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The Best Homeowners Insurance in Arizona of 2021

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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.

    Homeowners insurance is not a legal requirement in Arizona, but homeowners in the Grand Canyon State may be required to have it as part of their mortgage contract. Overall, home insurance protects your finances from damages or loss to your home and personal belongings, as well as providing financial protection from your liability in the event of a bodily injury claim. 

    Dozens of home insurance companies serve homeowners in Arizona. If you are buying home insurance for the first time, or are thinking about switching to a new provider, it is important to do some research to find the right fit. Not all Arizona home insurance companies are created equal, and the best provider for you might not be the best option for your neighbor.

    To help you in your search for the best home insurance companies in Arizona, we used our in-house methodology to compare discounts, coverage options, and third-party ratings for some of the most popular providers. We also used data from Coverage.com to calculate the average home insurance premium for each Arizona home insurance company.

    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

    Compare the Best Home Insurance Companies in Arizona

    Average Annual 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$1,1664.8A++831
    Pin USAA$1,0663.8A++882
    Pin Allstate$1,8153.8A+829
    Pin American Family$1,4443.6A831
    Pin Travelers$2,6123.2A++800
    Pin State Farm$1,1072.8A++835

    Information accurate as of October 2021

    * Data provided by Coverage.com

    **J.D. Power 2021 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 average premiums and numerous discounts, Auto-Owners also stands out for its strong customer service ratings and breadth of coverage options.
    • 4.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $1,815* 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.
    • 831** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Featuring low average premiums and numerous discounts, Auto-Owners also stands out for its strong customer service ratings 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 former or current military and their families.
    • 3.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $1,066* 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.
    • 882** 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 former or current military and their 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 abundant 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.
    • $1,815* 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 abundant 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 have a variety of ways 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.
    • $1,444* 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.
    • 831 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 have a variety of ways 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 might be 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.
    • $2,612* 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.
    • 800** 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 might be 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.
    • $1,107* 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.
    • 835** 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 2021 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 is $1,539 per year, according to average annual premiums from Coverage.com, making it one of the cheaper states in the U.S. for home insurance. For comparison, the average premium in the U.S. is $1,618 per year.

    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
    AAA $1,026 
    Allstate $1,815 
    American Family $1,444 
    Armed Forces Ins Exch $1,101 
    Auto-Owners $1,166 
    Chubb $1,469 
    Country Financial $3,056 
    Farmers $1,987 
    Iowa Farm Bureau $1,194 
    Nationwide $994 
    Progressive $1,191 
    State Farm $1,107 
    Travelers $2,612 
    USAA $1,066 

    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

    • Nationwide – $994
    • AAA – $1,026
    • USAA – $1,066

    Top 3 Most Expensive Homeowners Insurance Companies in Arizona

    • COUNTRY Financial – $3,056
    • Travelers – $2,612 
    • Farmers – $1,987

    The cheapest homeowners insurance companies in Arizona are Nationwide, AAA, and USAA. The most expensive Arizona homeowners insurance companies are COUNTRY Financial, Travelers, and Farmers. 

    However, keep in mind these are average annual premiums 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.