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How Much Does Personal Insurance Cost?

Find out what Central New Yorkers' insurance costs are for auto, home, tenant, boat, camp, landlord, and more.

Learn what determines your price. Plus, insider tips for getting the best rates.

How to get an exact insurance quote

How much should I expect to pay for personal insurance?

We’ve broken it down by policy type to make it easy.

Insurance pricing for your home life.

Personal Insurance Pricing

At the Horan insurance agency, price transparency is important. Unlike other agencies and carriers who would rather tell you about how much you could save; we’d rather tell you how much you might spend. In fact, how can they save you 15% if they don’t even know what you’re paying!?

Each insurance policy is like the people it protects; unique. Your uniqueness is what makes up your insurance price. To know right down to the penny, you’d have to get a complete & personalized quote. We’re here to provide that when you’re ready.

As a guide we have listed a general range that you can expect to fall in for each policy type. Not all people will fit neatly into these ranges. There are many factors that create your final price, but for now, here’s a start:

How much is RV Insurance?

Campers and 5th Wheels will usually range between $12 – $32 per month or $144 – $384 per year.


How much is Motorcycle Insurance?

Like Car Insurance, this can be a hard one to estimate. Most motorcycle policies tend to fall between $30 – $120 per month or $360 – $1,200 per year.


How much is Flood Insurance?

A flood insurance policy will have a large range depending on the flood zone it is in. If you are in a low-risk flood zone, the average range is $58 – $167 per month or $700 – $2,000 per year.

Let’s discuss the price of your insurance.

One of our insurance advisors will reach out to you to review your information and present you with the appropriate insurance solution. There’s no obligation, just good-old-fashioned advice.

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Horan Companies offers comprehensive insurance in New York State, including: Baldwinsville, Syracuse, Onondaga County, Liverpool, Fulton and Camillus, NY.