Average home insurance cost in Arizona

The average cost of homeowners insurance in Arizona is $2,490 a year or $208 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 American Family and Nationwide. 

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.

Best home insurance companies in Arizona
CompanyAM BestNAIC complaint ratioInsurance.com scoreAverage annual rate
State FarmA++0.834.86$1,585
American FamilyA0.84.17$1,780
NationwideA+1.054.03$1,840
FarmersA0.673.65$3,220
TravelersA++1.13.56$6,002
AllstateA+1.463.45$2,507

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 in almost all categories.

Cheapest home insurance rates in Arizona by coverage level
Company$200,000$300,000$400,000$600,000$1,000,000
State Farm$1,229$1,585$1,930$2,688$4,050
American Family$1,432$1,780$2,106$2,716$3,834
Nationwide$1,329$1,840$2,380$3,714$6,382
USAA*$1,513$1,942$2,288$2,899$3,965
Allstate$2,042$2,507$2,936$4,002$6,001
Farmers$2,321$3,220$4,214$6,158$9,763
Travelers$4,926$6,002$6,971$11,523$18,477

*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

Average home insurance rates in Florida
$200,000
$200,000 $300,000 $400,000 $600,000 $1,000,000
$100,000
$100,000 $300,000
$1,000
$1,000
View most and least expensive ZIP codes

Most & least expensive ZIP codes for homeowners insurance in Florida

Most expensive

ZIP CodeCityHighest Rate
33154Bal Harbour$10,371
33149Key Biscayne$10,326
33160Aventura$10,308
33070Islamorada Village of Islands$10,305

Least expensive

ZIP CodeCityLowest Rate
32307Tallahassee$1,805
32306Tallahassee$1,805
32313Tallahassee$1,805
32308Tallahassee$1,806
Data refreshed as of Mar 2024

The most expensive ZIP codes in Arizona for home insurance

Arizona homeowners insurance rates are the most expensive for ZIP code 85008 with an average annual cost of $3,279.

The most expensive ZIP codes in Arizona are:

ZIP codeAverage Annual Premium
85008$3,279
85013$3,253
85006$3,244
85012$3,229
85015$3,186
85034$3,184

The least expensive ZIP codes in Arizona for home insurance

The cheapest ZIP codes for home insurance in Arizona are:

ZIP codeAverage annual rate
85336$1,753
85357$1,803
85334$1,828
85352$1,836
85371$1,918
85320$1,943

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
Chandler
$1,536
Gilbert
$1,501
Glendale
$1,568
Mesa
$1,625
Nogales
$1,506
Peoria
$1,497
Phoenix
$1,844
Prescott
$1,440
Scottsdale
$1,679
Sedona
$1,454
Surprise
$1,434
Tempe
$1,670
Tucson
$1,480
Willcox
$1,461

Home insurance FAQs

How much is homeowners insurance in Arizona?

The average cost of Arizona homeowners insurance is $2,490 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.

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