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The Best Home Insurance Companies in Arizona

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    Reviews Report

    • Auto-Owners is the best home insurance company in Arizona, earning a 4.8 out of 5 Reviews.com score.
    • The average cost of Arizona home insurance is $1,539 according to data.
    • Homeowners insurance in AZ is slightly cheaper than the national average of $1,618.

    It’s important for residents of the Grand Canyon State to look for the best homeowners insurance in Arizona. The state has changeable weather patterns that can cause damage to homes with floods, storms, and more that are common throughout the state.

    To find the best Arizona home insurance, we looked at market share, cost, financial stability, coverage options, and customer service. We came up with a list of six that excel in all areas: Auto-Owners, USAA, Allstate, American Family, Travelers, and State Farm. 

    Reviews.com used Quadrant data to map the average home insurance premium, and a unique in-house methodology to compare discounts, coverage, and third-party evaluations to rank and review the best home insurance in Arizona. Compare quotes from carriers that provide home insurance in Arizona to make sure you get the best homeowners insurance rates available.

    The 6 Best Home Insurance Companies in Arizona

    • Auto-Owners: Best Arizona Home Insurance for Customer Service
    • USAA: Best Arizona Home Insurance for Military Families
    • Allstate: Best Arizona Home Insurance for Perks
    • American Family: Best Arizona Home Insurance for Discounts
    • Travelers: Best Arizona Home Insurance for Customization
    • State Farm: Best Arizona Home Insurance for Policy Management

    Compare the Best Home Insurance Companies in Arizona

    Average Premiums* Reviews.com Score Score is based on company’s customer experience, financial stability, and coverage options. AM Best AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. J.D. Power Customer Satisfaction** J.D. Power scores are based on surveys for customer satisfaction and product quality.
    Pin Auto-Owners$1,110.294.8A++843
    Pin USAA$2,615.113.8A++889
    Pin Allstate$2,672.803.8A+829
    Pin American Family$2,093.823.6A821
    Pin Travelers$1,773.463.2A++829
    Pin State Farm$2,372.862.8A++829

    Information accurate as of July 2021

    * Data provided by Coverage.com

    **J.D. Power 2020 Home Insurance Satisfaction Study. Based on a 1,000-point scale.

    Auto-Owners

    Best for Customer Service: Auto-Owners

    Why we chose it

    Featuring low premium costs and plenty of discounts, Auto-Owners excels at customer service and breadth of coverage options.
    • 4.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $1,110.29* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 843** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Featuring low premium costs and plenty of discounts, Auto-Owners excels at customer service and breadth of coverage options.

    Pros

    • Nearly a dozen possible discounts
    • Guaranteed home replacement cost coverage
    • Low customer complaint and high customer satisfaction rating

    Cons

    • No online or mobile claims capabilities
    • No online quotes available
    Read More

    Add-on Coverage

    • Identity theft
    • Sewer or drain backup
    • Ordinance or law coverage
    • Extended personal property
    • Equipment breakdown
    • Guaranteed home replacement

    Available Discounts

    • Multi-policy
    • Pay in full
    • Paperless billing
    • Mortgage-free
    • Protective devices
    • Automatic backup generator
    • Advance quote
    • Water shut-off system
    • Favorable loss history
    • Pay on time

    More Auto-Owners Insurance Reviews

    USAA

    Best for Military Families: USAA

    Why we chose it

    USAA offers a high level of customer service along with solid coverage at a competitive price compared to other home insurance companies in Arizona — but only for military families.
    • 3.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $2,615.11* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 889** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    USAA offers a high level of customer service along with solid coverage at a competitive price compared to other home insurance companies in Arizona — but only for military families.

    Pros

    • Strong financial and customer satisfaction rankings
    • Low NAIC customer complaint index
    • Mobile claim filing and tracking

    Cons

    • Limited available discounts
    • Limited additional coverage options
    • Only available to military members
    Read More

    Add-on Coverage

    • Home sharing
    • Earthquake
    • Identity theft

    Available Discounts

    • Multi-policy
    • Claims-free
    • Home security system

    More USAA Insurance Reviews

    Allstate

    Best for Perks: Allstate

    Why we chose it

    Allstate offers a higher-than-usual number of discounts, and additional perks such as Claim RateGuard, which keeps your rate stable if you make a claim.
    • 3.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $2,672.80* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 829** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Allstate offers a higher-than-usual number of discounts, and additional perks such as Claim RateGuard, which keeps your rate stable if you make a claim.

    Pros

    • More-than-average additional coverage options
    • Claims-free rewards
    • Digital home inventory app available

    Cons

    • High customer complaint ratings
    • Average customer satisfaction ratings
    Read More

    Add-on Coverage

    • ID theft
    • Eco-friendly improvements
    • Sports/musical equipment
    • Yard and garden
    • Water backup

    Available Discounts

    • Auto-pay
    • Homebuyer
    • 10% welcome discount
    • Early signing
    • Multi-policy
    • Responsible payer
    • Claims-free
    • Easy payment plan
    • Protective devices

    More Allstate Insurance Reviews

    American Family

    Best for Discounts: American Family

    Why we chose it

    A generous handful of discounts allow policyholders to save money, while a user-friendly website allows you to find the right coverage for you with home insurance in Arizona comparisons.
    • 3.6 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $2,093.82* Average Premium Pricing data comes from our partners at Coverage.com.
    • A AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 821 J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    A generous handful of discounts allow policyholders to save money, while a user-friendly website allows you to find the right coverage for you with home insurance in Arizona comparisons.

    Pros

    • Personalized coverage available
    • Plenty of discounts
    • Digital tools and resource available

    Cons

    • Lower financial stability than competitors
    • Rates for Arizona home insurance higher than competitors
    Read More

    Add-on Coverage

    • Equipment breakdown
    • Matching siding protection
    • Sump pump and water backup
    • Credit theft

    Available Discounts

    • Multi-policy
    • Smart home devices
    • New home
    • Renovated home
    • Auto
    • Full pay
    • Paperless payment
    • Loyalty
    • Generational discount

    More American Family Insurance Reviews

    Travelers

    Best for Customization: Travelers

    Why we chose it

    For homeowners who want their homeowners insurance in Arizona to reflect their specific circumstances, Travelers is a good option. Its add-on riders allow homeowners to customize their policy to meet their needs.
    • 3.2 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $1,773.46* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 803** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    For homeowners who want their homeowners insurance in Arizona to reflect their specific circumstances, Travelers is a good option. Its add-on riders allow homeowners to customize their policy to meet their needs.

    Pros

    • Eco-friendly coverage
    • Accurate online quote tool
    • Generous discounts

    Cons

    • Can’t purchase policy online
    • Lower customer satisfaction than competitors
    Read More

    Add-on Coverage

    • Special personal property
    • Jewelry and valuable items
    • Identity fraud
    • Contents replacement cost
    • Personal articles floater
    • Green home coverage
    • Additional replacement cost protection
    • Water backup and sump pump discharge

    Available Discounts

    • Multi-policy
    • Home buyer
    • Loss-free
    • Protective devices
    • Green home discount

    More Travelers Insurance Reviews

    State Farm

    Best for Policy Management: State Farm

    Why we chose it

    State Farm’s best-in-its-class website features an informative blog for those new to Arizona home insurance, and gives policyholders the ability to easily manage their account online, including filing and managing claims.
    • 2.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $2,372.86* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 829** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    State Farm’s best-in-its-class website features an informative blog for those new to Arizona home insurance, and gives policyholders the ability to easily manage their account online, including filing and managing claims.

    Pros

    • User-friendly website
    • Informational blog
    • Strong financial stability ratings
    • Good customer service ratings

    Cons

    • Limited discounts advertised
    • More expensive premiums than competitors
    Read More

    Add-on Coverage

    • Water seepage
    • Mold
    • Earthquake
    • Personal property
    • Flood
    • Replacement cost

    Available Discounts

    • Multi-policy
    • Home security device
    • Impact-resistant roofing

    More State Farm Insurance Reviews

    * Data provided by Coverage.com

    **J.D. Power’s 2020 U.S. Home Insurance Study. Based on a 1,000-point scale.

    Average Cost of Homeowners Insurance in Arizona

    The average cost of homeowners insurance in Arizona in 2018 was $843, making it one of the cheaper states in the U.S. for home insurance. The national average during the same time was $1,249. Other states in the area are equally or almost as low. In Nevada, for example, it is $776 while Utah is $730. New Mexico, at $1,075, and California at $1,073, are somewhat higher.

    However, each Arizona homeowners’ insurance rate will vary depending on the location and age of the home, as well as its condition and the value of the belongings inside. Discounts, such as bundling homeowners insurance with auto, will also affect premium price. Adding on additional coverages, called riders or endorsements, will give greater coverage, but at a cost. 

    Although the state’s weather may include both extremely hot and cold weather, the state is not prone to earthquakes, hurricanes, or other natural disasters, which can lead home insurance companies in Arizona to increase premium costs. Flooding may occur in some locations after heavy rainfall, but floods are not covered by most popular HO-3 policies.

    The Cheapest Homeowners Insurance Companies in Arizona

    Homeowner  Insurance CompaniesAverage Annual Premium
    Progressive$447
    Nationwide$578
    CSAA Fire and Cas Ins Co$607
    USAA$679
    American Family Insurance$720
    Farm Bureau Prop & Cas Ins Co$748
    State Farm$911
    Auto-Owners Insurance$913
    Encompass$985
    Allstate$1,133
    Armed Forces Ins Exch$1,143
    Farmers$1,187
    Metropolitan Insurance$1,207
    Chubb$1,399
    Travelers$1,522
    Country Financial$2,019
    Average Across Credit Rating Tiers $1,012

    Cost of Homeowners Insurance by Age of Home

    Age of Home TierAverage Annual Premium
    0-10$1,002
    10-25$1,397
    25-50$1,421
    50+$1,398
    Average Age of Tier$1,305

    Top 3 Cheapest Homeowners Insurance Companies in Arizona

    • Progressive – $447
    • Nationwide – $578
    • CSAA Fire and Casualty Insurance Company – $607

    Top 3 Most Expensive Homeowners Insurance Companies in Arizona

    • COUNTRY Financial – $2,019
    • Travelers – $1,522
    • Chubb – $1,399

    The cheapest homeowners insurance companies in Arizona are Progressive, Nationwide, and CSAA Fire and Casualty Insurance Company. The most expensive homeowners insurance companies are COUNTRY Financial, Travelers, and Chubb. 

    These average annual premiums are based on general profiles. To find the best value for the coverage you need, contact each company that you’re interested in and request a personalized quote that fits your circumstances.

    Common Home Insurance Perils in Arizona 

    As noted, Arizona is not prone to widespread natural disasters such as hurricanes, making it an inexpensive state for homeowners insurance. Arizona is prone to flooding, however, especially in the vicinity of the state’s largest rivers: the Colorado, Salt, Gila, and Verde Rivers. Flash floods are not unknown in the state and may be worse in desert-like areas since the ground is unable to absorb water quickly.

    Often accompanied by flash floods, Arizona residents may also face landslides and debris flows, depending on where they are located. Less common but still possible are earthquakes, and Arizona is also home to three active volcanic fields that, while stable, do contain a small risk of home damage. 

    Add-on home insurance coverage in Arizona 

    Arizona homeowners who are in a flood zone should consider purchasing optional flood insurance. This is sold most often through the government, as part of the National Flood Insurance Program. Most insurers, including our top choices for homeowners insurance in Arizona, offer this coverage and manage the flood insurance policy along with regular homeowners insurance.

    To determine what coverages a policyholder already has, check the policy’s declaration page. This will outline what the policy covers currently, allowing the policyholder to decide if they need additional add-ons to be adequately covered in a disaster. 

    Here are a few state-sponsored resources to help in dealing with disasters in Arizona:

    Arizona Home Insurance FAQ 

    Methodology

    We evaluated Arizona home insurance companies based on availability, customer satisfaction, financial stability, and coverage to determine Reviews.com score and create our best home insurance reviews. To compare home insurance companies with other providers across the board, we calculate each Reviews.com score based on the following:

    • Coverage: The more options a home insurance company has for insurance add-ons and coverages, the higher it scores in our methodology.
    • Customer Experience: We reviewed the National Association of Insurance Commissioners’ National Complaint Index and compared each homeowners insurance company’s complaint rating.
    • Customer Satisfaction: With J.D. Power’s 2020 Home Insurance Satisfaction Study, we assigned a score to each company based on the rating it received.
    • Financial Stability: Reviews.com utilized AM Best ratings to assign a score based on each home insurance company’s financial stability.
    • Discounts: We reviewed and compared the number of discounts advertised on each home insurance company’s website. The more available discounts, the higher the score in this metric.

    About the Authors

    Mary Van Keuren

    Mary Van Keuren Contributor

    Mary Van Keuren has been covering auto and home insurance for Reviews.com for nearly five years, and has published numerous reviews of state-specific insurance trends and how to find the best insurance deals for your money. She earned B.S. and M.A. degrees from Nazareth College in Rochester, N.Y. and has been writing professionally, both in print and online, for 30+ years.