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Average cost of home insurance in Florida's largest cities
Jacksonville
How much is home insurance in Jacksonville, FL?
The average cost of homeowners insurance in Jacksonville is $2,273 per year for a policy with $350,000 of dwelling coverage. Security First has the cheapest home insurance in Jacksonville, at around $1,145 per year.
Company | Annual rate | |
|---|---|---|
| Security First | $1,145 | |
| Tower Hill | $1,343 | |
| People's Trust | $1,763 |
| Heritage | $1,805 | |
| Citizens | $1,858 | |
| Progressive | $1,875 | |
| State Farm | $1,968 | |
| Allstate | $2,382 | |
| Homeowner's Choice | $2,728 |
| Universal | $2,925 |
| Nationwide | $6,743 | |
Rates are for a policy with $350,000 of dwelling coverage.
Miami
How much is home insurance in Miami?
Homeowners insurance in Miami costs an average of $3,886 per year. Security First has the most affordable home insurance in Miami, at around $1,303 per year.
Company | Annual rate | |
|---|---|---|
| Security First | $1,303 | |
| State Farm | $1,968 | |
|
| People's Trust | $2,100 |
| Tower Hill | $3,019 | |
| Allstate | $3,186 | |
| Nationwide | $3,844 | |
| Citizens | $4,147 | |
|
| Universal | $4,730 |
| Heritage | $5,511 | |
| Progressive | $6,786 | |
|
| Homeowner's Choice | $8,792 |
Rates are for a policy with $350,000 of dwelling coverage.
Orlando
How much is homeowners insurance in Orlando?
Home insurance in Orlando costs $3,088 per year, on average. Security First has the cheapest rates in Orlando, at around $1,112 per year.
Company | Annual rate | |
|---|---|---|
| Security First | $1,112 | |
| Tower Hill | $1,739 | |
| State Farm | $1,968 | |
|
| People's Trust | $2,472 |
| Citizens | $2,693 | |
| Progressive | $2,714 | |
| Allstate | $3,064 | |
|
| Homeowner's Choice | $3,810 |
| Heritage | $4,358 | |
|
| Universal | $5,889 |
| Nationwide | $6,304 | |
Rates are for a policy with $350,000 of dwelling coverage.
Tampa
How much is homeowners insurance in Tampa?
The average price of home insurance in Tampa is $2,554 per year. Security First typically has the cheapest rates in Tampa, at $742 per year, on average.
Company | Annual rate | |
|---|---|---|
| Security First | $742 | |
| Tower Hill | $1,814 | |
|
| People's Trust | $1,861 |
| State Farm | $1,968 | |
| Citizens | $2,044 | |
| Progressive | $2,557 | |
| Heritage | $2,803 | |
| Allstate | $3,249 | |
|
| Universal | $3,718 |
|
| Homeowner's Choice | $4,083 |
| Nationwide | $4,457 | |
Rates are for a policy with $350,000 of dwelling coverage.
Florida home insurance cost by city
Callaway, a suburb of Panama City, has the cheapest home insurance rates in Florida.
Homeowners in Callaway pay an average of $1,823 per year, which is 32% cheaper than the state average.
Hialeah, a city in Miami-Dade County, has the most expensive quotes, at $4,639 per year. That's nearly twice the Florida average. This is likely in part because of the higher tropical storm and hurricane risk in Miami-Dade.
Security First has the cheapest home insurance quotes in 85% of cities and towns across Florida. Progressive is the cheapest company in 12% of cities, many of which are in the Florida Panhandle and Big Bend region.
Find Cheap Home Insurance Quotes in Florida
Florida homeowners insurance quotes by city
City | Average rate | Cheapest company | Cheapest rate |
|---|---|---|---|
| Alachua | $2,106 | Progressive | $803 |
| Alafaya | $3,117 | Security First | $1,073 |
| Alford | $2,312 | Security First | $977 |
| Allentown | $2,091 | Progressive | $275 |
| Altamonte Springs | $2,778 | Security First | $1,073 |
| Altha | $2,230 | Progressive | $731 |
| Altoona | $2,215 | Security First | $683 |
| Alturas | $2,553 | Security First | $777 |
| Alva | $2,374 | Security First | $668 |
| Andrews | $2,429 | Progressive | $585 |
| Anna Maria | $2,115 | Security First | $589 |
| Anthony | $2,120 | Security First | $977 |
| Apalachicola | $2,209 | Progressive | $598 |
| Apollo Beach | $2,541 | Security First | $589 |
| Apopka | $3,104 | Security First | $1,073 |
| Arcadia | $2,150 | Security First | $704 |
| Archer | $2,217 | Progressive | $751 |
| Argyle | $2,066 | Progressive | $345 |
| Aripeka | $2,137 | Security First | $589 |
| Asbury Lake | $2,138 | Security First | $977 |
| Astatula | $2,315 | Security First | $777 |
| Astor | $2,314 | Security First | $777 |
| Atlantic Beach | $2,140 | Security First | $958 |
| Atlantis | $2,735 | Security First | $564 |
| Auburndale | $2,544 | Security First | $777 |
| Aventura | $3,932 | Security First | $1,248 |
| Avon Park | $2,353 | Security First | $777 |
| Azalea Park | $3,124 | Security First | $1,073 |
| Babson Park | $2,557 | Security First | $777 |
| Bagdad | $2,197 | Security First | $835 |
| Baker | $2,023 | Progressive | $614 |
| Bal Harbour | $3,599 | Security First | $1,248 |
| Baldwin | $2,433 | Tower Hill | $1,281 |
| Balm | $2,463 | Security First | $589 |
| Barberville | $2,235 | Security First | $777 |
| Bardmoor | $1,999 | Security First | $589 |
| Bartow | $2,548 | Security First | $777 |
| Bascom | $2,312 | Security First | $977 |
| Bay Harbor Islands | $3,599 | Security First | $1,248 |
| Bay Hill | $3,108 | Security First | $1,073 |
| Bay Lake | $3,087 | Security First | $1,073 |
| Bay Pines | $1,884 | Security First | $589 |
| Bayonet Point | $2,074 | Security First | $650 |
| Bayshore Gardens | $1,897 | Security First | $589 |
| Beacon Square | $2,120 | Security First | $712 |
| Bear Creek | $1,880 | Security First | $589 |
| Bee Ridge | $1,983 | Security First | $589 |
| Bell | $2,348 | Progressive | $939 |
| Bellair-Meadowbrook Terrace | $2,156 | Security First | $958 |
| Belle Glade | $2,710 | Security First | $564 |
| Belle Isle | $3,117 | Security First | $1,073 |
| Belleair | $2,063 | Security First | $589 |
Rates are for a policy with $350,000 of dwelling coverage.
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