Prescott Insurance Rates:

Prescott, AZ home insurance is roughly $533 to $726, about $44-$60/month. Our detailed research indicates shoppers can save as much as $251 by comparing different quotes

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Prescott Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
American Family Insurance
Home Insurance Rate of $950/10 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $430,000

4 Beds, 4 Bath 3260 sqft Primary Residence Constructed In 1984 with Carpet over wood flooring, Wood Shake Roof, Piers Foundation, Stucco siding, Brick Frame. Home Features Include Fire Extinguisher, Central Air Conditioning, Smoke Alarm, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

43 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $40/1 month for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $315,000

4 Beds, 4 Bath 2350 sqft Vacation Property Constructed In 1986 with Ceramic Tile Flooring, Slate Shingles Roof, Slab Foundation, Stucco siding, Wood Frame. Home Features Include Fireplace, Fire Extinguisher, Copper Water Pipes, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

33 Years old Divorced Female who has a Full Time Job with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $80/3 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $175,000

3 Beds, 3 Baths 1300 sqft Rental Property Constructed In 2010 with Linoleum, Membrane Roof, Piers Foundation, Stone Siding, Metal Frame Construction. Home Features Include Fireplace, Smoke Alarm, Swimming Pool, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

45 Years old Single Male who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $580/10 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $265,000

4 Beds, 4 Baths 2810 sqft Rental Property Constructed In 1986 with Carpet Flooring, Metal Roof, Crawl Space Foundation, Vinyl siding, Brick Frame. Home Features Include Copper Water Pipes, Central Air Conditioning, Fireplace, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

66 Years old Single Male who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $290/5 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $240,000

4 Beds, 4 Baths 1810 sqft Vacation Property Constructed In 2011 with Hardwood Flooring, Slate Shingles Roof, Crawl Space Foundation, Brick siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

40 Years old Divorced Male who is a Freelancer with household income of $75-$100,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $220/5 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $240,000

3 Beds, 3 Baths 1890 sqft Rental Property Constructed In 1998 with Wood Flooring, Composition Roof, Crawl Space Foundation, Stucco siding, Stucco Construction. Home Features Include Fire Extinguisher, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

40 Years old Married Male who is a Freelancer with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $240/4 months for $175,000-$200,000 Coverage
Policy Holder Home Details :

Home Value : $145,000

2 Beds, 2 Baths 940 sqft Primary Residence Constructed In 1993 with Ceramic Tile Flooring, Slate Shingles Roof, Slab Foundation, Stone Siding, Brick Frame. Home Features Include Deadbolt Locks, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

55 Years old Single Male who is Unemployed with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Prescott, AZ Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
86305 $336,000 $670
86301 $211,700 $640

Prescott Rates & Quotes Analysis:

Prescott Area Estimated House Insurance
Lichen Ridge Ln, Iron Hawk Dr, Gumtree Ln, Prescott Lakes Pkwy, Granite Oaks Dr, E Gurley St, Alpline, N Docs Rd, E Adair Dr, Eastwood Pl$682
Thumb Butte Rd, Northern St, Heritage Cir, Stirup High Dr E, Elrod Rd, E Alpine Dr, N Bearclaw Dr, W Carriage Ln, N Kearny Dr, W Home Stretch Dr$611
Oregon Ave, S Donegal Dr, Crestview Ln, Willow Ln, Riverview Dr, Papago Way, E John Ct, Ithaca Dr, Poland Junction Rd, E Yellowglen Dr$654
E Copper Hill Dr, N Cam del Sol, Fleury St, Troy Ln, Golden Fleece, Black Elk Ct, Victory Ln, N Ridgecrest Dr, Black Dr, Tiburon Dr$627
Symphony Dr, Navajo Way, Linden Rd, Squirrel Dr, Mesa Dr, Pinion Pine Way, Cactus Wren Ln, Grafton Ct, Johnny Mullins Dr, Conner Cr$603
Hooty Ln, Boone Ct, Nicholet Trl, Bahai Ln, N Adobe Trl, E Encampment Ct, Saddle Pass, Kaibab Ln, Rolling Green Rd, E Sanddraw Cir$679
Surefire Rd, E Gurley St, W Wildhorse Run, N Granada Dr, Hope Dr, E Charolais Rd, Rill Rd, E Hillward, N Sunset Rdg, Solar View Dr$623
Circle Dr, Yavapai County Rd 62, W Phylis St, Roadrunner Ln, Bar-Circle-A Rd, Louie St, Pinon Pine Way, W Mint Wash Pass, Forest Hills Rd, E Viento St$668
N Taylor Ave, E Indian Hill Dr S, Forest Service 102 Rd, Shiloh Rd, E Chase Cir, Angelita Dr, Rock Haven, E Jaden Ln, E Carleton St, Ascott St$648
W Big Chino Rd, E Sunflower Ln, N Golden Way, Terra Verde Dr, E Tranquil Blvd, Apache Dr, Hawk Hollow Way, W Chianti, N Agua Fria Dr, E Joan Dr$615

Insurance rates are influenced by a number of factors including:

  • Year Built: 12,692 Homes (20% of total) built between 1980 to 1989 in Prescott are paying home insurance between $938-$948 in contrast with Williamson (+$74), Camp Verde-Sedona (+$17), Morristown (+$21), Wilhoit (-$54) and Paulden (-$22).
  • Bedrooms: 19,757 2 bedrooms homes (32% of total homes ) in Prescott are paying about $340 in contrast with Williamson (+$27), Jerome (+$12), Camp Verde-Sedona (+$6), Wilhoit (-$19) and Paulden (-$8).
  • Auto Insurance Bundling: 15,145 Households (42% of all households) in Prescott have 2 vehicles available and when it is bundled with home insurance you can save $125 and differs from Yavapai County ($125), Williamson ($135), Wilhoit ($118).
  • Senior Discounts: 25,188 seniors (more than 55 years) occupied housing units (70% of total) in Prescott get discounts between $94 to $96. The comparative concessions in proximate regions such as Yavapai County, Williamson and Wilhoit are $93, $101 and $88 respectively.
  • New Homes discounts: New homes such as the 33,912 homes built between 2000 to 2009 in Prescott can save $125 and similar new home insurance discounts in nearby towns and cities like Yavapai County, Williamson and Wilhoit are $125, $135 and $118 respectively.

Prescott Homeowners insurance Facts

  • Prescott, AZ has 35,841 owner occupied houses which is 68.4% of all units whereas Yavapai County, Williamson and Wilhoit have 70.73%, 88.4% and 91.44% respectively.
  • Prescott, AZ homeowners yearly insurance price at $629 is 0.3% of the typical house value of $212,800 which is in contrast with 0.31% in Yavapai County, 0.18% at Williamson & 0.66% in Wilhoit.
  • Homeowners in Prescott, AZ pay 1.48% of their income ($40,000 to $44,999) in insurance whereas homeowners in Yavapai County, Williamson and Wilhoit pay 1.47%, 1.6% and 1.4% respectively.
  • Prescott, AZ’s insurance is 3.8% of monthly housing costs of $1,390/month, for owners with a mortgage compared to 3.86% in Yavapai County, 2.88% at Williamson & 4.23% in Wilhoit. But, for households without a mortgage, insurance is 14.2% of costs ($369 in Prescott, AZ) in contrast with 14.14% in Yavapai County, 11.27% at Williamson & 19.15% in Wilhoit.

Prescott, AZ Home Values & Insurance rates

For example, insurance for 2,404 Homes (8.0% of total homes ) valued between $175,000 to $199,999 in Prescott, AZ is about $553. Rates in nearby areas in such as Williamson, Dewey-Humboldt, Jerome are cheaper by $221, $5, $130 respectively while Yavapai County and Wilhoit are costlier by $35 and $680 respectively for similar homes.

Prescott, AZ Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 2,960 9.0% $69
$60,000 to $69,999 493 1.0% $188
$70,000 to $79,999 776 2.0% $220
$80,000 to $89,999 802 2.0% $245
$90,000 to $99,999 809 2.0% $276
$100,000 to $124,999 2,633 8.0% $320
$125,000 to $149,999 2,109 7.0% $402
$150,000 to $174,999 3,530 11.0% $478
$175,000 to $199,999 2,404 8.0% $553
$200,000 to $249,999 4,365 14.0% $660
$250,000 to $299,999 3,934 13.0% $811
$300,000 to $399,999 4,763 15.0% $1031

Renters Insurance in Prescott

  • Average Renters Insurance in Prescott :  $188($15/month)

  • Median Gross Rent in Prescott :  $798

  • Prescott Renters Insurance to Median Rent Ratio:  1.88%

  • Renter occupied housing units in Prescott :  16,572

Prescott Renters Insurance as a Percentage of Rent

Prescott Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 261 1.0% $797
$300 to $499 1,459 9.0% $1247
$500 to $749 5,020 32.0% $1922
$750 to $999 4,137 26.0% $2672
$1,000 to $1,499 3,650 23.0% $3797
$1,500 or more 962 6.0% $5447

Rent Affordability in Prescott:

Approximately 47.0% (7,943) of households are spending more than 35% of their income on gross rent in Prescott

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 2,083 12.0%
15.0 to 19.9 percent 1,490 8.0%
20.0 to 24.9 percent 1,765 10.0%
25.0 to 29.9 percent 1,695 10.0%
30.0 to 34.9 percent 1,596 9.0%
35.0 percent or more 7,943 47.0%

Prescott Renters Insurance Discounts:

Prescott Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Prescott, AZ Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 7,383 44.0% $18.8
2 vehicles available 5,247 31.0% $28.2
3 or more vehicles available 2,161 13.0% $37.6

Protective device discount in Prescott Up to :  $28

Claims-free discount in Prescott Up to :  $37