Updated: October 26, 2025
Advertising & Editorial Disclosure
Arizona homeowners pay $1,991 annually for home insurance in 2024. That's $432 below the national average of $2,423.
Credit rating impacts premiums more than any other factor we analyzed. Arizona homeowners with poor credit pay $8,175 more than those with excellent credit.
Your choice of insurance provider also affects premium costs. We've analyzed thecheapest policies in Arizona to help you find savings.
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.
Rates updated:
Oct 29, 2025
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Table of Contents
To establish the average cost of homeowners insurance in Arizona, MoneyGeek used quotes from various providers for a profile that reflects the average homeowner.
These rates reflect the average cost of home insurance in Arizona as of 2024.
Arizona's average homeowners insurance premium is $1,991 for policies with $250,000 in dwelling coverage, $125,000 in personal property coverage and $200,000 in liability coverage of the companies MoneyGeek surveyed. This is less than the national average of $2,423.
Base your coverage decision on the cost to rebuild your home and replace your belongings when you're figuring out how much coverage you need. A policy with $100,000 in dwelling coverage costs about $1,214 per year.
That increases to $3,206 annually for a home needing $500,000 in dwelling coverage. Your premium reflects what it costs to fully protect your property.
| $100K Dwelling / $50K Personal Property / $100K Liability | $1,214 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $1,991 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $3,206 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $4,394 |
Arizona homeowners see substantial price differences between insurers for identical coverage. One company might quote you $1,200 annually while another charges $2,000 for the same protection.
There are many great providers in Arizona. Each company evaluates risk differently, which affects what you'll pay for coverage.
| State Farm | $1,315 |
| Auto-Owners Insurance | $1,349 |
| American Family | $1,437 |
| Nationwide | $1,538 |
| USAA | $1,652 |
| Farmers | $1,844 |
| Allstate | $1,994 |
| Travelers | $4,799 |
Arizona homeowners with poor credit pay $9,384 annually for homeowners insurance, $7,393 more than the state average of $1,991. Homeowners with excellent credit pay $1,209 per year, which is $782 below the state average. Insurers assess risk based on credit scores, which directly affects your rates.
Improving your credit score takes time, but the effort lowers your insurance costs. Shop around for better rates now. Comparing insurers takes less than 15 minutes and helps you identify which provider will save you the most.
| Poor | $9,384 |
| Below Fair | $4,889 |
| Fair | $3,009 |
| Good | $1,991 |
| Excellent | $1,209 |
Your roof material affects homeowners insurance rates in Arizona. Tile roofs cost less to insure because of their durability. Homes with tile roofing average $1,894 in annual premiums, compared to $2,112 for homes with shake-treated roofs.
Your home's construction material also impacts insurance costs. Fire-resistant materials lower your risk and can reduce your premiums. Homes built with superior construction materials average $1,930 in annual premiums, while standard frame construction homes average $1,991.
Check the table below to see how your home's materials affect premiums.
| $100K Dwelling / $50K Personal Property / $100K Liability | $1,214 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $1,991 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $3,206 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $4,394 |
| $1M Dwelling / $500K Personal Property / $1M Liability | $5,683 |
New homes in Arizona cost less to insure than older ones. Modern materials and updated building codes reduce risk for insurers. New homes average $929 annually, $1,062 less than older homes. Review the table below for premium differences across coverage levels.
| Existing Construction (2000) | $1,991 |
| New Construction (2023) | $929 |
Arizona homeowners with no claims in the past five years pay $1,991 annually. File one claim and that increases to $2,323. Two claims raise the average to $2,434. That's a $332 increase for one claim and a $443 increase for two claims compared to claim-free homeowners.
| Claim free for 5+ years | $1,991 |
| 1 claim in past 5 years | $2,323 |
| 2 claims in past 5 years | $2,434 |
In Arizona, wildfires, earthquakes and flooding pose threats to homes. Homeowners insurance typically covers wildfire damage, which is the most costly peril in the state. However, flooding and earthquakes are not usually covered by standard policies. Homeowners may need to buy separate flood insurance for that.
Premiums in the cities we analyzed range from $1,743 to $2,143 annually. Phoenix homeowners pay around $2,143, while Surprise residents pay about $1,743. Location affects premiums because of varying risks like crime and weather. City-based premium differences can be substantial, though they're just one of many factors affecting rates.
| Chandler | $1,877 |
| Gilbert | $1,912 |
| Glendale | $1,917 |
| Mesa | $2,006 |
| Peoria | $1,850 |
| Phoenix | $2,143 |
| Scottsdale | $2,031 |
| Surprise | $1,743 |
| Tempe | $2,141 |
| Tucson | $1,858 |
Finding affordable home insurance in Arizona is easier than it seems. With a few smart strategies, you can save hundreds on your policy.
Assess how much coverage you need based on your home’s value, location, and potential risks.
Look at different prices from several insurers to find the best mix of cost and coverage.
Ask about bundle deals, loyalty rewards and other money-saving opportunities.
Research insurers with solid customer reviews and strong financial stability.
Pick the coverage that fits your budget and gives you the protection you need.
Buy your policy and review it each year to confirm it still matches your situation and coverage goals.
Arizona homeowners can save by bundling their home and auto insurance policies. MoneyGeek’s analysis shows the average multi-policy discount is around 11%, with residents saving between $127 and $426 on combined premiums. For more insights, check out MoneyGeek’s Best and Cheapest Home and Auto Bundle Companies in Arizona analysis.
Arizona homeowners can take advantage of several insurance discounts. Here are some of the most common:
To discover more ways to cut your costs, check out our guide on how to save with discounts. Ask about available savings when you request a quote. Many insurers offer them, but they’re not always automatic.
State Farm has the lowest average premium in Arizona at about $1,315 per year. For more options, explore cheap national providers to compare prices.
Yes. Most homeowners insurance policies in Arizona include coverage for wildfire damage. Wildfires are a frequent concern in many parts of the state.
Your credit score plays the biggest role in determining your homeowners insurance rate. Homeowners with excellent credit pay around $1,209 per year, while those with poor credit may pay closer to $9,384.
Bundling can reduce your overall premiums by as much as $426 on average. To compare potential savings, visit the best home-auto bundle in Arizona.
No. Standard homeowners insurance doesn’t include flood protection. You’ll need a separate flood policy through the National Flood Insurance Program, a private insurer or as an add-on from certain home insurance companies.
If you're shopping for homeowners insurance in Arizona, these resources can help you make confident, informed decisions. Whether you’re looking for official regulations, affordable coverage, or detailed policy information, the following tools offer reliable guidance:
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.
