State Farm offers the lowest home insurance rates in Scottsdale at $1,339 per year, 51% below the city average of $2,721. When we pulled quotes across all Scottsdale profiles, the spread between the cheapest and most expensive insurer on our list exceeded $989 per year for identical coverage — meaning your choice of insurer has more impact on your annual cost than almost any coverage decision you'll make. Scottsdale homeowners also pay less than the Arizona state average overall, making it one of the more affordable markets in our data. State Farm, USAA, American Family, Farmers and Nationwide ranked as the five most affordable options in our analysis of the cheapest home insurance in Scottsdale.
Best and Cheapest Home Insurance in Scottsdale, Arizona (2026)
Updated: May 8, 2026
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Key Takeaways: Scottsdale Home Insurance
State Farm offers the most affordable home insurance in Scottsdale at $1,339 per year, 51% below the city average of $2,721 and the lowest rate in our analysis across all Scottsdale profiles.
American Family earns the highest overall rating among Scottsdale insurers in our analysis, making it the strongest option for homeowners who prioritize service quality and claims experience over finding the lowest possible premium.
Scottsdale homeowners pay $2,721 per year on average for home insurance, though rates vary by nearly $1,000 depending on the insurer, making comparison shopping one of the highest-impact steps a local homeowner can take.
Cheapest Home Insurance Companies in Scottsdale
| State Farm | $1,339 | -51% |
| USAA | $1,743 | -36% |
| American Family | $1,934 | -29% |
| Farmers | $1,951 | -28% |
| Nationwide | $2,328 | -14% |
*Rates are for a 2,500-square-foot home built in 2000, with $250,000 of dwelling coverage and a $1,000 deductible.
HOW DO SCOTTSDALE HOME INSURANCE RATES COMPARE TO THE STATE AVERAGE?
Insurance companies charge Scottsdale homeowners about $2,721 per year, which puts the city 5% above the Arizona average cost of $2,602. Carriers factor in wildfire risk, severe storms and higher property values when they set rates. Still, some insurers price policies below both averages, so your choice of provider directly affects what you pay.
Best Homeowners Insurance Companies in Scottsdale
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.
| Farmers | 4.41 | $1,951 |
| Auto-Owners Insurance | 4.58 | $2,386 |
| State Farm | 4.59 | $1,339 |
| American Family | 4.6 | $1,934 |
| USAA | 4.95 | $1,743 |
*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.
American Family Insurance
Our Top Recommendation for Scottsdale Homeowners
MoneyGeek Rating
4.6/ 5
4.9/5Affordability
4.3/5Customer Experience
4.1/5Coverage Points
Average Annual Premium
$1,934Based on our methodology's base profile of a policy with $250K in dwelling coverage, $125K in personal property coverage and $200K in liability coverage with a $1,000 deductible.J.D. Power Customer Satisfaction Score
643/1,000From the J.D. Power 2025 U.S. Home Insurance Study, which examines customer satisfaction based on responses from 14,511 homeowners and renters. The average score is 642/1,000.Number of Discounts
7
Scottsdale Home Insurance Cost by Coverage Level
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.
| $100K Dwelling / $50K Personal Property / $100K Liability | State Farm | $779 |
| $250K Dwelling / $125K Personal Property / $200K Liability | State Farm | $1,339 |
| $500K Dwelling / $250K Personal Property / $300K Liability | State Farm | $2,042 |
| $750K Dwelling / $375K Personal Property / $500K Liability | State Farm | $2,740 |
| $1MM Dwelling / $500K Personal Property / $1MM Liability | State Farm | $3,440 |
Scottsdale Home Insurance Cost by House Age
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.
| Newer | USAA | $964 |
| Middle Age | State Farm | $1,339 |
| Older | State Farm | $1,339 |
Scottsdale Home Insurance Costs by Credit Score
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.
Data filtered by:
Below Fair
| Farmers | $122 | $1,461 |
| State Farm | $126 | $1,515 |
| USAA | $181 | $2,166 |
| Allstate | $202 | $2,424 |
| Nationwide | $263 | $3,150 |
How to Save on Homeowners Insurance in Scottsdale
Scottsdale homeowners can find affordable home insurance by comparing quotes from different insurers and selecting coverage that reflects their home’s risk level.
- 1Decide on Coverage Limits
Know what coverage you need before you start collecting quotes. It keeps rate comparisons accurate and makes it harder for agents to push add-ons you don't need.
- 2Research Costs and Discounts
Home insurance premiums vary across Arizona. MoneyGeek's best homeowners insurance in Arizona analysis shows which companies balance cost, service and coverage for Scottsdale homeowners.
- 3Compare Company Offerings and Reputations
Don’t focus on price alone. Review each insurer’s optional coverages and history of handling claims before you decide. Check J.D. Power ratings, NAIC complaint data, Reddit discussions and Trustpilot reviews to see how real customers describe their experiences.
- 4Compare Multiple Quotes
Reach out to at least three insurers and compare home insurance quotes to find your lowest rate.
Scottsdale Home Insurance: FAQ
Scottsdale residents commonly wonder about coverage needs, premiums and how local risk factors influence their policies.
Is home insurance required in Scottsdale?
Arizona law doesn't mandate home insurance, but lenders require it through your loan term. Homeowners without mortgages should maintain coverage to guard against financial losses from fires, theft and liability claims that could devastate personal finances.
What factors affect home insurance rates in Scottsdale?
Scottsdale insurance companies assess property age, building materials, roof quality and proximity to fire stations when setting rates. Area crime statistics influence pricing, while your credit, claims record and coverage selections also impact your premium.
Does home insurance cover flood damage in Scottsdale?
No, standard home insurance doesn't cover flood damage. Scottsdale residents near waterways like the Arizona Canal need separate flood insurance from the National Flood Insurance Program or private carriers.
How We Decided the Best Cheap Home Insurance Companies in Scottsdale
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.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.
He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.
His insights on products ranging from car, home and renters insurance to health and life insurance have been featured in The Washington Post, The New York Times and NPR, among others.
Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!