🏠 Home insurance cost in Miami, FL (2026)
Estimated average: $4,545 per year — +98% vs. the U.S. average of $2,300.
$4,545
Est. home insurance in Miami
per year
$4,370
Florida average
$2,300
U.S. average
449,514
Population
Estimate your home insurance in Miami
Miami home insurance estimator
Estimated$2,863/year
Starts from the Miami estimate. Get quotes to confirm your price.
Miami home insurance FAQ
How much is home insurance in Miami, FL?
The estimated average is $4,545 per year — above the state average (+4% vs. the Florida average of $4,370, and +98% vs. the U.S. average).
Is home insurance more expensive in Miami than elsewhere in Florida?
Miami has about 449,514 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest home insurance in Miami?
Compare at least three quotes from insurers active in Miami, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.