Free insurance cost comparison data for every state and 700+ cities
InsuranceCostCity exists to bring transparency to insurance costs across the United States. Insurance premiums vary by up to 300% depending on where you live, yet most people have no idea what their neighbors — let alone residents of other states — pay for the same coverage. We believe this information should be free, accessible, and easy to understand.
Whether you're buying your first home, evaluating a job relocation, investing in rental property, or simply wondering if you're paying too much for insurance, our tools and data help you make informed decisions backed by real numbers.
50-state insurance cost data — Average annual premiums for homeowners, renters, auto, and landlord insurance across all 50 states, sourced from industry databases and updated regularly.
700+ city comparisons — City-level insurance cost estimates adjusted for local factors including crime rates, natural disaster risk, population density, and regional market conditions.
Interactive calculators — 15 free tools including homeowners insurance estimators, renters insurance calculators, replacement cost calculators, bundle savings calculators, and more. All calculators run entirely in your browser — we don't collect or store your inputs.
Educational guides — In-depth articles on insurance topics from "Does homeowners insurance cover water damage?" to state-by-state rankings and cost analysis. Every article is data-driven and cites authoritative sources.
Comparison tools — Side-by-side comparisons of insurance costs between states, ideal for anyone considering a move or evaluating the true cost of living in different areas.
We take data accuracy seriously, especially given that insurance is a financial topic that directly impacts people's budgets and decisions. Our data is compiled from multiple authoritative sources and cross-referenced for consistency:
Insurance cost data: National Association of Insurance Commissioners (NAIC), Insurance.com, Bankrate, MoneyGeek, Insurify, NerdWallet, Insure.com, and Kiplinger. Homeowners figures are based on $300,000 dwelling coverage, $300,000 liability, and $1,000 deductible where available. Auto figures represent full coverage (100/300/100 liability with comprehensive and collision).
Risk and demographic data: Federal Emergency Management Agency (FEMA) for natural disaster risk zones, FBI Uniform Crime Reporting (UCR) program for crime indices, U.S. Census Bureau for population data, and state insurance department filings for regulatory information.
Commissioner data: National Association of Insurance Commissioners (NAIC) membership directory and Ballotpedia, updated as of March 2026.
Data is typically updated quarterly. Our most recent comprehensive update was in March 2026. If you notice any inaccuracies, please contact us — we'll investigate and correct promptly.
State-level insurance costs represent the consensus average across multiple data sources, normalized to standard coverage levels. Where sources disagree (which is common — different methodologies produce different averages), we use the midpoint of credible estimates and document the range.
City-level estimates are derived from state averages adjusted for city-specific factors: population density (urban areas tend to have higher costs), crime index (higher crime correlates with higher premiums), natural disaster risk (coastal, tornado, wildfire, and earthquake zones), and regional construction cost variation.
Landlord insurance is estimated at approximately 125% of homeowners insurance, consistent with industry averages for DP-3 policies on rental properties.
InsuranceCostCity is part of a network of free financial comparison tools:
CapRateCity.com — Cap rate calculator and rental property investment analysis for 700+ cities
MortgageMathLab.com — Mortgage calculators, home affordability tools, and homebuyer guides
TakeHomeTax.com — Federal and state tax calculators and take-home pay estimators
Our newsletter, The Numbers Letter, delivers weekly insights on insurance savings, cost trends, and state-by-state analysis.
Have questions, feedback, or data corrections? Visit our contact page.