Average homeowners insurance cost in Tucson, AZ

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In Tucson, homeowners pay an average annual rate of $2,401 (for the coverage level of $300,000 for dwelling, $100,000 for liability protection, and $1,000 deductible), according to Insure.com’s rate analysis. It’s $181 less than the national average of $2,582.

Homeowners insurance rates change from one home to another. The home insurance premium in Tucson depends on various factors, such as:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

To ensure you secure the best homeowners insurance policy, compare quotes from multiple insurers, enabling you to find the right coverage that aligns with your specific requirements.

Read this guide to learn how much homeowners insurance costs monthly in Tucson, what home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in Tucson.

Key takeaways

The average cost of homeowners insurance in Tucson is $2,401 per year.
State Farm is the cheapest homeowners insurance company in Tucson with an average annual premium of $1,511.
If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $545 more a year for home insurance.

Average homeowners insurance cost in Tucson per month

Residents of Tucson pay an average of $200 a month for homeowners insurance, as per Insure.com’s rate analysis. It’s $6 less than the state average of $206 and $15 less than the national average for home insurance across the United States.

The cost of your homeowners insurance policy in Tucson may change based on location, property value, and selected coverage options.

Average homeowners insurance cost for a $200,000 house in Tucson

In Tucson, AZ, homeowners pay an average of $1,856 annually for a $200,000 home. The annual cost of home insurance is influenced by factors such as the risk of natural disasters in your area.

Regions more susceptible to natural disasters, such as floods, hurricanes, or tornadoes, typically face higher rebuilding costs, leading to increased insurance premiums. It is important to understand that standard insurance policies might not cover damages caused by floods or hurricanes. If you live in a flood-prone area, it is advisable to purchase flood insurance.

Average homeowners insurance cost for a $300,000 house in Tucson

Based on a rate analysis conducted by Insure.com, Tucson residents pay an average of $2,401 per year to insure a home for coverage limits of $300,000 dwelling, $100,000 liability with a $1,000 deductible. If you plan to increase your dwelling coverage from $200,000 to $300,000, you must pay an additional $545 per year for home insurance.

Buying adequate insurance to cover the entire expense of rebuilding your home is best advisable. However, the amount of dwelling coverage you need may vary depending on your home’s size, amenities, and the cost of living in your area.

Average homeowners insurance cost in Tucson by company

Among the carriers analyzed, State Farm is the most affordable homeowners insurance company in Tucson. It’s average annual rate for homeowners in Tucson is $1,511.

Nationwide, ranks second and American Family makes it to the third spot with an average annual home insurance rate of $1,767.

Research on the company is essential before selecting a homeowners insurance policy. Insure.com has thoroughly examined all insurance companies operating in Tucson and compiled a list of the most affordable home insurance companies.

Below are details of Tucson home insurance companies and their average annual premiums.

Home Insurance Company	Annual rate
State Farm	$1,511
Nationwide	$1,621
American Family	$1,767
Allstate	$2,208
Travelers	$5,603
Farmers	$3,163
USAA*	$1,850

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Tucson for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.