Home Home insurance Average home insurance cost Homeowners insurance rates by state Average homeowners insurance cost in Arizona Average homeowners insurance cost in Arizona Homeowners insurance in Arizona costs $2,468 per year or $206 monthly, according to Insure.com’s data analysis. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: April 14, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Whether you’re buying a new home or safeguarding the one you already own, it’s important to have comprehensive homeowners insurance. However, the amount you’ll pay depends on the insurance company and the coverage limits you choose.Homeowners insurance in Arizona costs an average of $2,468 a year, according to Insure.com’s study. Read this guide to learn more about the average homeowners insurance rates in Arizona by insurance company and ZIP code. Key Takeaways Homeowners insurance costs an average of $2,468 a year, based on our analysis.Of all the ZIP codes in Arizona, 85349 has the most affordable home insurance rates at around $1,922 annually.In Arizona, State Farm provides the most affordable home insurance at an average annual premium of $1,573. Average home insurance cost in Arizona by coverage levelIn Arizona, the annual homeowners insurance cost is $2,468, on average for the limits of $100,000 in liability, $300,000 in dwelling coverage and a $1000 deductible.Increasing your dwelling coverage from $300,000 to $400,000 will raise your annual homeowners insurance premium to $3,038 in Arizona, with $100,000 in liability protection and a $1,000 deductible. Below are the average costs for homeowners insurance in Arizona based on dwelling coverage limits of $300,000, $400,000, and $500,000.Coverage Average annual rate Average monthly rate$200,000 with $1,000 Deductible and $100,000 Liability and None Deductible$1,887 $157 $200,000 with $1,000 Deductible and $300,000 Liability and None Deductible$1,906 $159 $300,000 with $1,000 Deductible and $100,000 Liability and None Deductible$2,468 $206 $300,000 with $1,000 Deductible and $300,000 Liability and None Deductible$2,490 $208 $400,000 with $1,000 Deductible and $100,000 Liability and None Deductible$3,038 $253 $400,000 with $1,000 Deductible and $300,000 Liability and None Deductible$3,063 $255 $600,000 with $1,000 Deductible and $100,000 Liability and None Deductible$4,461 $372 $600,000 with $1,000 Deductible and $300,000 Liability and None Deductible$4,494 $375 $1,000,000 with $1,000 Deductible and $100,000 Liability and None Deductible$6,900 $575 $1,000,000 with $1,000 Deductible and $300,000 Liability and None Deductible$6,944 $579 In Arizona, homeowners insurance companies set rates by assessing various risk factors. Your location, claims history, credit history and coverage limit all affect your premium.If multiple claims have been filed in your neighborhood over the past few years, you’ll likely face higher home insurance rates than areas with fewer claims. Your credit score can also play a role in determining your home insurance costs. According to S&P Global Market Intelligence’s RateWatch application, the average homeowners insurance premium for owner-occupied homes nationwide increased by over 11% in 2023.Best homeowners insurance companies in ArizonaBefore purchasing homeowners insurance, it’s important to compare rates and explore your options. Several factors play a role in choosing the best homeowners insurance company for your specific needs.We evaluated insurance companies in Arizona based on their NAIC scores and AM Best ratings to create a list of the top homeowners insurance providers in the state. Our findings show that American Family received the lowest NAIC score and A rating from AM Best. A lower NAIC score indicates fewer complaints relative to the company’s size, suggesting higher customer satisfaction.Company Average annual premiumAM Best rating NAIC Complaint IndexOverall scoreAmerican Family$1,757A0.375Travelers$5,940A++0.544.83Farmers$3,178A0.544.2Nationwide$1,826A+0.873.95State Farm$1,573A++0.953.93Allstate$2,468A+0.93.7Average homeowners insurance cost by company in ArizonaState Farm offers the most affordable homeowners insurance in Arizona, at an average annual premium of $1,573, followed by American Family and Nationwide.You can save hundreds — if not thousands — of dollars each year if you shop around for homeowners insurance.Here are the average annual and monthly insurance rates for Arizona homeowners for a policy with $300,000 dwelling coverage and $100,000 liability protection with a $1,000 deductible.Company Average annual rate Average monthly rateState Farm$1,573$131American Family$1,757$146Nationwide$1,826$152Allstate$2,468$206Farmers$3,178$265Travelers$7,191$599USAA$1,942$162Arizona homeowners insurance rates by ZIP codeInsurance providers in Arizona factor in the risk of a given location when determining rates. ZIP codes with higher crime rates or frequent natural disasters are typically classified as high-risk, leading to increased premiums. Additionally, the cost of rebuilding or repairing homes in that area can affect your homeowners insurance costs.To get the best deal on homeowners insurance rates in Arizona, take the time to shop around and compare quotes from multiple insurers. Additionally, don’t forget to ask about potential discounts, like bundling policies or a smart home discount.Most affordable ZIP codes for home insurance rates in ArizonaHome insurance costs vary across different areas in Arizona. What you pay for homeowners insurance depends on several factors, including your ZIP code. According to our data, the 85349 ZIP code has the lowest home insurance rates in Arizona, at $1,922 annually or $160 per month.Here are the homeowners insurance rates for some of the most affordable ZIP codes in Arizona.ZIP codeAverage annual rateAverage monthly rate85349$1,922$16085350$1,935$16185364$1,949$16285367$1,983$16585365$2,019$16885356$2,035$17085614$2,047$17185622$2,062$17285328$2,101$17585325$2,103$175Most expensive ZIP codes for home insurance rates in ArizonaYour ZIP code is a key factor in determining the cost of your homeowners insurance coverage. In Arizona, certain areas have higher insurance premiums due to elevated crime rates, increased risk of natural disasters, and higher living costs.85931 has the most expensive homeowners insurance rates in Arizona at an average annual cost of $3,911.Below, we’ve highlighted some of the most expensive ZIP codes in Arizona for home insurance:ZIP codeAverage annual rateAverage monthly rate85931$3,911$32686018$3,689$30786017$3,622$30285927$3,520$29386016$3,482$29085073$3,417$28585923$3,351$27985190$3,350$27985930$3,330$27785911$3,285$274Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.Home insurance rates in Arizona by cityChandlerGilbertMesaPhoenixTucsonHome insurance rate trend in ArizonaWe analyzed home insurance rate trends in Arizona and found that homeowners insurance rates experienced an overall increase of 27% or $521, from 2022 to 2023.The below data shows how much homeowners insurance rates have changed since 2019.2019 rates2022 rates2023 rates$1,761$1,947$2,468To find the right homeowners insurance, research thoroughly and compare costs from multiple insurers, as they assess risk differently. Getting quotes from at least three companies helps ensure you get the most affordable coverage in Arizona.Resources & methodologySourceS&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed April 2025.MethodologyInsure.com worked with Quadrant Information Service to get homeowners insurance data. We analyzed 20,739,560 insurance quotes from 82 national and regional insurance companies across 34,588 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$100,000 liability protection$1000 deductibleWe have taken into account 3 important factors such as average annual cost, NAIC score and AM Best rating, to determine the list of best homeowners insurance companies. The quoted insurance rates are for comparison purposes, and your individual rates may vary. Explore other insurance options in Arizona Average renters insurance cost in Arizona Average car insurance cost in Arizona Non-owner car insurance in Arizona How much is home insurance in other statesAlaska$1,695/YearAlabama$3,131/YearArkansas$3,948/YearCalifornia$1,386/YearColorado$4,086/YearConnecticut$2,205/YearDelaware$1,366/YearFlorida$4,405/YearGeorgia$2,286/YearHawaii$593/YearIowa$2,642/YearIdaho$1,950/YearIllinois$3,044/YearIndiana$2,969/YearKansas$4,826/YearKentucky$3,314/YearLouisiana$3,576/YearMassachusetts$1,622/YearMaryland$1,707/YearMaine$1,375/YearMichigan$2,396/YearMinnesota$2,399/YearMissouri$3,528/YearMississippi$3,369/YearMontana$3,265/YearNorth Carolina$2,933/YearNorth Dakota$3,134/YearNebraska$4,785/YearNew Hampshire$1,209/YearNew Jersey$1,506/YearNew Mexico$2,638/YearNevada$1,444/YearNew York$1,777/YearOhio$2,144/YearOklahoma$5,749/YearOregon$1,741/YearPennsylvania$1,886/YearRhode Island$1,932/YearSouth Carolina$2,668/YearSouth Dakota$3,374/YearTennessee$3,045/YearTexas$3,844/YearUtah$1,792/YearVirginia$2,135/YearVermont$1,247/YearWashington$1,596/YearWisconsin$1,648/YearWest Virginia$1,886/YearWyoming$1,885/YearShow moreShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. In case you missed it What is condo (HO-6) insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2025 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance rates? Mobile home insurance cost and coverage in 2025 Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance in 2025 How much flood insurance do I need? How to bundle home and auto insurance policies to save money The largest home insurance companies by market share Home insurance discounts for cheaper rates How much does dog liability insurance cost and do you need it? Do you have an emergency go-bag? Most Americans don’t 1/1 Related Articles Cost of living calculator By Nupur Gambhir Mobile home insurance cost and coverage in 2025 By Chris Kissell Best renters insurance companies in 2025 By Shivani Gite How to prevent tornado damage By Ashlee Tilford Does homeowners insurance cover code upgrades? By Nupur Gambhir Homeowners insurance rates by state in 2025 By Jake Safane On this page Average home insurance cost in Arizona by coverage levelBest homeowners insurance companies in ArizonaAverage homeowners insurance cost by company in ArizonaArizona homeowners insurance rates by ZIP codeHome insurance rate trend in ArizonaResources & methodology ZIP Code Please enter valid ZIP See rates