Compare average insurance rates in Buckeye for 2026
🏠
Home
$2030
/year
🚗
Auto
$1930
/year
🏥
Health
$479
/month
💰
Life
$23
/month
🏢
Renters
$17
/month
Home Insurance in Buckeye, AZ
The average cost of homeowners insurance in Buckeye, Arizona is $2,030 per year in 2026. This compares to the state average of $2,050 per year.
$2,030per year (avg in Buckeye)
$1287AZ avg: $2,050$2871
Factors Affecting Home Insurance in Buckeye
🏠
Home Value Average: $380,000
🌪
Weather Risk medium
🌊
Flood Zone 4% of properties
📈
Cost Index 0.99 (100 = national avg)
Home Insurance Coverage Comparison
Coverage Tier
Dwelling Coverage
Personal Property
Liability
Est. Annual Cost
Basic (HO-1)
$304,000
$152,000
$100,000
$1,522
Standard (HO-3)
$380,000
$190,000
$300,000
$2,030
Premium (HO-5)
$475,000
$285,000
$500,000
$2,740
Auto Insurance in Buckeye, AZ
The average annual cost of auto insurance in Buckeye is $1,930, compared to the Arizona state average of $1,950.
$1,930per year (avg in Buckeye)
$1188AZ avg: $1,950$2772
📋
Minimum Coverage in Arizona: 25/50/15
Auto Insurance Coverage Comparison
Coverage Level
Liability
Collision
Comprehensive
Est. Annual Cost
Liability Only
State Minimum
None
None
$1,061
Full Coverage
100/300/100
$500 deductible
$500 deductible
$1,930
Premium
250/500/250
$250 deductible
$250 deductible
$2,509
Health Insurance in Buckeye, AZ
The average monthly health insurance premium in Buckeye is $479 per month. Costs vary significantly based on plan tier, age, tobacco use, and household size.
$479per month (avg individual plan)
Health Insurance Plan Tiers
Plan Tier
Avg Monthly Premium
Typical Deductible
Out-of-Pocket Max
Best For
Bronze
$344
$7,000
$9,100
Healthy, low usage
Silver
$479
$4,500
$9,100
Moderate usage
Gold
$598
$1,650
$8,700
Regular medical needs
Platinum
$718
$0
$4,500
High usage / families
Life Insurance & Renters Insurance in Buckeye
💰 Life Insurance
$23
per month (20-year term, $500K)
Life insurance rates in Arizona are based on age, health, and coverage amount. A healthy 35-year-old can expect to pay around $23/mo for a 20-year term policy with $500,000 coverage.
🏢 Renters Insurance
$17
per month (avg in Buckeye)
Renters insurance in Buckeye covers personal belongings, liability, and additional living expenses. The state average is $/mo. Most policies include $30K–$50K in personal property coverage.
Insurance Cost Calculator for Buckeye
Estimate your total annual insurance costs based on your personal profile.
The average home insurance cost in Buckeye, AZ is $2,030 per year for a standard HO-3 policy. Rates range from $1,287 to $2,871 depending on your home value, coverage level, deductible, and specific risk factors.
The average auto insurance premium in Buckeye is $1,930 per year for full coverage. Liability-only coverage averages around $868 per year. Arizona requires minimum coverage of 25/50/15.
Insurance costs in Buckeye are close to the national average (cost index: 0.99). Home insurance averages $2,030/yr and auto insurance $1,930/yr. Relatively moderate costs reflect the area's manageable risk profile.
Key factors include: local cost of living (index: 0.99), moderate natural disaster risk, average home values ($380,000), your personal claims history, credit score, and at-fault insurance laws in Arizona.
Top strategies: bundle home and auto (save 10-25%), raise deductibles, maintain good credit, compare quotes from 3+ insurers annually, and ask about available discounts. Buckeye residents can potentially save $792+ per year.
Arizona requires minimum auto liability coverage of 25/50/15 (bodily injury per person / per accident / property damage in thousands). This is the legal minimum, but most experts recommend higher limits for adequate protection.
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