🏠 Home insurance cost in Arizona (2026)

The estimated average is $1,725 per year — below the national average (-25% vs. the U.S. average of $2,300).

$1,725
Avg. home insurance
per year
#29
of 51 states
cheaper than avg
$2,300
U.S. average
per year
West
Region

Arizona is home to about 7.4 million people, and home insurance here runs below the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Phoenix typically differ from smaller towns.

Estimate your home insurance in Arizona

Arizona home insurance estimator

Estimated$1,087/year

Starts from the Arizona average. Estimate only — get quotes to confirm.

Home insurance cost in Arizona cities

Estimated home insurance per year in major Arizona cities.
CityPopulationEst. home insurance
Phoenix1,650,070$1,932
Tucson546,574$1,863
Mesa512,498$1,863
Chandler280,167$1,794
Gilbert275,424$1,794
Glendale250,104$1,794
Scottsdale242,753$1,725
Tempe184,118$1,725

Arizona home insurance FAQ

How much is home insurance in Arizona?

The estimated average home insurance in Arizona is $1,725 per year, which is below the national average (-25% vs. the U.S. average of $2,300). Arizona ranks 29 of 51 states from most to least expensive.

Why is home insurance cheaper in Arizona?

Home insurance pricing in Arizona reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the West.

How can I save on home insurance in Arizona?

Compare at least three quotes from insurers active in Arizona, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.

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