46224 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 46224? There are over 15,684 occupied homes in the 46224 area. With a population size of 38,822, it's not uncommon for residence of Indianapolis, IN to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Indiana is around $738 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 46224 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Indianapolis, IN Home Insurance Rate Quotes

46224 Home Insurance Average Premiums

Local 46224 homeowners insurance quotes comparison

$488 /yr.

Shows Zip Code: 46224 lowest rates with discounts applied on average.

For the 46224, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:	Annual Premium
1800 sq. ft. or below (discounts applied)	$488 /yr.
Average Coverage:	$738 /yr.
2600 sq. ft. or higher (all discounts applied)	$1038 /yr.

What is the average home insurance cost for a home in 46224?

• The average homeowners insurance premium paid annually for a home in 46224 is around $738 per year.

What does it cost on average per month for home insurance in 46224?

• Homeowners in 46224 pay a monthly average cost per month around $62.00.

What kind of discount could I get if I combine my home and auto insurance together in 46224?

• Autoowners in 46224 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Indianapolis area, check out other zip codes nearby 46224.
Review average rates in another zip code:
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Home Replacement Cost Coverage in 46224

Average Building Cost Per Square Foot in 46224: $108

Location: Indianapolis, Indiana (Marion County)

Average Square Footage in 46224: 1,093 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 46224 before you start any project. Indianapolis homeowners pay on average around $108 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 46224 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 46224 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,093 sq. ft. and the average cost to rebuild the home in this area is around $108 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Indianapolis area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement Status	Price per Sq. Ft.	Square Feet	Dwelling Coverage
Basic Home Features	$108	1,093	$118,000
Additional Upgrades & Added Features	$135	1,093	$147,500
Major Home Updates or Advancements	$162	1,093	$177,000

Calculate Your Dwelling Coverage in 46224

It's important to understand that when you estimate your replacement cost of your home in the 46224 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Home & Auto Insurance Agencies in 46224

Cox- Carl K - State Farm Insurance Agent

Address: 2824 N High School Rd Indianapolis, IN 46224
Phone:
Website:
Info:

John Rieser American Family Insurance

Address: 6128 W 25th St Indianapolis, IN 46224
Phone:
Website: http://www.amfam.com
Info: American Family Insurance | Auto Insurance, Car Insurance, Life, Homeowners & More
American Family Insurance offers affordable car insurance, homeowners insurance, life insurance, business insurance, annuities and more. auto insurance, car insurance, life insurance, homeowners insurance, business insurance, annuities

Henry's Fair Rate Auto Insurance Inc

Address: 3410 N High School Rd Indianapolis, IN 46224
Phone:
Website:
Info:

Assurance Insurance Agency

Address: 2816 N High School Rd Indianapolis, IN 46224
Phone:
Website:
Info:

ACE Cash Express

Address: 5841 Crawfordsville Road Indianapolis, IN 46224
Phone:
Website: http://www.acecashexpress.com/
Info:

Housing Demographics for 46224

Population Review for 46224 Zip Code

For the city of Indianapolis, the population within 46224 has increased to over 37,979 residents in population size. The current population total is 38,822. We have broken down the population based on race below. In 46224, there are over 19178 in male population and 19644 females.

Population	Values
Total Population	38,822
White Population	13290
Black Population	14112
Hispanic Population	10339
Asian Population	863
Hawaiian Population	11
Indian Population	394
Other Population	6876
Male Population	19178
Female Population	19644
Population Estimate	37979

Household Data for 46224

The average number of homes in 46224 is around 15,684, there are an average of 2.46 per household. The average house value according to local real estate values is around $118,000. Please review the following demographics below for average income and media age.

Housing / Income Data	Values
Households Per Zipcode	15,684
Persons Per Household	2.46
Average House Value	$118,000
Income Per Household	$45668
Median Age	32.1
Median Age Male	31.8
Median Age Female	32.3

46224 Details	Values
State	IN
State Full Name	Indiana
City Type	P
City Alias Abbreviation
Area Code	317
City	Indianapolis
City Alias Name	INDIANAPOLIS
County	Marion
County FIPS	097
State FIPS	18
Time Zone	5
Day Light Saving	Y
MSA	3480
PMSA
CSA	294
CBSA	26900
CBSA_DIV
CBSA_Type	Metro
CBSA_Name	Indianapolis-Carmel-Greenwood, IN
MSA_Name	Indianapolis, IN MSA
PMSA_Name
Region	Midwest
Division	East North Central
MailingName	Y

Economic & Growth Review	Values
Number Of Businesses	467
Number Of Employees	6637
Business First Quarter Payroll	61158
Business Annual Payroll	253424
Business Employment Flag
Growth Rank	0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number	0
Growth Increase Percentage	0.0

Metropolitan Details	Values
CBSA Population	1756241
CBSA Division Population	0
Congressional District	07
Congressional LandArea	303.84
Delivery Residential	15439
Delivery Business	553
Delivery Total	18799
Preferred Last Line Key	X12558
Classification Code
Multi-County
CSA Name	Indianapolis-Carmel-Muncie, IN
CBSA_DIV_Name
City State Key	X12558
Land Area	7.150000
Water Area	0.020000
City Alias Code
City Mixed Case	Indianapolis
City Alias Mixed Case	Indianapolis
Box Count	285
SFDU	7688
MFDU	2698
State ANSI	18
County ANSI	097
ZIP Intro
Alias Intro
Facility Code	P
City Delivery Indicator	Y
Carrier Route Rate Sortation	D
Finance Number	174037
Unique ZIP Name
SSA State County Code	15480
Medicare CBSA Code	26900
Medicare CBSA Name	Indianapolis-Carmel-Anderson, IN
Medicare CBSA Type	Metro
Market Rating Area ID	10
County Mixed Case	Marion

Indiana Homeowners Insurance News & Information

Can $600 Million Help Lower Florida Homeowners Insurance Rates? Posted on Friday 14th February, 2025
Family relax on the couch. Happy beautiful young parents are smiling, hugging and playing with them kids at home together Governor DeSantis recently asked the legislature for over $600 million to help lower homeowners insurance in his 2025-26 budget request. The budget proposal asks for $590 million to go towards the My Safe Florida Home […]
North Carolina Homeowners’ Insurance Premiums May See a 15% Increase Posted on Thursday 23rd January, 2025
The base rate for North Carolina homeowners insurance will be headed up by an average of 15% by the middle of 2026. The rate increases are part of a settlement that was reached with the insurance industry by the North Carolina Insurance Department. The state Insurance Commissioner Mike Causey recently announced the rate increase agreement […]
2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025
While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future. According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]

Home Insurance Quotes in 46224!