Cheapest homeowners insurance in Arizona 2022

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Finding the cheapest home insurance in Arizona requires getting quotes from multiple home insurance companies.

Home insurance companies don’t devise rates in all the same way. One may put a greater emphasis on one metric, such as a home’s claims history, while not caring as much about another, such as a person’s credit. That’s one reason why it pays to get quotes from multiple insurance companies.

We found that Nationwide has the cheapest homeowners insurance rates in Arizona with an average annual premium of $1,347 or $112 per month for $300,000 dwelling and $300,000 liability coverage with a $1,000 deductible.

Let’s take a look at the cheapest homeowners insurance in Arizona and how to find the best home insurance rates.

Key Takeaways

In Arizona, the cheapest homeowners insurance is offered by Nationwide at $1,347 per year for $300,000 dwelling coverage, $300,000 liability protection and $1,000 deductible.
The zipcode 85614 in Arizona offers the homeowners insurance at the cheapest rate of $1,564 per year.

Cheap homeowners insurance companies in Arizona

Home insurance costs are a vital part of finding a homeowners insurance policy. Who has the cheapest homeowners insurance in Arizona?

Nationwide, Allstate and Travelers are the cheapest homeowners insurance companies in Arizona, on average.

Here are average Arizona homeowners insurance rates for a policy with $300,000 dwelling coverage and $300,000 liability protection with a $1,000 deductible.

Company	Average annual premium	Average monthly premium
Nationwide	$1,347	$112
Allstate	$1,350	$112
Travelers	$1,429	$119
USAA	$1,432	$119
Amco	$1,467	$122
Garrison	$1,638	$136
LM Insurance	$1,701	$142
Farmers	$1,976	$165
State Farm	$2,115	$176
Safeco	$2,176	$181
American Family	$2,363	$197
Foremost	$3,010	$251
First Liberty	$4,135	$345

Compare cheap homeowners insurance in Arizona by ratings

It’s a smart move to shop around to look for cheap homeowners insurance and compare policies and coverages from different insurance providers carefully. Here we have compared the cheapest home insurance companies in Arizona based on J.D. power score and AM Best ratings that help you to choose the best among the options available.

Company	J.D. Power score	AM Best rating
USAA	882	A++
State Farm	835	A++
American Family	831	A
Allstate	829	A+
Farmers	813	A
Nationwide	812	A+
Safeco	810	A
Liberty Mutual	806	A
Travelers	800	A++

How much is home insurance in Arizona

The average cost of homeowners insurance in Arizona is $1,976 for $300,000 dwelling and $300,000 liability with a $1,000 deductible. The average Arizona home insurance costs are $329 less than the national average.

Average annual premium	Average monthly premium
$1,976	$165

Multiple factors play a role in homeowners insurance cost, including:

Location, including ZIP code
Level of coverage
Home construction and age
Your claims history
Your home’s claims history
The area’s claims history
Deductible
Credit history

Cheapest homeowners insurance in Arizona by ZIP code

85614 has the cheapest homeowners insurance, among large cities surveyed, with average rate of $1,564 per year, which is $130 per month. Here are how Arizona cities rank for average home insurance rates:

ZIP code	Average annual premium	Average monthly premium
85614	$1,564	$130
85367	$1,662	$138
85356	$1,679	$140
85375	$1,682	$140
85350	$1,685	$140
85365	$1,688	$141
85364	$1,692	$141
85263	$1,704	$142
86023	$1,707	$142
86331	$1,710	$142
86045	$1,714	$143
85347	$1,715	$143
86001	$1,717	$143
86323	$1,722	$144
86305	$1,723	$144

How much is home insurance in other states

Alaska$1,799/Year

Alabama$2,981/Year

Arkansas$3,439/Year

California$1,166/Year

Colorado$3,082/Year

Connecticut$1,961/Year

Washington D.C.$1,488/Year

Delaware$1,521/Year

Florida$3,439/Year

Georgia$2,555/Year

Hawaii$499/Year

Iowa$2,540/Year

Idaho$1,842/Year

Illinois$2,201/Year

Indiana$2,423/Year

Kansas$3,931/Year

Kentucky$2,862/Year

Louisiana$3,270/Year

Massachusetts$1,920/Year

Maryland$1,518/Year

Maine$1,833/Year

Michigan$2,153/Year

Minnesota$3,010/Year

Missouri$3,111/Year

Mississippi$3,340/Year

Montana$2,809/Year

North Carolina$2,009/Year

North Dakota$2,601/Year

Nebraska$3,133/Year

New Hampshire$1,455/Year

New Jersey$1,744/Year

New Mexico$2,299/Year

Nevada$1,486/Year

New York$1,840/Year

Ohio$2,107/Year

Oklahoma$4,445/Year

Oregon$1,608/Year

Pennsylvania$1,720/Year

Rhode Island$2,125/Year

South Carolina$2,678/Year

South Dakota$3,172/Year

Tennessee$2,692/Year

Texas$3,429/Year

Utah$1,378/Year

Virginia$1,956/Year

Vermont$1,212/Year

Washington$1,514/Year

Wisconsin$1,732/Year

West Virginia$2,486/Year

Wyoming$2,083/Year

Les Masterson

Contributor

Les, a former managing editor, insurance, at QuinStreet, has more than 20 years of experience in journalism. In his career, he has covered everything from health insurance to presidential politics.