Florida vs New York: Home Insurance Cost
New York has cheaper average home insurance than Florida by $8,684.
Visual Comparison
Difference: $8,684 — New York leads.
National Rankings
Where They Rank Nationally
See where both states fall among all 50 states for home insurance cost.
10 Best States — Home Insurance Cost
Lower is better
Hawaii
Delaware
Vermont
Oregon
New Hampshire
Nevada
Alaska
California
Wisconsin
Maine
Florida
New York
Florida ranks 50th and New York ranks 13th nationally for home insurance cost.
What This Means
Florida vs New York: Home Insurance Cost in context
New York has a home insurance cost of $1,556/yr, compared with $10,240/yr in Florida. Average annual home insurance premium for $250,000 in dwelling coverage (MoneyGeek 2026).
People Also Ask
Florida vs New York Home Insurance Cost — Common Questions
Q What is Florida's home insurance cost?
Florida's home insurance cost is $10,240/yr.
Q What is New York's home insurance cost?
New York's home insurance cost is $1,556/yr.
Q Which state has a lower home insurance cost — Florida or New York?
New York has cheaper average home insurance than Florida by $8,684.
More Comparisons: Florida vs New York
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Sources: Core demographic data comes from the 2020 U.S. Census, with land area from U.S. Census Bureau TIGER files. Income, housing, affordability, and tax fields are maintained in our comparison dataset; purchasing-power figures use BEA Regional Price Parities. Minimum wage data comes from the U.S. Department of Labor, gas prices from AAA, and electricity rates from the U.S. Energy Information Administration. Political control and election fields use 2024 presidential results together with National Conference of State Legislatures data. Gun-law labels use the Giffords scorecard, alcohol system data comes from NABCA, and marijuana status uses NCSL's state cannabis laws tracker.