Arizona
Auto and home insurance in Arizona
State auto minimums, homeowners premium averages, and city guides for Arizona households. A quote is not a binder.
67% of Arizona households own their home, the median owner-occupied home is valued at $394,500, and 67% of workers drive to work alone (ACS 2020–2024). That makes auto and homeowners coverage the two policies most Arizona families need. Below: the state's auto minimums, average homeowners premiums, local risks, and city guides.
Arizona auto insurance requirements
Arizona requires liability limits of at least 25/50/15 ($ thousands of bodily injury per person / per accident / property damage). Other required coverage: none beyond liability. Most homeowners carry well above the minimum. Compare all ten states in our state minimums guide.
Average homeowners premiums in Arizona
The NAIC's 2023 average HO-3 premium in Arizona was $1,194, versus $1,737 countrywide. Averages climb with the amount of dwelling coverage.
| Dwelling coverage amount | Arizona average HO-3 premium (2023) | Countrywide average |
|---|---|---|
| Under $150,000 | $655 | $954 |
| $150,000–$199,999 | $881 | $1,192 |
| $200,000–$224,999 | $948 | $1,282 |
| $225,000–$249,999 | $975 | $1,297 |
| $250,000–$274,999 | $992 | $1,350 |
| $275,000–$299,999 | $1,010 | $1,414 |
| $300,000–$324,999 | $1,019 | $1,475 |
| $325,000–$349,999 | $1,066 | $1,492 |
| $350,000–$399,999 | $1,111 | $1,598 |
| $400,000–$449,999 | $1,179 | $1,679 |
| $450,000–$499,999 | $1,271 | $1,825 |
| $500,000–$599,999 | $1,402 | $1,973 |
| $600,000–$699,999 | $1,589 | $2,249 |
| $700,000–$999,999 | $2,114 | $2,916 |
| $1,000,000 and over | $2,983 | $4,314 |
| All amounts (state average) | $1,194 | $1,737 |
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Source: NAIC, Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner’s Insurance Report: Data for 2023, Table 4. Report (PDF).
How Arizona drives
Statewide, 67% of workers drive alone, 10% carpool, and 18% work from home. 14% commute 45 minutes or more, and 23% of households have three or more vehicles. Mileage, garaging location, and the number of drivers and cars all feed into auto pricing.
What moves a Arizona auto and home quote
- Driving records and the number of drivers and vehicles.
- Mileage and garaging, including commute length.
- Rebuild cost and the age of the roof and home systems.
- Local losses, especially monsoon dust storms and microbursts and extreme summer heat.
- Deductibles and limits on both policies.
- Claims history and other rating factors allowed in Arizona.
- Discounts such as multi-policy, multi-car, and protective devices.
City guides for Arizona
- Avondale
- Buckeye
- Bullhead City
- Casa Grande
- Chandler
- Flagstaff
- Gilbert
- Glendale
- Goodyear
- Lake Havasu City
- Marana
- Maricopa
- Mesa
- Oro Valley
- Peoria
- Phoenix
- Prescott
- Prescott Valley
- Queen Creek
- Scottsdale
- Sierra Vista
- Surprise
- Tempe
- Tucson
- Yuma
Guides
- Bundling auto and home insurance
- Minimum auto insurance requirements in our ten states
- What full coverage auto insurance really means
- Homeowners insurance coverage explained
- Personal umbrella insurance over your auto and home
- How to lower your auto and home insurance premiums
More Arizona communities
We accept quote requests from anywhere in Arizona. Other cities and towns, listed by county:
- Apache County — Eagar; Springerville; St. Johns
- Cochise County — Benson; Bisbee; Douglas; Huachuca City; Tombstone; Willcox
- Coconino County — Fredonia; Page; Tusayan; Williams
- Gila County — Globe; Hayden; Miami; Payson; Star Valley; Winkelman
- Graham County — Pima; Safford; Thatcher
- Greenlee County — Clifton; Duncan
- La Paz County — Parker; Quartzsite
- Maricopa County — Carefree; Cave Creek; El Mirage; Fountain Hills; Gila Bend; Guadalupe; Litchfield Park; Paradise Valley; Tolleson; Wickenburg; Youngtown
- Mohave County — Colorado City; Kingman
- Navajo County — Holbrook; Pinetop-Lakeside; Show Low; Snowflake; Taylor; Winslow
- Pima County — Sahuarita; South Tucson
- Pinal County — Apache Junction; Coolidge; Eloy; Florence; Kearny; Mammoth; Superior
- Santa Cruz County — Nogales; Patagonia
- Yavapai County — Camp Verde; Chino Valley; Clarkdale; Cottonwood; Dewey-Humboldt; Jerome; Sedona
- Yuma County — San Luis; Somerton; Wellton
Auto and home insurance in Arizona: FAQ
What is the minimum car insurance in Arizona?
Liability of 25/50/15. Other required coverage: none beyond liability.
What is the average homeowners premium in Arizona?
The NAIC reported a 2023 Arizona HO-3 average of $1,194, 7th highest of the ten states we cover; the countrywide average was $1,737.
Can I bundle auto and home in Arizona?
Yes, most insurers that write both offer a multi-policy discount. Compare the bundle with separate quotes.
Who regulates insurance in Arizona?
The Arizona Department of Insurance and Financial Institutions licenses insurers, handles complaints, and publishes consumer guides.
Sources
- NAIC, Compulsory Motor Vehicle Insurance model law chart (state statutes), reviewed against state insurance department guidance
- NAIC, Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner’s Insurance Report: Data for 2023, Table 4
- U.S. Census Bureau, American Community Survey 5-year estimates, 2020–2024 (tables B08301, B08303, B25044, B25003, B25077, B25035), via Census Reporter
- U.S. Census Bureau Vintage 2024 city population estimates
- Arizona Department of Insurance and Financial Institutions
Last updated October 15, 2026 · How we research