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

Nationwide offers the cheapest homeowners insurance to homeowners in Scottsdale, with an average annual quote of $1,077.

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Updated: 19 April 2024
Written by
Bob Phillips
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In our comprehensive review of homeowners insurance providers in Scottsdale, AZ, Nationwide emerges as the most budget-friendly option, with average annual rates of $1,077. However, keep in mind that the best insurer for you may vary based on your unique circumstances and requirements.

For instance, if your credit score has taken a hit, Nationwide again stands out as the most economical choice with an average annual premium of $2,226. In contrast, if your home is on the older side, Allstate rises to the top with its competitive rates of $1,595 per year, and comprehensive coverage.

On the other hand, if you’re the proud owner of a newly constructed home, State Farm offers the most cost-effective solution at $1,001 per year. And for those who’ve had a history of claims, Progressive provides an affordable and understanding solution at $2,421 per annum.

Last, if you possess a wealth of personal property that needs protection, Chubb proves to be your best bet, offering extensive coverage at a reasonable $1,425 per year.

Our in-depth analysis at Insuranceopedia is designed to guide you toward the perfect fit for your homeowners insurance needs. By comparing customer ratings, analyzing personal experiences, and presenting comparison charts, we will provide you with all the information necessary to make an informed decision.

How much is homeowners insurance in Scottsdale, AZ?

Nationwide offers the most affordable rate for homeowners insurance in Scottsdale, at $1,077 annually.

As you can see below, rates in Scottsdale are more expensive than the National average. However, the rates are slightly lower than the Arizona State average.

Area Average Monthly Rate
National $1,820
Arizona $1,972
Scottsdale $1,938

It’s important to understand that rates are not a one-size-fits-all matter. They can fluctuate significantly based on a myriad of factors.

Cheapest Homeowners Insurance in Scottsdale, AZ 2024

Cheapest Homeowners Insurance in Scottsdale, 2024

Our Methodology

To find the cheapest home insurance rates in Scottsdale, we analyzed findings from numerous home insurance review sites, some of which analyzed rates from public filings obtained by Quadrant Information Services. We’ve used an average of those rates for this review, but each company’s rates change frequently and will vary based on your situation. Also factored into the overall rating is my subjective opinion based on fifteen years of experience as a licensed insurance agent and over three decades of purchasing home insurance.

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Quotes Analyzed

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Years Of Industry Experience

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Brands Reviewed

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Research Hours

Cheapest homeowners insurance in Scottsdale, AZ

Nationwide emerges as the cheapest overall option for homeowners insurance in Scottsdale, AZ, with an average annual rate of $1,077.

Company Annual Premium
Nationwide $1,077
Chubb $1,316
State farm $1,330
Allstate $1,839
Auto-Owners $5,356

The cost of your policy is influenced by many factors, including location, home value, and your claims history. Nationwide offers a balanced blend of affordability and comprehensive coverage.

Cheapest Homeowners Insurance In Scottsdale If You Have an Older Home

For those with older homes, Allstate offers the cheapest rates, averaging $1,595 per year.

Insurance Company Average Annual Premium
Allstate $1,595
Farmers $1,938
Progressive $2,146
Country Financial $4,647
Travelers $5,335

Older homes often come with unique risks and maintenance issues, which can drive up insurance costs. Allstate offers competitive rates and comprehensive coverage tailored to meet the needs of older homes.

Cheapest Homeowners Insurance If You Have Poor Credit

If your credit score is poor, Nationwide provides the most affordable solution, with an average annual rate of $2,226.

Insurance Company Average Annual Premium
Nationwide $2,226
USAA $2,537
Chubb $2,692
Allstate $3,578
State Farm $3,011

Your credit score can significantly impact your insurance rates as it’s a key factor insurers consider when calculating risk. Nationwide understands that everyone deserves fair coverage, regardless of their financial past.

Cheapest Homeowners Insurance for Newly Constructed Homes

If you’re the proud owner of a newly constructed home, State Farm offers the most cost-effective solution, with an average annual rate of $1,001.

Insurance Company Average Annual Premium
Chubb $1,001
Farmers $1,014
Travelers $2,294
Allstate $1,310
Auto-Owners $3,821

New constructions often require different coverage compared to older homes, and State Farm excels in providing affordable policies tailored to these specific needs.

Cheapest Home Insurance In Scottsdale for a History of Claims

For homeowners with a history of claims, Progressive provides an affordable solution, with an average annual rate of $2,421.

Insurance Company Average Annual Premium
Progressive $2,421
Chubb $2,567
Farmers $2,708
Nationwide $2,970
Allstate $3,011

A history of claims can raise red flags for insurers, often leading to higher premiums. However, Progressive believes in second chances and offers reasonable rates for those with past claims.

Cheapest Home Insurance Rates for Lots of Personal Property

If you have a wealth of personal property, Chubb offers the cheapest rates, with an average annual rate of $1,425.

Insurance Company Average Annual Premium
Chubb $1,425
State Farm $1,446
Allstate $1,988
Travelers $3,494
Auto-Owners $5,808

The more personal property you have, the higher your coverage needs, which can increase premiums. Chubb provides extensive coverage at reasonable rates, ensuring all your belongings are adequately protected.

Best Homeowners Insurance Companies in Scottsdale, AZ

Choosing the right homeowners insurance is not just a necessity; it’s a strategic decision. With a rich history, Scottsdale’s homes are as unique as its residents. Therefore, finding an insurance provider that offers comprehensive coverage at competitive rates becomes paramount.

To make your decision-making process easier, we’ve compiled a list of the top homeowners insurance companies in Scottsdale, AZ. These companies have been assessed based on their annual premiums, coverage options, customer satisfaction ratings, and overall reliability. Take a look at our comparison chart below and find the perfect fit for your home insurance needs.

Company Annual Premium
Travelers $3,217
USAA $1,109
State farm $1,330
Allstate $1,839
AAA $2,309
Nationwide $1,077
Chubb $1,316
Auto-Owners $5,356

Average Home Insurance Rates by Zip Codes

The cost of homeowners insurance in Scottsdale, AZ can vary significantly based on the zip code. Below are tables showcasing rates for different zip codes in Scottsdale, along with the five cheapest and most expensive zip codes in the area for annual home insurance premiums.

ZIP Code Average Insurance Premium (Annual)
85255 $1,581
85254 $1,866
85260 $1,861
85251 $1,571
85262 $1,543
85250 $1,818
85266 $1,557
85258 $1,504

Cheapest Zip Codes

ZIP Code Average Insurance Premium (Annual)
85258 $1,504
85266 $1,557
85262 $1,543
85255 $1,581
85251 $1,571

Most Expensive Zip Codes

ZIP Code Average Insurance Premium (Annual)
85256 $1,756
85250 $1,818
85260 $1,861
85254 $1,861
85229 $1,650

Average Home Insurance Rates in Scottsdale, AZ by Deductible Amount

The deductible amount chosen for a homeowners insurance policy significantly affects the premium rates in Scottsdale, AZ. Here’s how the average home insurance rates fluctuate for different deductible amounts:

Deductible Amount Annual Rate
$500 $1,418
$1,000 $1,283
$1,500 $1,212
$2,000 $1,138
$5,000 $940

Average Home Insurance Rates in Scottsdale, AZ By Coverage Amount

One of the key components that influences your premium is the dwelling coverage amount. This is the maximum amount your insurance company will pay to rebuild or repair your home if it’s damaged or destroyed.

Let’s take a closer look at a comparison chart that outlines the average annual homeowners insurance premiums for different dwelling coverage amounts.

Dwelling Coverage Amount Average Annual Premium
$200,000 $1,254
$250,000 $1,438
$300,000 $1,643
$350,000 $1,876
$400,000 $2,193

Average Home Insurance Rates in Scottsdale, AZ by Company

Here’s a comparison table showcasing annual premiums from some of the top providers in Scottsdale:

Company Annual Premium
Travelers $3,217
USAA $1,109
State farm $1,330
Allstate $1,839
AAA $2,309
Nationwide $1,077
Chubb $1,316
Auto-Owners $5,356

How Much is Homeowners Insurance for Other Cities in Arizona?

The following is a  detailed comparison chart that showcases the cheapest  annual premiums across various cities in Arizona.

City Annual Rate
Glendale $1,927
Phoenix $2,365
Mesa $1,955
Tucson $1,710
Chandler $1,788
Catalina Foothills $1,138

Getting Online Homeowners Insurance Quotes in Arizona

With informative sites like Insuranceopedia, finding the best coverage for your unique needs is just a few clicks away. By providing quick online quotes from a variety of top-rated insurers, Insuranceopedia helps you to compare rates at a glance.

Just input your details and let us do the hard work, presenting you with a range of options tailored to your requirements. This way, you can confidently choose a policy that offers the highest value, balancing cost with comprehensive coverage.

FAQs

Who has the cheapest home insurance in Scottsdale, AZ?

The cheapest home insurance in Scottsdale, Arizona, is provided by Nationwide, with an annual premium of $1,077

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

The average cost of homeowners insurance in Scottsdale, Arizona, is approximately $1,938 per year.

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