Best Arizona Homeowners Insurance for 2026
The best and cheapest home insurance company in Arizona is State Farm
Advertising Disclosures
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- Low rates and coverage options make State Farm the best homeowners insurance company in Arizona.
- The average annual cost of homeowners insurance in Arizona is $2,455, slightly lower than the national average.
- Homeowners insurance rates have skyrocketed in Arizona in recent years, in part due to wildfire risk and the rising cost of rebuilding.
Best homeowner insurance in Arizona
The best homeowners insurance in Arizona comes from State Farm. It offers most of what shoppers look for in a carrier, including low rates and a good variety of coverage options.
If customer service is your priority, American Family may be for you. It has fewer complaints with the National Association of Insurance Commissioners (NAIC)
With Farmers, its many discount opportunities could help you save, even if its rates are slightly higher.
Best overall homeowners insurance in Arizona: State Farm
Average annual rate: $1,173
Why we chose it: State Farm’s home insurance premiums are 52% lower than the state average. Its average car insurance rates are also among the lowest in the state, helping you save more when you bundle.
Who it’s best for: State Farm is best for most homeowners, especially those looking for the lowest premiums or who want to bundle home and auto insurance.
PROS
- Lowest home insurance rates in Arizona
- Lots of coverage options
- Comes with free fire detection app (called Ting)
CONS
- More NAIC complaints than average
- Not as many discounts as some
Best for customer service: American Family
Average annual rate: $2,648
Why we chose it: American Family has the lowest NAIC complaint index score of all the companies we analyzed. With NAIC scores, lower is better, meaning the company receives fewer complaints than average.
American Family also automatically includes a Wildfire Defense Systems (WDS) endorsement on all home insurance policies in Arizona. With WDS, fire prevention contractors may come to your home to clear debris before a wildfire starts, or to apply fire retardants and temporary sprinklers if a wildfire is near.
Who it’s best for: American Family is best for homeowners who value customer service over price, and for those concerned with wildfires.
PROS
- Excellent NAIC complaint score
- Comes with wildfire-related benefits
- Solid discount opportunities
CONS
- Higher-than-average premiums
- Other than WDS, add-ons are limited
Best for discounts: Farmers
Average annual rate: $2,661
Why we chose it: In Arizona, Farmers’ average home insurance premiums are a bit expensive. However, it offers more ways to save than most companies, and some discounts (like ePolicy) are easier to get. Pursuing Farmers for its discounts could also be worth it to take advantage of its more unique add-ons like declining deductibles
Who it’s best for: Farmers is best for homeowners who qualify for multiple discounts and want access to valuable coverage add-ons.
PROS
- Long list of discounts
- Unique coverage add-ons
- Fewer NAIC complaints than average
CONS
- State Farm and American Family have cheaper rates
Compare home insurance rates and ratings in Arizona
In Arizona, rates can vary significantly between insurers. Comparing homeowners insurance companies can help you find better pricing and coverage.
| Company | Annual rate* | LendingTree rating | Complaint rating* | |
|---|---|---|---|---|
| State Farm | $1,173 | 4/5 | 1.4 |
 | Progressive | $1,914 | 3.5/5 | 1.8 |
| American Family | $2,648 | 4/5 | 0.4 |
| Farmers | $2,661 | 3.5/5 | 0.7 |
 | Allstate | $2,951 | 4/5 | 1.2 |
 | Auto-Owners | $3,032 | 4/5 | 0.5 |
 | Farm Bureau | $3,478 | 3.5/5 | 0.6 |
 | USAA* | $1,780 | 4/5 | 0.5 |
LendingTree analyzed home insurance quotes from every Arizona ZIP code to identify the best options for you.
Our team evaluated pricing, customer experience, financial reliability and coverage features to determine the top home insurance companies in your state.
See our full methodology.
How much is homeowners insurance in Arizona?
The average cost of home insurance in Arizona is $2,455 per year, or $205 a month.
Nationally, homeowners insurance is about $2,628 a year, making Arizona premiums about 7% lower than the U.S. average.
However, the balance may soon tip. Homeowners insurance premiums in Arizona increased by 71% from 2020 to 2025, according to LendingTree research. For comparison, national average premiums went up by about 47% during that same period. Why? Rising rebuilding costs and wildfires are the main drivers.
Average home insurance rates by dwelling coverage amount
The type of homeowners insurance coverage and the limits you carry affect your premiums. Dwelling coverage (also called Coverage A) pays to repair or rebuild your home after a covered claim.
Your dwelling limit should be enough to cover rebuilding your home in today’s market, not how much you paid for your home originally. Insurance companies will help you figure out how much dwelling coverage makes sense while you’re getting quotes.
Home insurance rates by dwelling coverage
| Company | $300,000 | $400,000 | $550,000 | $750,000 |
|---|---|---|---|---|
| State Farm | $1,007 | $1,173 | $1,395 | $1,664 |
| American Family | $2,207 | $2,648 | $3,271 | $3,913 |
| Farmers | $2,031 | $2,661 | $3,775 | $4,964 |
| State average | $2,022 | $2,455 | $3,100 | $3,922 |
Arizona home insurance rates by city
How much home insurance costs also depends on where you live within Arizona.
San Luis has the cheapest premiums in the state, at $1,917 a year. Somerton is a close second, averaging $1,934. Both cities are located in the Sonoran Desert, where wildfire risk is relatively lower.
On the other end, Arizonans in Elgin pay the highest average rates for homeowners insurance, followed by Munds Park. Residents there pay $3,330 and $3,320 a year, respectively. Both cities are at high risk for wildfire, with Munds Park nestled inside the Coconino National Forest and wine-country Elgin surrounded by vast expanses of grassland.
| City | Average rate |
|---|---|
| Aguila | $2,071 |
| Ajo | $2,200 |
| Ak-Chin Village | $2,369 |
| Alpine | $2,669 |
| Amado | $2,296 |
| Anthem | $2,236 |
| Apache Junction | $2,408 |
| Arizona City | $2,498 |
| Arizona Village | $2,281 |
| Arlington | $2,321 |
| Avenue B and C | $1,984 |
| Avondale | $2,288 |
| Avra Valley | $2,265 |
| Bagdad | $2,386 |
| Bapchule | $2,388 |
| Bellemont | $2,380 |
| Benson | $2,317 |
| Bisbee | $2,491 |
| Black Canyon City | $2,379 |
| Blackwater | $2,475 |
| Blue | $2,946 |
| Blue Gap | $2,467 |
| Bluewater | $2,151 |
| Bouse | $2,091 |
| Buckeye | $2,185 |
| Bullhead City | $2,098 |
| Bylas | $2,357 |
| Cactus Flats | $2,267 |
| Cameron | $2,552 |
| Camp Verde | $2,281 |
| Carefree | $2,385 |
| Casa Grande | $2,427 |
| Casas Adobes | $2,253 |
| Cashion | $2,231 |
| Catalina | $2,330 |
| Catalina Foothills | $2,254 |
| Cave Creek | $2,414 |
| Central | $2,278 |
| Central Heights-Midland City | $2,643 |
| Chambers | $2,463 |
| Chandler | $2,260 |
| Chandler Heights | $2,264 |
| Chinle | $2,479 |
| Chino Valley | $2,173 |
| Chloride | $2,113 |
| Cibecue | $2,612 |
| Cibola | $2,030 |
| Cienega Springs | $2,108 |
| Citrus Park | $2,167 |
| Clarkdale | $2,167 |
| Clay Springs | $2,825 |
| Claypool | $2,585 |
| Clifton | $2,268 |
| Cochise | $2,397 |
| Colorado City | $2,163 |
| Concho | $2,618 |
| Congress | $2,201 |
| Coolidge | $2,489 |
| Cordes Lakes | $2,399 |
| Cornville | $2,230 |
| Corona De Tucson | $2,243 |
| Cortaro | $2,227 |
| Cottonwood | $2,180 |
| Crown King | $2,531 |
| Dateland | $2,297 |
| Desert Hills | $2,143 |
| Dewey | $2,284 |
| Dilkon | $2,222 |
| Dolan Springs | $2,116 |
| Doney Park | $2,295 |
| Donovan Estates | $1,968 |
| Douglas | $2,304 |
| Dragoon | $2,357 |
| Drexel Heights | $2,172 |
| Dudleyville | $2,624 |
| Duncan | $2,355 |
| Eagar | $2,771 |
| Eden | $2,261 |
| Ehrenberg | $2,067 |
| El Mirage | $2,195 |
| Elfrida | $2,340 |
| Elgin | $3,330 |
| Eloy | $2,519 |
| Flagstaff | $2,409 |
| Florence | $2,484 |
| Flowing Wells | $2,254 |
| Forest Lakes | $2,727 |
| Fort Apache | $2,298 |
| Fort Defiance | $2,517 |
| Fort Huachuca | $2,387 |
| Fort Mcdowell | $2,487 |
| Fort Mohave | $2,165 |
| Fort Thomas | $2,300 |
| Fort Valley | $2,551 |
| Fortuna Foothills | $2,001 |
| Fountain Hills | $2,470 |
| Fredonia | $2,123 |
| Gadsden | $1,977 |
| Ganado | $2,466 |
| Gila Bend | $2,245 |
| Gilbert | $2,251 |
| Glendale | $2,388 |
| Globe | $2,631 |
| Gold Canyon | $2,493 |
| Golden Valley | $2,195 |
| Goodyear | $2,126 |
| Grand Canyon | $2,137 |
| Gray Mountain | $3,090 |
| Greasewood | $2,414 |
| Green Valley | $2,237 |
| Greer | $2,685 |
| Guadalupe | $2,425 |
| Hackberry | $2,112 |
| Happy Jack | $2,595 |
| Hayden | $2,483 |
| Heber | $2,420 |
| Hereford | $2,743 |
| Higley | $2,205 |
| Holbrook | $2,238 |
| Hotevilla | $2,202 |
| Houck | $2,490 |
| Huachuca City | $2,431 |
| Hualapai | $2,120 |
| Humboldt | $2,272 |
| Hunter Creek | $2,507 |
| Icehouse Canyon | $2,710 |
| Jerome | $2,349 |
| Joseph City | $2,241 |
| Kachina Village | $2,557 |
| Kaibeto | $2,174 |
| Kaka | $2,333 |
| Kayenta | $2,165 |
| Keams Canyon | $2,222 |
| Kearny | $2,583 |
| Kingman | $2,129 |
| Kirkland | $2,432 |
| Kykotsmovi Village | $2,159 |
| Lake Havasu City | $2,108 |
| Lake Montezuma | $2,309 |
| Lakeside | $2,680 |
| Laveen | $2,674 |
| Leupp | $2,310 |
| Linden | $2,650 |
| Litchfield Park | $2,149 |
| Littlefield | $2,104 |
| Low Mountain | $2,245 |
| Lower Santan Village | $2,278 |
| Lukachukai | $2,483 |
| Luke AFB | $2,172 |
| Lukeville | $2,214 |
| Lupton | $2,530 |
| Mammoth | $2,356 |
| Many Farms | $2,493 |
| Marana | $2,267 |
| Marble Canyon | $2,172 |
| Maricopa | $2,438 |
| Mayer | $2,407 |
| Mc Neal | $2,429 |
| McNary | $2,778 |
| Meadview | $2,121 |
| Mesa | $2,394 |
| Mescal | $2,309 |
| Miami | $2,585 |
| Moenkopi | $2,321 |
| Mohave Valley | $2,285 |
| Morenci | $2,223 |
| Mormon Lake | $2,467 |
| Morristown | $2,148 |
| Mount Lemmon | $2,613 |
| Mountainaire | $2,547 |
| Munds Park | $3,320 |
| Naco | $2,583 |
| Nazlini | $2,552 |
| New Kingman-Butler | $2,055 |
| New River | $2,273 |
| Nogales | $2,300 |
| North Rim | $2,196 |
| Nutrioso | $2,692 |
| Oatman | $2,140 |
| Oracle | $2,352 |
| Oro Valley | $2,344 |
| Overgaard | $2,381 |
| Page | $2,119 |
| Palo Verde | $2,209 |
| Paradise Valley | $2,449 |
| Parker | $2,142 |
| Parker Strip | $2,122 |
| Parks | $3,117 |
| Patagonia | $2,266 |
| Paulden | $2,162 |
| Payson | $2,411 |
| Peach Springs | $2,221 |
| Pearce | $2,358 |
| Peoria | $2,242 |
| Peridot | $2,894 |
| Petrified Forest National Park | $2,538 |
| Phoenix | $2,700 |
| Picacho | $2,364 |
| Picture Rocks | $2,267 |
| Pima | $2,258 |
| Pine | $2,630 |
| Pinedale | $2,384 |
| Pinetop | $2,729 |
| Pirtleville | $2,319 |
| Polacca | $2,181 |
| Pomerene | $2,300 |
| Portal | $2,337 |
| Poston | $2,153 |
| Prescott | $2,324 |
| Prescott Valley | $2,156 |
| Quartzsite | $2,071 |
| Queen Creek | $2,245 |
| Rainbow City | $2,788 |
| Red Rock | $2,385 |
| Red Valley | $2,564 |
| Rillito | $2,248 |
| Rimrock | $2,281 |
| Rincon Valley | $2,242 |
| Rio Rico | $2,219 |
| Rio Verde | $2,617 |
| Rock Point | $2,551 |
| Roll | $2,189 |
| Roosevelt | $2,597 |
| Round Rock | $2,558 |
| Sacaton | $2,472 |
| Saddlebrooke | $2,398 |
| Safford | $2,245 |
| Sahuarita | $2,187 |
| Salome | $2,100 |
| San Carlos | $2,415 |
| San Luis | $1,917 |
| San Manuel | $2,381 |
| San Simon | $2,337 |
| San Tan Valley | $2,250 |
| Sanders | $2,490 |
| Sasabe | $2,256 |
| Sawmill | $2,532 |
| Scottsdale | $2,465 |
| Second Mesa | $2,186 |
| Sedona | $2,358 |
| Seligman | $2,259 |
| Sells | $2,300 |
| Shonto | $2,178 |
| Show Low | $2,643 |
| Sierra Vista | $2,343 |
| Sierra Vista Southeast | $2,363 |
| Skull Valley | $2,371 |
| Snowflake | $2,274 |
| Solomon | $2,303 |
| Somerton | $1,934 |
| Sonoita | $2,419 |
| South Tucson | $2,203 |
| Springerville | $2,970 |
| St. David | $2,457 |
| St. Johns | $2,599 |
| St. Michaels | $2,491 |
| Stanfield | $2,406 |
| Strawberry | $2,628 |
| Summit | $2,186 |
| Sun City | $2,255 |
| Sun City West | $2,179 |
| Sun Lakes | $2,263 |
| Sun Valley | $2,219 |
| Supai | $2,266 |
| Superior | $2,693 |
| Surprise | $2,112 |
| Swift Trail Junction | $2,284 |
| Tacna | $2,079 |
| Tanque Verde | $2,437 |
| Taylor | $2,300 |
| Teec Nos Pos | $2,507 |
| Tempe | $2,467 |
| Temple Bar Marina | $2,115 |
| Thatcher | $2,232 |
| Tolleson | $2,274 |
| Tombstone | $2,364 |
| Tonalea | $2,167 |
| Tonopah | $2,249 |
| Tonto Basin | $2,409 |
| Topawa | $2,352 |
| Topock | $2,399 |
| Tortilla Flat | $2,586 |
| Tsaile | $2,464 |
| Tuba City | $2,313 |
| Tubac | $2,324 |
| Tucson | $2,257 |
| Tucson Estates | $2,221 |
| Tumacacori | $2,275 |
| Turkey Creek | $2,736 |
| Vail | $2,245 |
| Valencia West | $2,182 |
| Valentine | $2,356 |
| Valle Vista | $2,142 |
| Valley Farms | $2,623 |
| Verde Village | $2,182 |
| Vernon | $2,627 |
| Vicksburg | $2,111 |
| Waddell | $2,140 |
| Wall Lane | $2,020 |
| Wellton | $2,013 |
| Wenden | $2,031 |
| Whetstone | $2,439 |
| White Hills | $2,155 |
| White Mountain Lake | $2,649 |
| Whitecone | $2,258 |
| Whiteriver | $2,790 |
| Wickenburg | $2,098 |
| Wikieup | $2,084 |
| Willcox | $2,976 |
| Williams | $2,606 |
| Williamson | $2,302 |
| Willow Beach | $2,155 |
| Willow Valley | $2,277 |
| Window Rock | $2,553 |
| Winslow | $2,198 |
| Winslow West | $2,229 |
| Wittmann | $2,083 |
| Woodruff | $2,626 |
| Yarnell | $2,271 |
| Young | $2,422 |
| Youngtown | $2,259 |
| Yucca | $2,462 |
| Yuma | $1,983 |
Current state of homeowners insurance in Arizona
Not only are average rates increasing in Arizona, but nonrenewals are also common. An analysis by the University of Arizona Cooperative Extension shows that homes in the following counties had the highest rates of nonrenewals from 2021 to 2023:
- Apache
- Navajo
- Coconino
- Greenlee
- Gila
Insurers can decline to renew policies for many reasons, but wildfires are likely a major factor in these counties. They include some of Arizona’s highest-risk wildfire areas and locations where homes are more concentrated. That means insurers face the potential for larger losses when fires occur.
Note that a LendingTree study also ranked Arizona fourth in the nation when it comes to wildfire risk.
Shop around if you’re losing coverage
Requesting quotes from top-rated home insurance companies should be your first step if you can’t afford your premiums or your policy is not being renewed. An independent insurance agent can also help you find companies that are still writing policies in your area.
Every insurance company has a different method of calculating rates and risk. Just because your current insurance company won’t renew your policy doesn’t mean you won’t find coverage elsewhere.
How to compare homeowners insurance in Arizona
When comparing options, don’t just look at rates, but also consider:
- Coverage limits: Personal property coverage (Coverage C) may pay to repair or replace damaged personal items, such as furniture and clothing, after a covered loss. Request high enough limits based on the value of your possessions, and be sure those limits are the same across quotes.
- Deductibles: If a company’s premium seems especially low, check deductibles. A higher deductible can lower your premium, but it increases your out-of-pocket expenses if you need to file a claim. Some carriers may have separate deductibles for wildfire damage.
- Exclusions: Homeowners insurance typically covers wildfire damage, but some companies exclude this peril in high-risk areas. Read the fine print and understand how the policy works before signing on.
- Add-ons: Be certain that all of the coverage you need is included across quotes. Not all add-on coverages are available with all companies.
And if you own one or more vehicles, consider bundling your home and auto insurance. Many insurance companies offer big discounts for this.
How LendingTree helps you find the right policy
Shopping for home insurance isn’t always straightforward, especially when availability and pricing can vary widely. LendingTree makes it easier by helping you explore options from multiple insurers so you can find coverage that fits your home, location and budget.
How it works
Tell us about your home
Answer a few quick questions about your home, location and coverage needs.
Compare options from insurers
See quotes and typical rates from insurers that offer coverage in your area.
Choose the right policy
Review your options and pick the coverage that fits your needs and budget.
Frequently asked questions
Homeowners insurance is not legally required in Arizona. However, mortgage lenders typically require it. If you’re still making payments on your house, you likely need to maintain coverage.
In many states, the FAIR (or Fair Access to Insurance Requirements) Plan is the “insurer of last resort” for high-risk homeowners. However, Arizona does not have a FAIR Plan.
Since Arizona doesn’t have a FAIR Plan, homeowners have to try the high-risk homeowners insurance market.
No, standard homeowners insurance does not cover flood damage. Some companies offer a flood insurance add-on, but most of the time, you need a separate flood insurance policy if you want flood coverage.
Methodology
How we chose the best homeowners insurance in Arizona
The rates shown in this article are based on an analysis of non-binding quotes obtained in February 2026 from Quadrant Information Services for sample homes in every Arizona ZIP code. Unless otherwise noted, policies include:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Loss of use: $80,000
- Personal liability: $100,000
- Guest medical payments: $5,000
- Deductible: $1,000
How we create LendingTree ratings
Our team of insurance experts evaluates insurance companies across several categories, including average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We use this information to create LendingTree ratings, which help us identify and recommend the best insurance companies for consumers.
For third-party customer service ratings, we included NAIC’s Complaint Index scores and financial strength ratings from A.M. Best. NAIC Complaint Index scores show how well companies treat customers over things like claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.
See our home insurance ratings methodology and full editorial guidelines for further details.
*USAA is only available to current and former members of the military and their families.