The Best Home Insurance in Arizona for 2024
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The average cost of homeowners insurance in Arizona is $2,135 per year. That’s compared to the national average of $1,915.
NerdWallet analyzed data from numerous insurance companies to help you find the best home insurance in Arizona in the following categories:
Best for affordability: Auto-Owners.
Best for coverage: Openly.
Best for consumer experience: American Family and Nationwide.
The rates in our analysis are estimates based on many factors, so your rate may differ.
Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.
Best affordable homeowners insurance in Arizona: Auto-Owners
Auto-Owners Insurance
Coverage options
Discounts
NAIC complaints
Auto-Owners Insurance
Coverage options
Discounts
NAIC complaints
In Arizona, the average annual premium for Auto-Owners is $1,510, which is well below the state average of $2,135.
Based in Michigan, Auto-Owners has been in business for more than a century. Its homeowners policies include all the basics, but you can also add coverage for things like identity theft or the failure of major appliances. Guaranteed replacement cost coverage is another optional add-on, enabling you to rebuild your home after a total loss even if your dwelling coverage limit is too low.
Auto-Owners sells homeowners insurance through independent agents.
Learn more with our Auto-Owners home insurance review.
Best home insurance in Arizona for coverage: Openly
Coverage options
Discounts
NAIC complaints
Openly
Coverage options
Discounts
NAIC complaints
Openly’s default homeowners policy goes significantly beyond those of many other insurers. Most notably, it offers guaranteed replacement cost coverage for the structure of your home. That means if your house is destroyed by a covered disaster, Openly will pay whatever it takes to rebuild it the way it was before, up to $5 million.
Plus, if your things are stolen or destroyed, Openly will pay enough for you to buy brand-new replacements, rather than paying less for older items that have lost value over time. It also covers your belongings on an “open perils” basis, paying for damage from anything except scenarios your policy excludes. Most home insurance policies cover damage only from causes specifically named in your policy.
Learn more in our Openly home insurance review.
Best homeowners insurance in Arizona for consumer experience: American Family and Nationwide
Coverage options
Discounts
NAIC complaints
American Family
Coverage options
Discounts
NAIC complaints
Founded in Madison, Wisconsin, American Family receives fewer consumer complaints than expected for a company of its size. You may be able to customize your policy with optional add-ons such as identity theft, equipment breakdown or service line coverage, which pays for repairs to water, power or other underground lines that run to your house.
Homeowners may be able to save on their premiums by installing smart-home devices, bundling multiple policies or setting up automatic payments.
Get more information in our American Family homeowners insurance review.
Nationwide
Coverage options
Discounts
NAIC complaints
Nationwide
Coverage options
Discounts
NAIC complaints
Nationwide offers a robust consumer experience for its customers, including a website that makes it easy to manage policies, file and track claims, and set up automatic billing. It also has a highly rated app for Android and iOS that allows customers to file and track claims, review policy documents and set up autopay.
In addition, Nationwide’s customers have several ways to get assistance, such as reaching out to their agent or calling the company’s customer service hotline. Outside of business hours, they can use the Nationwide website to get proof of insurance, pay bills and schedule callbacks. A chatbot is also available to answer basic questions.
Learn more with our Nationwide homeowners insurance review.
Full list of the best homeowners insurance in Arizona
NerdWallet analyzed dozens of home insurance companies to find the best home insurance in Arizona. Here are all of the insurers that received a NerdWallet star rating of 4.5 or higher:
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
Not available | ||
Not available | ||
$3,475 | ||
$2,335 | ||
$1,510 | ||
Not available | ||
$1,860 | ||
Not available | ||
$1,535 | ||
$4,155 | ||
USAA* | $1,675 | |
*USAA homeowners policies are available only to active military, veterans and their families. | ||
» MORE: The best homeowners insurance
How much does homeowners insurance cost in Arizona?
The average annual cost of home insurance in Arizona is $2,135. That’s 11% higher than the national average of $1,915.
In most states, including Arizona, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score.
In Arizona, those with poor credit pay an average of $3,940 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s 85% more than those with good credit.
Average cost of homeowners insurance in Arizona by city
How much you pay for home insurance in Arizona depends on where you live. For example, the average cost of homeowners insurance in Phoenix is $2,560 per year. In Tucson, homeowners insurance costs about $1,800 per year, on average.
City | Average annual rate | Average monthly rate |
|---|---|---|
Apache Junction | $2,020 | $168 |
Avondale | $1,960 | $163 |
Buckey | $1,975 | $165 |
Casa Grande | $2,075 | $173 |
Chandler | $1,940 | $162 |
Flagstaff | $1,920 | $160 |
Gilbert | $1,960 | $163 |
Glendale | $2,225 | $185 |
Goodyear | $1,860 | $155 |
Kingman | $1,685 | $140 |
Lake Havasu City | $1,725 | $144 |
Laveen | $2,300 | $192 |
Maricopa | $2,015 | $168 |
Mesa | $2,145 | $179 |
Peoria | $1,925 | $160 |
Phoenix | $2,560 | $213 |
Prescott | $1,870 | $156 |
Queen Creek | $1,750 | $146 |
Sun Tan Valley | $1,950 | $163 |
Scottsdale | $2,170 | $181 |
Sierra Vista | $1,795 | $150 |
Surprise | $1,915 | $160 |
Tempe | $2,195 | $183 |
Tucson | $1,800 | $150 |
Yuma | $1,645 | $137 |
The cheapest home insurance in Arizona
Here are the insurers we found with average annual rates below the Arizona average of $2,135.
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
$1,510 | ||
$1,535 | ||
Farm Bureau Financial Services | 4.0 NerdWallet rating | $1,850 |
$1,860 | ||
USAA* | $1,675 | |
*USAA homeowners policies are available only to active military, veterans and their families. | ||
What to know about Arizona homeowners insurance
Arizona faces certain types of natural disasters that could damage your home. Here’s how to make sure you have the right coverage.
Floods
Arizona might not be the first state you think of when you picture flooding, but it happens, especially during the monsoon season between June and September. In a strong thunderstorm, dry ground can quickly become oversaturated, resulting in a flash flood.
If floodwaters damage your house, your homeowners insurance policy generally won’t cover it. Instead, you’ll need separate flood insurance. Most people get coverage through the federal government’s National Flood Insurance Program, but you can also shop around with private providers. Learn more about private flood insurance.
You can check your home’s risk of flooding by entering your address into the Federal Emergency Management Agency's flood maps or visiting RiskFactor.com, a website from the nonprofit First Street Foundation.
Earthquakes
Most homeowners insurance policies won’t cover earthquake damage. You can buy separate earthquake insurance to pay for damage to your home from the shifting earth.
Wildfires
Standard homeowners insurance policies cover damage from fire, including wildfires.
Because a fire could destroy your home, make sure you have enough coverage to rebuild it completely. That means checking your dwelling coverage limit. Your insurance agent can help you choose the right amount.
Arizona insurance department
In Arizona, the Department of Insurance and Financial Institutions oversees the state’s insurance industry and provides consumer protection. You can use the site to file a complaint against your insurance company or learn more about different types of insurance. You can call the agency at 602-364-3100.
Looking for more insurance in Arizona?
Amanda Shapland contributed to this story.
NerdWallet calculated median rates for 40-year-old homeowners from various insurance companies in every ZIP code across the state. All rates are rounded to the nearest $5.
Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1984. They had a $1,000 deductible and the following coverage limits:
$300,000 in dwelling coverage.
$30,000 in other structures coverage.
$150,000 in personal property coverage.
$60,000 in loss of use coverage.
$300,000 in liability coverage.
$1,000 in medical payments coverage.
We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.
We changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for homeowners with poor credit.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
Star rating methodology
NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverages, discounts and online experience. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our full homeowners insurance rating methodology.
Complaint methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2020-2022. To assess how insurers compare with one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
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