Best Homeowners Insurance in Arizona (2022)

The cheapest home insurance companies in Arizona: USAA, $82 a month; Nationwide, $90; Chubb, $95.

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USAA has the cheapest home insurance rates in Arizona, with an average premium of $82 a month. Nationwide has the next-lowest rate, at $90 a month. Chubb comes in third, at $95 a month.

While the cheapest home insurance providers in Arizona are less expensive than both the state and national average rates, it's still in your best interest to find the best coverage at the cheapest price. We put together this guide to help you compare Arizona's best home insurance options.

In this article

Cheapest home insurance providers in Arizona

USAA is Arizona's cheapest homeowners insurance provider, with an average monthly rate of $82. It's followed by Nationwide, at $90 a month, and Chubb, at $95 a month.

Company Monthly rate
USAA $82
Nationwide $90
Chubb $95
American Family $98
Progressive $104
State Farm $106
Farm Bureau $116
Allstate $173
Farmers $184
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

USAA only sells home insurance to current and former military members and their families. If you do not fall into those categories, Nationwide and Chubb may be your best choices.

How much is homeowners insurance in Arizona?

The average home insurance rate in Arizona is $116 a month, 19% cheaper than the average national rate of $144 a month.

Factors that may affect your home insurance quote include:

  • The age of your home
  • Construction materials used
  • Your ZIP code
  • Your personal insurance history

Different home insurance providers offer different rates due to the fact that each company weighs these and other factors differently. For example, the age of your home may be a bigger factor with one provider than another. That's why you should compare quotes from multiple home insurance companies.

Compare quotes from top home insurance companies

Your deductible affects your final rate as well. The higher your deductible, the lower your premium.

Best home insurance companies in Arizona

USAA, Nationwide and Chubb are Arizona's best home insurance providers. Here's why.

USAA: best for veterans

USAA is the cheapest home insurance company in Arizona, with an average premium of $82 a month. USAA is often considered the best of the best among insurance providers. It also sets the standard for customer satisfaction. In J.D. Power's 2021 U.S. Home Insurance Study, USAA received a score of 882 out of 1,000.

USAA isn't ranked in J.D. Power's study because it only offers insurance to military personnel and veterans, as well as their families. But if you're one of the over 488,000 veterans living in Arizona, according to the World Population Review, USAA is likely your best choice for homeowners coverage.

Nationwide: best for complaint resolution

Nationwide has the second-cheapest home insurance rate in Arizona, with an average premium of $90 a month. Also, its 0.2 rating on the NAIC Complaint Index is the lowest of the major home insurance providers in Arizona.

Chubb: best for luxury homes

Chubb is the third-cheapest home insurance provider in Arizona, with an average rate of $95 a month. That said, if you own a high-value home, Chubb may be your best option. Its Masterpiece homeowners insurance provides affordable, top-tier home insurance for homes that would otherwise be expensive to insure. Chubb's Masterpiece program includes:

  • Extended replacement cost coverage: covers the full rebuild cost of your home, even if the cost goes over your policy's dwelling coverage limit. This is especially important if you have a home built with materials whose cost increases over time.
  • Cash settlement: an option to get a cash payout, up to your home insurance policy limit, instead of rebuilding or replacing your house if it's damaged or destroyed.
  • Choose your own contractor: if you have a contractor that you want to work with, the Masterpiece plan allows you to work with them instead of only choosing from a preferred list.
  • Worldwide loss coverage: your possessions are covered for accidental loss or damage anywhere in the world. This can be useful if you're traveling or your belongings are being moved.

Get cheap homeowners insurance in Arizona

Cheapest home insurance in Arizona by city and county

Surprise has the cheapest average homeowners insurance rate among the state's largest cities, at $72 a month with USAA. Tucson is the second cheapest, with USAA, at $76 a month. Gilbert is right behind, with USAA, at $77.

Average home insurance rates in Arizona by city
City Nationwide Chubb USAA
Chandler $96 $99 $81
Gilbert $94 $99 $77
Glendale $105 $107 $81
Mesa $104 $101 $86
Peoria $103 $99 $78
Phoenix $112 $109 $95
Scottsdale $103 $102 $98
Surprise $102 $99 $72
Tempe $108 $108 $88
Tucson $82 $80 $76
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Yuma County has the cheapest home insurance rates among Arizona's largest counties, with an average rate of $59 a month with USAA. Mohave County has the second-cheapest, with USAA, at $69 a month. Navajo County and Pima County share third place, at $78 a month with USAA.

Average home insurance rates in Arizona by county
County Nationwide Chubb USAA
Apache $80 $104 $85
Cochise $81 $100 $80
Coconino $83 $78 $87
Maricopa $103 $103 $87
Mohave $79 $104 $69
Navajo $83 $78 $78
Pima $79 $83 $78
Pinal $95 $108 $85
Yavapai $93 $80 $84
Yuma $81 $103 $59
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Methodology

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

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

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