Tucson Insurance Rates:

Tucson, AZ home insurance is approximately $528 to $715, about $44-$59/month. Our exhaustive analysis shows customers can save upto $248 by comparing multiple quotes

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Tucson Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $130/2 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $405,000

5 Beds, 5 Baths 4030 sqft Vacation Property Constructed In 2002 with Hardwood Flooring, Wood Shake Roof, Piers Foundation, Wood siding, Stucco Construction. Home Features Include Central Air Conditioning, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

59 Years old Married Male who is Unemployed and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $80/4 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $90,000

2 Beds, 2 Bath 1020 sqft Primary Residence Constructed In 1987 with Linoleum, Slate Shingles Roof, Piers Foundation, Brick siding, Brick Frame. Home Features Include Fireplace, Indoor Sprinklers, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

51 Years old Divorced Female who is a Freelancer with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $110/2 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $160,000

3 Beds, 3 Bath 1790 sqft Primary Residence Constructed In 2012 with Stone Flooring, Tile Roof, Chainwall Foundation, Stucco siding, Stucco Construction. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

39 Years old Divorced 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 :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $410/7 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $295,000

3 Beds, 3 Bath 2330 sqft Primary Residence Constructed In 2011 with Carpet Flooring, Composition Roof, Crawl Space Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

71 Years old Married Female who has a Full Time Job with household income of $75-$100,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $280/5 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $365,000

4 Beds, 4 Baths 3310 sqft Primary Residence Constructed In 2006 with Carpet Flooring, Slate Shingles Roof, Chainwall Foundation, Stucco siding, Stucco Construction. Home Features Include Central Air Conditioning, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

24 Years old Married Male who is a Freelancer with household income of $50-$75,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $320/12 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $150,000

3 Beds, 3 Bath 1610 sqft Vacation Property Constructed In 2010 with Stone Flooring, Slate Shingles Roof, Crawl Space Foundation, Stucco siding, Brick Frame. Home Features Include Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

43 Years old Married Female who has a Full Time Job with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $350/6 months for $125,000-$150,000 Coverage
Policy Holder Home Details :

Home Value : $145,000

2 Beds, 2 Bath 1322 sqft Rental Property Constructed In 1978 with Wood Flooring, Composition Roof, Piers Foundation, Wood siding, Wood Frame. Home Features Include Indoor Sprinklers, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

72 Years old Divorced Female who has a Full Time Job with household income of $100-$150,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $240/3 months for $400,000 Coverage
We live in private gated area near Valle Escondido. The house was constructed in 2001 & is 2500 sft on an acre of land. Its 4 bedrooms with 2.5 bathrooms. The house should be worth about $450,000
Mother stays with us. No dogs. 3 teenage kids. Wife is a smoker. Average credit. I work part time.
Home Insurance Rate of $174/3 months for $200,000 Coverage
Our house is a 1500 sft condo which is quite compact but comfortable with all modern fixtures and advanced security both at the building & condo level.
Our credit score is pretty solid in the upper 700's & our house is almost fully paid so we should get cheaper rates.

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Tucson Rates & Quotes Analysis:

Tucson Area Estimated House Insurance
W Box R St, W Dimming Star Dr, E Langtree Ln, N Sierra Chapita, N Rio Cancion Dr, E Palms Park Dr, N Giaconda Way, E Cll Alegria, W Alto Cielo, W Root Ln$619
N Cll de Beso, E Pla el Centeno, Flowering Cactus Ct, N Little Oak Ln, Side Winder, S Linnet Ave, N Indian Horse Trl, E Tearney Dr, N Ahwatukee Way, W Calabria Ct$678
W Sagebrush Hills Ct, W Starfall Pl, S Carver Ln, N Millard Dr, W Idle Hour Pl, Sutherland Trl, N Tuttle Ave, N Scenic Mountain Dr, S Mendham Sv, Ave Sosegado$618
E Brown Way, N Cam Arturo, Chelsie Kaye Ln, Via Molino, S Vail Creek Pl, Grady Ave, N Sykes Knob Rd, N Star Grass Dr, E Mabel Pl, E Bantam Rd$590
W Cam de la Amapola, W Echo Crossing Rd, W Lazy Heart St, W Autumn Breeze Dr, N Essel Dr, W Milbrae Springs Dr, N Gentle Rain Dr, W Belmont Rd, N Bayshore Dr, N Sardis Way$666
E Nesher Rd, W San Paulus Rd, S Apple Tree Ave, W Kelso St, E Croyden St, S High Creek Way, Lake Dr, S Pla Aldaco, N Rio Vista Dr, E Freestone Dr$604
W Wanda Vista Pl, E Gazania Ln, W Laguna St, S Ravens Roost Ct, N Benton Ave, W Homecoming Way, W Regulation Pl, N Prescott Pl, S Philamena Pl, N Saffron Rd$674
Binghampton, W Pla Sanchez, N Painted Feather Dr, S Kelvin Stra, S Logan Ave, W McElroy Dr, W Tortolita Vista Ln, N Newhill St, E Lakeside Pw, E Pompeii Cir$677
E Smoot Dr, W Felicia Pl, N Magnolia Ave, E Cll Luna, W Kimberley Pl, N Walnut Ave, N Ironwood Reserve Ct, N Mc Carty Rd, N Tarzana Dr, E Wooden Bucket St$678
Edwin Rd, S Manta Ray Rd, W Birdman Dr, S Fairway Groves Pl, Marble Ridge Dr, N Acuna Ave, N Coachline Rd, E Moonstone Dr, E Watering Hole Pl, S Chinese Lanterns Dr$625

Insurance rates are influenced by a number of factors including:

  • Year Built: 67,177 Homes (17% of total) built between 1990 to 1999 in Tucson are paying home insurance between $897-$906 compared to Rincon Valley (+$71), Tanque Verde (+$84), Vail (+$20), Littletown (-$33) and Summit (-$43).
  • Bedrooms: 106,594 2 bedrooms homes (28% of total homes ) in Tucson are paying about $336. Areas near to Tucson such as Rincon Valley, Tanque Verde, Vail are costlier by $27, $32, $8 respectively whereas Summit and Drexel Heights are more economical by $10, $9 respectively for similar homes.
  • Auto Insurance Bundling: 45,436 Households (22% of all households) in Tucson have 3 or more vehicles available and when it is bundled with home insurance you can save $155 compared to Rincon Valley ($167), Littletown ($149), Tanque Verde ($170).
  • Senior Discounts: 109,878 seniors (more than 55 years) occupied housing units (53% of total) in Tucson get discounts between $93 to $95 and differs from Rincon Valley ($100), Littletown ($89), Tanque Verde ($102).
  • New Homes discounts: New homes such as the 172,169 homes built between 2000 to 2009 in Tucson can save $124 and differs from Rincon Valley ($134), Littletown ($119), Tanque Verde ($136).

Tucson Homeowners insurance Facts

  • Tucson, AZ has 206,071 owner occupied houses which is 61.2% of all units whereas Rincon Valley, Littletown and Tanque Verde have 88.72%, 80.67% and 91.03% respectively.
  • Tucson, AZ homeowners yearly insurance price at $622 is 0.34% of the typical house value of $185,500 which is in contrast with 0.19% in Rincon Valley, 0.55% at Littletown & 0.18% in Tanque Verde.
  • Homeowners in Tucson, AZ pay 2.26% of their income ($25,000 to $29,999) in insurance whereas homeowners in Tanque Verde, Vail and Summit pay 2.47%, 2.31% and 2.15% respectively.
  • Tucson, AZ’s insurance is 3.6% of monthly housing costs of $1,441/month, for owners with a mortgage compared to 2.44% in Rincon Valley, 2.74% at Tanque Verde & 2.97% in Vail. But, for households without a mortgage, insurance is 12.4% of costs ($417 in Tucson, AZ) in contrast with 10.26% in Rincon Valley, 9.84% at Tanque Verde & 12.56% in Vail.

Tucson, AZ Home Values & Insurance rates

For example, insurance for 23,425 Homes (13.0% of total homes ) valued between $150,000 to $174,999 in Tucson, AZ is about $541. Rates in nearby areas in such as Rincon Valley, Tanque Verde, Vail are cheaper by $240, $256, $103 respectively while Littletown and Summit are costlier by $345 and $601 respectively for similar homes.

Tucson, AZ Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 16,959 9.0% $80
$50,000 to $59,999 2,964 1.0% $174
$60,000 to $69,999 3,095 1.0% $217
$70,000 to $79,999 4,222 2.0% $248
$80,000 to $89,999 5,799 3.0% $279
$90,000 to $99,999 6,066 3.0% $317
$100,000 to $124,999 16,863 9.0% $366
$125,000 to $149,999 16,564 9.0% $460
$150,000 to $174,999 23,425 13.0% $541
$175,000 to $199,999 16,896 9.0% $628
$200,000 to $249,999 26,559 14.0% $752
$250,000 to $299,999 18,452 10.0% $920
$300,000 to $399,999 21,132 11.0% $1169

Renters Insurance in Tucson

  • Average Renters Insurance in Tucson :  $210($17/month)

  • Median Gross Rent in Tucson :  $775

  • Tucson Renters Insurance to Median Rent Ratio:  2.19%

  • Renter occupied housing units in Tucson :  130,408

Tucson Renters Insurance as a Percentage of Rent

Tucson Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 1,612 1.0% $352
$200 to $299 1,985 1.0% $802
$300 to $499 12,108 9.0% $1252
$500 to $749 43,145 34.0% $1927
$750 to $999 31,437 25.0% $2677
$1,000 to $1,499 26,842 21.0% $3802
$1,500 or more 8,109 6.0% $5452

Rent Affordability in Tucson:

Approximately 48.0% (63,464) of households are spending more than 35% of their income on gross rent in Tucson

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 12,364 9.0%
15.0 to 19.9 percent 14,973 11.0%
20.0 to 24.9 percent 14,620 11.0%
25.0 to 29.9 percent 14,213 10.0%
30.0 to 34.9 percent 10,774 8.0%
35.0 percent or more 63,464 48.0%

Tucson Renters Insurance Discounts:

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

Number of Vehicles in Tucson, AZ Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 65,661 50.0% $21.0
2 vehicles available 31,963 24.0% $31.5
3 or more vehicles available 9,200 7.0% $42.0

Tucson Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 9,569 7.0% $77
60 to 64 years 6,505 4.0% $62
65 to 74 years 7,856 6.0% $50
75 years and over 9,189 7.0% $38

Protective device discount in Tucson Up to :  $31

Claims-free discount in Tucson Up to :  $42

Tucson, AZ Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
85736 $98,900 $600
85714 $95,700 $600
85706 $89,700 $600
85705 $83,700 $590
85718 $469,200 $710
85750 $383,000 $690
85749 $381,200 $690
85739 $305,700 $670
85715 $230,300 $650
85748 $230,100 $650
85701 $227,600 $640
85743 $204,500 $640
85745 $203,800 $630
85719 $203,400 $630
85747 $199,900 $630
85742 $195,800 $630
85716 $192,400 $630
85741 $166,800 $620
85711 $161,400 $620
85710 $159,900 $620
85712 $159,500 $620
85730 $142,100 $610
85746 $119,600 $600
85735 $108,600 $600
85713 $102,500 $600