Phoenix Home Insurance Costs (2026)

How much is homeowners insurance in Phoenix?

Homeowners insurance in Phoenix averages $444 a month for the house we priced, with rates as of Sept. 30, 2026. The 5 major insurers we compared are State Farm, USAA (military families only), Farmers, Allstate and Liberty Mutual, and each one priced our sample home in all 41 Phoenix ZIP codes in our data, in Maricopa County. For this house, Phoenix is the most expensive of the 8 Arizona cities in our data with at least 5 ZIP codes, and above the Arizona average of $263 a month.

Our figures are for a $300,000 dwelling, which works out to about $17.75 a year for each $1,000 of dwelling coverage in Phoenix; insuring a larger or costlier house for more usually costs more, though not always in step with the limit.

For the same insurers and ZIP codes, the Phoenix average rose 3.3% since Nov. 2025, from $5,156 a year ($430 a month) on Nov. 30, 2025, to $5,326 ($444) on Sept. 30, 2026, as Allstate’s rose 11.0%, Liberty Mutual’s rose 3.0% and the other insurers’ prices didn’t change.

Homeowners insurance averages by insurer in Phoenix for our sample home (rates as of Sept. 30, 2026)

State Farm averaged $135 a month ($1,622 a year), USAA (military families only) $167 ($2,006), Farmers $230 ($2,765), Allstate $308 ($3,690) and Liberty Mutual $1,379 ($16,545) for our sample home.

Same sample home: each insurer’s average yearly price in the same Phoenix ZIP codes, Nov. 30, 2025 and Sept. 30, 2026

All 5 insurers in the table priced the same 41 Phoenix ZIP codes on both dates.

By ZIP code: each insurer’s yearly price for the same house changed with the Phoenix address:

• State Farm ran from $1,433 a year in 85037 to $1,805 in 85015.
• USAA (military families only) ran from $1,699 a year in 85086 to $2,566 in 85044.
• Farmers ran from $2,258 a year in 85086 to $3,464 in 85044.
• Allstate ran from $2,789 a year in 85086 to $6,438 in 85041.
• Liberty Mutual ran from $16,015 a year in 2 ZIP codes, including 85044 to $17,186 in 85006.

Why one insurer stands out: Liberty Mutual’s average for our sample home, $1,379 a month, is about 6.6 times the other 4 insurers’ average. It stays in our figures. Without it, the Phoenix average would be $210 a month ($2,521 a year), 20.2% below the Arizona average.

Same sample home in Phoenix with all 5 insurers and without Liberty Mutual (rates as of Sept. 30, 2026)

The Arizona figure includes every insurer we priced in the state.

Who has the cheapest homeowners insurance in Phoenix?

Prices for the same home vary so much by insurer and ZIP code that the lowest one for our sample home may not be lowest for you, so compare a few quotes. The home table above lists every insurer’s average for the same home.

What changes your price: where the house sits, its value, age and roof, your deductibles, claims and credit, and whether you add a car. In Phoenix, ZIP code averages for this house ran from $411 to $492 a month, while insurers’ Phoenix averages ran from $135 to $1,379.

If prices stayed where they are today, the $2,068-a-year gap between the lowest and highest averages among the insurers anyone can buy from in Phoenix, other than Liberty Mutual, which priced far above the rest, would add up to $10,340 over five years for this house.

Same house, different city: how does Phoenix compare?

The same sample home costs $444 a month in Phoenix, $182 in Surprise, $191 in Gilbert, $192 in Glendale, $195 in Chandler, $202 in Tucson, $215 in Scottsdale and $290 in Mesa, the 8 Arizona cities in our data with at least 5 ZIP codes.

Same sample home: average home insurance prices in Phoenix, other Arizona cities and the state (rates as of Sept. 30, 2026)

Each city covers the ZIP codes in our rate data with that city as their main mailing address; every row prices the same house.

Phoenix has the highest average of these Arizona cities; Surprise, the lowest, averages $182 a month, 59.1% less for the same house.

Compared with Tucson, the Arizona city with the most ZIP codes in our data after Phoenix (29), the same house costs 119.9% more to insure in Phoenix.

Across the U.S., 215 of the other 291 cities in our data with at least 5 ZIP codes priced have a lower average for this house than Phoenix, and 76 a higher one.

For the statewide picture, see home insurance costs in Arizona, Tucson home insurance costs and Mesa home insurance costs.

Compare all states: home insurance costs for the same house in all 50 states and D.C.

How much is homeowners insurance on a $300,000 house in Phoenix?

For a house with $300,000 of rebuilding coverage and a $1,000 deductible, homeowners insurance in Phoenix averages $444 a month ($5,326 a year) across the 5 insurers we compared in 41 ZIP codes (rates as of Sept. 30, 2026). That’s 68.5% above the $263-a-month Arizona average for the same house. Insurers’ averages for that same house ran from $135 to $1,379 a month. Without Liberty Mutual, which priced far above the rest, the average would be $210 a month.

Why your Phoenix quote may differ from these prices

Use our one-house figures as a starting point when you compare homeowners insurance quotes for yours.

Your roof: Our sample house has a composition roof, and we priced it without a roof age. Insurers often charge more for older roofs, so ask how your roof’s age and material change your quote.

Your claims and credit: a recent claim, or weaker credit where an insurer uses it, can push a Phoenix quote above the $444 a month our claim-free, good-credit owner averages.

Your deductibles: our house has one $1,000 deductible for covered losses other than a hurricane. If your policy has a separate percentage deductible for wind and hail, your premium and your out-of-pocket cost after a storm will both differ from ours.

Why is homeowners insurance so expensive in Phoenix?

For our sample house, Phoenix is the most expensive of the 8 Arizona cities in our data with at least 5 ZIP codes, and 71.7% above the average of the 50 states and D.C. Our figures don’t separate causes; these official records show what Phoenix homes face.

One reason in our data: Liberty Mutual’s average for our sample home, $1,379 a month, is about 6.6 times the other insurers’ average; without it, Phoenix would average $210 a month.

On Aug. 9, 2026, storm winds gusting as high as 84 mph in Buckeye, west of Phoenix, uprooted large trees, snapped power poles and left over 50,000 customers without power across the Phoenix area, according to the National Weather Service.

In October 2025, storms from the remnants of two tropical cyclones put 3.26 inches of rain on Phoenix Sky Harbor Airport, making it the third wettest October on record, the National Weather Service says.

How to find cheaper home insurance in Phoenix

For our sample home, insurers’ Phoenix averages ran from $1,622 to $16,545 a year. These are the levers you control; how much each one moves a quote depends on the insurer and the house, and none of them comes with a promised price.

Compare at least three insurers: even one insurer’s price moves a lot by address: Allstate’s for our sample home ran from $2,789 to $6,438 a year depending on the Phoenix ZIP code.

Price two deductibles: ask each insurer for the premium at your current deductible and one step higher, and keep any percentage wind and hail deductible in dollars in mind (2% of $300,000 is $6,000, about 14 months of Phoenix’s $444-a-month average premium).

Ask about a tougher roof and safety devices: impact-resistant roofing, smoke detectors, burglar alarms and dead-bolt locks are common discounts to ask about.

Bundle with care: some insurers take roughly 5% to 15% off when you buy home and car insurance together, the Insurance Information Institute says; compare both ways before you decide.

Keep the coverage you need: insuring at least 80% of the rebuilding cost protects you on partial losses, so a lower price that comes from a lower limit can cost you after a large claim.

Guard a clean record: our sample owner has no claims in 10 years, and the $444-a-month Phoenix average assumes that clean record; a recent claim can raise a quote.

How much is renters insurance in Phoenix?

Renters insurance for our sample renter averages $32 a month ($385 a year) in Phoenix. For our sample renter, prices among the 4 insurers we compared ranged from $14 to $61 a month, a $47-a-month gap for the same coverage.

Renters insurance averages by insurer in Phoenix for our sample renter (rates as of Sept. 30, 2026)

USAA (military families only) averaged $14 a month ($166 a year), State Farm $16 ($194), Farmers $37 ($445) and Liberty Mutual $61 ($736) for our sample renter.

We don’t name a lowest renters insurer in Phoenix (the methodology explains when we do); the renters table above lists every insurer’s average for the same renter, from $14 to $61 a month.

Liberty Mutual’s renters average is about 2.7 times the other insurers’ average; without it, Phoenix’s renters average would be $22 a month ($268 a year).

For renters insurance, Phoenix is the most expensive of the 8 Arizona cities in our data with at least 5 ZIP codes: its average is 16.0% above the Arizona renters average of $332 a year ($28 a month) and 50.4% above the average of the 50 states and D.C., $256 a year ($21 a month). Among the 292 U.S. cities in our data with at least 5 ZIP codes priced, 272 have a lower renters average for our sample renter than Phoenix, 19 a higher one. Our sample renter’s policy costs about 7% of what our sample home costs to insure in Phoenix.

For the same insurers and ZIP codes, the Phoenix renters average rose 2.7% since Nov. 2025, from $31 to $32 a month, as Farmers’ rose 10.1% and the other insurers’ prices didn’t change.

By ZIP code, the Phoenix renters average for our sample renter ran from $28 a month in 85083 to $34 in 85035. Of the 41 ZIP codes, 27 averaged more than the city’s $32 a month for our sample renter, 9 less and 5 the same.

Our sample renter lives in an apartment built in 2005 and insures $40,000 of belongings with $300,000 liability and a $1,000 deductible. The renter is 40, single, with good credit and no claims. Rates as of Sept. 30, 2026, from 164 sample prices by 4 insurers across 41 Phoenix ZIP codes.

• $40K belongings
• $300K liability
• $1,000 deductible

What does renters insurance cover in a Phoenix apartment?

Your landlord’s insurance is for the building; a renters policy is for your belongings and your liability. The policy we priced pays up to $40,000 for belongings after a covered fire, storm or burglary and $300,000 if you’re responsible for someone’s injury or property damage. In Phoenix, that package averages $32 a month; flood and earthquake damage need separate coverage.

How we got these renters prices: each insurer’s average across the 41 Phoenix ZIP codes in our data. Sample prices, not quotes or offers.

You may also want to compare: car + home insurance in Phoenix

Many Phoenix homeowners insure a car too. Some insurers take roughly 5% to 15% off when you buy home and car insurance from them together (Insurance Information Institute), but the same insurer has to write both policies, and buying both from one insurer isn’t always the lower-priced choice, so compare both ways.

See car insurance rates in Phoenix · Arizona car insurance rates · How bundling home and auto insurance works