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: November 6, 2025
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$220
High
$144
Average
$104
Low
Rates updated:
Dec 15, 2025
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Key Takeaways
Depending on your financial history, home details and other personal information, home insurance costs in Arizona range from $1,631 to $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 $250,000 dwelling, $125,000 personal property and $200,000 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 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 $250,000 dwelling, $125,000 personal property and $200,000 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?
Pricing is affected by:
- Location
- Coverage chosen
- Home build details
- Provider chosen
- Credit
- Claims history
How Much Does Location Affect Home Insurance Costs?
Location is the biggest factor affecting home insurance, with rates varying by up to 16%. Weather risks, home value and population density also determine 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 influence 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.
| 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 impacts home insurance rates, with prices ranging from 41% below to 164% above the state average.
| Lowest | State Farm | $118 | $1,414 |
| Highest | Travelers | $528 | $6,338 |
How Much Does Credit Affect Home Insurance Costs?
A higher credit score 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 affects 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
There are tips to help you secure the best and cheapest home insurance in Arizona.
- 1Find How Much Coverage You Need Beforehand
Determining how much home insurance you need before buying allows you to avoid being oversold by agents. In addition to standard coverage options, consider if you need add-ons.
- 2Research Costs and Discounts Beforehand
To determine whether you’re getting a good deal, understand the average costs for you and your home.
- 3Compare Multiple Providers Through Different Avenues
Compare multiple insurers apples to apples to find the best coverage for your needs.
- 4Consider Bundling Policies
Bundling home and auto insurance in Arizona can reduce premiums for both policies.
- 5Reduce Your Personal Risk Profile
To get cheaper premiums on your home, consider making improvements like adding storm shutters or home security systems.
- 6See 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
Arizona homeowners face unique insurance challenges from extreme heat that damages roofs, monsoon season flooding, and wildfire risk in forested areas that create complex pricing across the state. We built this analysis to show you what factors affect your premiums most and how you can find coverage that protects your home without overpaying.
We collected rate data from major insurers operating in Arizona and analyzed premiums across the variables that create the biggest price differences: coverage levels, provider choice, home construction details, credit scores, claims history, and location.
We started with a home built in 2000 using frame construction with composition roofing, requiring $250,000 in dwelling coverage, $125,000 in personal property coverage, and $200,000 in liability coverage. We used a $1,000 deductible, a claims-free history spanning five years, and a fire protection level of 3. This represents typical coverage for Arizona's median home value and construction standards.
From there, we adjusted variables one at a time to isolate their impact on premiums. We tested coverage levels ranging from lower to higher dwelling protection amounts, compared rates across different home ages and construction materials, analyzed premium differences across credit score ranges, examined how filing claims affects future rates, and evaluated pricing variations between insurance providers.
Arizona's intense sun and occasional hail make roof type and construction material
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.