Average home insurance cost in Arizona
Arizona lands in the pricier half of the table at #35 of 51, about 37% above the national average — roughly $925 more per year than the typical American homeowner pays.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
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How Arizona compares with its neighbors
| State | Annual premium | Difference vs AZ |
|---|---|---|
| Arizona | $3,415 | — |
| California | $1,820 | −$1,595/yr |
| Nevada | $1,635 | −$1,780/yr |
| New Mexico | $2,800 | −$615/yr |
| Utah | $1,810 | −$1,605/yr |
Arizona home insurance FAQ
How much is homeowners insurance in Arizona?
Home insurance in Arizona averages $3,415 per year — about $285 per month — for a benchmark policy with $400,000 in dwelling coverage, $300,000 liability and a $1,000 deductible. Your rate depends on your home's age, construction, location and claim history.
Is home insurance in Arizona more expensive than average?
Yes. Arizona's average of $3,415/year runs about 37% above the U.S. average of $2,490/year, ranking #35 of 51 (1 = cheapest).
How can I lower my home insurance bill in Arizona?
The four moves that reliably work: compare quotes from at least three carriers (the biggest lever — gaps of $1,000+ per year for identical coverage are common), raise your deductible to an amount you could cover in an emergency, bundle home and auto with one carrier for a 10–25% discount, and ask about discounts for wind-resistant roofing, monitored security systems and claim-free history.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
Compare home insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.