Arizona homeowners insurance calculator

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Homeowners in Arizona pay an average of $2,344 annually for home insurance. However, your actual premium will be determined by where you live, what it would cost to rebuild, the coverage limits you choose, and your deductible.

If you’re looking for a quick estimate, our Arizona homeowners insurance calculator shows how your dwelling coverage, liability limits, and deductible levels each affect your premium. You can also see how different insurers compare against each other and against the state average.

Whether you’re in the process of buying a home, taking a fresh look at your existing policy, or simply trying to find a better rate, the calculator gives you a useful reference point before you start reaching out for quotes.

How can I lower my homeowners insurance premium in Arizona?

Get quotes from more than one insurer – pricing for the same level of coverage can vary considerably from provider to provider.
Look at raising your deductible – a higher amount out of pocket in a claim generally results in a lower annual premium.
Combine your home and auto insurance with one provider to qualify for a multi-policy discount.
Consider installing safety features such as smoke alarms, deadbolt locks, or a monitored security system, which many insurers recognize with a discount.

How to use the Arizona home insurance calculator

Our calculator is built to give you a fast, personalized cost estimate for homeowners insurance in Arizona. Enter a few key details, and you’ll have a working figure in minutes. Here’s how:

Select your state. Choose Arizona to pull rates relevant to your location.
Enter your dwelling coverage amount. This reflects what it would cost to fully rebuild your home.
Choose your liability limit. This covers you if someone is injured on your property or you accidentally damage someone else’s belongings.
Set your deductible. The amount you’d pay out of pocket before your policy kicks in.

Once you’ve filled in your details, the calculator will display:

The average annual homeowners insurance rate in Arizona
The highest and lowest rates found in our data
A list of insurers in Arizona alongside their typical annual premiums

It’s a practical way to get a cost estimate and size up your options.

Arizona home insurance calculator

See how the average annual home insurance rates vary with the options chosen.

State

Arizona

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Dwelling coverage

Liability coverage

Deductible

Standard ($1000)

Standard ($2500)Standard ($1000)

Average annual home insurance rates in
Arizona

$2,344 Average rate

Average rate

$2,344/Yr

Lowest rate

$1,505/Yr

Highest rate

$3,010/Yr

Rates by carriers in Arizona

Company	Average annual rate
State Farm	$1,505
USAA	$2,017
Allstate	$2,410
Farmers	$2,523
Nationwide	$2,605
American Family	$2,844
Travelers	$3,010

Methodology

Insure.com commissioned Quadrant Information Systems to analyse home insurance rates from major insurers in the U.S. The analysis includes over 37 million quotes from 134 companies across more than 34,000 ZIP codes, using standardized coverage levels to calculate national averages. The homeowner profile is a 35-year-old married applicant with excellent insurance score; new business HO3 policy for house built in 2000 with frame construction and composition roof. Other Structures: 10%. Loss of Use defaulted: 10%. Guest Medical limit: $5,000. Deductible limit: $1,000. Personal property: 50% of dwelling coverage for replacement value

Key Takeaways

The average cost of homeowners insurance in Arizona is $2,344 per year, cheaper than the national average of $2,543.
Your premium will vary based on your home’s location, age, size, rebuilding cost and the coverage limits you choose.
Standard homeowners policies don’t cover floods, earthquakes or other climate-related disasters – you’ll need separate coverage if you live in a high-risk area.
Rates vary significantly by insurer, so comparing quotes is one of the most effective ways to lower your premium.

What affects your homeowners insurance premium?

Your premium is determined by a mix of property-specific and personal factors, including where your home is located, how it was built, your claims history, and the coverage selections you make.

Dwelling coverage. Reflects the estimated expense of rebuilding your home, factoring in square footage, construction materials, and local labor and material costs.
Liability coverage. Protects you financially if someone sustains an injury on your property or you’re held responsible for damaging someone else’s property.
Deductible. The amount you pay out of pocket before your insurer covers the remainder of a claim. A higher deductible reduces your premium but increases your exposure when a claim occurs.

Check your credit score

Some states allow insurers to factor in a credit-based insurance score when pricing policies, and the impact can be significant. Where permitted, maintaining a solid credit profile – keeping debt manageable and paying bills on time – can translate directly into a more affordable premium at renewal.

How does dwelling coverage affect homeowners insurance in Arizona?

Dwelling coverage is what funds the repair or rebuilding of your home after a covered loss. The coverage amount you select has a direct bearing on your premium – higher coverage generally means higher costs. That said, it’s important to choose an amount that would genuinely cover a full rebuild, so you’re not left short if a major loss occurs.

The table below shows average annual and monthly premiums at various dwelling coverage levels.

Dwelling coverage	Average annual rate	Average monthly rate
$200,000	$1,821	$152
$300,000	$2,344	$195
$400,000	$2,875	$240
$600,000	$3,985	$332
$1,000,000	$5,521	$460

Average cost of homeowners insurance in Arizona

Homeowners in Arizona pay an average of $2,344 per year for home insurance, which is cheaper than the national average of $2,543.

That figure is based on a standard policy with:

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

Your actual premium could be higher or lower depending on your home’s location, age, size, and estimated rebuilding cost.

Average cost of home insurance in major Arizona cities

Homeowners insurance isn’t priced the same across Arizona. Rates in Surprise are among the most affordable in the state, while homeowners in Phoenix face significantly higher premiums.

The table below outlines average annual rates across major cities in Arizona.

City	Average annual rate	Average monthly rate
Chandler	$2,300	$192
Gilbert	$2,192	$183
Glendale	$2,249	$187
Mesa	$2,418	$202
Peoria	$2,227	$186
Phoenix	$2,644	$220
Scottsdale	$2,594	$216
Surprise	$2,038	$170
Tempe	$2,532	$211
Tucson	$2,195	$183

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 do natural disasters affect homeowners insurance rates in Arizona?

The natural hazard risk associated with your home’s location is a key factor in how insurers price your policy. Homes in areas with frequent flooding, wildfire activity, hurricanes, or tornadoes are considered higher risk and typically come with higher premiums as a result.

What’s equally important to understand is that standard home insurance policies don’t cover these events. Depending on where you live in Arizona, you may need to purchase separate policies or endorsements for:

Flooding
Wildfires
Hurricanes
Tornadoes

The added cost of this coverage is real, but so is the financial exposure of going without it after a serious disaster.

What our expert says

Q: What additional coverage should homeowners buy?

Amy BachExecutive Director of United Policyholders

“For those who live near any body of water or at the base of a hill, get a quote for flood insurance.”

Frequently asked questions

What is the average cost of homeowners insurance in Arizona?

Homeowners in Arizona pay an average of $2,344 per year. Your actual rate will depend on your home’s location, age, construction, replacement cost, and the coverage limits and deductible you choose.

How much homeowners insurance coverage do I need in Arizona?

Your dwelling coverage should be enough to fully rebuild your home after a total loss. For liability, choose a limit that covers your assets in case you’re held responsible for someone’s injuries or property damage. If you own valuable property or have significant savings, higher limits and endorsements are worth considering.

Does increasing my deductible lower homeowners insurance costs?

Yes – a higher deductible means a lower premium, since you’re taking on more of the upfront cost before coverage kicks in. Just make sure the deductible you choose is an amount you can realistically afford to pay if you need to file a claim.

Methodology

Insure.com commissioned homeowners insurance rates from Quadrant Data Services in late 2025, covering policies with dwelling coverage ranging from $200,000 to $1 million and liability coverage of $100,000 and $300,000. Sample rates were based on a $1,000 deductible and a 2% hurricane deductible where applicable.

Calculate home insurance premium in other states

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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.