🏠 Home insurance cost in Annapolis, MD (2027)
Estimated average: $1,546 per year — -33% vs. the U.S. average of $2,300.
With about 40,812 residents, Annapolis is a smaller city and the #5 largest city in Maryland. Home insurance rates here are estimated at $1,546 per year, below the Maryland average of $1,610 — a gap driven by local factors like local weather and catastrophe risk, and rebuild costs. Below you can estimate a price for your own profile and compare Annapolis with other Maryland cities.
Estimate your home insurance in Annapolis
Annapolis home insurance estimator
Starts from the Annapolis estimate. Get quotes to confirm your price.
Annapolis home insurance FAQ
How much is home insurance in Annapolis, MD?
The estimated average is $1,546 per year — below the state average (-4% vs. the Maryland average of $1,610, and -33% vs. the U.S. average).
Is home insurance more expensive in Annapolis than elsewhere in Maryland?
Annapolis has about 40,812 residents. Larger metro areas usually see different 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 Annapolis?
Compare at least three quotes from insurers active in Annapolis, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.