Best & Cheapest Homeowners Insurance in Mesa, AZ For April, 2024

Nationwide offers the lowest-cost home insurance for homeowners in Mesa, with an average yearly premium of $1,098.

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Bob Phillips
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After conducting a thorough review of home insurance providers in Mesa, Arizona, we’ve found that Nationwide stands out as the most cost-effective option, with an average annual premium of $1,098. However, it’s important to note that the best insurer for you can vary depending on your specific circumstances and needs.

For instance, if your credit score is lower, Nationwide remains the most affordable choice, with an average yearly premium of $1,782. On the other hand, for owners of older homes, State Farm offers competitive rates at $1,370 annually, along with comprehensive coverage.

Conversely, for owners of newly constructed homes, USAA emerges as the most economical option, charging $917 per year. And for individuals with a history of claims, Chubb provides an affordable solution at $1,996 annually, while also being understanding of your situation.

Lastly, if you have valuable personal property that requires protection, State Farm remains the recommended choice, providing extensive coverage at a reasonable rate of $1,264 per year.

Our comprehensive analysis at Insuranceopedia is designed to assist you in finding the perfect match for your home insurance needs. We evaluate customer ratings, review personal experiences, and offer comparison charts to provide you with all the necessary information to make a well-informed decision.

How much is homeowners insurance in Mesa, AZ?

Nationwide offers the most affordable homeowners insurance rate in Mesa, with an annual cost of $1,098.

As indicated below, insurance rates in Mesa are higher than the national average but slightly lower than the average rates for the state of Arizona.

Area Average Monthly Rate
National $1,820
Arizona $1,972
Mesa $1,955

Understanding that insurance rates are not standardized is crucial because they can vary significantly based on various factors.

For instance, your personal driving history is a key factor. Having a history of traffic violations or accidents generally results in higher insurance costs compared to maintaining a clean driving record. Additionally, the type and model of your vehicle are significant considerations, as luxury or high-performance cars typically come with higher insurance expenses.

Your location also plays a role in determining your insurance rates, with urban areas often facing higher premiums due to increased risks of theft or accidents in densely populated regions. Furthermore, factors such as your age and marital status can influence the amount you pay for car insurance.

Cheapest Homeowners Insurance in Mesa, AZ 2024

Our Methodology

In our search for the most affordable home insurance rates in Mesa, we conducted an analysis using data from various home insurance review platforms. These platforms gathered rates from public filings acquired through Quadrant Information Services, and we calculated an average of these rates for our evaluation. However, it's essential to understand that rates from each company can change frequently and may vary based on your individual circumstances. Furthermore, our overall rating includes my subjective assessment. This evaluation is based on my fifteen years of experience as a licensed insurance agent and over three decades of purchasing home insurance.

66

Quotes Analyzed

15+

Years Of Industry Experience

24

Brands Reviewed

40+

Research Hours

Cheapest homeowners insurance in Mesa, AZ

Nationwide stands out as the top choice for affordable homeowners insurance in Mesa, Arizona, with an average annual rate of $1,098.

Company Annual Premium
Nationwide $1,098
State Farm $1,245
Chubb $1,278
Allstate $1,884
Travelers $3,290

Your insurance premium is influenced by several factors, including your location, home value, and claims history. Nationwide offers a balanced combination of affordability and comprehensive coverage options.

Cheapest Homeowners Insurance In Mesa If You Have an Older Home

If you own an older home, State Farm offers the most economical rates, averaging $1,370 per year.

Insurance Company Average Annual Premium
State Farm $1,370
Farmers $1,540
Allstate $1,782
Progressive $1,956
Travelers $6,198

Older homes often come with unique risks and maintenance challenges that can lead to higher insurance costs. However, State Farm offers competitive rates and comprehensive coverage specifically designed to address the needs associated with older homes.

Cheapest Homeowners Insurance If You Have Poor Credit

Nationwide offers the most affordable option for individuals with poor credit scores, with an average annual rate of $1,782.

Insurance Company Average Annual Premium
Nationwide $1,782
USAA $2,560
Chubb $2,639
Allstate $3,778
Travelers $10,567

Your credit score plays a significant role in determining your insurance rates, as insurers use it to evaluate risk. Nationwide understands the importance of offering fair coverage to everyone, regardless of their financial situation.

Cheapest Homeowners Insurance for Newly Constructed Homes

If you’ve recently bought a newly constructed home, USAA offers the most affordable option, with an average annual rate of $917.

Insurance Company Average Annual Premium
USAA $917
State Farm $1,040
Chubb $1,097
Allstate $1,231
Auto-Owners $3,620

Newly constructed homes often require unique coverage compared to older properties, and USAA excels in providing affordable policies tailored to meet these specific requirements.

Cheapest Home Insurance Rates for Lots of Personal Property

If you own a significant amount of personal property, State Farm offers the most budget-friendly rates, averaging $1,264 per year.

Insurance Company Average Annual Premium
State Farm $1,264
Farmers $1,582
Chubb $1,690
Allstate $1,931
Country Financial $2,752

As your personal property expands, your coverage needs also increase, which can result in higher premiums. However, State Farm provides comprehensive coverage at fair rates, ensuring that all your belongings are adequately protected.

Cheapest Home Insurance In Mesa for a History of Claims

For homeowners with a history of claims, Chubb provides a budget-friendly solution, with an average annual rate of $1,996.

Insurance Company Average Annual Premium
Chubb $1,996
Nationwide $2,645
Allstate $3,002
Farmers $3,186
Travelers $5,206

Having a history of claims can indicate increased risk for insurers, often leading to higher premiums. However, Chubb believes in providing second chances and offers reasonable rates for individuals with previous claims.

Best Homeowners Insurance Companies in Mesa, AZ

Choosing the right home insurance isn’t just about necessity; it’s a strategic decision. Mesa’s homes are diverse, just like its residents. Therefore, finding an insurance provider that offers thorough coverage at competitive rates is crucial.

To simplify your decision-making process, we’ve compiled a list of the top home insurance companies in Mesa, Arizona. These companies were evaluated based on their yearly premiums, coverage options, customer satisfaction ratings, and overall reliability. Take a look at our comparison chart below to find the best fit for your home insurance needs.

Company Annual Premium
Nationwide $1,098
State Farm $1,245
Chubb $1,278
Allstate $1,884
Travelers $3,290
MetLife $1,407
Farmers $1,530
Auto-Owners $5,621

Average Home Insurance Rates by Zip Codes

The price of home insurance in Mesa, Arizona, can differ significantly depending on the zip code. Below are tables displaying rates for various zip codes, including the least and most expensive ones for yearly premiums.

ZIP Code Average Insurance Premium (Annual)
85209 $1,248
85212 $1,254
85207 $1,265
85201 $1,439
85202 $1,407
85204 $1,399

Cheapest Zip Codes

ZIP Code Average Insurance Premium (Annual)
85209 $1,248
85212 $1,254
85207 $1,265

Most Expensive Zip Codes

ZIP Code Average Insurance Premium (Annual)
85201 $1,439
85202 $1,407
85204 $1,399

Average Home Insurance Rates in Mesa, AZ by Deductible Amount

The deductible amount you select for your homeowners insurance policy has a significant impact on premium rates in Mesa, AZ. Here’s how average home insurance rates vary based on different deductible amounts:

Deductible Annual Rate
$500 $1,399
$1,000 $1,278
$1,500 $1,192
$2,000 $1,117
$5,000 $930

Average Home Insurance Rates in Mesa AZ By Coverage Amount

The dwelling coverage amount is a crucial factor influencing your premium, representing the maximum sum your insurance company will pay to rebuild or repair your home in case of damage or destruction.

Here’s a comparison chart illustrating the average annual homeowners insurance premiums for various dwelling coverage amounts.

Dwelling Coverage Amount Average Annual Premium
$200,000 $1,084
$250,000 $1,263
$300,000 $1,463
$350,000 $1,612
$400,000 $1,788

Average Home Insurance Rates in Mesa AZ by Company

Here’s a comparison of annual premiums from some of the leading insurance companies in Mesa.

Company Annual Premium
Nationwide $1,098
State Farm $1,245
Chubb $1,278
Allstate $1,884
Travelers $3,290
MetLife $1,407
Farmers $1,530
Auto-Owners $5,621

How Much is Homeowners Insurance for Other Cities in Arizona?

Here’s a detailed comparison chart displaying the most budget-friendly insurance companies and their annual premiums across different cities in Arizona.

City Annual Premium
Scottsdale $1,938
Phoenix $2,365
Tucson $1,710
Glendale $1,878

Getting Online Homeowners Insurance Quotes in Arizona

Platforms like Insuranceopedia simplify the task of finding customized coverage that fits your requirements with minimal effort. By providing quick online quotes from reputable insurers, Insuranceopedia allows you to easily compare rates.

All you need to do is enter your information, and we’ll take care of the rest by presenting a range of options tailored to your needs. This empowers you to confidently choose a policy that offers excellent value, striking the right balance between cost and comprehensive coverage.

FAQs

Who has the cheapest home insurance in Mesa, AZ?

Nationwide provides the least expensive homeowners insurance in Mesa, Arizona, with an annual premium of $1,098.

What is the average cost of home insurance in Mesa, AZ?

On average, homeowners insurance in Mesa, Arizona, costs approximately $1,955 per year.

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