🏠 Home insurance cost in Phoenix, AZ (2026)
Estimated average: $1,932 per year — -16% vs. the U.S. average of $2,300.
$1,932
Est. home insurance in Phoenix
per year
$1,725
Arizona average
$2,300
U.S. average
1,650,070
Population
Estimate your home insurance in Phoenix
Phoenix home insurance estimator
Estimated$1,217/year
Starts from the Phoenix estimate. Get quotes to confirm your price.
Phoenix home insurance FAQ
How much is home insurance in Phoenix, AZ?
The estimated average is $1,932 per year — above the state average (+12% vs. the Arizona average of $1,725, and -16% vs. the U.S. average).
Is home insurance more expensive in Phoenix than elsewhere in Arizona?
Phoenix has about 1,650,070 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest home insurance in Phoenix?
Compare at least three quotes from insurers active in Phoenix, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.