Average homeowners insurance cost in Arizona

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The average cost of home insurance in Arizona is $2,468 per year for a standard policy.

Your premium is shaped by the dwelling coverage limit you select and the level of protection you need. Broader coverage generally means a higher cost. Higher coverage means higher premiums. State Farm stands out for its more affordable rates in the state, offering solid value as you weigh different levels of coverage.

Compare quotes from multiple insurers and ask each one what discounts they offer. Premiums can differ significantly from company to company because they weigh things like where your home is located, how old it is, what it’s built from, the shape your roof is in, and your past claims. Pulling several quotes tied to your specific address is the surest way to spot the best value.

Key Takeaways

Based on our data, homeowners insurance in Arizona costs an average of $2,468 per year.
Among all ZIP codes in Arizona, 85349 has the most affordable rates, averaging around $1,922 annually.
For the lowest insurer rates in Arizona, State Farm comes in at an average annual premium of $1,573.

What is the average cost of homeowners insurance in Arizona?

The average homeowners insurance premium in Arizona is $2,468 annually for 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 $2,468 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 $3,038 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 $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

Average home insurance cost in Arizona by insurer

The most affordable homeowners insurance in Arizona comes from State Farm, which averages $1,573 per year. American Family and Nationwide are also worth considering.

Shopping around can save you hundreds, or more, each year.

Below are average annual and monthly premiums for Arizona homeowners, based on a policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

Company	Average annual rate	Average monthly rate
State Farm	$1,573	$131
American Family	$1,757	$146
Nationwide	$1,826	$152
Allstate	$2,468	$206
Farmers	$3,178	$265
Travelers	$7,191	$599
USAA*	$1,942	$162

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

How to lower your home insurance rate

Shop around. The first quote you receive is rarely the best one. Getting estimates from at least three or four insurers gives you a clearer picture of what’s available in Arizona.
Bundle your policies. Combining home and auto insurance, or renters and auto, with the same provider is one of the most common ways to unlock multi-policy discounts.
Ask about smart home discounts. Security systems, smoke detectors, and leak sensors are the kinds of upgrades that can bring your premium down.
Check for other savings. Loyalty discounts, claims-free rewards, and home improvements like fire-resistant roofing are worth asking about at renewal.

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

Your ZIP code shapes your home insurance rate by showing insurers the risk tied to your location. Higher crime, greater exposure to natural disasters, and steeper rebuilding costs all push an area into higher-risk territory-and premiums rise accordingly.

Below, see the most and least expensive ZIP codes for home insurance in Arizona.

Most affordable ZIP codes for home insurance in Arizona

85349 has the lowest average home insurance rates in Arizona, with homeowners paying around $1,922 per year.

Home insurance rates aren’t uniform across Arizona. Your ZIP code, in particular, is one of the biggest reasons prices differ from one area to the next.

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

ZIP code	Average annual rate	Average monthly rate
85349	$1,922	$160
85350	$1,935	$161
85364	$1,949	$162
85367	$1,983	$165
85365	$2,019	$168
85356	$2,035	$170
85614	$2,047	$171
85622	$2,062	$172
85328	$2,101	$175
85325	$2,103	$175

Most expensive ZIP codes for home insurance in Arizona

85931 carries the highest average home insurance rates in Arizona, at $3,911 per year.

ZIP codes with higher premiums typically reflect a combination of elevated crime, greater natural disaster exposure, and higher local costs of living and construction.

Below are average rates for some of the most expensive ZIP codes in Arizona.

ZIP code	Average annual rate	Average monthly rate
85931	$3,911	$326
86018	$3,689	$307
86017	$3,622	$302
85927	$3,520	$293
86016	$3,482	$290
85073	$3,417	$285
85923	$3,351	$279
85190	$3,350	$279
85930	$3,330	$277
85911	$3,285	$274

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

What are the best homeowners insurance companies in Arizona?

Our data points to American Family as the best overall pick in Arizona, thanks to its AM Best rating of A and one of the lowest NAIC complaint scores in the state.

We ranked insurers using two measures that matter most when you’re counting on coverage:

AM Best Ratings reflect financial strength-essentially, how confidently a company can cover claims.
NAIC Complaint Scores track complaints in proportion to a company’s size, so a lower number means fewer headaches for policyholders.

Combined, they offer a clear read on whether an insurer is both financially sound and easy to deal with. In the table below, you’ll find the top companies in Arizona compared by annual premium, financial rating, and complaint history.

Company	Average annual premium	AM Best rating	NAIC Complaint Index	Overall score
American Family	$1,757	A	0.37	5
Travelers	$5,940	A++	0.54	4.83
Farmers	$3,178	A	0.54	4.2
Nationwide	$1,826	A+	0.87	3.95
State Farm	$1,573	A++	0.95	3.93
Allstate	$2,468	A+	0.9	3.7

How to understand insurer ratings and complaint data

Picking an insurer really comes down to whether they pay when you file a claim, and whether they treat you well along the way. You don’t have to guess – independent rating agencies track this data so you can choose with confidence, whether you’re signing up or renewing.

These are the two ratings we’ve used:

AM Best is a global agency that scores insurers on their financial strength and ability to pay claims. The higher the rating, the more stable the company.
NAIC Complaint Index, run by the National Association of Insurance Commissioners, tracks consumer complaints. A score of 1.00 is the industry average; below 1.00 means fewer complaints than expected for the company’s size, and above 1.00 means more.

What factors affect your home insurance rate?

Insurers price home insurance based on the level of risk your property and profile represent. They decide that based on:

Where you live. Local crime rates, weather exposure, and claims frequency in your neighborhood all influence your rate.
Your claims history. A history of past claims typically results in a higher premium.
Your credit-based insurance score. In most states, a lower credit score can mean a higher premium (Restricted in some states, like California and Massachusetts).
Your coverage limits and deductible. Higher coverage or a lower deductible will increase what you pay.

It’s also worth noting that home insurance costs have been rising broadly. According to S&P Global Market Intelligence’s RateWatch application, premiums for owner-occupied homes climbed more than 11% nationwide in 2023.

Resources & methodology

Source

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

Methodology

Insure.com worked with Quadrant Information Services 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 deductible

We 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.

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.