Average insurance rates across 76 cities in Arizona
| City | Population | Home /yr | Auto /yr | Health | Renters |
|---|---|---|---|---|---|
| Phoenix | 1,680,992 | $1,988 | $1,892 | $478/mo | $16/mo |
| Tucson | 542,629 | $1,906 | $1,814 | $475/mo | $16/mo |
| Mesa | 504,258 | $1,988 | $1,892 | $478/mo | $16/mo |
| Chandler | 275,987 | $2,030 | $1,930 | $479/mo | $17/mo |
| Gilbert | 267,918 | $2,030 | $1,930 | $479/mo | $17/mo |
| Glendale | 252,381 | $1,968 | $1,872 | $477/mo | $16/mo |
| Scottsdale | 241,361 | $2,276 | $2,164 | $488/mo | $19/mo |
| Peoria | 190,985 | $2,009 | $1,911 | $479/mo | $17/mo |
| Tempe | 185,038 | $2,050 | $1,950 | $480/mo | $17/mo |
| Surprise | 143,148 | $1,968 | $1,872 | $477/mo | $16/mo |
| Yuma | 135,389 | $2,030 | $1,930 | $479/mo | $17/mo |
| San Tan Valley | 101,207 | $2,030 | $1,930 | $479/mo | $17/mo |
| Goodyear | 97,542 | $2,030 | $1,930 | $479/mo | $17/mo |
| Buckeye | 95,042 | $2,030 | $1,930 | $479/mo | $17/mo |
| Prescott Valley | 93,923 | $2,030 | $1,930 | $479/mo | $17/mo |
Arizona residents pay an average of $2,050 per year for home insurance and $1,950 for auto insurance. Arizona follows an at-fault insurance system, meaning the driver who caused the accident is responsible for damages. The minimum auto liability coverage required is 25/50/15.
Health insurance in Arizona averages $480 per month for an individual Silver marketplace plan. The weather risk level is medium, with moderate natural disaster risk. Top insurance providers in Arizona include State Farm, Geico, Progressive.
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Policygenius The ZebraThe average home insurance cost in Arizona is $2,050 per year. Rates range from $1,300 to $2,900 depending on home value, location, and coverage level.
Auto insurance in Arizona averages $1,950 per year for full coverage. The state minimum coverage is 25/50/15.
Arizona has moderate insurance costs, with home insurance at $2,050/yr and auto at $1,950/yr compared to national averages of $2,300 and $1,800 respectively.
Arizona requires minimum liability coverage of 25/50/15 (bodily injury per person / per accident / property damage in thousands). It follows an at-fault system.
Last updated: March 2026. Insurance cost estimates are averages for informational purposes.