Affordable Home Insurance in Arizona
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What drives home insurance rates in Arizona
Average homeowners premium, 2023
$1,194
The average homeowners policy in Arizona cost $1,194 for a year of coverage in 2023, against $1,737 nationally.
Claims paid per premium dollar, 2023
70.3¢
Home insurers in Arizona paid 70.3 cents in claims for every premium dollar in 2023; the median state was 64 cents.
Severe weather events, 2024
94
NOAA logged 7 tornado, 22 large-hail and 65 flash-flood event reports in Arizona in 2024, counted per county or zone. Wind and hail claims fall on the homeowners policy; flood needs its own.
Natural-hazard loss rank
#10
FEMA ranks Arizona #10 of 51 for expected annual loss from natural hazards; flood accounts for 55% of that loss, and flood damage needs a separate flood policy.
- Average homeowners premium, 2023: NAIC Homeowners Insurance Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Severe weather events, 2024: NOAA Storm Events Database, 2024
- Natural-hazard loss rank: FEMA National Risk Index
Largest home insurers in Arizona
The ten insurer groups that wrote the most home premium in Arizona in 2025, with their share of the state total of $3.7 billion.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | State Farm Group | 17.98% | $660 million |
| 2 | United Services Automobile Association Group | 9.82% | $360 million |
| 3 | Farmers Insurance Group | 9.56% | $351 million |
| 4 | Allstate Insurance Group | 9.29% | $341 million |
| 5 | American Family Insurance Group | 9.19% | $338 million |
| 6 | Liberty Mutual Group | 8.8% | $323 million |
| 7 | Travelers Group | 6.95% | $255 million |
| 8 | Progressive Group | 2.9% | $106 million |
| 9 | Auto Owners Group | 2.31% | $85 million |
| 10 | Csaa Insurance Group | 1.94% | $71 million |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
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