Home insurance cost in Arizona
About $3,415 a year, or $285 a month, for $400,000 of dwelling coverage, per NerdWallet's 2026 rates. The U.S. average is $2,490.
Home insurance cost
$3,415
a year
A month
$285
Rank
35 of 51
1 = cheapest; +37% vs U.S.
| State | Home insurance cost | Rank |
|---|---|---|
| Georgia | $3,225 | 33 |
| Illinois | $3,240 | 34 |
| Arizona | $3,415 | 35 |
| North Dakota | $3,510 | 36 |
| Minnesota | $3,615 | 37 |
| U.S. | $2,490 | - |
Common questions
How much is homeowners insurance in Arizona?
About $3,415 a year, or $285 a month, for $400,000 of dwelling coverage, per NerdWallet's 2026 rates. The U.S. average is $2,490.
Is home insurance in Arizona expensive?
Arizona ranks 35 of 51 (1 = cheapest). Your price depends on the home's rebuild cost, location, claims history, credit and deductible.
Add insurance and taxes to a full payment with the mortgage calculator.
More for Arizona: monthly budget · take-home pay · rent.