Rating

Low Home Insurance Cost

Scale56-100

Graded like school, from F (56) to A+ (100). Higher is better.

About This Ranking

Goal

Highlight places where homeowners paid less for standard homeowners insurance in 2022, averaged over the local ZIP codes.

Sources

2 sources

2018 to 2022 policy years; released January 2025

Data: Average premium per policy, claim frequency, and nonrenewal rate for standard HO-3 and HO-5 policies on owner-occupied homes, by ZIP code, from the NAIC data call behind the office's January 2025 report.
What it tells us: Shows what local homeowners paid for standard coverage in 2022, not a quote for a particular home or today's rates.

2020 geography; 2020-2024 estimates

Data: The ZIP Code Tabulation Areas that make up each place, weighted by 2020-2024 ACS owner-occupied homes in each, apportioned by land area.
What it tells us: Estimates how a place's homes split across its ZIP codes, assuming homes spread evenly within each ZIP.

Town ratings for this score are part of Move Where Premium.

Premium lets you see each town’s Low Home Insurance Cost rating, add it to your priorities, and sort and filter places by it.

Already subscribed? Add it as a priority in your workspace.

Part of the True Cost pack, with