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48214 Home Insurance Rates & Premiums

Did you know there are over 18,959 people living within the 48214 zip code area? There are over 10,032 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 48214.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in Michigan are on the rise. The estimated average premium is around $762 a year for a standard homeowners insurance policy in Detroit. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Detroit, MI Homeowners Insurance Quotes Online

48214 Home Insurance Average Premiums

Local 48214 homeowners insurance quotes comparison

$512 /yr.

Shows Zip Code: 48214 lowest rates with discounts applied on average.

For the 48214, 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)		$512 /yr.
Average Coverage:$762 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1062 /yr.

What is the average home insurance cost for a home in 48214?

  • • The average homeowners insurance premium paid annually for a home in 48214 is around $762 per year.

What does it cost on average per month for home insurance in 48214?

  • • Homeowners in 48214 pay a monthly average cost per month around $64.00.

What kind of discount could I get if I combine my home and auto insurance together in 48214?

  • • Autoowners in 48214 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.

You can easily shop and compare home insurance rates within Detroit, check out other zip codes nearby 48214.
To review average rates in another zip code, click on a zip code below:
48215  |  48205  |  48223  |  48209  |  48210  |  48226  |  48219  |  48217  |  48204  |  48234  | 

Home Replacement Cost Coverage in 48214

Average Building Cost Per Square Foot in 48214: $132

Location: Detroit, Michigan (Wayne County)

Average Square Footage in 48214: 635 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 48214 before you start any project. Detroit homeowners pay on average around $132 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 48214 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 48214 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 635 sq. ft. and the average cost to rebuild the home in this area is around $132 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 Detroit 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 StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$132635$83,800
Additional Upgrades & Added Features$165635$104,750
Major Home Updates or Advancements$198635$125,700

It's important to understand that when you estimate your replacement cost of your home in the 48214 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 Homeowners Insurance Agencies in 48214

Best Home & Auto Insurance Agencies in 48214

Housing Demographics for 48214

Population Review for 48214 Zip Code

For the city of Detroit, the population within 48214 has increased to over 16,820 residents in population size. The current population total is 18,959. We have broken down the population based on race below. In 48214, there are over 9059 in male population and 9900 females.

PopulationValues
Total Population18,959
White Population2646
Black Population15185
Hispanic Population351
Asian Population144
Hawaiian Population5
Indian Population48
Other Population150
Male Population9059
Female Population9900
Population Estimate16820

Household Data for 48214

The average number of homes in 48214 is around 10,032, there are an average of 1.87 per household. The average house value according to local real estate values is around $83,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode10,032
Persons Per Household1.87
Average House Value$83,800
Income Per Household$30313
Median Age44.5
Median Age Male42.8
Median Age Female46.4
48214 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias Abbreviation
Area Code313
CityDetroit
City Alias NameDETROIT
CountyWayne
County FIPS163
State FIPS26
Time Zone5
Day Light SavingY
MSA2162
PMSA2160
CSA220
CBSA19820
CBSA_DIV19804
CBSA_TypeMetro
CBSA_NameDetroit-Warren-Dearborn, MI
MSA_NameDetroit-Ann Arbor-Flint, MI CMSA
PMSA_NameDetroit, MI PMSA
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses217
Number Of Employees3799
Business First Quarter Payroll50003
Business Annual Payroll248384
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population4296250
CBSA Division Population1820584
Congressional District13
Congressional LandArea184.85
Delivery Residential8995
Delivery Business315
Delivery Total9909
Preferred Last Line KeyY11742
Classification Code
Multi-County
CSA NameDetroit-Warren-Ann Arbor, MI
CBSA_DIV_NameDetroit-Dearborn-Livonia, MI
City State KeyY11742
Land Area5.051000
Water Area0.639000
City Alias Code
City Mixed CaseDetroit
City Alias Mixed CaseDetroit
Box Count278
SFDU4658
MFDU3951
State ANSI26
County ANSI163
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number252490
Unique ZIP Name
SSA State County Code23810
Medicare CBSA Code19804
Medicare CBSA NameDetroit-Dearborn-Livonia, MI
Medicare CBSA TypeMetro
Market Rating Area ID1
County Mixed CaseWayne

Michigan Homeowners Insurance News & Information

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    Recently, Insurify released its third annual American Homeowner Insurance report which offers a detailed forecast of insurance trends in the U.S. for 2025.  States that have a high risk of wildfires and severe weather will see the largest increases in homeowners insurance premiums. According to the report, Louisiana will see the largest premium increases with […]

  • Top 10 States That Have the Highest Rates of Uninsured Homes Posted on Tuesday 22nd April, 2025

    As recent headlines have made clear, climate change has led to more frequent extreme weather events which has led to a rise in homeowner insurance claims. As insurers deal with an increased number of claims, they pass those additional costs onto homeowners via higher premiums, regardless of whether you have filed a claim or not.  […]

  • 2025 Spring Cleaning Insurance Tips for Homeowners Posted on Monday 31st March, 2025

    Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance.  We thought it might be a good idea to look at some spring cleaning and maintenance […]