Find the Cheapest Homeowners Insurance Quotes in Your Area
We evaluated homeowners insurance quotes for a sample 2,000 square foot home in 51 cities in the state of Arizona in order to determine which cities had the highest and lowest annual home insurance costs. Based on this sample property, Arizona homeowners pay on average $1,318 per year for home insurance. Home insurance prices in Arizona vary by over 95% between the cities in our study. Read more about our findings, or use our quote tool above to find homeowners insurance quotes in your area.
- Best Homeowners Insurance Companies in Arizona
- Cheapest Home Insurance Companies
- Homeowners Insurance Rates in Arizona's Largest Cities
- Top 5 Least Expensive Cities for Home Insurance In Arizona
- Top 5 Most Expensive Cities for Home Insurance in Arizona
Best Homeowners Insurance Companies in Arizona
The best Arizona home insurance company for you will have appropriate coverage features, affordable rates, exceptional financial stability ratings and a good customer service reputation. Focusing on customer service, we've ranked the biggest homeowners insurance companies in the Grand Canyon State by customer complaints.
The best homeowners insurance companies in Arizona for customer service are Chubb, USAA and State Farm. The worst home insurance companies in Arizona by this measure are CSAA, The Hartford and American Family.
|Rank||Company||Market share||Complaint ratio|
|8||Hartford Fire and Casualty||2.6%||0.96|
|10||Chubb (Pacific Indemnity)||2%||0.04|
Find the Cheapest Homeowners Insurance Quotes in Your Area
Customer service experiences in Arizona home insurance are strong on average, with nine of the 10 largest companies receiving customer complaint ratios below the national median of 1.0. The one notable exception is CSAA Insurance, an AAA-affiliated insurance company, which received a customer complaint ratio of 2.2, indicating a rate of customer complaints far in excess of the national median.
Cheapest Home Insurance Companies in Arizona
We gathered quotes for our sample home across 51 cities from State Farm, Farmers, Allstate and Nationwide. Quotes from each company were averaged to find which insurance companies had the best home insurance rates in Arizona. The graph below shows the average annual costs to insure our sample home by company alongside the state average:
Best Homeowners Insurance Rates in Arizona's Largest Cities
We evaluated homeowners insurance rates across the largest cities in Arizona. Our study implemented control variables to gather quotes that can be compared to one another. On average, homeowners in the ten largest cities pay 6% less than the state mean on homeowners insurance. The cost for home insurance in the ten largest cities was an average of $1,240 per year.
Phoenix, the largest city in Arizona, is one of the few cities in the country that has four professional sports teams. Phoenix is a popular sports town and has hosted the Super Bowl multiple times over the past two decades. The average cost of home insurance in Phoenix is $1,453, which is $135 more than the state mean.
Nationwide offered the most affordable home insurance quote in Phoenix at an annual cost of $876. Farmers, the most expensive insurance company in the city based on our study, quoted our sample home an annual cost of $2,235, which is $1,360 greater than Nationwide’s quote.
Tucson is the second largest city in the state of Arizona. The city of Tucson is situated in a valley surrounded by five separate mountain ranges. Aside from these mountain ranges, Tucson is located near Catalina State Park and Coronado National Forest. Residents of Tucson pay an average of $1,175 for home insurance per year, which is 11% less than the state mean.
The most affordable quote in the area was offered by Nationwide at $664 per year. The second most affordable rate was offered by State Farm at $937 per year, which is $273 greater than Nationwide’s quote. Farmers, the least affordable insurance company in the area, offered a quote of $1,919.
Mesa, the third largest city in the state of Arizona, is located in the outskirts of Phoenix. The city’s largest educational institutions are Mesa Community College, Arizona State University (Polytechnic) and East Valley Institute of Technology. The three institutions serve over 37,000 students. Based on our research, the average homeowners insurance quote in the city is $1,444. Residents of Mesa pay 10% more for their home insurance than the state mean.
Farmers was the only insurance company in our study that offered a quote that was greater than the state average. Farmers offered an annual home insurance rate of $2,386. Farmers’ quote was more than $1,000 more expensive than the next most affordable quote.
Chandler is the fourth largest city in the state. The city is well known for its Tumbleweed Tree Lighting Ceremony. The Tumbleweed tree is made from 1,500 to 2,000 tumbleweeds and adorned with lights during the holidays. The average annual homeowners insurance quote in Chandler is $1,429, which is 8% greater than the state mean.
If you’re looking for affordable home insurance rates in Chandler, we suggest starting with State Farm, which quoted our sample home a cost of $984 annually. Farmers offered the least affordable rate at $2,292 per year, which is $1,308 greater than State Farm’s quote. Based on our sample, State Farm is the only insurance company that offers home insurance in Chandler for less than $1,000 per year.
Glendale, the fifth largest city in Arizona, was founded in 1892. Glendale is located near other major cities in the state, including Tempe and Phoenix. The city is home to Luke Air Force Base, where more than 3,000 active military members work. The mean home insurance rate in Glendale is $1,162, which is $156 less than the state average.
Nationwide quoted the least expensive rate in Glendale at $854 per year, which is $836 less than the quote of $1,690 provided by Farmers, the least affordable insurance company in the area. Glendale ranks just inside the first quartile for the most affordable cities for home insurance in Arizona.
The sixth largest city in Arizona, Scottsdale, is located in the Sonoran Desert. The desert covers an area of around 100,000 square miles. Scottsdale is home to over 90 restaurants, 320 retail shopping destinations and dozens of art galleries. Residents of Scottsdale pay an average home insurance cost of $1,321.
Nationwide’s quote of $682 per year was by far the cheapest option in Scottsdale. The next more affordable insurance company was State Farm. State Farm offered a quote that was $476 greater than the quote offered by Nationwide. Residents of of Scottsdale pay just $3 more than the state average for their home insurance.
Tempe is the seventh largest city in the state of Arizona. The city is home to Arizona State University, which is one of the largest public universities in the country. Arizona State University has maintained enrollment of over 70,000 students since 2015. Our research found that the average home insurance rate in Tempe was $1,159, which is $159 less than the state mean.
Nationwide and State Farm offered the most competitive rates in Tempe, the companies offered annual rates of $763 and $998, respectively. Farmers quoted the least affordable rate at $1,440 annually. Based on our study, home insurance rates in Tempe varied by $677.
Peoria, the eighth largest city in Arizona, is located along the western coast of Upper Peoria Lake. Peoria has many parks within its limits, including the Rio Vista Recreation Center, which is 52-acres in size. On average, residents of Peoria pay 17% less for their home insurance than the state mean.
Nationwide offered the most affordable quote from the insurance companies sampled. Nationwide’s home insurance quote of $762 is $793 less than the quote offered by Farmers, the most expensive insurance company in the city. Peoria ranks as the fifth most affordable city for home insurance in the state.
Surprise is the ninth largest city in the state, but it was once just one square mile in size. The city was named by its founder, Flora Mae Statler. Residents pay an average of $1,074 per year for homeowners insurance.
Based on our study, home insurance rates in Surprise vary by $929. Despite the variation, Surprise ranks as the fourth most affordable city for home insurance in Arizona. Residents pay 19% less than the state mean for their home insurance. The only cities that are cheaper for home insurance rates in Arizona are Sedona, Goodyear and Kingman.
Yuma, the tenth largest city in Arizona, is located near the United States-Mexico border. The city’s population usually increases dramatically during the winter due to Yuma’s various RV parks and resorts. The city is home to its very own international airport. Yuma has an average annual home insurance cost of $1,093, which is $225 less than the state average.
Nationwide quoted the cheapest home insurance rate in the city at $556. The second most affordable insurance company, State Farm, offered a quote of $981, which is $425 greater than Nationwide’s quote. Yuma is the sixth most affordable city for home insurance in Arizona. On average, residents pay 17% less than the state mean.
Least Expensive Homeowners Insurance in Arizona: by City
The graph below shows the five best cities for home insurance of all 51 cities which were part of this study. The cities are listed in order of mean price starting with the lowest average home insurance quote and ascending. Sedona is the cheapest city in Arizona for homeowners insurance. Residents pay $996 annually on average, which is $322 lower than the state average.
Sedona is the most affordable city in Arizona for home insurance. On average, residents pay 24% less for their homeowners insurance policy than the state mean. Allstate offered the only quote in Sedona that was greater than the state average.
Goodyear offers the second most affordable home insurance rates in the state of Arizona. The mean home insurance quote in the city was $1,039, which is 21% cheaper than the state average. The most affordable quote in Goodyear was offered by Nationwide at $829 annually.
Kingman ranks as the third least expensive city in Arizona for homeowners insurance. The average home insurance quote gathered in the city of Kingman was $1,048, which is $270 less than the state mean. On a percentage basis, this represents a 20% discount.
Surprise has the fourth most affordable home insurance rates in Arizona. Residents pay an average of $1,074 per year, which is $244 less than the state mean. The lowest rate in the city was offered by Nationwide at $745 per year.
Peoria is ranked the fifth least expensive city in Arizona for homeowners insurance. On average, residents pay $1,089 for home insurance, which represents a 17% lower rate when compared to the state mean. On an annual basis, residents save $229 on homeowners insurance versus the state average.
Most Expensive Homeowners Insurance in Arizona: by City
The graph below shows the five most expensive places of all 51 cities which were part of this study. The cities are listed in order of price starting with the highest average rate and descending. The most expensive city for homeowners insurance was Benson where our research found an average annual rate of $1,946, which is $628 greater than the state average.
We studied 51 cities, spread out geographically all throughout the state of Arizona. The sample home we looked at was built in the year 2000 and had 2,000 square feet. The property cost $200,000 and had an attached garage. Quotes for this home were obtained from State Farm, Farmers, Allstate and Nationwide insurance companies. The rates were then averaged to arrive at an average for each city. We've displayed all cities with the average annual cost of insurance for the benchmark property and how much each city costs relative to the statewide average.
|Rank||City||Average Insurance Rate||Cost Compared to Average|
|11||Lake Havasu City||1,158||-12%|