Phoenix Insurance Rates:

Phoenix, AZ homeowners insurance is roughly $526 to $711, about $43-$59/month. Our comprehensive research reveals consumers can save as much as $247 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Grange
They offer a monthly setup plan for payments so that you do not miss a payment. it makes it super convenient for us.
Allstate
Allstate is too expensive for a monthly payment. it's hard to afford allstate when trying to afford other bills. especially when you're only making minimum wage.
Geico
I have had nothing but positive experiences with geico. their customer service is always to mutch. their prices are reasonable. they are extremely easy to work with and i would recommend them to friends and family.

Phoenix, AZ Homeowners Insurance By Home Value

Phoenix, AZ Home Value Total Homes % of Total Average Phoenix, AZ Homeowners Insurance
Less than $50,000 55,611 9.0% $86
$50,000 to $59,999 12,865 2.0% $185
$60,000 to $69,999 16,032 2.0% $229
$70,000 to $79,999 18,098 3.0% $266
$80,000 to $89,999 23,760 4.0% $297
$90,000 to $99,999 21,584 3.0% $334
$100,000 to $124,999 64,502 11.0% $389
$125,000 to $149,999 53,304 9.0% $482
$150,000 to $174,999 68,503 11.0% $575
$175,000 to $199,999 47,342 8.0% $662
$200,000 to $249,999 77,493 13.0% $798
$250,000 to $299,999 54,452 9.0% $971
$300,000 to $399,999 60,764 10.0% $1238

Top Home Insurance Agents Near Phoenix, AZ

Home Insurance Company Near Phoenix, AZ Homeowners Insurance Agency Near Phoenix, AZ Address
Farmers Allan Connor 5950 S Cooper Rd Ste 2b, Chandler, AZ, 85249
State Farm Lisa Ro Ross 14071 W Bell Rd Ste 105, Surprise, AZ, 85374-2454
Liberty Mutual Shane R. Lizama 21448 N. 75Th Ave. Suite 2, Glendale, AZ, 85308
Farmers Wayne Leavitt 7254 E Southern Ave Ste 105, Mesa, AZ, 85209
Travelers Wesselmann Insurance Network Group Llc 4203 E INDIAN SCHOOL RD STE 301, PHOENIX, AZ, 85018

Cost Of Homeowners Insurance By Street Near Phoenix, AZ

Streets in Phoenix Area Homeowners Insurance Cost
W Signal Butte Cir, S Rico Cir, E 3rd Dr, S Sarnac, E Doris St, N 13th Way, E Graythorn Way, N Hillridge, E Cactus Wren Dr, S Hall Cir$673
S 166th Dr, N Forest Ave, E Todd Dr, S 111th Pl, E Myrtle St, E Savannah Dr, N Granite Pointe, S Playa, N Horseshoe Ln, N Desert Ave$705
N Gardens, W Hansan Dr, 120th Ave, Tara Ln, W Quail Creek, N Desert Flower Dr, S Obispo Ave, E Shadow Rock Rd, E Cll Redonda, E Mc Kellips St$623
E Brentrup Dr, N 172nd Ln, W Emelita, S 104th St, N 56th Way, 112th Ave, E Ranch Circle Dr N, N 62nd, S 79th Ave, E Clubhouse Dr$626
400 W, S 158th Dr, N Gallatin, W Mediterranean Dr, E Valley View Dr, W Frito Ave, W South Fork Dr, E Cowan Cir, W Duluth Ave, W Elm Way$593
S Hunt Dr, W San Pedro St, W Chilton Ave, S Daley, N Mountview Rd, E Royal View Dr N, N Arden Cir, S 86th Ave, N 76th Cir, S Lewis$715
W Apollo Ave, S Almar Cir, W Palm Ridge Dr, N 11th Way, N Buckaroo Ln, S 21st Dr, S 45th Ave, S 101st St, E Boulder Dr, E Powderhorn Dr$625
S Revolta Cir, Lincoln Dr, Northern Ave, N Martingale Rd, W Kumquat Ct, S 72nd Dr, W Erie Dr, E Thunderbird Trl, E Joan D Arc Ave, N Morris$603
E Laguna Dr, E Venue St, W Taro Dr, E Floriade Dr, W Picerne Dr, W Pineaire Dr, N Bonow Dr, N 171st Ave, S 22nd Dr, E Sheridan Ave$580
W Willowbrook Dr, S 74th Ln, N Bluejay Dr, S Sierra Heights Cir, S 113th Way, N Forest, E Shoeman Ln, S Westcourt Way, N Via Serena Cir, W Shangri la Ave$593

Phoenix, AZ Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Phoenix$92 to $94
Paradise Valley$129
Glendale$92
Tempe$94

Phoenix, AZ Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Paradise Valley town, Arizona $129 $172 $258
Glendale city, Arizona $92 $122 $183
Tempe city, Arizona $95 $126 $189

Phoenix, AZ Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Phoenix, AZ3.4%12.3%
Paradise Valley1.79%7.17%
Glendale3.51%12.01%
Tempe3.39%12.15%

Phoenix Renters Insurance as a Percentage of Rent

Phoenix Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 4,653 1.0% $804
$300 to $499 18,042 4.0% $1254
$500 to $749 102,640 24.0% $1929
$750 to $999 120,983 28.0% $2679
$1,000 to $1,499 125,640 29.0% $3804
$1,500 or more 45,229 10.0% $5454

Phoenix, AZ Homeowners Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
85040 $97,700 $600
85019 $90,600 $600
85017 $88,100 $590
85033 $81,900 $600
85035 $80,500 $590
85031 $79,600 $590
85009 $74,300 $590
85012 $384,400 $690
85054 $367,400 $690
85018 $360,800 $680
85045 $353,700 $680
85048 $313,300 $660
85028 $301,100 $660
85085 $287,800 $670
85003 $275,000 $660
85086 $272,500 $660
85004 $267,800 $660
85050 $249,200 $650
85044 $237,400 $650
85021 $225,000 $630
85016 $215,600 $640
85007 $213,900 $640
85024 $210,500 $630
85020 $204,200 $630
85013 $197,700 $630
85022 $196,800 $630
85014 $188,400 $630
85023 $172,900 $630
85032 $168,100 $620
85053 $142,000 $610
85008 $127,700 $610
85034 $127,200 $610
85043 $125,400 $610
85029 $125,300 $610
85015 $120,400 $610
85041 $119,000 $610
85006 $118,900 $610
85051 $117,200 $610
85037 $112,000 $600

Average Cost Of Home Insurance By Company In Areas Nearby Phoenix For Different Scenarios

Home value ($) Construction type Coverage Company Average homeowners insurance premium ($)
Other structure coverage ($) Contents coverage ($) Additional living expenses coverage ($)
100,000 Masonry 10,000 75,000 20,000 American Security Ic 483
300,000 Masonry 30,000 225,000 60,000 Farm Bureau P&C Ic 1,183
100,000 Masonry 10,000 75,000 20,000 Homesite Ind Co 413
500,000 Masonry 50,000 375,000 100,000 Horace Mann Ic 952
300,000 Masonry 30,000 225,000 60,000 Pacific Ind Co 1,683
300,000 Frame 30,000 225,000 60,000 Pharmacists Mutual Ic 756
100,000 Frame 10,000 75,000 20,000 Praetorian Ic 393
300,000 Frame 30,000 225,000 60,000 Privilege Underwriters Reciprocal Exchange 1,944
100,000 Frame 10,000 75,000 20,000 United Heritage P&C Co 497
300,000 Frame 30,000 225,000 60,000 Universal North America Ic 832

Phoenix, AZ Home Insurance Costs With Home Replacement Value Scenarios

Scenario Phoenix, AZ Home Replacement Value MORE than Home Value Phoenix, AZ Home Replacement Value LESS than Home Value
Replacement Value $ $
Insurance Premium based on Replacement Value $ $
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $ Risk Exposure from Under Insuring Coverage is $
Premium Impact Insurance cheaper by $/year Insurance costlier by $/year

Sample Home Insurance Rates for Phoenix, AZ from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2012 90,000 Membrane Roof 1,120 2 $1000-$2500 Deductible 200 12 Brick siding yes
1996 145,000 Metal Roof 1,330 2 $500- $1000 Deductible 300 7 Brick siding No
2014 310,000 Metal Roof 3,110 4 $5000 to $10,000 Deductible 370 8 Stucco siding yes
1999 125,000 Composition Roof 1,080 2 $2500-$5000 Deductible 250 12 Wood siding yes
2012 120,000 Wood Shake Roof 980 2 $2500-$5000 Deductible 50 2 Fiber-Cement Siding No
1997 90,000 Shingles Roof 930 2 $500 Deductible 40 2 Stucco siding No
2011 335,000 Composition Roof 3,140 5 $500- $1000 Deductible 590 7 Fiber-Cement Siding No
2011 470,000 Tile Roof 4,600 5 $1000-$2500 Deductible 680 7 Wood siding No
2003 215,000 Asphalt Shingles Roof 1,880 3 > $10,000 Deductible 270 10 Fiber-Cement Siding No
2005 165,000 Composition Roof 1,124 2 $2500-$5000 Deductible 40 1 Stone Siding No