Call our licensed agents toll free 844.855.0163
Why you should trust is dedicated to informing, educating, and empowering you to make confident insurance decisions. Our content is carefully reviewed by insurance experts, and we rely on a data-driven approach to create unbiased, accurate insurance recommendations. maintains editorial integrity through strict independence from insurance companies.

USAA is the best homeowners insurance company in Arizona, based on a 2023 analysis by, with an overall rating of 4.95. Nationwide the best home insurance company in Arizona for non-military homeowners, with an overall rating of 4.58.

USAA offers the cheapest home insurance in Arizona for all coverage levels, but American Family has low rates for non-military homeowners.

With so many options out there, it is not easy to choose a homeowners insurance company in Arizona. You need a reliable company that will provide you with quality service at an affordable price. If this is what you're looking for, then keep on reading this guide.

Key takeaways

  • The average cost of homeowners insurance in Arizona is $1,966 a year or $163 a month.
  • The cheapest homeowners insurance company in Arizona is USAA with an average home insurance rate of $1,417 a year. For non-military homeowners, American Family is the cheapest.
  • USAA ranks as the best homeowners insurance in Arizona for 2023, while Nationwide is best for non-military homeowners.

Average home insurance cost in Arizona

The average cost of homeowners insurance in Arizona is $1,966 a year or $163 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 different Arizona homeowners insurance companies to get the best deal.

Best home insurance companies in Arizona

The best home insurance company in Arizona for 2023 is USAA, followed by Nationwide and State Farm.

Below is a full list of the top Arizona insurance companies based on price, NAIC complaints, and AM Best financial ratings. The total score is calculated out of five using these factors.

Best home insurance companies in Arizona
Insurance companyAM BestAverage annual rateNAIC Complaint score
State FarmA++$1,4581.074.53
American FamilyA$1,4310.64.53

*USAA only provides coverage to military members, veterans, and their families.

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 USAA has the most affordable rates in every category, but for non-military homeowners, American Family is a close second.

Cheapest home insurance rates in Arizona by coverage level
American Family$1,151$1,431$1,692$1,942$2,179
State Farm$1,131$1,458$1,775$2,191$2,582

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 the average home insurance rate for that area. You will also see the highest and lowest premiums from major home insurers. This will give you an idea of how much you can save by comparing home insurance rates. The difference between the highest rate and the lowest rate is how much you could save by shopping around.


Average home insurance rates in CALIFORNIA

94404 - Foster City
Dwelling $200,000, Deductible $1,000 and Liability $100,000.



Most & least expensive zip codes for homeowners insurance in California

Most Expensive

Zip CodeCityHighest Rate
92391Twin Peaks$1,426
92321Cedar Glen$1,425
92352Lake Arrowhead$1,423

Least Expensive

Zip CodeCityLowest Rate
95051Santa Clara$743

The most expensive ZIP codes in Arizona for home insurance

Arizona homeowners insurance rates are the most expensive for ZIP code 85012 with an average annual cost of $2,609.

The most expensive ZIP codes in Arizona are:

ZIP codeAverage annual rates

The least expensive ZIP codes in Alabama for home insurance

The cheapest ZIP codes for home insurance in Alabama are:

ZIP codeAverage annual rates

Frequently asked questions about Arizona homeowners insurance

How much is homeowners insurance in Arizona?

The average cost of Arizona homeowners insurance is $1,966 per year. found you can beat the average by choosing the right carrier and discounts.

Are wildfires covered by home insurance?

Fires are covered by a standard home insurance policy. If you live in a high-risk area for fires, make sure you’re adequately covered or you’ll have to pay rebuild costs out-of-pocket if they exceed your policy’s limit.

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.

CityAnnual insurance premium
Tip icon You might also be interested in
See How Much You Can Save
See How Much You Can Save
Please enter valid zip
Want to bundle home and auto insurance for potential discounts?

You may also like to explore