See Arizona homeowner insurance cost (premiums) by home values and deductibles, across the state and major cities.The data is from MFP’s Community Home Insurance Survey where Arizona homeowners shared costs and recommendations for home insurers, agents, and brokers.
Shopping for home insurance is not always easy and we gathered this data to help your choice.
Updated: June 11, 2026
<< Human Powered Recommendations from Arizona Homeowners >>
- Arizona Best Home Insurance Companies
- Best Home Insurance by City: Cost, Deductible & Rating
- Main Home Insurance Cost Factors in Arizona
- Best Home Insurance Discounts in Arizona
- How to Find the Best Cheap Home Insurance in Arizona
- 5 Ways to Reduce Your Home Insurance Cost
- What Does Home Insurance Cover in Arizona?
- Extra Coverage Options in Arizona
- FAQ: Home Insurance in Arizona
Arizona Best Insurance Companies
MFP’s Community Home Insurance Survey most recommended home insurers in Arizona are State Farm, USAA, and American Family.
| Insurer | Coverage | Customer Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|
| State Farm | 4 | 4 | 5 | 5 | 92% |
| USAA | 5 | 5 | 4 | 4 | 93% |
| American Family | 4 | 4 | 4 | 4 | 89% |
| Nationwide | 4 | 3 | 4 | 3 | 85% |
| Farmers | 3 | 3 | 3 | 3 | 80% |
| Allstate | 3 | 3 | 3 | 3 | 78% |
| Travelers | 3 | 3 | 4 | 3 | 77% |
| Progressive | 3 | 3 | 4 | 4 | 75% |
| Lemonade | 3 | 4 | 5 | 4 | 82% |
| Amica | 4 | 4 | 3 | 3 | 88% |
Arizona average home insurance for a $1,000 deductible:
- Arizona average premiums for a $300K home is $1,345 (while it's $1,636 nationally).
- Arizona average premiums for a $400K home is $1,954. It's $2,179 nationally.
- Arizona average premiums for a $600K home is $2,474 (and it's $3,032 nationally).
Best Insurance in Arizona’s cities
Phoenix, Tucson, Mesa, Chandler, Gilbert, Glendale, Scottsdale, Peoria, Tempe, Surprise
Recommendations are gathered from 2,419 local Arizonians members who got a quote, filed a claim or got new home insurance in the past 12 months. We survey 4 broad areas; cost, customer experience, coverage and ease of use, plus if homeowners recommend the insurer, agent or broker:
- Coverage (0 to 5): Are you satisfied with the insurance coverage offered? Do you consider your belongings are adequately insured for various events? Are you satisfied with the available options?
- Customer Experience: Are you happy with the quality of service and communication during and after your quote? Or claim handling? A good score here reflects friendly, knowledgeable agents, prompt responses, and a transparent, supportive claims process.
- Ease of Use (0 to 5): Are the policy documents clear? Is it simple to apply for your policy? If you did, was the claim filing process (through an app or website) easy?
- Cost (0 to 5): Considering the coverage and deductible you’re (or you’ll be) paying, do you feel you’re getting good value with your insurance? Is the pricing transparent with no hidden fees? Are discounts readily available and applied?
- Recommendation (yes/no): Do you recommend this insurer, agent or broker after going through the process?
More Information for Arizona Homeowners:
How Much Home Coverage Do You Need?
Home Insurance Coverage Add-ons You May Need
Home Insurance Shopping: How to Save Money
Arizona Best Mortgage Lenders from Community Recommendations
Arizona Best Refinance Lenders from Community Recommendations
More Resources for Arizona Homeowners.
Phoenix Home Insurance Costs
Phoenix 2026 home insurance costs vary by home value and deductible. The figures below assume standard coverage levels.
A $2,000 deductible vs $500 cuts annual premiums by 18.5% for a $300K home in Phoenix. At a $500 deductible, the average annual cost is $1,707.
Compared to the Arizona average of $2,757 for a $600K home, Phoenix runs 13.9% above at $3,141 annually with a $500 deductible.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $934 | $847 | $805 | $761 | $639 |
| $200K Home | $1,397 | $1,267 | $1,204 | $1,139 | $957 |
| $300K Home | $1,707 | $1,547 | $1,470 | $1,391 | $1,168 |
| $400K Home | $2,419 | $2,194 | $2,083 | $1,972 | $1,655 |
| $600K Home | $3,141 | $2,847 | $2,705 | $2,560 | $2,149 |
Phoenix Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Phoenix’s area are State Farm, USAA, and American Family.
- State Farm (92%): Homeowners highlight responsive claims handling and competitive bundling discounts.
- USAA (93%): Members praise comprehensive coverage for military families and seamless digital tools.
- American Family (89%): Users value customizable policies and local agent accessibility.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| USAA | Insurer | 5 | 5 | 4 | 4 | 93% |
| State Farm | Agents | 4 | 4 | 5 | 5 | 92% |
| American Family | Agents | 4 | 4 | 4 | 4 | 89% |
| Nationwide | Agents | 4 | 3 | 4 | 3 | 85% |
| Farmers | Agents | 3 | 3 | 3 | 3 | 80% |
| Allstate | Agents | 3 | 3 | 3 | 3 | 78% |
| Travelers | Insurer | 3 | 3 | 4 | 3 | 77% |
| Progressive | Insurer | 3 | 3 | 4 | 4 | 75% |
| Lemonade | Insurer | 3 | 4 | 5 | 4 | 82% |
| Amica | Insurer | 4 | 4 | 3 | 3 | 88% |
See also:
Phoenix Best Refinance Lenders
Phoenix Best Home Loan Lenders
Tucson Home Insurance Costs
Compare Tucson 2026 annual premiums across different home values and deductible amounts. All costs assume standard coverage levels.
Choosing a $2,000 deductible instead of $500 can lower annual cost by 20.0% in Tucson for a $300K home. The average annual cost for a $300K home with a $500 deductible is $1,325.
Tucson's $600K home insurance cost is 11.5% lower than the Arizona average of $2,757. The average annual cost for a $600K home with a $500 deductible is $2,439 in Tucson.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $730 | $660 | $621 | $583 | $479 |
| $200K Home | $1,085 | $981 | $923 | $868 | $713 |
| $300K Home | $1,325 | $1,198 | $1,127 | $1,060 | $871 |
| $400K Home | $1,878 | $1,698 | $1,598 | $1,503 | $1,235 |
| $600K Home | $2,439 | $2,206 | $2,074 | $1,951 | $1,603 |
Tucson Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Tucson’s area are The Insurance House, State Farm, and Farmers.
- The Insurance House (91%): Members commend personalized service and monsoon-specific coverage options.
- State Farm (90%): Homeowners appreciate quick online quotes and agent support for complex claims.
- Farmers (84%): Users note competitive rates for bundled auto-home policies.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| The Insurance House | Broker | 4 | 5 | 4 | 4 | 91% |
| State Farm | Agents | 4 | 4 | 5 | 4 | 90% |
| Farmers | Agents | 3 | 4 | 3 | 4 | 84% |
| Allstate | Agents | 3 | 3 | 3 | 3 | 79% |
| Nationwide | Agents | 3 | 3 | 4 | 3 | 81% |
See also:
Mesa Home Insurance Costs
Compare Mesa 2026 annual premiums across different home values and deductible amounts. All costs assume standard coverage levels.
Choosing a $2,000 deductible instead of $500 can lower annual cost by 19.7% in Mesa for a $300K home. The average annual cost for a $300K home with a $500 deductible is $1,438.
Mesa's $600K home insurance cost is 4.4% lower than the Arizona average of $2,757. The average annual cost for a $600K home with a $500 deductible is $2,637 in Mesa.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $779 | $705 | $666 | $626 | $519 |
| $200K Home | $1,166 | $1,055 | $997 | $936 | $778 |
| $300K Home | $1,438 | $1,301 | $1,230 | $1,154 | $959 |
| $400K Home | $2,022 | $1,830 | $1,729 | $1,623 | $1,349 |
| $600K Home | $2,637 | $2,386 | $2,256 | $2,117 | $1,758 |
Mesa Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Mesa’s area are Nationwide, State Farm, and Farmers.
- Nationwide (86%): Homeowners value flexible coverage for high-value assets and responsive agents.
- State Farm (88%): Members highlight user-friendly app and consistent premium discounts.
- Farmers (82%): Users praise straightforward claims for storm damage.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| State Farm | Agents | 4 | 4 | 5 | 4 | 88% |
| Nationwide | Agents | 4 | 4 | 4 | 3 | 86% |
| Farmers | Agents | 3 | 4 | 3 | 4 | 82% |
| Allstate | Agents | 3 | 3 | 3 | 3 | 78% |
| American Family | Agents | 4 | 3 | 4 | 4 | 85% |
See also:
Chandler Home Insurance Costs
Compare Chandler 2026 annual premiums across different home values and deductible amounts. All costs assume standard coverage levels.
Choosing a $2,000 deductible instead of $500 can lower annual cost by 19.4% in Chandler for a $600K home. The average annual cost for a $600K home with a $500 deductible is $2,464.
Chandler's $800K home insurance cost is 9.6% lower than the Arizona average of $3,408. The average annual cost for a $800K home with a $500 deductible is $3,079 in Chandler.
| Deductible | ||||||
|---|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 | $10,000 |
| $100K Home | $729 | $661 | $626 | $587 | $488 | $475 |
| $200K Home | $1,093 | $991 | $938 | $881 | $732 | $713 |
| $300K Home | $1,343 | $1,217 | $1,152 | $1,082 | $900 | $875 |
| $400K Home | $1,895 | $1,719 | $1,627 | $1,528 | $1,270 | $1,235 |
| $600K Home | $2,464 | $2,234 | $2,114 | $1,985 | $1,651 | $1,605 |
| $800K Home | $3,079 | $2,792 | $2,643 | $2,481 | $2,063 | $2,007 |
| $1M Home | $3,571 | $3,238 | $3,066 | $2,878 | $2,394 | $2,328 |
Chandler Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Chandler’s area are Taylor Insurance Brokers, State Farm, and Nationwide.
- Taylor Insurance Brokers (89%): Members emphasize personalized service for unique property needs.
- State Farm (87%): Homeowners note efficient claims for water damage incidents.
- Nationwide (83%): Users appreciate umbrella policy add-ons for liability protection.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Taylor Insurance Brokers | Broker | 4 | 5 | 4 | 4 | 89% |
| State Farm | Agents | 4 | 4 | 5 | 4 | 87% |
| Nationwide | Agents | 4 | 3 | 4 | 3 | 83% |
| Farmers | Agents | 3 | 3 | 3 | 4 | 80% |
| Allstate | Agents | 3 | 3 | 3 | 3 | 77% |
See also:
Chandler Best Refinance Lenders
Chandler Best Home Loan Lenders
Gilbert Home Insurance Costs
Gilbert 2026 home insurance costs vary by home value and deductible. The figures below assume standard coverage levels.
A $2,000 deductible vs $500 cuts annual premiums by 19.2% for a $600K home in Gilbert. At a $500 deductible, the average annual cost is $2,451.
Compared to the Arizona average of $3,408 for a $800K home, Gilbert runs 10.1% below at $3,065 annually with a $500 deductible.
| Deductible | ||||||
|---|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 | $10,000 |
| $100K Home | $729 | $662 | $628 | $590 | $491 | $483 |
| $200K Home | $1,093 | $991 | $940 | $882 | $735 | $724 |
| $300K Home | $1,333 | $1,209 | $1,147 | $1,077 | $898 | $883 |
| $400K Home | $1,890 | $1,714 | $1,626 | $1,526 | $1,272 | $1,251 |
| $600K Home | $2,451 | $2,223 | $2,109 | $1,980 | $1,651 | $1,624 |
| $800K Home | $3,065 | $2,779 | $2,636 | $2,475 | $2,063 | $2,030 |
| $1M Home | $3,554 | $3,223 | $3,057 | $2,870 | $2,393 | $2,355 |
Gilbert Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Gilbert’s area are Insurance Brokers of Arizona, State Farm, and American Family.
- Insurance Brokers of Arizona (90%): Homeowners commend multi-carrier comparisons and fast claim resolutions.
- State Farm (88%): Members highlight discounts for safety devices like alarm systems.
- American Family (85%): Users value transparent pricing and no-surprise renewals.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Insurance Brokers of Arizona | Broker | 5 | 5 | 4 | 4 | 90% |
| State Farm | Agents | 4 | 4 | 5 | 4 | 88% |
| American Family | Agents | 4 | 4 | 4 | 4 | 85% |
| Nationwide | Agents | 3 | 3 | 4 | 3 | 82% |
| Farmers | Agents | 3 | 3 | 3 | 3 | 79% |
See also:
Gilbert Best Refinance Lenders
Gilbert Best Home Loan Lenders
Glendale Home Insurance Costs
See Glendale's 2026 home insurance costs by home value and deductible. All costs assume standard coverage levels.
In Glendale, switching from a $500 to a $2,000 deductible on a $300K home saves 19.1% annually. The average $300K home costs $1,495 per year with a $500 deductible.
Glendale homeowners pay 0.3% less than the Arizona average of $2,757 for a $600K home. The average annual $600K premium with a $500 deductible is $2,748.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $820 | $742 | $704 | $663 | $555 |
| $200K Home | $1,225 | $1,108 | $1,053 | $991 | $829 |
| $300K Home | $1,495 | $1,352 | $1,285 | $1,209 | $1,013 |
| $400K Home | $2,121 | $1,919 | $1,823 | $1,716 | $1,437 |
| $600K Home | $2,748 | $2,485 | $2,361 | $2,223 | $1,862 |
Glendale Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Glendale’s area are Nationwide, State Farm, and Farmers.
- Nationwide (85%): Homeowners highlight flexible coverage for high-value homes and responsive local agents.
- State Farm (87%): Members praise bundling discounts and a seamless claims process for storm damage.
- Farmers (80%): Users note competitive rates for older homes and personalized service.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| State Farm | Agents | 4 | 4 | 5 | 4 | 87% |
| Nationwide | Agents | 4 | 4 | 4 | 3 | 85% |
| Farmers | Agents | 3 | 3 | 3 | 4 | 80% |
| Allstate | Agents | 3 | 3 | 3 | 3 | 78% |
| Ideal Insurance Agency | Broker | 4 | 5 | 4 | 4 | 89% |
See also:
Glendale Best Refinance Lenders
Glendale Best Home Loan Lenders
Scottsdale Home Insurance Costs
See Scottsdale's 2026 home insurance costs by home value and deductible. All costs assume standard coverage levels.
Scottsdale homeowners pay 8.0% more than the Arizona average of $3,408 for a $800K home. The average annual $800K premium with a $500 deductible is $3,679.
| Deductible | ||||||
|---|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 | $10,000 |
| $100K Home | $815 | $737 | $697 | $655 | $543 | $488 |
| $200K Home | $1,212 | $1,096 | $1,037 | $973 | $809 | $727 |
| $300K Home | $1,466 | $1,326 | $1,254 | $1,177 | $977 | $879 |
| $400K Home | $2,694 | $2,438 | $2,304 | $2,164 | $1,798 | $1,617 |
| $800K Home | $3,679 | $3,328 | $3,146 | $2,954 | $2,453 | $2,206 |
| $1M Home | $4,043 | $3,657 | $3,458 | $3,247 | $2,696 | $2,425 |
Scottsdale Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Scottsdale’s area are Greene Insurance Group, Homeowners Insurance Group, and State Farm.
- Greene Insurance Group (91%): Members commend tailored coverage for luxury homes and 24/7 claims support.
- Homeowners Insurance Group (88%): Users value multi-carrier comparisons and transparent pricing.
- State Farm (86%): Homeowners appreciate discounts for safety devices and a user-friendly app.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Greene Insurance Group | Broker | 5 | 5 | 4 | 4 | 91% |
| Homeowners Insurance Group | Broker | 4 | 5 | 4 | 4 | 88% |
| State Farm | Agents | 4 | 4 | 5 | 4 | 86% |
| Nationwide | Agents | 4 | 3 | 4 | 3 | 82% |
| American Family | Agents | 4 | 4 | 4 | 4 | 85% |
See also:
Scottsdale Best Refinance Lenders
Scottsdale Best Home Loan Lenders
Peoria Home Insurance Costs
See Peoria's 2026 home insurance costs by home value and deductible. All costs assume standard coverage levels.
In Peoria, switching from a $500 to a $2,000 deductible on a $300K home saves 29.2% annually. The average $300K home costs $1,611 per year with a $500 deductible.
Peoria homeowners pay 6.8% more than the Arizona average of $2,757 for a $600K home. The average annual $600K premium with a $500 deductible is $2,946.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $882 | $735 | $662 | $625 | $514 |
| $200K Home | $1,322 | $1,102 | $991 | $936 | $771 |
| $300K Home | $1,611 | $1,343 | $1,208 | $1,141 | $939 |
| $400K Home | $2,286 | $1,904 | $1,714 | $1,618 | $1,332 |
| $600K Home | $2,946 | $2,454 | $2,208 | $2,086 | $1,717 |
Peoria Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Peoria’s area are The Guardian Insurance Group, Integra Insurance Group, and State Farm.
- The Guardian Insurance Group (90%): Homeowners praise asset protection advice and fast claim resolutions.
- Integra Insurance Group (87%): Members highlight multi-state coverage options and veteran discounts.
- State Farm (85%): Users value consistent premiums and agent availability.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| The Guardian Insurance Group | Broker | 5 | 5 | 4 | 4 | 90% |
| Integra Insurance Group | Broker | 4 | 5 | 4 | 4 | 87% |
| State Farm | Agents | 4 | 4 | 5 | 4 | 85% |
| Farmers | Agents | 3 | 3 | 3 | 3 | 79% |
| Nationwide | Agents | 3 | 3 | 4 | 3 | 81% |
See also:
Tempe Home Insurance Costs
Tempe 2026 home insurance costs vary by home value and deductible. The figures below assume standard coverage levels.
A $2,000 deductible vs $500 cuts annual premiums by 18.5% for a $600K home in Tempe. At a $500 deductible, the average annual cost is $3,046.
Compared to the Arizona average of $3,408 for a $800K home, Tempe runs 11.7% above at $3,807 annually with a $500 deductible.
| Deductible | ||||||
|---|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 | $10,000 |
| $100K Home | $913 | $827 | $786 | $745 | $625 | $485 |
| $200K Home | $1,359 | $1,232 | $1,170 | $1,108 | $929 | $722 |
| $300K Home | $1,656 | $1,501 | $1,425 | $1,350 | $1,133 | $880 |
| $400K Home | $2,348 | $2,128 | $2,021 | $1,913 | $1,606 | $1,248 |
| $600K Home | $3,046 | $2,761 | $2,622 | $2,483 | $2,083 | $1,619 |
| $800K Home | $3,807 | $3,451 | $3,278 | $3,104 | $2,604 | $2,024 |
| $1M Home | $4,417 | $4,004 | $3,802 | $3,600 | $3,021 | $2,348 |
Tempe Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Tempe’s area are State Farm, American Family, and Farmers.
- State Farm (88%): Members highlight competitive rates for student-occupied homes near ASU.
- American Family (85%): Users appreciate add-ons for tech equipment and renters.
- Farmers (82%): Homeowners note straightforward claims for apartment complexes.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| State Farm | Agents | 4 | 4 | 5 | 4 | 88% |
| American Family | Agents | 4 | 4 | 4 | 4 | 85% |
| Farmers | Agents | 3 | 3 | 3 | 4 | 82% |
| Allstate | Agents | 3 | 3 | 3 | 3 | 77% |
| Nationwide | Agents | 3 | 3 | 4 | 3 | 80% |
See also:
Surprise Home Insurance Costs
Compare Surprise 2026 annual premiums across different home values and deductible amounts. All costs assume standard coverage levels.
Choosing a $2,000 deductible instead of $500 can lower annual cost by 18.5% in Surprise for a $300K home. The average annual cost for a $300K home with a $500 deductible is $1,604.
Surprise's $600K home insurance cost is 6.8% higher than the Arizona average of $2,757. The average annual cost for a $600K home with a $500 deductible is $2,945 in Surprise.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $876 | $794 | $754 | $714 | $599 |
| $200K Home | $1,310 | $1,188 | $1,128 | $1,068 | $897 |
| $300K Home | $1,604 | $1,454 | $1,382 | $1,307 | $1,097 |
| $400K Home | $2,275 | $2,062 | $1,960 | $1,854 | $1,557 |
| $600K Home | $2,945 | $2,669 | $2,536 | $2,400 | $2,015 |
Surprise Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Surprise’s area are Greene Insurance Group, Integra Insurance Group, and State Farm.
- Greene Insurance Group (89%): Homeowners commend bundling discounts for retirees and RV coverage.
- Integra Insurance Group (86%): Members highlight tailored policies for new constructions.
- State Farm (84%): Users value local agent support for seasonal residents.
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Greene Insurance Group | Broker | 4 | 5 | 4 | 4 | 89% |
| Integra Insurance Group | Broker | 4 | 5 | 4 | 4 | 86% |
| State Farm | Agents | 4 | 4 | 5 | 4 | 84% |
| Farmers | Agents | 3 | 3 | 3 | 3 | 78% |
| Nationwide | Agents | 3 | 3 | 4 | 3 | 79% |