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48450 Homeowners Insurance Quotes & Coverage Options

For homeowners like you shopping online for home insurance quotes in the 48450 zip code it's important to know that our rates are very competitive for homeowners living in Lexington, MI. Many homeowners based out of your 48450 area have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Michigan licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 48450 should appear in the zip code field ready to go. For Lexington, MI Homeowners Insurance Quotes nearby, we offer the best rates and service.

48450: Average Home Insurance Rates

For homeowners living in the great city of Lexington, the average homeowners policy is considered very low in comparison to other states. Michigan premiums are estimated to be around $825 per year for homeowners insurance rates. You can easily save up to 40% or more, let us help you shop multiple home insurance quotes for free.

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48450 Home Insurance Average Premiums

Local 48450 homeowners insurance quotes comparison

$575 /yr.

Shows Zip Code: 48450 lowest rates with discounts applied on average.

For the 48450, 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)		$575 /yr.
Average Coverage:$825 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1125 /yr.

What is the average home insurance cost for a home in 48450?

  • • The average homeowners insurance premium paid annually for a home in 48450 is around $825 per year.

What does it cost on average per month for home insurance in 48450?

  • • Homeowners in 48450 pay a monthly average cost per month around $69.00.

What kind of discount could I get if I combine my home and auto insurance together in 48450?

  • • Autoowners in 48450 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 Lexington, check out other zip codes nearby 48450.
To review average rates in another zip code, click on a zip code below:
48450  | 

Home Replacement Cost Coverage in 48450

Average Building Cost Per Square Foot in 48450: $132

Location: Lexington, Michigan (Sanilac County)

Average Square Footage in 48450: 1,222 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 48450 before you start any project. Lexington 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 48450 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 48450 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,222 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 Lexington 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$1321,222$161,300
Additional Upgrades & Added Features$1651,222$201,625
Major Home Updates or Advancements$1981,222$241,950

It's important to understand that when you estimate your replacement cost of your home in the 48450 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 48450

Best Home & Auto Insurance Agencies in 48450

Housing Demographics for 48450

Population Review for 48450 Zip Code

For the city of Lexington, the population within 48450 has increased to over 5,803 residents in population size. The current population total is 4,199. We have broken down the population based on race below. In 48450, there are over 1997 in male population and 2202 females.

PopulationValues
Total Population4,199
White Population4000
Black Population14
Hispanic Population142
Asian Population11
Hawaiian Population0
Indian Population5
Other Population17
Male Population1997
Female Population2202
Population Estimate5803

Household Data for 48450

The average number of homes in 48450 is around 2,042, there are an average of 2.05 per household. The average house value according to local real estate values is around $161,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,042
Persons Per Household2.05
Average House Value$161,300
Income Per Household$50181
Median Age55.9
Median Age Male55.7
Median Age Female56.2
48450 DetailsValues
StateMI
State Full NameMichigan
City TypeP
City Alias Abbreviation
Area Code810
CityLexington
City Alias NameLEXINGTON
CountySanilac
County FIPS151
State FIPS26
Time Zone5
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionMidwest
DivisionEast North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses90
Number Of Employees1224
Business First Quarter Payroll10511
Business Annual Payroll50058
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District09
Congressional LandArea183.59
Delivery Residential2831
Delivery Business79
Delivery Total3237
Preferred Last Line KeyY12242
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyY12242
Land Area21.863000
Water Area2.343000
City Alias Code
City Mixed CaseLexington
City Alias Mixed CaseLexington
Box Count246
SFDU2491
MFDU187
State ANSI26
County ANSI151
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number255430
Unique ZIP Name
SSA State County Code23750
Medicare CBSA Code99923
Medicare CBSA NameRural Areas in MI
Medicare CBSA TypeMicro
Market Rating Area ID6
County Mixed CaseSanilac

Michigan Homeowners Insurance News & Information

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  • Compare 2026 Homeowners Insurance Rates in Every State Posted on Wednesday 11th February, 2026

    Homeowners insurance rates continue to vary widely across the United States in 2026, influenced by severe weather risks, property damage costs, litigation environments, state insurance regulations, and the availability of local carriers. Some states still pay thousands more per year than others for the same amount of dwelling coverage. In this article, we compare average homeowners insurance […]

  • Texas Homeowners Insurance: 2026 Market Update Posted on Monday 26th January, 2026

    Texas homeowners are continuing to face one of the most challenging insurance markets in the country — driven by extreme weather risks, rising repair costs, and shifting insurer participation. Below is the latest overview of what buyers should know and how they can save on coverage. 1. Texas Insurance Market Landscape in 2026 Homeowners insurance […]