
| #29 | 55103 | Saint Paul, MN | 199.0% |
| #30 | 55108 | Saint Paul, MN | 196.3% |
| #31 | 93721 | Fresno, CA | 195.8% |
| #32 | 55124 | Saint Paul, MN | 194.1% |
| #33 | 08090 | Wenonah, NJ | 191.5% |
| #34 | 34668 | Port Richey, FL | 187.5% |
| #35 | 78701 | Austin, TX | 187.0% |
| #36 | 91605 | North Hollywood, CA | 179.8% |
| #37 | 68127 | Omaha, NE | 178.2% |
| #38 | 07606 | South Hackensack, NJ | 176.1% |
| #39 | 91205 | Glendale, CA | 176.0% |
| #40 | 90746 | Carson, CA | 168.8% |
| #41 | 95444 | Graton, CA | 165.5% |
| #42 | 33967 | Fort Myers, FL | 163.9% |
| #43 | 52402 | Cedar Rapids, IA | 163.8% |
| #44 | 50315 | Des Moines, IA | 162.7% |
| #45 | 10021 | New York, NY | 161.0% |
| #46 | 02120 | Roxbury Crossing, MA | 160.8% |
| #47 | 92617 | Irvine, CA | 159.2% |
| #48 | 50324 | Windsor Heights, IA | 158.1% |
| #49 | 85363 | Youngtown, AZ | 155.2% |
| #50 | 91204 | Glendale, CA | 150.0% |
#1 (Roscoe, 1525.9%) is still a small-sample area relative to major metros; a handful of large claims can move a loss ratio sharply from one year to the next. For context, the median loss ratio among ZIP codes at or above the population floor is 43.4%.
Highest Nonrenewal Rates
ZIP codes where insurers declined to renew the most policies (2022). High nonrenewal rates may indicate insurer risk concerns. Limited to ZIP codes with at least 1,000 residents so a single-digit-population ZIP can't dominate the list.
| Rank | ZIP Code | Location | Value |
|---|---|---|---|
| #1 | 70125 | New Orleans, LA | 9.9% |
| #2 | 70130 | New Orleans, LA | 8.4% |
| #3 | 70119 | New Orleans, LA | 7.9% |
| #4 | 70122 | New Orleans, LA | 7.7% |
| #5 | 29403 | Charleston, SC | 7.7% |
| #6 | 70117 | New Orleans, LA | 7.3% |
| #7 | 23704 | Portsmouth, VA | 7.1% |
| #8 | 70115 | New Orleans, LA | 7.0% |
| #9 | 70116 | New Orleans, LA | 6.9% |
| #10 | 23523 | Norfolk, VA | 6.8% |
| #11 | 70003 | Metairie, LA | 6.7% |
| #12 | 90046 | Los Angeles, CA | 6.5% |
| #13 | 23669 | Hampton, VA | 6.5% |
| #14 | 70005 | Metairie, LA | 6.5% |
| #15 | 70118 | New Orleans, LA | 6.3% |
| #16 | 70001 | Metairie, LA | 6.2% |
| #17 | 23663 | Hampton, VA | 6.1% |
| #18 | 70006 | Metairie, LA | 6.0% |
| #19 | 23513 | Norfolk, VA | 5.9% |
| #20 | 28212 | Charlotte, NC | 5.9% |
| #21 | 28213 | Charlotte, NC | 5.8% |
| #22 | 70113 | New Orleans, LA | 5.7% |
| #23 | 70002 | Metairie, LA | 5.7% |
| #24 | 94611 | Oakland, CA | 5.5% |
| #25 | 23505 | Norfolk, VA | 5.4% |
| #26 | 23707 | Portsmouth, VA | 5.4% |
| #27 | 23462 | Virginia Beach, VA | 5.4% |
| #28 | 70114 | New Orleans, LA | 5.2% |
| #29 | 23453 | Virginia Beach, VA | 5.2% |
| #30 | 23702 | Portsmouth, VA | 5.2% |
| #31 | 23605 | Newport News, VA | 5.1% |
| #32 | 90401 | Santa Monica, CA | 5.1% |
| #33 | 70121 | New Orleans, LA | 5.1% |
| #34 | 23504 | Norfolk, VA | 4.9% |
| #35 | 23324 | Chesapeake, VA | 4.8% |
| #36 | 23661 | Hampton, VA | 4.7% |
| #37 | 23503 | Norfolk, VA | 4.7% |
| #38 | 23518 | Norfolk, VA | 4.6% |
| #39 | 23452 | Virginia Beach, VA | 4.6% |
| #40 | 70065 | Kenner, LA | 4.5% |
| #41 | 23701 | Portsmouth, VA | 4.4% |
| #42 | 23509 | Norfolk, VA | 4.4% |
| #43 | 23508 | Norfolk, VA | 4.4% |
| #44 | 10003 | New York, NY | 4.1% |
| #45 | 28205 | Charlotte, NC | 3.9% |
| #46 | 48128 | Dearborn, MI | 3.9% |
| #47 | 23325 | Chesapeake, VA | 3.9% |
| #48 | 48212 | Hamtramck, MI | 3.8% |
| #49 | 23455 | Virginia Beach, VA | 3.8% |
| #50 | 70123 | New Orleans, LA | 3.8% |
#1 (New Orleans, 9.9%) still reflects a relatively small policy base; a handful of nonrenewals can move the rate sharply. For context, the median nonrenewal rate among ZIP codes at or above the population floor is 0.9%.
Most Expensive States
States with the highest average homeowners insurance premiums.
| Rank | State | Location | Value |
|---|---|---|---|
| #1 | Florida | $4,870/yr | |
| #2 | Oklahoma | $2,622/yr | |
| #3 | Colorado | $2,591/yr | |
| #4 | Louisiana | $2,539/yr | |
| #5 | Nebraska | $2,473/yr | |
| #6 | Kansas | $2,350/yr | |
| #7 | Texas | $2,349/yr | |
| #8 | Massachusetts | $2,294/yr | |
| #9 | Rhode Island | $2,292/yr | |
| #10 | Connecticut | $2,258/yr | |
| #11 | Hawaii | $2,130/yr | |
| #12 | Missouri | $2,056/yr | |
| #13 | District of Columbia | $1,991/yr | |
| #14 | Mississippi | $1,976/yr | |
| #15 | North Dakota | $1,954/yr | |
| #16 | Montana | $1,945/yr | |
| #17 | Alabama | $1,931/yr | |
| #18 | Minnesota | $1,928/yr | |
| #19 | Wyoming | $1,902/yr | |
| #20 | New York | $1,896/yr | |
| #21 | California | $1,864/yr | |
| #22 | New Jersey | $1,858/yr | |
| #23 | South Dakota | $1,854/yr | |
| #24 | Georgia | $1,769/yr | |
| #25 | South Carolina | $1,765/yr |
#1 (Florida, $4,870/yr) runs well above the national ZIP-level median premium ($1,551/yr); a state-level average still blends lower- and higher-cost ZIP codes within its own borders.
Most Affordable States
States with the lowest average homeowners insurance premiums.
| Rank | State | Location | Value |
|---|---|---|---|
| #1 | Pennsylvania | $1,131/yr | |
| #2 | Utah | $1,132/yr | |
| #3 | West Virginia | $1,167/yr | |
| #4 | Oregon | $1,199/yr | |
| #5 | Wisconsin | $1,224/yr | |
| #6 | Arizona | $1,226/yr | |
| #7 | Michigan | $1,233/yr | |
| #8 | Delaware | $1,252/yr | |
| #9 | Nevada | $1,253/yr | |
| #10 | Ohio | $1,263/yr | |
| #11 | Alaska | $1,288/yr | |
| #12 | Maine | $1,294/yr | |
| #13 | Vermont | $1,309/yr | |
| #14 | Idaho | $1,321/yr | |
| #15 | Virginia | $1,369/yr | |
| #16 | North Carolina | $1,379/yr | |
| #17 | Washington | $1,384/yr | |
| #18 | New Hampshire | $1,428/yr | |
| #19 | Indiana | $1,481/yr | |
| #20 | Kentucky | $1,557/yr | |
| #21 | New Mexico | $1,577/yr | |
| #22 | Maryland | $1,627/yr | |
| #23 | Iowa | $1,629/yr | |
| #24 | Illinois | $1,631/yr | |
| #25 | Tennessee | $1,728/yr |
#1 (Pennsylvania, $1,131/yr) sits well below the national ZIP-level median premium ($1,551/yr); a state-level average still blends lower- and higher-cost ZIP codes within its own borders.
Data: U.S. Treasury Federal Insurance Office, 2018-2022. Rankings based on ZIP-level averages. Loss ratio = claims paid / premiums earned. Nonrenewal rate = policies not renewed by insurer / total policies.
Every figure on PlainInsure is rendered directly from U.S. Treasury Federal Insurance Office data, no number is typed in by an editor. This page draws directly on U.S. Treasury FIO data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.