# How Much Does Homeowners Insurance Cost in Arizona? _Last updated: 2026-10-05T07:43:17Z_ > Arizona pricing for homeowners insurance opens around $7,438 and tops out near $26,034 per year; $13,916 is the typical figure. ## Typical cost at a glance | Level | Price | | --- | --- | | Low | ~$7,438 | | Typical | ~$13,916 | | High | ~$26,034 | _Currency: USD, per year._ ## Cost by type | Type | Low | Typical | High | | --- | --- | --- | --- | | Baseline cost at the advertised rate | ~$7,438 | ~$16,736 | ~$26,034 | | Best-qualified applicant scenario | ~$6,099 | ~$15,156 | ~$24,212 | | Weaker-credit scenario | ~$8,033 | ~$20,939 | ~$33,844 | | Origination and third-party fees | ~$893 | ~$3,961 | ~$7,029 | | Shorter term with higher payment | ~$7,587 | ~$19,154 | ~$30,720 | ## What Homeowners Insurance typically costs Most buyers in Arizona see homeowners insurance quoted between $7,438 and $26,034 per year. The typical figure is close to $13,916, and that is the number worth writing into a budget before you request quotes. ## Budgeting for homeowners insurance The easiest way to budget for homeowners insurance is to anchor on $13,916 per year, then add or subtract for scope. Providers near you can tell you which end you are likely to hit. ## Timing your homeowners insurance For homeowners insurance, same-day and after-hours call-outs sit at the top of the range. A standard appointment booked in advance gives you the best chance of the typical figure. ## What moves the price of homeowners insurance What pushes homeowners insurance toward the top of its range? Premium materials, awkward access, urgent scheduling, extra permits and disposal. Each is optional to a degree, and each should be itemised before you compare totals. ## How to compare quotes for homeowners insurance Cheapest is not the same as best value for homeowners insurance. A slightly higher quote with a complete scope and no open-ended extras is often safer than the lowest figure with caveats. ## Getting quotes for homeowners insurance For homeowners insurance, three quotes is the practical minimum and five is rarely necessary. The goal is to see the market range, not to collect paperwork. ## Frequently asked questions ### How much does homeowners insurance cost? Most homeowners insurance falls between $7,438 and $26,034, with a typical figure near $13,916 per year. The low end is a straightforward job with no surprises; the high end covers complex scope, premium materials or urgent timing. It is worth testing that against a couple of quotes in Arizona. ### What affects the price of homeowners insurance? The honest answer is that it depends on the specifics. Compare the written scope first, then the price. Local providers in Arizona can confirm how that applies to your area. ### Is Homeowners Insurance cheaper in smaller cities? Often, but not always. Smaller markets can carry a travel or availability premium that offsets a lower local rate, so it is worth checking a nearby city before assuming the lowest published figure applies to you. In Arizona, that is worth confirming with a local provider before you commit. ### How many quotes should I get for homeowners insurance? Two or three written quotes are enough to see the real market range. Compare the same scope side by side, and ask each provider what is excluded and what would change the price after the quote is accepted. The answer can shift with the Arizona market, so check locally. ## Keep comparing - [Finance](/category/finance/) - [Tax Preparation](/arizona/tax-preparation/) - [Personal Loans](/arizona/personal-loans/) - [Auto Loans](/arizona/auto-loans/) - [Student Loans](/arizona/student-loans/) - [Business Loans](/arizona/business-loans/) - [Mortgages](/arizona/mortgages/) - [Alabama](/alabama/homeowners-insurance/) - [Alaska](/alaska/homeowners-insurance/) - [Arizona](/arizona/homeowners-insurance/) - [Arkansas](/arkansas/homeowners-insurance/) - [California](/california/homeowners-insurance/) - [Colorado](/colorado/homeowners-insurance/) - [Connecticut](/connecticut/homeowners-insurance/) - [Delaware](/delaware/homeowners-insurance/) - [District of Columbia](/district-of-columbia/homeowners-insurance/) - [Florida](/florida/homeowners-insurance/) - [Georgia](/georgia/homeowners-insurance/) - [Hawaii](/hawaii/homeowners-insurance/) - [Idaho](/idaho/homeowners-insurance/) - [Illinois](/illinois/homeowners-insurance/) - [Indiana](/indiana/homeowners-insurance/) - [Iowa](/iowa/homeowners-insurance/) - [Kansas](/kansas/homeowners-insurance/) - [Kentucky](/kentucky/homeowners-insurance/) - [Louisiana](/louisiana/homeowners-insurance/) - [Maine](/maine/homeowners-insurance/) - [Maryland](/maryland/homeowners-insurance/) - [Massachusetts](/massachusetts/homeowners-insurance/) - [Michigan](/michigan/homeowners-insurance/) - [Minnesota](/minnesota/homeowners-insurance/) - [Mississippi](/mississippi/homeowners-insurance/) - [Missouri](/missouri/homeowners-insurance/) - [Montana](/montana/homeowners-insurance/) - [Nebraska](/nebraska/homeowners-insurance/) - [Nevada](/nevada/homeowners-insurance/) - [New Hampshire](/new-hampshire/homeowners-insurance/) - [New Jersey](/new-jersey/homeowners-insurance/) - [New Mexico](/new-mexico/homeowners-insurance/) - [New York](/new-york/homeowners-insurance/) - [North Carolina](/north-carolina/homeowners-insurance/) - [North Dakota](/north-dakota/homeowners-insurance/) - [Ohio](/ohio/homeowners-insurance/) - [Oklahoma](/oklahoma/homeowners-insurance/) - [Oregon](/oregon/homeowners-insurance/) - [Pennsylvania](/pennsylvania/homeowners-insurance/) - [Rhode Island](/rhode-island/homeowners-insurance/) - [South Carolina](/south-carolina/homeowners-insurance/) - [South Dakota](/south-dakota/homeowners-insurance/) - [Tennessee](/tennessee/homeowners-insurance/) - [Texas](/texas/homeowners-insurance/) - [Utah](/utah/homeowners-insurance/) - [Vermont](/vermont/homeowners-insurance/) - [Virginia](/virginia/homeowners-insurance/) - [Washington](/washington/homeowners-insurance/) - [West Virginia](/west-virginia/homeowners-insurance/) - [Wisconsin](/wisconsin/homeowners-insurance/) - [Wyoming](/wyoming/homeowners-insurance/) - [Ontario](/ontario/homeowners-insurance/) - [Quebec](/quebec/homeowners-insurance/) - [British Columbia](/british-columbia/homeowners-insurance/) - [Alberta](/alberta/homeowners-insurance/) - [Saskatchewan](/saskatchewan/homeowners-insurance/) - [Manitoba](/manitoba/homeowners-insurance/) - [Nova Scotia](/nova-scotia/homeowners-insurance/) - [New Brunswick](/new-brunswick/homeowners-insurance/) - [Newfoundland and Labrador](/newfoundland-and-labrador/homeowners-insurance/) - [Prince Edward Island](/prince-edward-island/homeowners-insurance/) - [Chandler](/chandler/) - [Gilbert](/gilbert/) - [Glendale](/glendale/) - [Mesa](/mesa/) - [Phoenix](/phoenix/) - [Scottsdale](/scottsdale/) - [Tucson](/tucson/) --- These are planning ranges drawn from public price data and market research. They are not a quote, an offer or financial advice, and your actual price depends on the provider, the location and the scope of the work.