Best and Cheapest Homeowners Insurance in Arizona for 2025 (Save With These 10 Companies)

The best and cheapest homeowners insurance in Arizona comes from USAA, State Farm, and Amica, with rates starting at $100/month. USAA is the most affordable for military families making it top provider.

While State Farm is known for reliable service with a large network of agents and fast claims handling. Amica stands out for customer satisfaction, offering policies that can refund part of your premium and a smooth claims process.

Insurance Company	Rank	Monthly Rates	A.M. Best	Best For	Jump to Pros/Cons
	#1	$100	A++	Military Families	USAA
	#2	$108	A++	Reliable Service	State Farm
	#3	$113	A+	Customer Service	Amica
	#4	$117	A	Personalized Coverage	American Family
	#5	$121	A++	Online Efficiency	Geico
	#6	$125	A+	Comprehensive Policies	Allstate
	#7	$129	A+	Broad Options	Nationwide
	#8	$133	A	Customizable Coverage	Farmers
	#9	$142	A	Discount Opportunities	Liberty Mutual
	#10	$150	A++	High-Value Properties	Travelers

Compare Arizona home insurance quotes today to find the best deal. Get started today by entering your ZIP code into our free quote tool.

What You Should Know

• The best and cheapest homeowners insurance in Arizona starts at $100/month
• USAA is the top pick for military families, offering the lowest rates and strong benefits
• State Farm provides reliable service with a large agent network, while Amica excels in customer satisfaction

#1 – USAA: Top Overall Pick

Pros

• Military Benefits: Exclusive discounts and coverage for AZ military families. Delve into our USAA review.
• Lowest Rates in AZ: Minimum coverage starts at $100/month, the cheapest in the state.
• Fast Claims Process: Highly rated A++ service ensures quick claims for Arizona homeowners.

Cons

• Membership Limits: Only available to military members, veterans, and families in AZ.
• No Local Agents: Mostly online service, unlike State Farm or Farmers in Arizona.

#2 – State Farm: Best for Reliable Service

Pros

• Local Agents: Hundreds of agents across Arizona for in-person support. Discover our State Farm review for a full list.
• Affordable Rates: Minimum coverage starts at $108/month for AZ homeowners.
• Custom Coverage: Add flood, earthquake, or liability protection in AZ.

Cons

• Fewer Discounts: Offers lower bundling discounts than Allstate in AZ.
• Rate Increases: Premiums may go up after claims or policy changes in Arizona.

#3 – Amica: Best for Customer Service

Pros

• Top-Rated Service: Highest customer satisfaction for AZ homeowners (Read more: Amica renters insurance: What are Amica policyholders saying?).
• Competitive Rates: Minimum coverage starts at $113/month in Arizona.
• Dividend Policies: Get up to 20% of premiums refunded annually in AZ.

Cons

• No Local Agents: Service is mostly online, unlike State Farm in Arizona.
• Fewer Discounts: Offers fewer savings options than Geico or Allstate in AZ.

#4 – American Family: Best for Personalized Coverage

Pros

• Custom Options: Base on our American Family review, it offers sewer backup, ID theft, and home business coverage in AZ.
• Budget-Friendly Rates: Minimum coverage starts at $117/month in Arizona.
• Safe Home Discount: Save up to 20% with security or smart home upgrades in AZ.

Cons

• Limited Agents: Fewer agents than State Farm in some AZ areas.
• Older Homes Cost More: Homes 30+ years old in AZ have higher premiums.

#5 – Geico: Best for Online Efficiency

Pros

• Easy Online Tools: Get instant quotes, policy changes, and claims in AZ.
• Low Monthly Rates: Minimum coverage starts at $121/month in Arizona.
• Good Discounts: Save up to 25% with bundling, security, and military discounts in AZ (Learn more: 32 Genius Ways to Save Money).

Cons

• No Local Agents: Service is online only, unlike State Farm in AZ.
• Third-Party Coverage: Uses partner companies to underwrite home policies in Arizona.

#6 – Allstate: Best for Comprehensive Policies

Pros

• Wide Coverage: Add water backup, yard & garden, or identity theft in AZ. Explore more in our Allstate review.
• Competitive Pricing: Minimum coverage starts at $125/month in Arizona.
• Claim-Free Rewards: Discounts for staying claim-free for 3+ years in AZ.

Cons

• Higher Wildfire Rates: Homes in fire-prone areas of AZ cost more.
• Slower Claims: Some AZ homeowners report delays after major weather events.

#7 – Nationwide: Best for Broad Options

Pros

• Strong Coverage: Includes replacement cost coverage for AZ homeowners. For a comprehensive list, refer our Nationwide review.
• Affordable Plans: Minimum coverage starts at $129/month in Arizona.
• Vanishing Deductible: Reduce deductibles by $100/year when claim-free in AZ.

Cons

• Fewer Agents: Less local support in rural AZ areas than State Farm.
• Claim Increases: Filing a claim may raise renewal rates in Arizona.

#8 – Farmers: Best for Customizable Coverage

Pros

• Flexible Policies: Add wildfire, eco-rebuild, and high-value home coverage in AZ.
• Decent Rates: Minimum coverage starts at $133/month in Arizona.
• Bundling Savings: Save up to 20% with home and auto insurance in AZ, , see our Farmers review.

Cons

• Rate Hikes: Premiums may rise faster than competitors in AZ.
• Outdated Website: Online tools are slower than Geico or USAA in Arizona.

#9 – Liberty Mutual: Best for Discount Opportunities

Pros

• Lots of Discounts: Bundling, claims-free, and senior discounts in AZ. Read our Liberty Mutual review to learn more.
• Decent Pricing: Minimum coverage starts at $142/month in Arizona.
• High-Risk Coverage: Covers homes in flood, wildfire, and crime-prone areas in AZ.

Cons

• Without Discounts Costs More: Premiums are higher if you don’t qualify for savings in AZ.
• Customer Service Issues: Some AZ homeowners report slow claims processing.

#10 – Travelers: Best for High-Value Properties

Pros

• Luxury Home Coverage: Ideal for high-value or custom-built homes in AZ. Check out our Travelers review.
• Wide Add-Ons: Includes water backup, jewelry, and fine art in Arizona.
• Competitive Pricing: Minimum coverage starts at $150/month in Arizona.

Cons

• Higher Standard Rates: Cheaper options exist for average-value homes in AZ.
• Fewer Discounts: Fewer bundling or loyalty savings than competitors in Arizona.

Exploring the Best Homeowners Insurance Rates in Arizona

Finding the best and cheapest homeowners insurance in Arizona depends on your home’s value and the coverage you need. The table below compares the homeowners insurance monthly rates in Arizona from the top providers, showing costs for $200K, $300K, and $500K homes to help you find the best option for your budget.

Insurance Company	$200k Policy	$300k Policy	$500k Policy
	$125	$188	$313
	$117	$175	$292
	$113	$169	$281
	$133	$200	$333
	$107	$209
	$142	$213	$354
	$129	$194	$323
	$108	$162	$271
	$150	$225	$375
	$100	$150	$250

Among the largest home insurance companies in Arizona, USAA has the lowest rates, starting at $100 per month for a $200K home, but it is only available to military families. For non-military homeowners, State Farm offers the cheapest rates, starting at $108 per month.

Other affordable options include Amica ($113/month) and American Family ($117/month), while Geico ($107/month) is another budget-friendly choice. If you need more coverage, the cost goes up depending on your home’s value. For a $300K home, USAA still has the lowest rate at $150 per month, followed by State Farm at $162/month and Amica at $169/month.

For a $500K home, USAA charges $250/month, while State Farm costs $271/month. Comparing home insurance quotes in Arizona from different companies can help AZ homeowners find the best price for the coverage they need.

Read more: A Practical Guide for Understanding Homeowners Insurance

Coverage Options Included in Arizona Homeowners Policy

Homeowners insurance policies in Arizona include various types of coverage to protect your home and personal belongings. Standard policies typically cover damage from fire, storms, theft, and liability risks, but homeowners can customize their plans with additional protection based on their needs. Below are the key coverage types included in most Arizona home insurance policies:

• Dwelling Coverage: Protects the structure of your home, covering damage from fire, smoke, lightning, vandalism, and more.
• Other Structures Coverage: Covers detached structures on your property, such as sheds, garages, and fences.
• Personal Property Coverage: Pays for the repair or replacement of belongings inside your home if they are damaged or stolen.
• Personal Liability Coverage: Covers legal expenses and medical costs if someone is injured on your property.
• Additional Living Expenses (ALE): Pays for temporary housing and food if your home is unlivable due to covered damage.

The table below shows which Arizona homeowners insurance companies offer these optional coverages, helping you decide which provider fits your needs.

Insurance Company	Green Home Coverage	Equipment Breakdown Coverage	Service Line Protection
Insurance Company	Green Home Coverage	Equipment Breakdown Coverage	Service Line Protection
	✅	❌	✅
	✅	✅	❌
	✅	✅	✅
	✅	✅	❌
	✅	❌	✅
	✅	✅	✅
	✅	✅	✅
	✅	✅	✅
	✅	✅	❌

If you live in a high-risk area, such as flood-prone or earthquake zones, you may need separate policies for full protection. It’s important to compare coverage options and costs to find the best balance between affordability and security.

By reviewing these policy features, Arizona homeowners can ensure they have the right level of protection for their home and belongings. Explore our guide that tackle about smart home devices: save money on homeowners insurance & prevent claims.

Factors Affecting Homeowners Insurance Rates in Arizona

The cost of homeowners insurance in Arizona depends on several things, like where your home is, how old it is, and how much coverage you need. Insurance companies look at crime rates, wildfire risks, and weather damage when setting prices.

Category	Grade	Explanation
Coverage Options	A	Wide range of coverage available
Claims Handling	B+	Efficient, but occasional delays
Discounts and Savings	B+	Good savings opportunities offered
Customer Service	B	Responsive, but inconsistent times

Phoenix has the most claims per year, which means homeowners there may pay more. On the other hand, smaller cities like Peoria and Surprise have fewer claims, so insurance may be cheaper. Homes that are closer to a fire station or in safer areas may also get lower rates.

City	Accidents per Year	Claims per Year
Chandler	3,500	1,750
Gilbert	2,000	1,000
Glendale	3,000	1,500
Mesa	5,000	2,500
Peoria	1,000	500
Phoenix	61,000	30,500
Scottsdale	2,500	1,250
Surprise	500	250
Tempe	1,500	750
Tucson	15,500	7,750

Your home’s size, condition, and age also play a big role in your insurance costs. Older homes usually cost more to insure because they may need more repairs. Your credit score, past claims, and deductible amount also matter—if you have good credit and no recent claims, you may qualify for lower rates.

Claim Type	Portion of Claims	Cost per Claim
Wind and Hail	35%	$8,500
Fire and Lightning	6%	$77,340
Water Damage and Freezing	5%	$11,650
Liability	2%	$22,611
Theft	1%	$4,415

Some homeowners choose to add extra coverage like umbrella insurance or equipment breakdown protection, which can increase the cost. According to Zillow, Arizona homeowners pay about $35 per month for every $100,000 of home value, so comparing quotes can help you find the best deal.

How to Save Money on Your Homeowners Insurance Premium in Arizona

Saving money on homeowners insurance in Arizona is possible by taking advantage of various discounts offered by top providers. Bundling home and auto insurance is one of the best ways to save, with USAA offering the highest bundling discount at 30%, followed by Geico (25%) and Liberty Mutual (22%).

Insurance Company	Safe Driver	Bundling	Anti-Theft	Vehicle Safety	Defensive Driving
	15%	20%	10%	5%	10%
	12%	18%	8%	7%	9%
	10%	20%	15%	6%	12%
	20%	18%	12%	8%	11%
	18%	25%	10%	4%	13%
	14%	22%	9%	6%	10%
	13%	21%	11%	5%	8%
	16%	15%	12%	10%	10%
	17%	18%	14%	6%	9%
	20%	30%	12%	5%	15%

Homeowners with security systems can also lower their premiums, with Amica providing the biggest anti-theft discount at 15%. If you have a safe driving record, Farmers and USAA offer the largest safe driver discounts at 20%, making them great choices for responsible homeowners (Read more: Top 5 ways to save money on your homeowners insurance premium).

Some insurers, like State Farm and Geico, also reward homeowners for having vehicle safety features, which can help those who bundle auto insurance. Comparing discounts and combining multiple savings options is the best way to reduce your monthly premium while keeping your home fully protected. If you’re looking to protect your most valuable asset with home insurance, compare rates now with our free quote tool.