USAA is the best homeowners insurance company in Arizona, based on a 2023 analysis by Insurance.com, 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
- Best home insurance companies in Arizona
- Cheapest home insurance companies in Arizona
- Arizona home insurance rates by ZIP code
- Frequently asked questions about Arizona homeowners insurance
- Compare homeowners insurance rates by city in Arizona
- Compare homeowners insurance rates with other states
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 Insurance.com score is calculated out of five using these factors.
*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.
| Company | $200,000 | $300,000 | $400,000 | $500,000 | $600,000 |
|---|---|---|---|---|---|
| USAA | $1,114 | $1,417 | $1,662 | $1,889 | $2,095 |
| American Family | $1,151 | $1,431 | $1,692 | $1,942 | $2,179 |
| Nationwide | $1,076 | $1,450 | $1,844 | $2,325 | $2,847 |
| State Farm | $1,131 | $1,458 | $1,775 | $2,191 | $2,582 |
| Allstate | $1,498 | $1,768 | $2,039 | $2,356 | $2,674 |
| Farmers | $1,926 | $2,649 | $3,466 | $4,224 | $4,978 |
| Travelers | $4,889 | $4,895 | $5,708 | $6,630 | $7,727 |
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.
HOME INSURANCE CALCULATOR
Average home insurance rates in CALIFORNIA
AVERAGE RATE: $797
Most & least expensive zip codes for homeowners insurance in California
Most Expensive
| Zip Code | City | Highest Rate |
|---|---|---|
| 92325 | Crestline | $1,450 |
| 92391 | Twin Peaks | $1,426 |
| 92321 | Cedar Glen | $1,425 |
| 92352 | Lake Arrowhead | $1,423 |
Least Expensive
| Zip Code | City | Lowest Rate |
|---|---|---|
| 94086 | Sunnyvale | $742 |
| 94085 | Sunnyvale | $743 |
| 94087 | Sunnyvale | $743 |
| 95051 | Santa 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 code | Average annual rates |
|---|---|
| 85012 | $2,609 |
| 85013 | $2,607 |
| 85008 | $2,590 |
| 85034 | $2,586 |
| 85014 | $2,582 |
| 85020 | $2,567 |
The least expensive ZIP codes in Alabama for home insurance
The cheapest ZIP codes for home insurance in Alabama are:
| ZIP code | Average annual rates |
|---|---|
| 85357 | $1,459 |
| 85371 | $1,460 |
| 85352 | $1,461 |
| 85334 | $1,494 |
| 86020 | $1,591 |
| 85626 | $1,607 |
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. Insurance.com 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.
Compare homeowners insurance rates with other states
Helpful home insurance tools and calculators
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