Home Insurance in Arizona — Average Cost 2026
Average home insurance in Arizona: $1,560/year ($130/month). Arizona ranks #25 out of 51 states — above the national average.
Average annual
$1,560
Average monthly
$130
National rank
#25
of 51 states
vs national avg
+9.2%
Arizona vs national average
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State averages are the starting point. Your actual rate depends on your individual profile. Use our calculator for a detailed estimate.
Home insurance in Arizona: wildfire risk
Arizona homeowners pay 9% above the national average for home insurance, with wildfire risk being a significant pricing factor in many parts of the state. Some insurers have reduced or eliminated coverage in high-risk fire zones, making it important to shop carefully and consider state-backed FAIR Plan options if private coverage is difficult to obtain.
Homeowners can reduce premiums through defensible space improvements, fire-resistant roofing materials, and a clean claims history.