Who Has the Cheapest Homeowners Insurance Quotes in Florida?

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We collected insurance quotes across 67 counties in the state of Florida in order to determine which regions have the highest and lowest annual home insurance costs. Based on our research, Florida homeowners pay on average $2,881 per year for home insurance. Across the 67 counties we studied, Universal Property had the best average annual home insurance rates in the state. Read more about our findings below, or use our quote tool above to start finding home insurance quotes in your area.

Cheapest Home Insurance Companies in Florida

We gathered quotes from Liberty Mutual, State Farm, Citizens Property and Universal Property. Quotes from each company were averaged to find which insurance companies had the best home insurance rates in Florida. The graph below shows the average annual costs to insure our sample home by company and the state average:

Best Home Insurance Companies in Florida

Best Homeowners Insurance Rates in Florida's Largest Counties

We evaluated homeowners insurance rates across the largest counties in Florida. Our study implemented control variables to gather quotes that can be compared to one another. On average, homeowners in the ten largest counties pay $513 more than the state mean on home insurance.

Miami-Dade County, Florida

Miami-Dade is the largest county in the state of Florida. Miami-Dade County is located at the southeastern tip of the state. The county produces more tropical vegetables than any other county in the state. Miami-Dade is home to over 300 regional and worldwide headquarters of Fortune 500 corporations. Our study shows that the average cost of home insurance in Miami-Dade is $5,298 per year, which is $2,417 greater than the state average.

State Farm offered the most affordable home insurance quote in Miami-Dade at an annual cost of $4,962. Liberty Mutual, the most expensive insurer in the county, quoted our sample home an annual cost of $5,468, which is $506 greater than State Farm’s quote. All quotes gathered in Miami-Dade were greater than the state average.

Cheapest and Best Homeowners Insurance Companies in Miami-Dade

Broward County, Florida

Broward County is the second largest county in Florida. The county’s largest universities ranked by the number of graduates are Broward College, Nova Southeastern University and Keiser University in Ft. Lauderdale. The most popular concentrations at higher education institutions located in Broward County include general business administration & management and registered nursing. Residents of Broward County pay an average of $4,319 for their homeowners insurance annually.

The most affordable home insurance rate in the county was offered by Universal Property at an annual cost of $3,833. The second most affordable rate was offered by State Farm at a cost of $4,059, which is $226 greater than Universal Property’s quote. Based on our study, Broward ranked as the eighth least affordable county for home insurance in the state.

Best Homeowners Insurance Rates in Broward County

Palm Beach County, Florida

While Broward County is the second largest county in Florida in terms of population, Palm Beach is the second largest in regards to total area. Palm Beach is also the third largest county in Florida when it comes to population. Palm Beach is located between major cities as Miami is just 60 miles north and Orlando is 150 miles southeast of the county. The county is home to the city of West Palm Beach, which is one of the three largest cities in South Florida. West Palm Beach is located along the shore of Lake Worth Lagoon. Based on our research, the average homeowners insurance quote in the county is $4,521. Residents of Palm Beach pay 57% more for their home insurance than the state mean.

All quotes offered in Palm Beach were over $4,000. Palm Beach ranks as the fifth best county for home insurance rates in Florida. Rates collected in the county varied by $710.

Quotes from Palm Beach's Best Home Insurance Companies

Hillsborough County, Florida

Hillsborough County is the fourth most populated county in Florida. The county is home to Tampa, which is the third largest city in Florida. The city is aptly named as it is nestled in the northeast corner of Old Tampa Bay. The largest industries in the county are healthcare & social assistance, retail trade and educational services. The most common professions include management, administrative and sales. The average annual homeowners insurance quote in Hillsborough County is $3,192 per year, which is 11% greater than the state mean.

Based on our research, Hillsborough ranks in the fourth quartile when it comes to affordable counties for home insurance in Florida. Citizens Property offered the most affordable quote in the county at an annual cost of $2,636. The next most affordable quote, offered by Universal Property was just $20 greater.

Hillsborough’s Best Home Insurance Companies

Orange County, Florida

Orange County, originally nicknamed Mosquito County, is the fifth largest county in Florida. The county offers some of the most popular theme parks in the country, including Walt Disney World and Universal Studios Orlando. Walt Disney World is the country’s largest single-site employer. The Orange County theme park employs over 66,000 employees. The mean annual home insurance rate in Orange County is $2,469, which is 14% less than the state average.

Citizens Property quoted the least expensive home insurance rate in Orange County at $1,839 annually. Citizens Property’s quote is $1,311 less than State Farm’s quote of $3,150. Based on our study, State Farm is the least affordable insurance company in the county.

Best Cheap Home Insurance Companies in Orange County

Pinellas County, Florida

Pinellas is the sixth largest county in Florida and the most densely populated one. The county is home to 35 miles of beaches and approximately 588 miles of coastline. The county averages 361 days of sunny weather per year, which makes it a premier destination for travelers. Popular tourist destinations include St. Petersburg and Clearwater. St. Petersburg is home to the Dali Museum, which opened in 2011. Both, St. Petersburg and Clearwater are well known for their beaches. The city is located on the coast of Tampa Bay. Residents of Pinellas pay an average annual home insurance cost of $3,058 based on our study.

Citizens Property offered the lowest home insurance quote in Pinellas County at an annual rate of $2,161. The second most affordable insurer in the area, Universal Property, offered a quote of $2,578, which is $417 greater than the quote offered by Citizens Property. On average, residents of Pinellas County pay 6% more for their home insurance when compared to the state mean.

Cheapest and Best Homeowners Insurance Companies in Pinellas County

Duval County, Florida

Duval County, located approximately 80 miles from Gainesville, is the seventh largest county in the state. Duval County is home to Jacksonville, which has one of the lowest overall costs of living in the state and in the country. The county benefits from having the Jacksonville International Airport within its limits. Based on our research, the average home insurance rate in Duval is $1,926, which is $955 less than the state mean.

Duval is ranked as the fifth most affordable county in Florida for home insurance. All quotes gathered in Duval were lower than the state mean. Despite this, home insurance rates in Duval varied by $1,372.

Best Homeowners Insurance Rates in Duval County

Lee County, Florida

Lee County is the eighth largest county in the state of Florida. The local economy employs over 275,000 people. Popular industries in the region include real estate, construction and waste management services. On average, residents of Lee County pay $342 more for their home insurance than the rest of the state.

Citizens Property offered the lowest quote from the insurance companies we sampled at an annual cost of $2,191. Citizens Property’s quote was $1,120 cheaper than the next most expensive quote, which was offered by Universal Property. Home insurance rates in Lee County varied by $1,603.

Quotes from Lee County's Cheapest and Best Home Insurance Companies

Polk County, Florida

Polk County is the states ninth largest county. The county is named after James K. Polk, who was the 11th president of the United States. The county is home to 554 lakes, which earned it the nickname of the Water Ski Capital of the World. Tourism is one of the county’s largest sources of revenue. Residents of Polk pay an average of $2,882 per year for home insurance.

Based on our sample, State Farm offered the most expensive home insurance rate at an annual cost of $3,995. That said, on average, residents of Polk pay just $1 more than the state mean for their home insurance. State Farm’s quote brings the county’s average down by $371.

Best Home Insurance Companies in Polk County

Brevard County, Florida

Brevard County is located alongside the eastern shoreline of the state and is Florida’s tenth largest county. Brevard is home to the Kennedy Space Center, which is where the United States launched its space missions. Due to this, Brevard County has been nicknamed Florida’s Space Coast. Brevard has an average annual home insurance cost of $3,047, which is $165 greater than the state average.

Citizens Property quoted the cheapest home insurance rate in the county at $2,236. State Farm offered the most expensive home insurance quote at $3,689, which is $1,453 greater than the quote offered by Citizens Property. Brevard County ranks in the third quartile for the most affordable home insurance rates in Florida.

Best Cheap Home Insurance Companies in Brevard

Least Expensive Homeowners Insurance in Florida: by County

The graph below shows the five best places for home insurance of all 67 counties which were part of our rankings. The counties are listed in order of mean price starting with the lowest average home insurance quote and ascending. Leon is the cheapest county in Florida for homeowners insurance based on our study. On average, residents pay $1,615 annually, which is $1,266 lower than the state average.

Top 5 Best Counties in Florida for Homeowners Insurance

Leon County, Florida

According to our research, Leon County is the most affordable county in Florida for homeowners insurance. On average, residents pay 44% less for their home insurance policy when compared to the state mean. All quotes gathered in Leon County were less than the state mean.

Clay County, Florida

Clay County offers the second most affordable homeowners insurance rates in the state of Florida. The mean home insurance quote in the county was $1,662, which is 42% cheaper than the state average. The most affordable quote in Clay County was offered by Citizens Property at an annual cost of $1,096.

Putnam County, Florida

Putnam County ranks as the third least expensive county in Florida for home insurance. The average quote gathered for Putnam County was $1,780, which is $1,101 less than the state mean. On a percentage basis, this represents a 38% discount.

Bradford County, Florida

Bradford County offers the fourth most affordable home insurance rates in the state of Florida. Residents pay, on average, $1,867 per year, which is $1,014 less than the state average. The lowest rate in the county was offered by Universal Property at $1,072 per year.

Duval County, Florida

Duval County ranked as the fifth least expensive county in Florida for home insurance. On average, residents pay $1,926 for home insurance, which represents a 33% lower rate when compared to the state mean. On an annual basis, residents save $955 on homeowners insurance versus the state average.

Most Expensive Homeowners Insurance in Florida: by County

The graph below shows the five most expensive places of all 67 counties which were part of our study. The counties are listed in order of price starting with the highest average rate and descending. The figures listed represent the average home insurance rate in each county based on our study. Many of the most expensive counties for home insurance in Florida are located along the coast. That said, Flagler County, home of the city of Palm Coast, and Sarasota County are both located along the coast and offered rates that were lower than the state mean. The most expensive county for homeowners insurance was Hernando where our research found an average annual rate of $8,912, which is $6,031 greater than the state average.

Top 5 Most Expensive Counties in Florida for Homeowners Insurance

Methodology

We studied 67 counties, spread out geographically in the state of Florida. The sample home we looked at was built in 2005 and has a replacement cost of $300,000. Rates were collected assuming the resident had no claims in the prior three years. The annual home insurance rates in our study were for a policy which includes minimum premium discounts for limited wind mitigation features.

RankCountyAverage Insurance RateCost Compared to Average
15Alachua$2,117-27%
13Baker2,051-29%
48Bay3,1148%
4Bradford1,867-35%
46Brevard3,0476%
60Broward4,31950%
18Calhoun2,136-26%
49Charlotte3,18511%
43Citrus2,819-2%
2Clay1,662-42%
57Collier3,63626%
11Columbia2,028-30%
37DeSoto2,665-8%
22Dixie2,230-23%
5Duval1,926-33%
54Escambia3,45920%
23Flagler2,234-22%
58Franklin3,64527%
8Gadsden1,974-31%
19Gilchrist2,169-25%
40Glades2,732-5%
53Gulf3,25513%
9Hamilton2,012-30%
35Hardee2,622-9%
45Hendry2,9021%
67Hernando8,912209%
38Highlands2,683-7%
51Hillsborough3,19211%
12Holmes2,042-29%
59Indian River3,72429%
14Jackson2,063-28%
31Jefferson2,424-16%
17Lafayette2,125-26%
26Lake2,272-21%
52Lee3,22412%
1Leon1,615-44%
41Levy2,736-5%
21Liberty2,224-23%
16Madison2,124-26%
36Manatee2,647-8%
25Marion2,247-22%
62Martin4,50056%
64Miami-Dade5,29884%
66Monroe6,078111%
10Nassau2,025-30%
55Okaloosa3,50922%
42Okeechobee2,764-4%
33Orange2,469-14%
29Osceola2,357-18%
63Palm Beach4,52157%
65Pasco5,60294%
47Pinellas3,0586%
44Polk2,8820%
3Putnam1,780-38%
56Santa Rosa3,52722%
39Sarasota2,730-5%
28Seminole2,312-20%
6St. Johns1,956-32%
61St. Lucie4,35151%
24Sumter2,241-22%
27Suwannee2,299-20%
32Taylor2,431-16%
7Union1,974-31%
30Volusia2,402-17%
34Wakulla2,539-12%
50Walton3,18611%
20Washington2,187-24%

Sources:

Florida Census Data

Florida Office of Insurance Regulation

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