The best home insurance companies in Arizona are American Family, State Farm, Nationwide, Farmers and Allstate. American Family excels in customer service, State Farm is the most affordable, and Nationwide offers the best coverage options. Compare all our top picks below.
Best Homeowners Insurance in Arizona
Updated: June 19, 2025
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Key Takeaways
According to our 2025 research, Arizona's top three home insurance providers are American Family, State Farm and Nationwide.
American Family offers the best overall home insurance for most homeowners in Arizona. If you have a newer home, State Farm could be a more suitable option.
To choose the best option, determine your coverage needs, research costs and company details, and compare multiple quotes.
Who Are the Best Home Insurance Companies in Arizona?
| American Family | 93 | 2 | 1 | 2 |
| State Farm | 92 | 1 | 2 | 3 |
| Nationwide | 80 | 3 | 4 | 1 |
| Farmers | 77 | 4 | 3 | 5 |
| Allstate | 68 | 5 | 5 | 3 |
*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your specific profile. The tables below use the same methodology.
Best Homeowners Insurance Companies by Category
Though the best home insurance rankings vary based on your unique needs or property type, our top picks offer a reliable guide. Below, we summarize the leading insurers across key categories.
| American Family | 93 | Overall |
| American Family | 93 | Older Homes |
| American Family | 93 | Newer Homes |
| American Family | 93 | High-Fire-Risk Areas |
| American Family | 93 | Bad Credit |
| American Family | 93 | With Claims History |
Best Arizona Home Insurance by City
Home insurance provider rankings in Arizona cities vary widely based on affordability, local customer service, and available add-on coverages. For example, American Family ranks best in Chandler, Gilbert, Mesa, Phoenix, Scottsdale, and Tempe. To help you choose the best provider for your area, we've outlined the top overall options for each city.
| Chandler | American Family | 93 |
| Gilbert | American Family | 93 |
| Glendale | American Family | 92 |
| Mesa | American Family | 93 |
| Peoria | American Family | 92 |
| Phoenix | American Family | 93 |
| Scottsdale | American Family | 93 |
| Surprise | American Family | 92 |
| Tempe | American Family | 93 |
| Tucson | American Family | 92 |
Best Arizona Home Insurance Reviews
Discover the leading home insurance providers in the Grand Canyon State as we spotlight those excelling in affordability, customer service and comprehensive coverage options.
State Farm: Best for Affordability
We found State Farm to be the most budget-friendly home insurance provider for most homeowners in Arizona. Along with strong rates, the company is also above the national average in customer service, placing seventh in customer satisfaction and eighth in claims satisfaction, according to J.D. Power. State Farm offers unique add-ons like underground utility coverage and extended replacement cost reimbursement.
Data filtered by:Results filtered by:
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Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
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Deductible:1000
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Credit Tier:Good
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Claims History:Claim free for 5+ years
| Newer Homes | $71 | $853 |
| Newer Homes in High-Fire-Risk Areas | $71 | $853 |
| Older Homes | $118 | $1,414 |
| Older Homes in High-Fire-Risk Areas | $118 | $1,414 |
American Family: Best for Customer Service
American Family is the second most affordable provider on our list of Arizona home insurance providers, and the top overall company. It not only has comparable rates, but also stands out in terms of customer service. It is one of the only providers who is in the top ten for both customer and claims satisfaction according to J.D. Power. Additionally, American Family offers matching siding protection, hidden water damage protection and equipment breakdown coverage.
Data filtered by:Results filtered by:
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Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
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Deductible:1000
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Credit Tier:Below Fair
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Claims History:1 claim in past 5 years
| Newer Homes | $104 | $1,249 |
| Newer Homes in High-Fire-Risk Areas | $104 | $1,249 |
| Older Homes in High-Fire-Risk Areas | $170 | $2,046 |
| Older Homes | $170 | $2,046 |
Nationwide: Best for Coverage
Nationwide may not be the most affordable option on our list for Arizona home insurance, but its extensive coverage options help make it a strong option nevertheless. Coverage options include unique add-ons like better roof replacement and doubling dwelling coverage limits. Nationwide's customer service is strong as well, ranking eighth overall and fifth in claims satisfaction, according to J.D. Power.
Data filtered by:Results filtered by:
Select
Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
Select
Deductible:1000
Select
Credit Tier:Good
Select
Claims History:Claim free for 5+ years
| Newer Homes | $63 | $760 |
| Newer Homes in High-Fire-Risk Areas | $65 | $785 |
| Older Homes | $175 | $2,094 |
| Older Homes in High-Fire-Risk Areas | $180 | $2,162 |
How to Find the Best Home Insurance in Arizona
We've created a step-by-step guide to help you find the best coverage that suits your needs.
- 1
Determine your coverage needs
Before choosing a home insurance policy, decide on the coverage level you need. Think about your home's value, the personal belongings inside and local risk factors such as wildfires or floods.
- 2
Research costs and discounts
To see if providers truly offer savings, figure out how much home insurance costs in arizona. Additionally, check for discounts like bundling or home safety devices that you may qualify for to increase your savings.
- 3
Find the best providers for you
After researching coverage and costs, narrow your search for the best and cheapest home insurance in Arizona. Do your own research to evaluate customer service ratings, pricing specific to your requirements, and suitable coverage add-ons.
- 4
Compare multiple providers through all means
Compare providers to find the best option. Make sure the coverage amounts are the same for an accurate comparison. Check quotes through various methods, as online estimates may differ from those offered by brokers or agents over the phone.
- 5
Select your policy and make final adjustments
Once you've chosen a provider, finalize your policy by ensuring all details match your needs. Review the final documents carefully to confirm coverage, deductibles and premiums.
Best Homeowners Insurance in Arizona: Bottom Line
American Family, State Farm and Nationwide are the best-rated homeowners insurance providers in the Grand Canyon State. Still, researching and comparing options can help you choose the right insurer for your specific needs.
Best Home Insurance in Arizona: FAQ
Explore our FAQ section for quick answers on choosing the right home insurance provider.
Which company is best for home insurance in Arizona?
American Family is the best homeowners insurance provider in Arizona, offering a solid balance of affordability, excellent customer service, and diverse coverage options. State Farm, Nationwide, Farmers and Allstate provide highly competitive alternatives in Arizona.
Who has the most affordable homeowners insurance in Arizona?
The cheapest homeowners insurance in Arizona varies based on individual circumstances and home details. However, the average cost of homeowners insurance in Arizona is $1,619.
How do you get the best homeowners insurance in Arizona?
To find the best home insurance in Arizona, decide on coverage needs, research costs and providers, and compare multiple quotes.
How We Decided the Best Home Insurance in Arizona: Our Methodology
We rated the best homeowners insurance providers in Arizona using this methodology:
- Affordability (55%): Providers scored higher if they were more affordable across various factors. We also evaluated the range of discounts offered.
- Customer satisfaction (30%): Scores were based on ratings from sites like Trustpilot, app reviews and industry sources like J.D. Power. This included the buying process, policy management and claims handling.
- Coverage (15%): We assessed the number of add-on options, unique features and availability by state.
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.