Home insurance in Arizona costs about $209 monthly or $2,513 annually on average. Residents pay $10 less per month, or $121 less annually, than the national average, making it the 19th most affordable state for home insurance.
Average Home Insurance Cost in Arizona
Updated: May 29, 2025
Advertising & Editorial Disclosure
Get Free Arizona Home Insurance Estimates
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — It's free to use, requires no personal information and we won't send you any spam.
0
High
0
Average
0
Low
Rates updated:
Jun 06, 2025
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Key Takeaways
Depending on your financial history, home details and other personal information, home insurance costs in Arizona can range from $1,631 to well over $35,200.
Arizona's home insurance premiums are the 19th most affordable in the country, at 5% below the national average.
To find the best home insurance in Arizona, find what coverage you need beforehand, research costs and discounts in your area and shop around.
How Much Is Home Insurance in Arizona?
| Arizona Average | $209 | $2,513 | -5% |
| National Average | $220 | $2,635 | 0% |
*These rates represent a home built in 2000 out of frame with $250K Dwelling, $125K Personal Property and $200K Liability coverage with a $1,000 deductible.
Average Home Insurance Cost by City
Depending on your city, various risk factors (such as your property’s age, weather-related factors, and home valuations) change drastically and affect home insurance costs. For example, the average monthly home insurance cost in Chandler is around $184; in Phoenix, it’s much higher at $224.
| Chandler | $184 | $2,209 |
| Gilbert | $189 | $2,263 |
| Glendale | $189 | $2,264 |
| Mesa | $202 | $2,418 |
| Peoria | $182 | $2,184 |
| Phoenix | $224 | $2,689 |
| Scottsdale | $199 | $2,385 |
| Surprise | $172 | $2,063 |
| Tempe | $207 | $2,481 |
| Tucson | $192 | $2,301 |
*These rates represent a home built in 2000 out of frame with $250K Dwelling, $125K Personal Property and $200K Liability coverage with a $1,000 deductible.
Why Is Home Insurance So Expensive in Arizona?
Home insurance is expensive in Arizona mainly because of the increasing number of claims, the high risk of severe weather and natural disasters, rising material and labor costs, and state insurance laws. Below, we explain each factor in detail:
Rising Claims
When claim frequency increases, insurers adjust premiums to cover losses. More claims suggest higher risk, leading to increased costs for policyholders to make sure the company can sustain payouts.
High Weather Risks
Areas prone to severe weather, such as hurricanes or wildfires, present greater risk to insurers. This translates to higher premiums to offset potential claim payouts resulting from weather-related damage.
Rising Material and Labor Costs
As the cost of building materials and labor rises, so does the cost to repair or rebuild homes. Insurers raise premiums to cover these higher expenses in the event of a claim.
State Insurance Laws
State-specific insurance regulations can affect insurance costs. Mandates on coverage requirements or rate changes can lead to higher premiums for homeowners to comply with these laws.
What Affects Arizona Home Insurance Costs?
Like with most home insurance companies, pricing is mainly influenced by these factors:
- Location
- Coverage chosen
- Home build details
- Provider chosen
- Credit
- Claims history
We'll explore how these elements impact rates in Arizona.
How Much Does Location Affect Home Insurance Costs?
Location is the biggest factor affecting home insurance rates in Arizona, with rates varying by up to 16%. Weather risks, home value and population density in your area play a major role in determining costs.
| Lowest | Arizona State Remnant Tier Aggregate | $173 | $2,073 |
| Highest | Phoenix | $238 | $2,857 |
How Much Does Coverage Affect Home Insurance Costs?
Coverage choices are the second most influential factor in Arizona home insurance rates, averaging from $1,283 to $7,533 per year. Higher coverage limits and lower deductibles increase premiums, while lower limits and higher deductibles reduce costs.
| Lowest | $100K Dwelling / $50K Personal Property / $100K Liability | 2000 | $107 | $1,283 |
| Highest | $1MM Dwelling / $500K Personal Property / $1MM Liability | 500 | $628 | $7,533 |
How Much Do Home Details Affect Home Insurance Costs?
Depending on home details like age, construction materials and roof type, homeowners insurance rates in Arizona can range from $86 to $213 per month. These factors affect replacement costs and the risk of damage or theft, making home details the third most influential factor for insurance rates.
| Lowest | New | Superior | Tile | $86 | $1,032 |
| Highest | Old | Frame | Shake-Treated | $213 | $2,553 |
How Much Does the Provider You Choose Affect Home Insurance Costs?
Your choice of insurer is the fourth most influential factor in Arizona home insurance rates, with prices ranging from 41% below to 164% above the state average. Choosing wisely can result in substantial savings, so it's worth shopping around.
| Lowest | State Farm | $118 | $1,414 |
| Highest | Travelers | $528 | $6,338 |
How Much Does Credit Affect Home Insurance Costs?
A higher credit score makes you appear more reliable, which can lower your home insurance costs. Premiums vary by up to 132%, with annual average rates ranging from $1,417 to $11,734.
| Lowest | Excellent | $118 | $1,417 |
| Highest | Poor | $978 | $11,734 |
How Much Does Claims History Affect Home Insurance Costs?
In Arizona, claims history has a smaller impact on homeowners insurance premiums than other factors, affecting rates by up to 8% or about $547 annually. Filing more claims increases perceived risk, leading to higher premiums.
| Lowest | Claim free for 5+ years | $200 | $2,401 |
| Highest | 2 claims in past 5 years | $246 | $2,948 |
Tips to Save on Arizona Home Insurance
With Arizona's high home insurance costs, saving on premiums is key when buying a home or cutting expenses. Below are tips to help you secure the best and cheapest home insurance in Arizona tailored to your needs.
- 1
Find How Much Coverage You Need Beforehand
Determining how much home insurance you need before buying allows you to frame how you search for coverage and avoid being oversold by agents. In addition to standard coverage options, consider if you need add-ons to protect any additional items you own.
- 2
Research Costs and Discounts Beforehand
To determine whether you’re getting a good deal, understand the average costs for you and your home. Also, ask agents about all available home insurance discounts, as some insurers apply certain reductions only if requested.
- 3
Compare Multiple Providers Through Different Avenues
Compare multiple insurers apples to apples to find the best coverage for your needs. Use various methods, including online comparison sites, brokers, provider websites, and agents, as quotes vary significantly across these channels.
- 4
Consider Bundling Policies
Bundling policies can lead to significant savings. For example, bundling home and auto insurance in Arizona can reduce premiums for both policies.
- 5
Reduce Your Personal Risk Profile
To get cheaper premiums on your home, consider making improvements like adding storm shutters or home security systems. Also, improving your credit score can decrease premiums drastically. For example, moving from a fair to a good credit score can save you 28% on average.
- 6
See if You Are Eligible for State Programs
Look into state programs that may help if you're denied traditional home insurance coverage. For instance, residents can benefit from specific policies that ensure you're covered even when traditional insurers deny your application. These programs might offer limited coverage but can still fulfill mortgage requirements.
Arizona Home Insurance Calculator: Bottom Line
Home insurance costs vary, mainly by where you live and how much coverage you get. Find affordable rates easily by checking what you need, comparing prices and using our tool to get the best deal.
Homeowners Calculator Insurance Arizona: FAQ
Home insurance costs in Arizona vary depending on several factors. To help estimate your expenses, MoneyGeek answers common questions about home insurance costs in Arizona.
How much does homeowners insurance cost in Arizona?
Arizona's average monthly home insurance cost is $209 for a dwelling coverage of $250K. However, your rate will depend on factors like your credit score, liability and property coverage limits, and deductible.
How do I know how much dwelling coverage to get?
Homeowners can estimate their required dwelling coverage by calculating the cost to replace their home after damage, often with help from an appraiser. While this study uses a baseline coverage of $250K, the MoneyGeek homeowners insurance calculator is a resource to determine the optimal coverage limit for your individual needs.
What factors affect home insurance costs the most?
The biggest factors affecting home insurance costs are your location, chosen coverage level, and provider. Your credit score and home details can also influence your premium.
How We Determined Our Arizona Home Insurance Estimates
When determining the average cost of home insurance in Arizona, we used a base profile for a simple estimate consistent with the following:
- $250,000 dwelling coverage
- $125,000 personal property coverage
- $200,000 liability coverage
- Home Built Year: 2000
- Construction type: Frame
- Roof type: Composition
- $1,000 deductible
- No claims in the past 5+ years
- Fire protection level of 3
However, rates will vary widely depending on factors such as coverage level, provider chosen, the age of the home, other features of the home, insured credit and claims history, among other factors. All other combinations presented in this article assume the home was built in 2000.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.