Tucson, the second-largest city in Arizona, experiences a diverse range of weather conditions, from intense summer heat to occasional wildfires in nearby regions. Below is a guide to understanding how home insurance costs in Tucson are impacted by these factors, along with a comparison to the national average.
The national average cost of home insurance is $1,400 per year. In Tucson, however, the average premium is slightly higher at $1,300 per year, due to the city’s susceptibility to wildfires and the risks associated with aging homes in some areas.
| Home Age | Average Annual Premium |
|---|---|
| 0-10 years | $1,200 |
| 10-20 years | $1,300 |
| 20-30 years | $1,350 |
| 30+ years | $1,450 |
Newer homes are typically less expensive to insure in Tucson due to modern construction standards that help mitigate damage from natural disasters. On the other hand, homes over 30 years old often face higher premiums because of the increased likelihood of repairs or replacement for older systems.
Here is a breakdown of home insurance rates by credit score in Tucson:
Below are some of the cheapest home insurance companies in Tucson and their average annual premiums:
Your choice of deductible directly affects your premium. Below is a breakdown of average annual premiums based on your deductible:
Chandler: Chandler offers more affordable premiums at $1,200/year.
Phoenix: Tucson’s average premium is slightly higher than Phoenix, where homeowners pay an average of $1,250/year.
Mesa: Mesa has comparable rates at $1,250/year.
