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Chubb and Country Financial are among the best home insurance companies in Arizona, according to our analysis.
We analyzed data from more than 30 insurance companies to help you find the best home insurance in Arizona. Below are the insurers that earned 4.5 stars or more in our analysis. Rates are based on a sample homeowner with good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.
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.
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
Not available | ||
$2,450 | ||
Not available | ||
$3,475 | ||
$2,345 | ||
$2,745 | ||
Not available | ||
$4,735 | ||
$2,640 | ||
Not available | ||
$1,480 | ||
$4,770 | ||
USAA* | $1,670 | |
*USAA homeowners policies are available only to active military, veterans and their families. | ||
» MORE: The best homeowners insurance
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Answer a few questions to see custom quotes and find the right policy for you.The best home insurance companies in Arizona
Here's more information about the best homeowners insurance companies in Arizona.
Amica
Well-established insurer known for great customer service.- High customer satisfaction ratings and low consumer complaints.
- Platinum Choice package offers extra coverage.
- Simple online claims filing and tracking.
- You can start a quote online but have to finish the buying process by phone.
Amica stands out for its customer service and broad range of coverage options. The company has drawn far fewer consumer complaints to state regulators than expected for an insurer of its size, according to the National Association of Insurance Commissioners.
You can customize your policy with extra coverage above your dwelling limit, in case your house costs more to rebuild than expected. You may also want to add coverage for damage from water backups or recovery from identity theft.
» READ MORE: Amica homeowners insurance review
Auto-Owners
Auto-Owners offers plenty of ways to customize your policy and save money on home insurance.- Large number of discounts.
- Has optional specialty coverage not offered by many other insurers.
- Very few consumer complaints.
- No online quotes or claims submission.
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 equipment breakdown (the failure of home 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.
» READ MORE: Auto-Owners homeowners insurance review
Chubb
Perks and high coverage limits for affluent homeowners.- Significantly fewer consumer complaints than expected for a company of its size.
- Standard coverage includes features that many companies offer only as extras.
- Large number of potential discounts.
- Most consumers aren't able to get a quote online and will instead need to contact a local agent.
Chubb caters to owners of high-value homes and draws far fewer consumer complaints than expected for a company of its size, according to the NAIC. Its home insurance policies come with some great perks, including extended replacement cost coverage in case it costs more than your dwelling limit to rebuild your home after a disaster.
Chubb policyholders may also be able to take advantage of the company’s HomeScan service, which uses infrared cameras to look for problems behind the walls of your home.
» READ MORE: Chubb homeowners insurance review
Country Financial
Best for those who prefer to have a personal conversation with an agent when choosing coverage.- Far fewer complaints than expected for a company of its size.
- Many discounts and coverage options available.
- Can get an online quote but must finish the purchase over the phone.
Country Financial has multiple levels of homeowners coverage to help you choose the package that’s best for you. You also have the option to add extra coverage for the structure of your home, in case inflation drives up the cost of rebuilding more than you expect.
Country Financial sells homeowners insurance through local representatives. The company has drawn far fewer complaints than expected to state regulators.
» READ MORE: Country Financial homeowners insurance review
Allstate
Widely available across the U.S. with lots of ways to customize your policy.- Lots of discounts to help you save.
- Home-sharing coverage available.
- Many ways to customize your coverage.
- Ranked below average in J.D. Power’s 2024 U.S. Home Insurance Study.
Allstate is one of the largest home insurance companies in the U.S. The company offers many ways to customize your policy, including replacement cost coverage for your personal property and water backup coverage, which applies if sewer lines or sump pumps back up and damage your home.
You may also be able to upgrade your policy with the Enhanced Package. One benefit of this package is Deductible Rewards, which takes $100 off your deductible for signing up, plus an additional $100 off for each year you go claim-free. And if you do file a claim, your rates won’t go up.
» READ MORE: Allstate homeowners insurance review
American Family
Customizable coverage and discounts for smart-home devices.- Variety of coverage options.
- Discounts available for qualifying smart-home devices.
- Far fewer consumer complaints than expected for a company of its size.
- May restrict liability coverage for certain dog breeds.
American Family receives far fewer consumer complaints than expected for a company of its size, which suggests policyholders tend to be happy with its service. You may be able to add coverage for identity theft, the breakdown of major appliances or repairs to service lines that run to your house.
Discounts may be available for installing smart-home devices, bundling multiple policies or setting up automatic payments.
» READ MORE: American Family homeowners insurance review
Cincinnati Insurance
Sells homeowners policies through local independent agents across the U.S.- Various coverage options.
- Far fewer complaints than expected for a company of its size.
- Has special coverage packages for higher-value homes.
- No online quotes.
Cincinnati Insurance sells homeowners policies through independent agents, with various options for standard and high-value homes. You may be able to add coverage for things like identity theft, personal cyber attacks or certain types of water damage.
Cincinnati may offer you a discount for bundling home and auto insurance, having a newer home or installing a centrally monitored alarm system.
» READ MORE: Cincinnati Insurance homeowners insurance review
Farmers
Those seeking policy add-ons like diminishing deductibles and claims forgiveness may want to consider Farmers.- Several coverage options can help save money.
- Less common coverage options are available.
- Discounts for nonsmokers and members of certain professions.
- Tends to be more expensive than many competitors.
- Ranked below average for customer satisfaction in J.D. Power’s 2024 U.S. Home Insurance Study.
Farmers stands out for its lengthy list of discounts, including ones for installing protective systems like fire alarms and sprinklers, not smoking for the past two years, and paying your premium on time.
Add-on options include personal property replacement cost coverage, which will fully reimburse you for the cost of replacing a stolen, damaged or destroyed item. You may also want to buy coverage for water damage caused by backed-up drains or sewer lines.
» READ MORE: Farmers homeowners insurance review
Nationwide
For shoppers seeking a broad range of coverage options, Nationwide may fit the bill.- Offers free smart device to prevent electrical fires in many states.
- Many discounts available.
- Website offers lots of useful features and information.
- Doesn't insure mobile or manufactured homes.
We like Nationwide for its wide variety of coverage options. For example, its standard homeowners insurance policy generally includes ordinance or law coverage, which can help pay to bring your home up to current building codes after a covered claim. You can add other coverage for things like identity theft and damage from backed-up sewers and drains.
Depending on how much personal assistance you need, you can get a quote for homeowners insurance on the Nationwide website or work with a local agent instead. You can also use the website to pay bills, file claims or check claim status.
» READ MORE: Nationwide homeowners insurance review
Openly
Premium coverage for high-end homes with no dog breed restrictions.- Policies typically include guaranteed replacement cost coverage for your home's structure.
- Broad coverage for personal belongings.
- No restricted dog breeds.
- No online quotes.
Openly offers homeowners insurance with generous coverage. Its policies include guaranteed replacement cost coverage for the structure of your home, which means the company will pay whatever it takes to rebuild your home if it’s destroyed.
Unlike many other insurers, Openly doesn’t have dog breed restrictions that could affect your ability to get liability coverage. It may also be a good bet for homeowners with collections of jewelry or other valuables, with up to $100,000 of blanket coverage available for these items.
» READ MORE: Openly homeowners insurance review
State Farm
Well-established insurer with a lengthy list of coverage options.- User-friendly website.
- Agents offer personalized service.
- Policies generally include extra coverage for your home’s structure.
- Advertises fewer discounts than some other insurers.
State Farm is a great choice for homeowners who like to work directly with a representative, as the company sells policies through a wide network of agents. And its attention to customer service has paid off; the company has fewer customer complaints to state regulators than expected for a company of its size.
State Farm offers a free Ting device as a perk for home insurance policyholders. Ting is a smart plug that monitors your home’s electrical network to help prevent fires.
» READ MORE: State Farm homeowners insurance review
Travelers
Offers lots of coverage options, decent discounts and a strong online experience.- User-friendly features on website and app.
- Discounts for eco-friendly homeowners.
- Draws fewer consumer complaints than expected for a company of its size.
- Doesn’t insure mobile or manufactured homes.
Travelers offers a robust online experience. You can use the website to get a homeowners insurance quote, file and track claims, make payments, and learn about insurance basics.
Its coverage offerings are similarly strong. For example, you may be able to add extra coverage in case the dwelling limit on your home isn’t enough to rebuild your house after a disaster. One unique option is Travelers’ green home coverage, which pays extra if you want to use eco-friendly materials when repairing or rebuilding your home after a covered claim.
» READ MORE: Travelers homeowners insurance review
USAA
Offers perks and affordable rates for the military community.- Policies include standard coverage that often costs extra elsewhere.
- Far fewer customer complaints to state regulators than expected for a company of its size.
- Rates are below the national average, according to NerdWallet’s analysis.
- Available only to active military members, veterans and their families.
USAA sells homeowners insurance to veterans, active military members and their families. If that description fits you, you may want to consider a USAA policy. That’s because the company’s homeowners insurance has certain features that other insurers may charge extra for.
For example, USAA automatically covers your personal belongings on a replacement cost basis. Many companies pay out only what your items are worth at the time of the claim, which means you may not get much for older items. USAA pays enough for you to buy brand-new replacements for your stuff.
» READ MORE: USAA homeowners insurance review
How much does homeowners insurance cost in Arizona?
The average annual cost of home insurance in Arizona is $2,565. That’s 22% higher than the national average of $2,110.
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 $4,885 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s 90% 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 $3,150 per year. In Tucson, homeowners insurance costs about $2,225 per year, on average.
City | Average annual rate | Average monthly rate |
|---|---|---|
Apache Junction | $2,650 | $221 |
Avondale | $2,485 | $207 |
Buckeye | $2,370 | $198 |
Casa Grande | $2,640 | $220 |
Chandler | $2,495 | $208 |
Flagstaff | $2,330 | $194 |
Gilbert | $2,380 | $198 |
Glendale | $2,665 | $222 |
Goodyear | $2,310 | $193 |
Kingman | $2,270 | $189 |
Lake Havasu City | $2,325 | $194 |
Laveen | $2,625 | $219 |
Maricopa | $2,605 | $217 |
Mesa | $2,665 | $222 |
Peoria | $2,515 | $210 |
Phoenix | $3,150 | $263 |
Prescott | $2,330 | $194 |
Queen Creek | $2,390 | $199 |
San Tan Valley | $2,455 | $205 |
Scottsdale | $2,650 | $221 |
Sierra Vista | $2,180 | $182 |
Surprise | $2,330 | $194 |
Tempe | $2,630 | $219 |
Tucson | $2,225 | $185 |
Yuma | $2,215 | $185 |
The cheapest home insurance in Arizona
Here are the insurers we found with average annual rates below the Arizona average of $2,565.
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
$1,480 | ||
Not rated | $2,145 | |
$2,345 | ||
$2,540 | ||
USAA* | $1,670 | |
*USAA homeowners policies are available only to active military, veterans and their families. | ||
Common risks for Arizona homeowners
Here are some things to keep in mind when evaluating home insurance in Arizona.
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.
To check your flood risk, start by looking up your address on the Federal Emergency Management Agency's flood maps. However, FEMA’s maps can be outdated and don’t always capture all types of flood risk. Another source to check is First Street, a private company that models climate hazards. Enter your address at the top of the page to see your home’s flood risk rating on a scale of 1 to 10.
» MORE: Do you need flood insurance?
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.
- Find home insurance in other states
Amanda Shapland contributed to this story.
Frequently asked questions
Is home insurance required in Arizona?
Is home insurance required in Arizona?
Home insurance is not required by state law, but your mortgage lender may require you to buy it. For more information, read Is Homeowners Insurance Required?
What does Arizona homeowners insurance cover?
What does Arizona homeowners insurance cover?
Arizona home insurance covers your home, other structures on the property and your personal belongings. It generally pays for damage due to fire, wind, theft and other events. The exact details will depend on your policy.
How can I save money on Arizona homeowners insurance?
How can I save money on Arizona homeowners insurance?
Here are three ways to save money on homeowners insurance in Arizona:
Shop around to make sure you’re getting the best rate.
Choose a higher deductible. In case of any claims, you’ll pay more out of pocket, but your annual rates will be lower.
Bundle your home and auto insurance for an overall lower rate.
Read more about home insurance discounts.
Can an insurance company in Arizona refuse to cover my dog?
Can an insurance company in Arizona refuse to cover my dog?
As of June 30, 2023, Arizona law will not permit insurers to limit or deny coverage based on the breed of dog you have. However, they can still refuse to insure a dog with a history of biting or other aggression.
Homeowners insurance rates methodology
NerdWallet calculated median rates for 40-year-old homeowners from various insurance companies in the 25 largest cities in each U.S. state by population. 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 2021-2023. 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.
