Best and Cheapest Home Insurance in Scottsdale, Arizona (2026)

Home insurance costs less in Scottsdale than the Arizona average, and State Farm offers the lowest rate at $1,339 per year. This rate is 51% below the citywide average of $2,721. Insurers price the same coverage differently, so compare quotes from several companies to lower your costs when searching for the cheapest home insurance in Scottsdale. 

MoneyGeek’s analysis of average annual premiums ranks State Farm, USAA, American Family, Farmers and Nationwide as the five most affordable insurers in the city.

*Rates are for a 2,500-square-foot home built in 2000, with $250,000 of dwelling coverage and a $1,000 deductible.

American Family earned a 4.6 out of 5 overall MoneyGeek score, putting it at the top of Scottsdale's homeowners insurance rankings. MoneyGeek evaluated affordability, coverage options and customer service reputation to find the best homeowners insurance for local residents. 

The top five homeowners insurance companies in Scottsdale are American Family, USAA, State Farm, Auto-Owners and Farmers.

*USAA membership is limited to military-affiliated individuals. Although it earned the highest MoneyGeek score, we ranked it No. 2 due to its eligibility requirements.

Coverage limits require a balance between cost and financial protection. Higher dwelling limits increase your premium but provide more support if rebuilding expenses exceed your policy amount. State Farm offers the lowest rates for basic coverage in Scottsdale and maintains that edge across most other coverage tiers. For homeowners who want competitive pricing without cutting back on financial protection, it remains a solid option.

Mid-age properties have the lowest home insurance premiums in Scottsdale. Newer homes with modern safety features cost a bit more, and homes built before 1980 carry the highest rates in the area.

Your credit profile directly affects your home insurance costs in Scottsdale. Homeowners with poor credit pay far more than those with excellent credit for the same level of financial protection. State Farm offers the most affordable rates in most credit categories and leads on price for excellent credit. Carriers factor in credit-based insurance scores to predict claim activity, so a solid credit history can help reduce your rate.

Scottsdale homeowners can find affordable home insurance by comparing quotes from different insurers and selecting coverage that reflects their home’s risk level.

Scottsdale residents commonly wonder about coverage needs, premiums and how local risk factors influence their policies.

MoneyGeek analyzed home insurance premiums from 10 companies in Scottsdale using data from Quadrant Information Services and customer satisfaction scores from J.D. Power surveys.

Quotes were collected for a 2,500-square-foot home built in 2000 with $250,000 dwelling coverage, $125,000 personal property coverage, $200,000 liability coverage and a $1,000 deductible. We also gathered quotes across different construction dates, coverage limits, deductibles and credit scores to cover a range of homeowner situations.