Best Homeowners Insurance Companies in Arizona (2026)
American Family, Chubb, and Auto-Owners are some of the best and lowest-cost homeowners insurance companies in Arizona.
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Written byCatherine Hiles
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Catherine HilesInsurance, Personal Finance Writer
16+ years in personal finance and insurance writing
Certified Financial Education Instructor
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Edited byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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Reviewed byChase Gardner
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Chase GardnerData Insights Manager
Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
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Data reviewed byAndrew Huang
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Andrew HuangVP, Marketing & Analytics
Chartered financial analyst
12+ years in data analysis and marketing
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Updated
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Homeowners insurance in Arizona costs an average of $181 per month for $300,000 of dwelling coverage and a $1,000 deductible. That’s less than the national average of $239 per month for similar coverage.
The hot desert climate in Arizona makes the state prone to wildfires, flash floods, and windstorms, among other hazards.[1] A homeowners insurance policy helps you repair and replace your home and personal belongings if you have a covered loss.
Comparing home insurance quotes can help you find the best coverage in Arizona for your needs and budget.
Quick Facts
American Family, Chubb, and Auto-Owners are among the best homeowners insurance companies in Arizona.
The cheapest home insurance company in Arizona is USAA, with an average monthly premium of $106 for a policy with $300,000 in dwelling coverage and a $1,000 deductible.
Arizona monsoons can cause flash flooding. Homeowners insurance doesn’t cover flood damage, so consider purchasing a separate flood insurance policy.
Best home insurance companies in Arizona
Arizona homeowners have many choices when it comes to quality home insurance. The best home insurance company for you depends on your individual situation and needs. Consider the five homeowners insurance companies listed below as you start your search for the best policy in Arizona.
American Family: Best for cheap rates
| 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. | $132/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. | $182/mo |
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.72
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company
American Family has some of the lowest home insurance rates in Arizona. You can save up to 40% on your insurance premiums by bundling your home insurance with your car insurance.
While American Family can help you buy flood insurance through the National Flood Insurance Program (NFIP), it also offers a flash flood endorsement, which costs less than a flood policy and provides limited coverage for Arizona homeowners in low-risk areas. The company offers additional savings, including loyalty and generational discounts, to lower your premium even further.
Pros
Low average homeowners insurance rates in Arizona
Generous bundling discount
Many additional discounts available
Cons
Lower financial strength rating than some competitors
Flash flood endorsement doesn’t replace flood insurance
May have dog breed restrictions
Chubb: Best for fire protection
| 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. | $124/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. | $204/mo |
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.12
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
Arizona is hot and dry, making it highly prone to wildfires. In 2024 alone, the state experienced 2,162 fires.[2] Chubb Insurance offers its Wildfire Defense Service at no extra charge to help Arizona homeowners in several ways. Once you enroll, you can get a personalized wildfire hazard assessment with recommendations for mitigating your home’s risk, such as clearing brush or installing water tanks.
Chubb also keeps you informed about approaching wildfires so you can prepare and evacuate if necessary. After first responders have extinguished the fire, Chubb will help you with cleanup and guide you through filing a claim.
Pros
Standard wildfire monitoring, prevention, and mitigation services
High J.D. Power customer satisfaction rating
Low average homeowners insurance rates in Arizona
Cons
No online quote option
Fewer discounts than many competitors
Fewer customizable coverage options
Auto-Owners: Best for customizable coverage
| 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. | 7.4 /10 |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 634 |
| $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. | $182/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. | $291/mo |
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.39
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
Cookie-cutter home insurance policies aren’t for everyone. If you want to tailor your homeowners insurance coverage to your unique needs, consider Auto-Owners. In addition to the standard coverages (dwelling, other structures, personal property, personal liability, medical payments to others, and additional living expenses), you can select water backup, equipment breakdown, identity theft, and home cyber coverage.
Auto-Owners also has optional inland flood coverage, which is typically cheaper than a separate flood insurance policy. The insurer offers several discounts, including multi-policy, paid-in-full, protective devices, and mortgage-free discounts.
Pros
Several additional coverage options available
Optional inland flood insurance add-on
Many additional discounts available
Cons
Higher average premiums than some insurers
Below-average J.D. Power customer satisfaction rating
No online quote option
Amica: Best for customer experience
| 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. | 8.2 /10 |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 679 |
| $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. | $132/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. | $200/mo |
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.37
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company
Amica received one of the highest customer satisfaction ratings in the J.D. Power 2025 U.S. Home Insurance Study, beating second-place Chubb by 28 points. The insurer scored well in several key categories, including problem resolution, people, trust, and ease of doing business.
With optional coverage add-ons for water backup, sump overflow, valuables, and identity fraud, Amica lets you tailor your policy to your needs. And if you choose a dividend policy, you could receive a portion of your annual premium back.
Pros
High J.D. Power customer satisfaction rating
Superior (A+) AM Best financial strength rating
Dividend policies can return a portion of premiums
Cons
Dividend plans may have higher up-front premiums
Limited local offices
No claims representatives available on Sundays
USAA: Best for veterans
| 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. | $106/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. | $144/mo |
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.47
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
Arizona is home to more than 625,000 military members and veterans, many with unique insurance needs. USAA offers coverage for these homeowners and their families, including deductible-free coverage for uniforms, military equipment, and personal property that’s lost or damaged due to war.
USAA offers some of the lowest average home insurance premiums. Its standard policies also include replacement cost coverage, which pays to replace damaged belongings without depreciation.
Pros
Lowest average premiums
Highest J.D. Power customer satisfaction rating
Additional benefits for military members
Cons
Available only to military members, veterans, and their families
Fewer discounts than some competitors
Limited customer service hours
Our editorial team analyzed dozens of regional and national home insurance companies that sell policies in Arizona 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 in Arizona
USAA has some of the cheapest home insurance in Arizona, averaging $106 per month for a policy with $300,000 of dwelling coverage and a $1,000 deductible.
The following table shows cheap home insurance companies in Arizona and their rates for similar policies.
The below rates in Arizona are estimated rates current as of: Sunday, May 31 at 5:00 PM PDT.
Data reviewed by Andrew Huang
Andrew HuangVP, Marketing & Analytics
Chartered financial analyst
12+ years in data analysis and marketing
Featured in
Insurance Company  | Average Annual Premium: With $300,000 in Dwelling Coverage |
|---|---|
| USAA | $1,272 |
| State Farm | $1,476 |
| Chubb | $1,488 |
| Travelers | $1,488 |
| American Family | $1,584 |
| Allstate | $1,896 |
| Farmers | $1,932 |
| Foremost | $2,004 |
| Allied | $2,148 |
| Auto-Owners | $2,184 |
| Nationwide | $2,484 |
| Encompass | $3,156 |
| Country Financial | $3,480 |
Find Cheap Home Insurance in Arizona
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How much does homeowners insurance cost in Arizona?
The average cost of homeowners insurance in Arizona is $181 per month for a policy with $300,000 of dwelling coverage and a $1,000 deductible.
Several factors affect the cost of your policy, including the following:[3]
Your home’s wildfire and flood risk
Your home’s age and construction type
Your home’s condition
Your policy type and coverage level
Your chosen deductible
Your credit and claims history
Consider adjusting your home insurance coverage level and deductible to lower your premiums. It’s also smart to ask your insurer whether you’re eligible for any discounts.
Cheapest home insurance companies in Arizona by dwelling coverage
Dwelling coverage pays to repair or rebuild your home after a covered event. The table below shows the cheapest Arizona home insurance companies by dwelling coverage and their average annual premiums.
The below rates in Arizona are estimated rates current as of: Sunday, May 31 at 5:00 PM PDT.
Data reviewed by Andrew Huang
Andrew HuangVP, Marketing & Analytics
Chartered financial analyst
12+ years in data analysis and marketing
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Insurance Company | Average Annual Premium |
|---|---|
| USAA | $996 |
| Chubb | $1,008 |
| Travelers | $1,032 |
| State Farm | $1,176 |
| American Family | $1,272 |
| Farmers | $1,308 |
| Foremost | $1,344 |
| Allstate | $1,476 |
| Allied | $1,548 |
| Auto-Owners | $1,632 |
| Nationwide | $1,836 |
| Encompass | $2,472 |
| Country Financial | $2,592 |
The below rates in Arizona are estimated rates current as of: Sunday, May 31 at 5:00 PM PDT.
Data reviewed by Andrew Huang
Andrew HuangVP, Marketing & Analytics
Chartered financial analyst
12+ years in data analysis and marketing
Featured in
Insurance Company | Average Annual Premium |
|---|---|
| USAA | $1,272 |
| State Farm | $1,476 |
| Chubb | $1,488 |
| Travelers | $1,488 |
| American Family | $1,584 |
| Allstate | $1,896 |
| Farmers | $1,932 |
| Foremost | $2,004 |
| Allied | $2,148 |
| Auto-Owners | $2,184 |
| Nationwide | $2,484 |
| Encompass | $3,156 |
| Country Financial | $3,480 |
The below rates in Arizona are estimated rates current as of: Sunday, May 31 at 5:00 PM PDT.
Data reviewed by Andrew Huang
Andrew HuangVP, Marketing & Analytics
Chartered financial analyst
12+ years in data analysis and marketing
Featured in
Insurance Company | Average Annual Premium |
|---|---|
| USAA | $1,728 |
| State Farm | $1,968 |
| American Family | $2,184 |
| Chubb | $2,448 |
| Travelers | $2,496 |
| Allstate | $3,072 |
| Farmers | $3,384 |
| Auto-Owners | $3,492 |
| Foremost | $3,504 |
| Allied | $3,684 |
| Nationwide | $3,684 |
| Encompass | $4,356 |
| Country Financial | $5,124 |
The below rates in Arizona are estimated rates current as of: Sunday, May 31 at 5:00 PM PDT.
Data reviewed by Andrew Huang
Andrew HuangVP, Marketing & Analytics
Chartered financial analyst
12+ years in data analysis and marketing
Featured in
Insurance Company | Average Annual Premium |
|---|---|
| USAA | $2,244 |
| State Farm | $2,496 |
| American Family | $2,808 |
| Chubb | $3,504 |
| Travelers | $3,672 |
| Allstate | $4,236 |
| Farmers | $4,908 |
| Auto-Owners | $5,016 |
| Nationwide | $5,088 |
| Foremost | $5,436 |
| Encompass | $5,676 |
| Allied | $6,120 |
| Country Financial | $7,380 |
Arizona homeowners insurance cost by city
Homeowners insurance costs can vary depending on which Arizona city you live in. For example, homes in areas with a higher wildfire risk, such as Flagstaff, are typically more expensive to insure than homes in areas with a lower risk, such as Glendale.
Areas with higher property values, such as Scottsdale, typically have higher home insurance costs. Homeowners in areas with higher-than-average crime rates may also pay higher insurance premiums.[4]
The following table shows the average annual cost of homeowners insurance in two Arizona cities for a policy with $300,000 in dwelling coverage and a $1,000 deductible.
What homeowners should know about insurance in Arizona
With its hot, dry climate, Arizona experiences unique weather-related risks that can affect the cost of homeowners insurance. Below are three common risks and what to know about each.
Wildfires
Arizona has a wildfire risk greater than 86% of states.[5] This makes it especially important to ensure your homeowners insurance policy provides adequate coverage.
You can also check whether your insurer offers homeowners insurance discounts for making upgrades to help your home better withstand wildfires.
To protect your home from wildfire, the National Fire Protection Association recommends keeping your roof and gutters clear of leaves and other flammable debris. It also suggests spacing trees at least 18 feet apart to prevent fire from spreading.[6]
Summer monsoons
Summer monsoon storms are common in Arizona in late June and early July. Monsoons can cause flash flooding, and Arizona averages four flooding fatalities per year. If you live in a city or in the desert, you’re more likely to see flash floods because the ground is less permeable.
Standard homeowners insurance doesn’t cover flooding, so you’ll need a separate flood insurance policy to protect you against flash floods. Check whether your home insurance company offers private flood coverage or can help you buy a policy through the National Flood Insurance Program (NFIP).
Windstorms
During the summer, Arizona experiences strong windstorms, usually in the form of straight-line winds. Homeowners insurance typically covers windstorms, but some insurers have separate percentage-based deductibles for windstorm damage.[7]
Your insurer may offer a discount if you make your home more wind-resistant. For example, replacing your roof and windows with impact-resistant products can lessen the chance of damage, which means less risk for the insurer.
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How much homeowners insurance do you need in Arizona?
Like most states, Arizona doesn’t require homeowners to carry insurance. But if you have a mortgage, your lender will likely require an active home insurance policy.
Here’s what to know about what homeowners insurance covers and how much you need:
Dwelling coverage
Dwelling coverage pays to repair or rebuild your home after a covered event damages it, up to your policy limits. You’ll need enough coverage to pay for rebuilding, which could be more or less than you paid for the home.
Personal property coverage
Personal property coverage pays to replace your belongings if a covered event damages or destroys them. Making a home inventory helps you determine the right level of coverage and streamlines the claims process.
Personal liability coverage
Personal liability coverage pays for damages and protects you from lawsuits if you accidentally cause property damage or bodily injury. Homeowners insurance policies typically have at least $100,000 in liability coverage, but you can increase your limits if you have considerable personal assets.
Loss of use coverage
Loss of use coverage (also called additional living expenses coverage) helps pay for hotel stays, restaurant meals, and similar expenses if a covered event temporarily displaces you from your home. Coverage varies by insurer, though 20% of your dwelling limit is common.
How to contact the Arizona Department of Insurance
The Arizona Department of Insurance & Financial Institutions (DIFI) licenses, monitors, investigates, and examines regulated industries in the state, including insurance. The DIFI can help you look up a license or file a complaint, among other services.
Here’s how to contact the Arizona DIFI:
Online: https://difi.az.gov/
By phone: 1 (602) 364-3100
In person: 100 N. 15th Ave., Ste 261, Phoenix, AZ, 85007
Arizona homeowners insurance FAQs
For more information on choosing the best insurance for your Arizona home, see the answers to frequently asked questions below.
How much is home insurance in Arizona?
The average monthly cost of home insurance in Arizona is $181 for a policy with $300,000 in dwelling coverage and a $1,000 deductible, according to Insurify data.
Which company has the cheapest homeowners insurance in Arizona?
With an average monthly premium of $106 for a policy with $300,000 in dwelling coverage and a $1,000 deductible, USAA has the cheapest homeowners insurance in Arizona.
Does Arizona require homeowners insurance?
No. Arizona doesn’t require homeowners insurance, but mortgage lenders typically require you to carry insurance for the life of the loan to protect their (and your) investment.
How can you lower your home insurance premiums in Arizona?
You can lower your home insurance premiums in Arizona by comparing quotes from several insurers, increasing your deductible, improving your home’s disaster resistance, bundling your home and auto insurance, and asking your insurer about discounts.
How much is homeowners insurance for a $500,000 house in Arizona?
The average monthly cost of a homeowners insurance policy in Arizona for $500,000 in dwelling coverage and a $1,000 deductible is $277.
What factors affect homeowners insurance rates in Arizona?
Several factors can affect your home insurance premiums in Arizona, including your coverage type and limits, your deductible, your home’s location and condition, and your claims history.
Sources
- Arizona State University School of Geographical Sciences and Urban Planning. "Basics of the Arizona Monsoon & Desert Meteorology."
- Arizona Department of Forestry and Fire Management. "Arizona Fire Information."
- Arizona Department of Insurance & Financial Institutions. "Homeowners Insurance."
- Insurance Information Institute. "12 Ways to Lower Your Homeowners Insurance Costs."
- USDA Forest Service Wildfire Risk to Communities. "Arizona has a high risk of wildfire—higher than 86% of states in the US.."
- National Fire Protection Association. "Preparing Homes for Wildfire."
- Insurance Information Institute. "Which disasters are covered by homeowners insurance?."
Methodology
Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.
Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:
Default Coverage Assumptions
- Dwelling coverage: $300,000
- Deductible: $1,000
- Personal property limit: $25,000
- Liability limit: $300,000
Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.
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Catherine HilesInsurance, Personal Finance Writer
16+ years in personal finance and insurance writing
Certified Financial Education Instructor
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Chase GardnerData Insights Manager
Data expert on auto trends and driver behavior
University of Chicago graduate with statistics degree
Featured in
Andrew HuangVP, Marketing & Analytics
Chartered financial analyst
12+ years in data analysis and marketing
Featured in