Best Homeowners Insurance in Arizona

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Best Homeowners Insurance Companies in Arizona

Arizona's average home insurance rates are as low as $950 a year. Having a homeowners insurance policy can give you peace of mind, especially as wildfires and monsoon season are causes for concern in the state. To help you get the most for your money, we studied the home insurance market in Arizona and picked the best companies.

State Farm: best overall

State Farm is a great option for homeowners looking for affordable rates, excellent customer service and widespread availability. State Farm is a nationwide insurer, meaning you'll likely be able to find a local agent.

State Farm's average rate is $954 a year, according to our research, which is $499 less than the state average. State Farm's consumer reviews are also some of the best in the state. The company received 829 out of 1,000 in overall satisfaction in J.D. Power's 2020 U.S. Home Insurance Study, which is higher than the segment average of 823.

Amica: best customer service

Amica received 853 out of 1,000 in overall satisfaction in J.D. Power's 2020 U.S. Home Insurance Study, which is the third-highest rating. Amica also had a low NAIC Complaint Index of 0.51 in 2020 nationwide, which means it got half as many complaints as expected for an insurer of its size. Taking its customer satisfaction ratings into account, we highly recommend Amica.

USAA: best for military families and cheap rates

USAA serves military members and their families at competitive rates. According to the Census Bureau, there were nearly 500,000 veterans in Arizona from 2015 to 2019. That's about 15% of the state's population.

USAA offers one of the cheapest average rates in Arizona, $950 per year. USAA also offers different ways to save. For instance, you can save up to 10% on home insurance if you also have an auto insurance policy with USAA. Along with cheap rates, USAA has great customer service ratings. USAA has an overall customer satisfaction score of 889 out of 1,000 in J.D. Power's 2020 U.S. Home Insurance Study, which is the highest score in the study.

Homeowners insurance companies in Arizona

In Arizona, the market is dominated by large companies with a national presence. The table below shows some of the largest homeowners insurance companies in the state and their customer satisfaction ratings.

Company J.D. Power overall customer satisfaction* (higher is better) NAIC Complaint Index (lower is better)**

Allstate

829

0.99

Famers

814

0.57

USAA

889

0.73

American Family

821

0.56

Liberty Mutual

805

0.11

State Farm

829

0.74

Travelers

803

0.94

Note: **Market share and Complaint Index are based on 2020 data from the National Association of Insurance Commissioners. *J.D. Power ratings are based on its 2020 U.S. Home Insurance Study.

For our rankings of some of the biggest companies in the U.S., check out our best homeowners insurance study.

Average cost of homeowners insurance in Arizona

The average cost of home insurance in Arizona is $1,453 a year, according to our study of more than 650 quotes from nine of the top homeowners insurance companies in the state. That puts Arizona's rates $282 below the national average of $1,735 a year.

  Arizona U.S.

Average annual rate

$1,453

$1,735

Average monthly rate

$121

$144

Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

You can customize your rate by increasing or decreasing your deductible. The deductible amount you choose affects your premium.

Average Arizona homeowners insurance rates by deductible
Deductible Average annual rate

$500

$1,583

$1,000

$1,453

$1,500

$1,365

$2,000

$1,252

Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Find cheap home insurance in Arizona

Cheapest home insurance companies in Arizona

We found that USAA and State Farm offer the cheapest homeowners insurance in Arizona, with average annual rates of $950 and $954, respectively.

 

Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

The difference in price among Arizona's top companies shows how important it is to compare quotes from numerous companies before deciding on one. Even if you don't plan on switching providers, we recommend exploring your options, as you may be able to save on your premium.

Homeowners insurance rates in Arizona by city

The most expensive home insurance rates are found in Arizona's most populous city, Phoenix, where the average rate is $1,680 a year. Tucson's average rate is $1,444 a year, which is right below the state average. Here are how rates compare among some of Arizona's largest cities.

Average homeowners insurance rates in Arizona by city
City Average annual rate Average monthly rate

Phoenix

$1,680

$140

Tucson

$1,444

$120

Mesa

$1,551

$129

Chandler

$1,469

$122

Scottsdale

$1,587

$132

Glendale

$1,519

$127

Gilbert

$1,461

$122

Tempe

$1,564

$130

Peoria

$1,439

$120

Surprise

$1,425

$119

Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Homeowners insurance rates in Arizona by county

Maricopa and Pinal Counties in Arizona have the most expensive home insurance rates. They're also some of the state's most populous counties. Here are how rates compare among some of Arizona's largest counties.

Average homeowners insurance rates in Arizona by county
County Average annual rate Average monthly rate

Maricopa

$1,541

$128

Pima

$1,428

$119

Pinal

$1,544

$129

Yavapai

$1,376

$115

Yuma

$1,288

$107

Mohave

$1,394

$116

Coconino

$1,364

$114

Cochise

$1,374

$115

Navajo

$1,431

$119

Apache

$1,441

$120

Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

See how much you can save when companies compete for your business

Arizona homeowners insurance perils

Homeowners in Arizona should be concerned about two significant risks: monsoons and wildfires.

Monsoons

The summer monsoon season in Arizona can bring thunderstorms, wind, heavy rainfall and flooding. That presents risks to your home's integrity because storms can damage your roof, siding and windows. The southwest monsoon season runs from June 15 through September. Homeowners insurance covers much of the damage associated with the monsoon season, except flooding. For flood coverage, you'll have to purchase a separate flood insurance policy.

Wildfires

Although Arizona is not as prone to wildfire damage as neighboring California, wildfires are still of concern. According to The Arizona Republic, the Telegraph Fire, which started in Arizona on June 4, has burned more than 180,000 acres. Homeowners insurance usually covers fire damage, but not always. It may be excluded from policies in high-risk areas. For this reason, we recommend contacting your insurance agent to ensure you have coverage.

Frequently asked questions

Q: How much does home insurance cost in Arizona?

A: The average cost of home insurance in Arizona is $1,453 a year, according to our study of more than 650 quotes.

Q: Who has the best home insurance in Arizona?

A: State Farm is a great option for homeowners looking for affordable rates, excellent customer service and widespread availability.

Methodology

We collected quotes from every ZIP code in Arizona for a standard HO-3 homeowners insurance policy. We used the following coverages for the average rate:

  • $275,000 dwelling
  • $27,500 other structures
  • $137,500 personal property
  • $55,000 loss of use
  • $100,000 liability
  • $5,000 medical payments
  • $1,000 deductible

The largest home insurance companies in Arizona were considered, including State Farm, Allstate, Nationwide and USAA.

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