State Farm is the cheapest home insurance option for most homeowners in Arizona, with an average monthly savings of $381. Below is a summary of the most affordable providers in the state.
Cheapest Home Insurance in Arizona
Updated: May 27, 2025
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Key Takeaways
State Farm, Nationwide and two other providers offer the lowest-cost home insurance in Arizona overall, with potential savings of up to 78%.
Nationwide offers the cheapest homeowners insurance in Arizona if you own a new home or have bad credit.
State Farm offers the most affordable home coverage for those in high-risk fire areas in Arizona.
What is the Cheapest Home Insurance in Arizona?
| State Farm | $118 | $1,414 | 44% |
| American Family | $129 | $1,545 | 39% |
| Auto-Owners Insurance | $144 | $1,732 | 31% |
| Farmers | $168 | $2,021 | 20% |
*These rates are based on a house built in 2000 with a $1,000 deductible, $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in liability coverage and class 3 fire protection. The insured is assumed to have good credit and no claims in the past five years.
THE CHEAPEST COMPANY MAY NOT BE THE BEST FOR YOU
While these companies may offer the lowest rates in Arizona, evaluating their customer service reputation and coverage options is important. To help, we’ve created a separate guide to the best home insurance companies in Arizona, providing a more comprehensive overview.
Cheapest Arizona Home Insurance Rates by Category
While we’ve listed the cheapest options for most homeowners, those rates may not reflect your specific situation. For instance, while State Farm is typically the cheapest overall, Nationwide offers the best rates for newer homes. To help, we’ve outlined the cheapest companies on average for common categories.
| State Farm | Older Homes | $118 |
| Nationwide | Newer Homes | $63 |
| State Farm | Homes in High Risk Fire Areas | $118 |
| State Farm | Bad Credit | $265 |
*Rates are modified based on our methodology’s base profile. Newer home estimates are based on a home built in 2023, high-risk fire estimates are for a policy with 8-class fire protection, and bad credit rates assume a poor credit score on the FICO scale.
Compare Personalized Cheap Arizona Home Insurance
The companies listed above typically provide the best rates for their categories, but actual rates vary based on your unique profile. Use the filter below to get a personalized list of the cheapest providers for your situation.
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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Claims History:Claim free for 5+ years
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Credit Tier:Good
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Home Age:Older Homes
| State Farm | $118 | $1,414 |
| American Family | $129 | $1,545 |
| Auto-Owners Insurance | $145 | $1,746 |
| Nationwide | $176 | $2,117 |
| Farmers | $191 | $2,291 |
Cheapest Arizona Home Insurance By City
Risk factors for insurers differ by location, making some providers more affordable. State Farm offers the cheapest rates in most Arizona cities like Chandler and Phoenix. However, in Tucson, Auto-Owners Insurance provides the best rates. Consider these variations when choosing your provider.
| Chandler | State Farm | $121 |
| Gilbert | State Farm | $120 |
| Glendale | State Farm | $116 |
| Mesa | State Farm | $120 |
| Peoria | State Farm | $115 |
| Phoenix | State Farm | $120 |
| Scottsdale | State Farm | $124 |
| Surprise | State Farm | $113 |
| Tempe | State Farm | $123 |
| Tucson | Auto-Owners Insurance | $110 |
*These rates are based on a house built in 2000 with a $1,000 deductible, $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in liability coverage and class 3 fire protection. The insured is assumed to have good credit and no claims in the past five years.
How To Find the Cheapest Arizona Home Insurance for You
Finding affordable home insurance in Arizona can be challenging, but you can significantly lower your costs with some effort. Below are our core recommendations to help you maximize savings on your policy.
- 1
Determine your coverage needs
It's easy to get oversold on coverage when you don't have limits in mind before buying. Determine your home insurance coverage needs beforehand to avoid purchasing too much. Understanding the different types of home protection available helps ensure you don't miss something important.
- 2
Research home insurance cost information
Research home insurance costs in Arizona for your profile and available discounts to understand what qualifies as affordable. When ready to buy, ask agents directly about all discounts you may qualify for, as insurers won't apply them automatically.
- 4
Compare multiple companies apples to apples
To ensure you’re getting a good deal, compare quotes for the same coverage. Once aligned, gather as many quotes as possible using different methods to find the best rate.
- 5
Use state-provided programs
f you have a high-risk profile and face coverage denials or unaffordable rates, Arizona provides resources through the Department of Insurance and Financial Institutions for high-risk properties. This program helps homeowners find coverage options when traditional insurers won't provide affordable policies.
Cheap Home Insurance Arizona: Bottom Line
State Farm, American Family, and Auto-Owners Insurance are typically the most affordable home insurance options in Arizona. If you're denied coverage, the TFPA offers low-cost policies. Still, compare multiple companies, research costs and identify your coverage needs before deciding.
Cheapest Home Insurance Arizona: FAQ
Below are answers to common questions about the cheapest home insurance in Arizona.
What is the cheapest home insurance company in Arizona?
Nationwide offers the lowest rates for newer homes in Arizona at $63 per month or $760 per year. However, homeowners with older properties or higher fire protection needs may find better rates with State Farm or Nationwide.
How expensive is home insurance in Arizona?
Arizona has the 27th-highest home insurance rates in the U.S.
How much is home insurance in Arizona?
Your home insurance should correspond to the replacement cost of your home, the value of personal possessions, and local risks. While not mandated by law, mortgage holders require sufficient dwelling coverage to replace your home if destroyed. Additional coverage should be considered for personal items of significant value and those that cannot be replaced.
How much home insurance do I need?
Your home insurance should correspond to the replacement cost of your home, the value of personal possessions, and local risks. While not mandated by law, mortgage holders require sufficient dwelling coverage to replace your home if destroyed. Additional coverage should be considered for personal items of significant value and those that cannot be replaced.
How We Found the Cheapest Home Insurance Companies in Arizona
To determine the cheapest home insurance companies in Arizona, we assumed the following base profile:
- $250K dwelling coverage
- $125K personal property coverage
- $200K liability coverage
- Home built in 2000
- Frame construction
- Composition roof
- $1,000 all perils deductible
- No claims in the past 5+ years
- 3-class fire protection
All other combinations were adjusted based on this profile to provide a more accurate comparison for your specific situation. However, these figures are estimates, and we recommend comparing quotes from multiple providers to secure the best deal.
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.