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Best Tucson Homeowners Insurance Quotes (2025)

American Family, USAA, and Chubb offer the best homeowners insurance policies in Tucson, Arizona.

Anna Baluch
Written byAnna Baluch
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Anna BaluchInsurance Writer

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  • MBA from Roosevelt University

Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.

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Katie Powers
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Katie PowersSenior Editor

  • Licensed auto and home insurance agent

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Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Tucson homeowners pay an average of $2,160 per year for home insurance coverage with a $1,000 deductible and $300,000 in dwelling coverage. The cost of coverage in Tucson, Arizona, is slightly less than the national average cost of home insurance of $2,584, possibly due to the city’s decreasing crime rates.

To find the best deal on a home insurance policy in Tucson, it’s a good idea to shop around and compare home insurance quotes from multiple companies. Here’s what you need to know about home insurance in Tucson.

Quick Facts

  • Armed Forces Insurance, Chubb, and American Family Insurance offer the cheapest home insurance policies in Tucson, on average.

  • Tucson homeowners who select a deductible of $500 for an insurance policy with $300,000 in dwelling coverage pay an annual average of $2,236 for home insurance.

  • Home insurance premiums in Tucson are lower on average than in other Arizona cities, like Phoenix, Tempe, and Mesa. But average costs are higher in Tucson than in Peoria.

Best home insurance companies in Tucson

When looking for homeowners insurance in Tucson, you have several top companies to choose from. The right insurer for you depends on factors like your budget, home value, and unique coverage needs.

Here are three of the best home insurance companies in Tucson to help you with your search.

Best insurer for cheap rates: American Family

cheap ratesAmerican Family logoAmerican Family

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.6/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
638
$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.
$142/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.
$210/mo

American Family is one of the most affordable home insurance companies in Tucson. Aside from cheap insurance rates, the home insurance company offers a variety of useful add-ons, such as flood insurance, service line coverage, water/sewer backup coverage, and scheduled property coverage. Plus, you can file a claim and request support at any time.

Pros

  • Local agents in Tucson

  • Many discounts available

Cons

  • Must work with an agent to buy a policy

  • Lower AM Best financial strength rating than other insurers

Best insurer for veterans: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
737
$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.
$147/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.
$212/mo

About 34,000 veterans live in Tucson, according to U.S. Census Bureau data.[1] If you’re a veteran or part of the military community, it’s worth exploring home insurance coverage through USAA. Its standard insurance policy comes with personal property replacement cost coverage to protect your possessions from damage.

Pros

  • Special perks for military members

  • Contractor network for repairs

Cons

  • Available only to military personnel and their families

  • Guaranteed replacement coverage not available

Best insurer for high-value homes: Chubb

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.8/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
688
$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.
$230/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.
$361/mo

The Tucson area is home to many high-value homes in places like Pima Canyon and El Encanto Estates. If you own an expensive property in the area, Chubb might be a good fit for your coverage needs. The insurance company offers Masterpiece policies that include electronic data restoration, proactive damage assessments, downed-tree removal, lock replacement services, and other unique coverages you might not be able to find elsewhere.

Pros

  • Complimentary home appraisals 

  • High J.D. Power rating for property claims satisfaction[2]

Cons

  • Only insures high-value homes

  • Quotes not available online

  • Our editorial team analyzed regional and national home insurance companies that sell policies in Tucson to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.

Cheapest home insurance companies in Tucson

Armed Forces Insurance and Chubb offer the lowest home insurance rates in Tucson, with respective average annual rates of $930 and $1,065 for an insurance policy with $300,000 in dwelling coverage and a $1,000 deductible.

When determining premiums, home insurance companies consider factors like your home condition, ZIP code, past claims, and more. It’s always important to compare quotes from multiple home insurance companies.

The table below highlights the cheapest homeowners insurance companies in Tucson.

Insurance Company
sort ascsort desc
Average Annual Premium
sort ascsort desc
Armed Forces Insurance$930
Chubb$1,065
American Family$1,280
Auto-Owners$1,330
State Farm$1,363
Travelers$1,394
Allstate$1,453
USAA$1,456
Allied$1,466
Foremost$1,707
ASI$1,766
Nationwide$2,144
Farmers$2,591
Farm Bureau Mutual$3,107
Encompass$3,326
COUNTRY Financial$3,810

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How much is home insurance in Tucson?

On average, a Tucson home insurance policy with $300,000 in dwelling coverage is $2,160 with a $1,000 deductible and $2,236 with a $500 deductible. The size of your home, your preferred coverage level, your deductible, and the value of your personal belongings will all influence your home insurance cost.

Cost of home insurance by dwelling coverage in Arizona

If your Tucson home faces damage after a covered loss, it’s important you have enough dwelling coverage to repair or rebuild it. To determine the right amount of dwelling coverage, consider the age of your home, its square footage, and interior features. Higher dwelling coverage will increase your average annual home insurance premiums.

Here’s how various dwelling coverage amounts in Arizona might affect homeowners insurance rates for policies with a $1,000 deductible.

Coverage Limit
sort ascsort desc
Average Annual Premium
sort ascsort desc
$100,000$1,292
$200,000$1,853
$300,000$2,432
$400,000$3,012
$500,000$3,623

Cost of homeowners insurance by deductible amount

Your home insurance deductible is how much you’ll have to pay out of pocket when you file a claim. After you pay your deductible, your insurance will take care of the remaining amount. A higher deductible can lower your premiums, but you’ll have to spend more out of pocket.[3] Note that the most common deductibles for home insurance policies are $500 and $1,000.

The table below shows how deductible amounts affect average annual home insurance rates in Tucson for home insurance with $300,000 in dwelling coverage.

Deductible Amount
sort ascsort desc
Average Annual Premium
sort ascsort desc
$500$2,236
$1,000$2,160

Average cost of home insurance in other cities in Arizona

Your city and ZIP code can affect your home insurance quote due to fluctuating weather, crime rates, and proximity to fire stations. For example, if you live in an area with a high flooding risk, you’ll likely pay more for your insurance policy.

Here’s a look at how the average cost of home insurance in Tucson compares to other cities in Arizona. The annual premiums below reflect averages for an insurance policy with $300,000 in dwelling coverage and a $1,000 deductible.

City
sort ascsort desc
Average Annual Premium
sort ascsort desc
Buckeye$2,314
Casa Grande$2,411
Chandler$2,263
Glendale$2,751
Mesa$2,709
Peoria$2,084
Phoenix$2,709
Tempe$2,781
Tucson$2,160
Yuma$2,134

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What to know about owning a home in Tucson

As a Tucson homeowner, you should familiarize yourself with the following risks and natural disasters that might affect your home:

  • illustration card https://a.storyblok.com/f/162273/100x100/4ec24627d2/flood-coverage.svg

    Floods

    Flooding is a risk in Pima County. Standard home insurance won’t usually pay for floods, but you can invest in a separate flood insurance policy from a private insurance company or the National Flood Insurance Program (NFIP).[4]

  • illustration card https://a.storyblok.com/f/162273/150x150/bc1c474c28/weather-96x96-yellow_045-thunder.svg

    Hurricanes

    Hurricanes such as Hurricane Hilary, which hit Tucson in 1993, are a possibility in the area. Standard home insurance policies typically pay for home damage from strong winds and storms but not damage from flooding.

  • illustration card https://a.storyblok.com/f/162273/150x150/9e462f87fd/insurify-icons-auto-orange-96x96_010-house.svg

    Extreme heat

    Temperatures exceeding 100 degrees Fahrenheit aren’t uncommon in Tucson. The good news is that standard home insurance protects against heat-related damages.

Tucson home insurance FAQs

Home insurance is essential if you’re a homeowner in Tucson. The following information can help answer your remaining questions about finding coverage in Tucson.

  • On average, a home insurance policy in Tucson costs $2,160 per year for $300,000 in dwelling coverage and a $1,000 deductible. Since hurricanes and flooding may occur in Tucson, it might make sense to buy flood insurance through the NFIP or a private insurance company.

  • Armed Forces Insurance offers the lowest rates for home insurance in Tucson, with an average annual premium of $930 for an insurance policy with $300,000 in dwelling coverage.

    While coverage from Armed Forces Insurance is only available to the military community, you can also lock in affordable coverage with American Family Insurance and Chubb. To earn lower insurance rates, you can increase your deductible, look into insurance discounts, and bundle your home and auto insurance.

  • The average annual cost of a home insurance policy in Arizona with $500,000 in dwelling coverage and a $1,000 deductible is $3,623. The age of the house, coverage level, deductible, and interior features will affect the exact premium.

  • The 80% rule states that the home insurance company will only cover the damage if your insurance coverage is at least 80% of your home’s total replacement value. If the amount of coverage is below the 80% threshold, the insurance company will only reimburse you an amount proportional to the minimum you should’ve purchased.

Sources

  1. United States Census Bureau. "QuickFacts Tucson city, Arizona."
  2. J.D. Power. "Customer Satisfaction with Homeowners Insurance Property Claims Declines to 7-Year Low Amid Record Catastrophic Events and Slower-Than-Ever Repair Times, J.D. Power Finds."
  3. Insurance Information Institute. "How to save money on your homeowners insurance."
  4. Pima County. "Flood Hazard Map & Information."
Anna Baluch
Anna BaluchInsurance Writer

Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.

Anna has been a contributor at Insurify since December 2022.

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Katie Powers
Edited byKatie PowersSenior Editor
Photo of an Insurify author
Katie PowersSenior Editor

  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

  • NPN: 20564519

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Read Editorial Guidelines

View Full Bio

Featured in

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