insure logo

Why you can trust Insure.com

quality icon

Quality Verified

At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain our editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria.

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.

CompanyAverage annual premiumAverage 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.

CompanyJ.D. Power scoreAM Best rating
USAA882A++
State Farm835A++
American Family831A
Allstate829A+
Farmers813A
Nationwide812A+
Safeco810A
Liberty Mutual806A
Travelers800A++

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 premiumAverage 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 codeAverage annual premiumAverage 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

Know 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
Show more
author image
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.

Go To Top