Average homeowners insurance cost in Arizona

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Homeowners in Arizona pay an average of $2,318 per year for a standard home insurance policy.

The coverage limit you choose for your dwelling has a major impact on your premium. More protection generally means a higher cost. Higher coverage means higher premiums. State Farm offers some of the lowest rates in the state, making it a good starting point when comparing your options.

Don’t settle for the first quote – reach out to several insurers and dig into available discounts. Since rates hinge on details like your location, the age and construction of your home, your roof’s condition, and your claims history, the prices you’re offered can swing a lot. Getting address-specific quotes from a handful of companies puts you in the best position to land a great rate.

Key Takeaways

Homeowners insurance costs an average of $2,318 a year, based on our data.
Of all the ZIP codes in Arizona, 85349 has the most affordable home insurance rates at around $1,777 annually.
In Arizona, State Farm provides the most affordable home insurance at an average annual premium of $1,456.

What is the average cost of homeowners insurance in Arizona?

The average homeowners insurance premium in Arizona is $2,318 per year. That figure is based on a policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

How much is home insurance in Arizona? Cost by coverage level

Homeowners insurance in Arizona costs $2,318 per year on average, based on a policy with $300,000 in dwelling coverage, $100,000 in liability, and a $1,000 deductible.

However, if you increase the dwelling coverage limit from $300,000 to $400,000, you will pay $2,848 per year for homeowners insurance in Arizona for $100,000 in liability protection and a $1,000 deductible.

The table below shows average homeowners insurance costs in Arizona for dwelling coverage from $200,000 to $1 million.

Coverage	Average annual rate	Average monthly rate
$200,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$1,800	$150
$200,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$1,821	$152
$300,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$2,318	$193
$300,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$2,344	$195
$400,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$2,848	$237
$400,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$2,875	$240
$600,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$3,954	$329
$600,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$3,985	$332
$1,000,000 with $2,500 Deductible and $200,000 Liability and None Hurricane	$5,465	$455
$1,000,000 with $2,500 Deductible and $300,000 Liability and None Hurricane	$5,521	$460

Average home insurance cost in Arizona by insurer

State Farm has the lowest average homeowners insurance premiums in Arizona at $1,456 per year. Allstate and Farmers also offer competitive rates worth comparing.

Taking the time to shop around can save you a significant amount each year.

The table below shows average annual and monthly rates from insurers in Arizona, based on $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

Company	Average annual rate	Average monthly rate
State Farm	$1,456	$121
Allstate	$2,364	$197
Farmers	$2,463	$205
Nationwide	$2,588	$216
American Family	$2,823	$235
Travelers	$2,948	$246
USAA*	$2,017	$168

*USAA is only available to military community members and their families.

How to lower your home insurance rate

Shop around. Don’t settle for the first quote. Compare rates from at least three to four insurers to find the best deal in Arizona.
Bundle your policies. Adding home and auto (or renters and auto) to the same provider often unlocks significant multi-policy discounts.
Ask about smart home discounts. Installing security systems, smoke detectors, or water leak sensors can reduce your premium.
Check for other savings. Ask about loyalty discounts, claims-free rewards, or upgrades like fire-resistant roofing.

How does your ZIP code affect home insurance rates in Arizona?

Where you live plays a major role in what you pay for home insurance. Your ZIP code signals the level of risk in your area, so places prone to crime, natural disasters, or costly rebuilds tend to come with higher premiums.

Here’s a look at the most and least affordable ZIP codes for home insurance across Arizona.

Most affordable ZIP codes for home insurance in Arizona

The lowest rates in Arizona are found in 85349, where homeowners pay an average of $1,777 per year.

Where you live in Arizona has a real impact on what you’ll pay for home insurance – and your ZIP code is one of the largest drivers of that difference.

Below are average homeowners insurance rates for some of the most affordable ZIP codes in Arizona.

ZIP code	Average annual rate	Average monthly rate
85349	$1,777	$148
85336	$1,804	$150
85350	$1,807	$151
85365	$1,832	$153
85357	$1,847	$154
85320	$1,859	$155
85352	$1,862	$155
85334	$1,886	$157
86406	$1,891	$158
85360	$1,897	$158

Most expensive ZIP codes for home insurance in Arizona

At the other end of the spectrum, 85931 has the highest average rates in Arizona at $4,082 per year.

Higher premiums in certain ZIP codes typically reflect greater exposure to crime, natural disasters, and elevated living and rebuilding costs.

Below are some of the most expensive ZIP codes for home insurance in Arizona.

ZIP code	Average annual rate	Average monthly rate
85931	$4,082	$340
86018	$3,557	$296
85927	$3,495	$291
86017	$3,414	$285
86016	$3,195	$266
85922	$3,187	$266
85930	$3,147	$262
85942	$3,089	$257
85923	$3,054	$255
85935	$3,035	$253

Home 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 city

See rates in your city

How has home insurance pricing shifted in Arizona?

From 2023 to 2025, home insurance rates in Arizona increase by 9%, mirroring the broader direction of the state’s insurance market over that period.

Here’s how rates have moved year over year since 2022:

2022 rates	2023 rates	2025 rates
$1,694	$2,122	$2,318

What are the best homeowners insurance companies in Arizona?

Based on our data, State Farm stands out as a top choice in Arizona. It earns an AM Best rating of A+ and one of the lowest NAIC complaint scores in the state-a combination that points to both financial stability and customer satisfaction.

To identify the most reliable insurers, we weighed two key metrics:

AM Best Rating, which evaluates a company’s financial strength and its ability to pay out claims.
NAIC Complaint Score, which reflects how many complaints a company receives relative to its size, so a lower score signals fewer problems.

Together, these metrics help you determine an insurer’s financial stability and customer satisfaction. The table below breaks down the best companies in Arizona by average annual premium, financial rating, and complaint history.

Company	Average annual premium	Am Best Rating	NAIC Complaint Index	Overall score
State Farm	$1,456	A+	1.15	4.7
Travelers	$2,948	A++	0.91	4.61
Allstate	$2,364	A+	1.26	4.57
Farmers	$2,463	A	0.89	4.47
Nationwide	$2,588	A	1.34	4.43
American Family	$2,823	A	1.07	4.42
USAA*	$2,017	A++	0.46	4.76

*USAA is only available to military community members and their families.

How to understand insurer ratings and complaint data

When choosing an insurer, you want to know if the company can pay your claim, and if customers are satisfied with it. Rating agencies track this data so you can make an informed decision at renewal.

Here are the two ratings that we have referred to:

AM Best: A global agency that rates insurers based on their financial strength and ability to pay claims. A higher score means the company is more financially stable.
NAIC Complaint Index: The National Association of Insurance Commissioners tracks consumer complaints. A score below 1.00 means fewer complaints than expected for a company of that size, while a score above 1.00 means more complaints than expected.

What factors affect your home insurance rate?

Home insurance rates come down to how much risk you represent to the insurer. The main factors they weigh:

Where you live. Local crime, weather risk, and how often neighbors file claims.
Your claims history. Past claims usually raise your rate.
Your credit-based insurance score. Weaker credit can mean a higher premium (restricted in some states, like California and Massachusetts).
Your coverage limits and deductible. More coverage or a lower deductible costs more.

Rates have also been climbing across the board. Home insurance premiums for owner-occupied homes rose more than 11% nationwide in 2023, according to S&P Global Market Intelligence’s RateWatch application.

Resources and Methodology

Sources:

S&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed August 2026.

Methodology

Insure.com worked with Quadrant Information Services to compile homeowners insurance data, analyzing 37,973,840 quotes from 75 company groups (134 companies) across 34,595 ZIP codes in all 51 states.

Rates are based on a sample homeowner profile with good credit and the following coverage:

$300,000 dwelling coverage
$100,000 liability protection
$1,000 deductible

The national average annual premium (non-hurricane deductible) is $2,543.

Company rankings factor in:

AM Best rating: 30%
NAIC score: 35%
Annual premium: 35%

All quoted rates are for comparison purposes and individual premiums may vary.

Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.