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Licensed auto and home insurance agent
4+ years of experience in insurance and personal finance editing
NPN: 20564519
Updated
The average homeowners insurance policy in Arizona costs $182 per month for $300,000 of dwelling coverage. Arizona’s home insurance rates are typically lower than the national average of $239 per month.
With nearly 124,000 homes at high-risk of extreme wildfires, Arizona ranks fifth in the U.S. for houses threatened by wildfires.[1] So it’s vital that Arizona homeowners get adequate insurance coverage to protect themselves and their homes.
USAA offers the cheapest homeowners insurance coverage in Arizona, with an average rate of $107 per month. That said, insurance rates can vary widely by ZIP code, home type, and insurer.
We’ll tell you how to find the best company and coverage options for your insurance needs in Arizona.
State Farm, Travelers, and American Family offer some of the best homeowners insurance coverage in Arizona.
Extreme heat, wildfires, and flooding are among the most common hazards for Arizona homeowners.
The Arizona Department of Insurance and Financial Institutions (DIFI) helps if you have an issue with your home insurance company.
No single insurance company is best for every home. Arizona homeowners have a number of quality insurers to choose from for their home insurance needs. Comparing your options by requesting quotes from multiple insurers can help you find the right coverage for your home.
To help you out, we found some of the best home insurance companies in Arizona. We chose these insurers based on a combination of their average rates, available discounts, customer ratings and reviews, and coverages offered in Arizona.
The table below shows the best home insurance Companies in Arizona, according to Compare.com.
Company | Compare.com Rating | Average Monthly Premium |
|---|---|---|
| State Farm | 3.70 | $124 |
| Travelers | 3.99 | $125 |
| American Family | 4.45 | $133 |
| USAA | 4.68 | $107 |
| Chubb | 4.19 | $125 |
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.1 /5 |
|---|---|
| J.D. Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 643 |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $124/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $165/mo |
State Farm is a great choice for first-time homebuyers in Arizona who want affordable, comprehensive coverage. The company lets you customize coverage to get exactly what you need in your first home insurance policy. It also offers a generous bundling discount when you combine your homeowners insurance with a State Farm car insurance policy.
A+ (Superior) financial strength rating
Above-average customer satisfaction
Must work with an insurance agent
Above-average number of customer complaints
Travelers Insurance offers standard homeowners coverage, including dwelling coverage, loss-of-use coverage, and personal property coverage. You can also take advantage of the company’s “green home” optional coverage. Green home coverage pays to repair or replace your home with eco-friendly materials after a covered loss.
More than 88,000 Arizona families made energy-efficient upgrades to their homes in 2023, according to the U.S. Department of the Treasury.[2] That makes Travelers an excellent option for many Arizonans.
Highly rated mobile app
Online quotes available
High number of customer complaints
Below-average customer satisfaction rating
American Family Insurance offers Arizona homeowners a range of insurance products, including auto, renters, umbrella, and life insurance. The insurer has a variety of available discounts, including savings for newer and renovated homes. You can also save up to 40% by bundling your auto policy with your homeowners insurance.
Highly rated mobile app
Online quotes available
Above-average customer complaint index
Must complete enrollment with an agent
More than 495,000 veterans call the Copper State home, making USAA an excellent home insurance option.[3] USAA has a reputation for excellent customer service and affordable rates. It also offers plenty of coverage options, plus a discount for bundling your home and auto insurance.
A++ (Superior) financial strength rating
Highly rated mobile app
Available only to military members and families
Poor Trustpilot reviews
Many luxury homeowners know Chubb for insuring high-value homes and valuable private property. But the insurer also offers affordable coverage for median-value homes. Chubb also offers replacement cost coverage, which doesn’t factor in depreciation when replacing damaged items.
High customer satisfaction rating
Premium loss-of-use coverage available
Online quotes not available
Fewer coverage options
Compare rates from Arizona’s top insurers and save money today.
Homeowners insurance rates can vary from one insurance company to another. Comparing quotes from multiple insurers can help you make sure you have the cheapest coverage for your needs.
The table below shows the cheapest Arizona home insurance companies for $300,000 homes, according to Compare.com data.
Company | Average Yearly Premium |
|---|---|
| USAA | $1,284 |
| State Farm | $1,488 |
| Chubb | $1,500 |
| Travelers | $1,500 |
| American Family | $1,596 |
| Allstate | $1,908 |
| Farmers | $1,944 |
| Foremost | $2,016 |
| Allied | $2,160 |
| Auto-Owners | $2,196 |
| Nationwide | $2,496 |
| Encompass | $3,180 |
| Country Financial | $3,504 |
How much coverage you need makes a big difference in your homeowners insurance rates. Your dwelling coverage amount determines how much your insurer will pay to repair or replace your home. So you’ll pay more if you choose higher coverage limits.
Below, you’ll find the average cost of Arizona home insurance by home value, according to Compare.com data.
Company | Average Yearly Premium |
|---|---|
| USAA | $996 |
| Chubb | $1,008 |
| Travelers | $1,032 |
| State Farm | $1,176 |
| American Family | $1,284 |
| Farmers | $1,320 |
| Foremost | $1,356 |
| Allstate | $1,488 |
| Allied | $1,560 |
| Auto-Owners | $1,644 |
| Nationwide | $1,848 |
| Encompass | $2,484 |
| Country Financial | $2,616 |
Company | Average Yearly Premium |
|---|---|
| USAA | $1,284 |
| State Farm | $1,488 |
| Chubb | $1,500 |
| Travelers | $1,500 |
| American Family | $1,596 |
| Allstate | $1,908 |
| Farmers | $1,944 |
| Foremost | $2,016 |
| Allied | $2,160 |
| Auto-Owners | $2,196 |
| Nationwide | $2,496 |
| Encompass | $3,180 |
| Country Financial | $3,504 |
Company | Average Yearly Premium |
|---|---|
| USAA | $1,524 |
| State Farm | $1,740 |
| American Family | $1,896 |
| Travelers | $1,944 |
| Chubb | $1,980 |
| Allstate | $2,484 |
| Farmers | $2,592 |
| Allied | $2,820 |
| Foremost | $2,832 |
| Auto-Owners | $2,856 |
| Nationwide | $3,120 |
| Encompass | $3,816 |
| Country Financial | $4,272 |
Company | Average Yearly Premium |
|---|---|
| USAA | $1,740 |
| State Farm | $1,980 |
| American Family | $2,196 |
| Chubb | $2,460 |
| Travelers | $2,508 |
| Allstate | $3,096 |
| Farmers | $3,408 |
| Auto-Owners | $3,516 |
| Foremost | $3,528 |
| Allied | $3,720 |
| Nationwide | $3,720 |
| Encompass | $4,392 |
| Country Financial | $5,160 |
Company | Average Yearly Premium |
|---|---|
| USAA | $2,256 |
| State Farm | $2,508 |
| American Family | $2,832 |
| Chubb | $3,528 |
| Travelers | $3,708 |
| Allstate | $4,272 |
| Farmers | $4,944 |
| Auto-Owners | $5,052 |
| Nationwide | $5,124 |
| Foremost | $5,472 |
| Encompass | $5,712 |
| Allied | $6,168 |
| Country Financial | $7,428 |
Where you live in Arizona also affects your home insurance rates because different cities have different risks. For example, Phoenix experiences monsoons each year, which can cause water backup, localized flooding, and other types of water damage.[4] Phoenix residents may pay more for insurance than Arizonans in areas without monsoons.
Here are the average annual premiums for a $300,000 home in some of Arizona’s biggest cities, based on our data.
City | Average Yearly Premium |
|---|---|
| Phoenix | $179 |
| Tucson | $162 |
Arizonans face many dangers to their homes. Make sure you have protection against the common risks below.
More than 2,000 wildfires burned 282,989 acres in Arizona in 2024, according to the Insurance Information Institute. While standard homeowners insurance typically covers fire damage, double-check what your policy includes. You should make sure it covers additional living expenses if you evacuate your home because of a wildfire.
Though Arizona is an arid state, certain areas still flood.[5] Many different regions of the state experience monsoons, which can cause severe water and wind damage to homes.
While Arizona hasn’t surpassed its 128-degree Fahrenheit record from 1994, summer in the Copper State can be brutal.[6]
Extreme heat is a health hazard, so homeowners should consider air conditioning essential during the summer. You may also want a backup generator to ensure your home stays cool.
The Arizona DIFI was created in 2020 to protect consumers and provide regulatory certainty for insurance and financial products.
Here’s how you can contact the Arizona DIFI if you have an issue with your homeowners insurance:
Email: [email protected]
Phone: 1 (602) 364-3100
File a complaint: difi.az.gov/file-complaint
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Standard homeowners insurance in Arizona generally includes the following coverage:
Dwelling coverage: Homeowners insurance helps pay to rebuild or repair your home to its original condition after a covered event.
Other structures coverage: This coverage pays to rebuild detached structures, like garages, pools, sheds, and gazebos.
Loss of use coverage: If you can’t live in your home because of a covered event, loss of use coverage helps pay for your alternate living expenses.
Personal property coverage: Personal property insurance covers your belongings from damage and theft. Most personal property coverage ranges between 50% and 70% of your dwelling coverage limit.
Personal liability coverage: Personal liability coverage protects you if someone injures themselves at your home or if you damage someone’s property. It typically covers up to $100,000, but experts recommend limits of $300,000–$500,000.
Medical payments coverage: If someone injures themselves on your property, medical payments coverage helps pay for related medical bills.
Standard homeowners insurance has some important exclusions that Arizonans need to keep in mind, including:
Earthquakes: Although Arizona is not as famous for earthquakes as nearby California, it does experience seismic activity every year. Without earthquake insurance, you’d be responsible for any damage if an earthquake damages your home.
Water damage: Standard homeowners insurance policies exclude flood damage. You need a separate flood insurance policy to protect against damage from flooding or sewer backups.
Flood damage is one of the primary exclusions in a standard homeowners insurance policy. Many areas of Arizona experience heavy rains, making it important to have a separate flood insurance policy. You can buy coverage from your insurer or through the National Flood Insurance Program.
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Several factors affect home insurance rates in Arizona, including your home’s value. Here are other common factors that influence your insurance premium:
Your home: Your home’s value, age, and construction materials all affect your home insurance rates. These details about your home determine how much it would cost to repair or rebuild.
Your location: Where you live determines how likely your home is to face various hazards, from property crime to wildfires. Riskier areas typically pay more for coverage.
How you structure your policy: The policy limits, coverage options, and deductible you choose all factor into your insurance premium.
Your personal background: Your insurer considers personal details like your credit history and past claims when calculating your premiums.
Compare quotes in Arizona, starting at $107 per month.
If you’re looking for the right Arizona coverage for your home, we’re here to help. Below are answers to some common questions about homeowners insurance in the Grand Canyon State.
Home insurance in Arizona costs an average of $182 per month for $300,000 of dwelling coverage, according to Compare.com data. But rates can vary based on factors like your location, coverage options, deductible, and the age and construction of your home.
State Farm, Travelers, American Family, USAA, and Chubb are Compare.com’s top picks for home insurance in Arizona. That said, no single insurer is best for every home. Comparing quotes from multiple companies can help you find the best coverage at the right price.
USAA has the cheapest homeowners insurance in Arizona, according to Compare.com data. The company offers average rates of $107 per month for $300,000 of dwelling coverage. But it may not be the cheapest insurer for you. Compare quotes from different companies to find the lowest price.
No. Homeowners insurance isn’t required in Arizona. That said, your lender will usually require you to have homeowners insurance as a condition of your mortgage.
Homeowners insurance for a $500,000 home in Arizona costs an average of $279 per month, according to Compare.com data. But your personal rates can vary depending on factors like your home’s age and building materials.
Yes. Standard homeowners insurance in Arizona typically covers wildfires. Check with your insurer or review your policy documents to check what your policy includes.
Compare.com data scientists analyzed rates from more than 180 home insurance companies sourced directly from Compare.com’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.
Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:
Additional data points beyond these default values are sourced from Compare.com’s proprietary database. Rates are updated monthly.
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Licensed auto and home insurance agent
4+ years of experience in insurance and personal finance editing
NPN: 20564519
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
