Tucson Insurance Rates:

Tucson ,AZ Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.

VHome Insurance conducted a thorough analysis of the Tucson, AZ homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Tucson, AZ is $1627. Enter your zipcode below and click “GO” to get multiple free quotes.

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Home Insurance Companies in Tucson, AZ: Customer-Reviewed Options


Tucson, AZ Homeowners Insurance Rates by Coverage Level

It is important to understand the different coverage options available in Tucson, AZ. VHome Insurance will help you navigate the world of homeowners insurance coverages in Tucson, AZ.

Coverage Level Average Annual Premium
$100,000 $651
$200,000 $1,106
$300,000 $1,367
$400,000 $2,083
$500,000 $2,619


Tucson, AZ Homeowners Insurance Rates by ZIP Code

Home insurance costs in Tucson can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.

Zipcode Average Insurance Premium
085736 $1,473
85714 $1,489
85706 $1,477
85705 $1,461
85718 $1,740
85750 $1,661
85749 $1,667
85739 $1,592
85715 $1,559
85748 $1,559
85701 $1,609
85743 $1,555
85745 $1,553
85719 $1,553
85747 $1,556
85742 $1,553
85716 $1,540
85741 $1,528
85711 $1,516
85710 $1,518
85712 $1,518
85730 $1,505
85746 $1,504
85735 $1,499
85713 $1,481


Tucson, AZ Homeowners Insurance Deductibles

One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Tucson, AZ, and how to choose the right one for your needs.

Deductible Level Average Annual Premium
$500 Deductible $1,668
$1000 Deductible $1,492
$1500 Deductible $1,407
$2500 Deductible $1,269
$5000 Deductible $1,074



Top Home Insurance Agents Near Tucson, AZ

Home Insurance Company Near Tucson, AZ Homeowners Insurance Agency Near Tucson, AZ Address
Allstate Armando Rubio 645 E Speedway Blvd, Tucson, AZ, 85705
Travelers Bdrs Ins Services Pllc 7229 N THORNYDALE RD STE 121, TUCSON, AZ, 85741
State Farm Debbie Oconnell 10420 N La Canada Dr Ste 130, Oro Valley, AZ, 85737-7025
Farmers Frank Martinez 6340 N Campbell Ave Ste 140, Tucson, AZ, 85718
State Farm Tim Hill Clu 727 N Swan Rd, Tucson, AZ, 85711

Tucson, AZ Home Insurance Agents for Top Companies


Tucson, 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
Rincon Valley CDP, Arizona $84 $111 $167
Littletown CDP, Arizona $75 $99 $149
Tanque Verde CDP, Arizona $85 $113 $170


Tucson, 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
Tucson, AZ3.6%12.4%
Rincon Valley2.44%10.26%
Tanque Verde2.74%9.84%

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

Cost Of Homeowners Insurance By Street Near Tucson, AZ

Streets in Tucson Area Homeowners Insurance Cost
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

Tucson, AZ Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Tucson$93 to $95
Rincon Valley$100
Tanque Verde$102

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

Home value ($) Construction type Coverage Company Average homeowners insurance premium ($)
Other structure coverage ($) Contents coverage ($) Additional living expenses coverage ($)
300,000 Masonry 30,000 225,000 60,000 Aca Ic 459
100,000 Frame 10,000 75,000 20,000 Allstate Vehicle & Property Ic 457
100,000 Masonry 10,000 75,000 20,000 American Commerce Ic 292
100,000 Masonry 10,000 75,000 20,000 Country Mutual Ic 478
100,000 Frame 10,000 75,000 20,000 Empire Fire & Marine Ic 401
300,000 Frame 30,000 225,000 60,000 Farm Bureau P&C Ic 1,133
100,000 Frame 10,000 75,000 20,000 First American P&C Ic 339
500,000 Masonry 50,000 375,000 100,000 Merastar Ic 1,254
500,000 Frame 50,000 375,000 100,000 Pekin Ic 788
100,000 Frame 10,000 75,000 20,000 United Services Automobile Assoc 315


Tucson, AZ Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Tucson Homeowner Insurance Premium Example $1,100$900
Out of Pocket Expense During Claim$1,600$2,600
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $10,400$9,800
Net Savings to Tucson Home Owner from High Deductible Plan $600


Tucson, AZ Home Insurance Costs With Home Replacement Value Scenarios

Scenario Tucson, AZ Home Replacement Value MORE than Home Value Tucson, AZ Home Replacement Value LESS than Home Value
Replacement Value $413,500 $279,500
Insurance Premium based on Replacement Value $1,150 $775
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $93,000 Risk Exposure from Under Insuring Coverage is $41,000
Premium Impact Insurance cheaper by $100/year Insurance costlier by $275/year


Example Tucson Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Nationwide InsuranceAmica Mutual Insurance CompanyChubb Group of Insurance
Monthly Premium 5010250
Year Built 198120011966
Home Details 3 Beds, 1 Baths5 Beds, 2 Baths2 Beds, 1 Baths
Coverage Amount $200000-$250000$500000-$600000$200000-$250000
Deductible $500 Deductible$2500-$5000 Deductible$500 Deductible