- Average home insurance cost in Arizona
- Best home insurance companies in Arizona
- Cheapest home insurance companies in Arizona
- Arizona home insurance rates by ZIP code
- Arizona homeowners insurance rates by county
- Compare homeowners insurance rates by city in Arizona
- Methodology
- FAQ: Arizona homeowners insurance
- Compare Arizona homeowners insurance rates with other states
Average home insurance cost in Arizona
The average cost of homeowners insurance in Arizona is $2,344 a year or $195 a month. This is based on coverage of:
- $300,000 dwelling
- $300,000 liability
- $1,000 deductible.
However, the average annual premium varies by the insurance company, your ZIP code, coverage type, and your home's age, among other factors. It’s a good idea to compare price quotes from multiple Arizona homeowners insurance companies to get the best deal.
Best home insurance companies in Arizona
The best home insurance company in Arizona is State Farm, followed by Travelers and Allstate.
Below is a full list of the top Arizona insurance companies based on price, NAIC complaints, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
Cheapest home insurance companies in Arizona
Below are Arizona home insurance rates by company for six different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Based on our rate analysis, you’ll see State Farm has the most affordable rates across the board.
| Company | $200,000 | $300,000 | $400,000 | $600,000 | $1,000,000 |
|---|---|---|---|---|---|
| State Farm | $1,231 | $1,505 | $1,769 | $2,226 | $2,752 |
| Farmers | $1,818 | $2,523 | $3,295 | $4,994 | $7,855 |
| Allstate | $2,035 | $2,410 | $2,761 | $3,673 | $4,499 |
| Nationwide | $1,929 | $2,605 | $3,280 | $4,899 | $7,406 |
| American Family | $2,245 | $2,844 | $3,411 | $4,466 | $5,814 |
| Travelers | $2,489 | $3,010 | $3,497 | $4,965 | $7,771 |
| USAA | $1,603 | $2,017 | $2,350 | $2,923 | $3,501 |
*USAA is only available to military members and their families
Arizona home insurance rates by ZIP code
Home insurance rates can vary widely depending on where the home is located. We compared home insurance rates by ZIP code in Arizona to see which areas are the most and least expensive.
Enter your ZIP code and desired coverage level in the search box to see that area's average home insurance rate. You will also see the highest and lowest premiums from major home insurers. Comparing home insurance rates will give you an idea of how much you can save.
Home insurance calculator by ZIP code
Average home insurance rates in TexasMost & least expensive ZIP codes for homeowners insurance in Texas
| ZIP code | City | Highest rate |
|---|---|---|
| 77550 | Galveston | $10,164 |
| 77586 | El Lago | $9,906 |
| 77551 | Galveston | $9,536 |
| 77554 | Galveston | $9,358 |
| ZIP code | City | Lowest rate |
|---|---|---|
| 78559 | Iglesia Antigua | $1,956 |
| 78593 | Santa Rosa | $1,999 |
| 79915 | El Paso | $2,008 |
| 79905 | El Paso | $2,009 |
The Arizona Department of Insurance says...
An insurer may impose underwriting criteria related to the possession of any dog, but not based on a specific breed of a dog. An insurer may impose underwriting criteria unrelated to the breed of the dog. For example, it will insure homes with a dog greater than 40 pounds only if they have a 6-foot fence.
- The Arizona Department of InsuranceThe most expensive ZIP codes in Arizona for home insurance
Arizona homeowners insurance rates are the most expensive for ZIP code 85931 with an average annual cost of $4,124.
The most expensive ZIP codes in Arizona are:
| City | ZIP code | Average Annual Premium |
|---|---|---|
| Forest Lakes | 85931 | $4,124 |
| Parks | 86018 | $3,598 |
| Greer | 85927 | $3,532 |
| Munds Park | 86017 | $3,454 |
| Cameron | 86016 | $3,234 |
Arizona homeowners insurance rates by county
Home insurance rates in Arizona vary by county. Take a look at the average rates by county in Arizona below to see how costs compare.
| County | Average annual premium | Average monthly premium |
|---|---|---|
| Apache | $2,299 | $192 |
| Cochise | $2,383 | $199 |
| Coconino | $2,618 | $218 |
| Gila | $2,534 | $211 |
| Graham | $2,400 | $200 |
| Greenlee | $2,549 | $212 |
| La Paz | $1,984 | $165 |
| Maricopa | $2,440 | $203 |
| Mohave | $2,090 | $174 |
| Navajo | $2,355 | $196 |
| Pima | $2,207 | $184 |
| Pinal | $2,330 | $194 |
| Santa Cruz | $2,182 | $182 |
| Yavapai | $2,285 | $190 |
| Yuma | $1,960 | $163 |
The least expensive ZIP codes in Arizona for home insurance
The cheapest ZIP codes for home insurance in Arizona are:
| City | ZIP code | Average Annual Premium |
|---|---|---|
| Gadsden | 85336 | $1,827 |
| Somerton | 85350 | $1,829 |
| Yuma | 85365 | $1,854 |
| San Luis | 85349 | $1,857 |
| Wenden | 85357 | $1,869 |
Compare homeowners insurance rates by city in Arizona
Home insurance rates vary significantly across cities, influenced by various factors, including weather patterns, crime rates, and property values. You must consider these factors and compare quotes from different insurers to get the best deal on home insurance for your specific city in Arizona.
Methodology
Insurance.com worked with Quadrant Information Services to field homeowners insurance rates in all 50 states and Washington, D.C. We analyzed 37,973,840 insurance quotes from 134 insurance companies across 34,595 ZIP codes to determine the average premiums.
The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:
- $300,000 dwelling coverage
- $300,000 liability protection
- $1,000 deductible
- 2% hurricane deductible where appropriate.
To rank insurance companies, we used three important factors: average annual cost, NAIC complaint ratio and AM Best financial stability rating. Find the full best insurance companies rating methodology here. The quoted insurance rates are for comparison purposes, and your rates will vary.
FAQ: Arizona homeowners insurance
How much is homeowners insurance in Arizona?
The average cost of Arizona homeowners insurance is $2,344 per year. Insurance.com found you can beat the average by choosing the right carrier and discounts.
Does Arizona have a FAIR plan for homeowners insurance?
No, Arizona doesn't have a FAIR plan or a state insurer of last resort.
