Most Affordable ZIPs for Homeowners Insurance
Find the 20 cheapest ZIP codes for homeowners insurance in any state. See how much you could save compared to the state average. Data from NAIC and state insurance department filings, covering all 50 states; see our methodology.
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Select a State
Choose a state to find the 20 most affordable ZIP codes for homeowners insurance based on Treasury FIO data (2018-2022).
Frequently Asked Questions
How are affordable ZIPs identified? ▼
ZIPs are ranked by average annual homeowners insurance premium from lowest to highest within the selected state. Data comes from the Treasury Federal Insurance Office (FIO) ZIP-level insurance dataset covering 2018-2022.
What does the savings column show? ▼
The savings column shows how much less the ZIP code's average premium is compared to the state average. For example, "$500 savings" means homeowners in that ZIP pay approximately $500 less per year than the state average.
Are these the actual premiums I would pay? ▼
These are average premiums across all policies in each ZIP code. Your actual premium depends on your home's value, age, construction, coverage level, claims history, and insurer. Use these as relative comparisons, not exact quotes.
Why do insurance costs vary so much by ZIP code? ▼
Insurance premiums reflect local risk factors including natural disaster exposure (hurricanes, floods, wildfires), crime rates, proximity to fire stations, building costs, and historical claims frequency in the area.
What is the data source? ▼
All data comes from the U.S. Department of Treasury Federal Insurance Office (FIO) homeowners insurance dataset. It covers ZIP-level premium, loss ratio, and claims data from 2018 through 2022.
Data: U.S. Department of Treasury Federal Insurance Office (FIO), ZIP-level homeowners insurance data, 2018-2022. Premiums are averages and may not reflect individual quotes.