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

State Farm offers the cheapest home insurance option for Tucson homeowners, averaging around $1,178 per year.

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Updated: 19 April 2024
Written by
Bob Phillips
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After thoroughly evaluating home insurance providers in Tucson, Arizona, we found that State Farm stands out as the most budget-friendly option, with an average annual premium of $1,178. However, it’s important to note that the best insurer for you can vary based on your individual circumstances and needs.

For instance, if your credit score has been affected, Nationwide is the most economical choice, with an average yearly premium of $1,670. Conversely, for owners of older homes, State Farm offers competitive rates at $1,272 annually, along with comprehensive coverage.

On the other hand, for owners of newly constructed homes, USAA proves to be the most affordable option, charging $813 per year. And for individuals with a claims history, Chubb provides an affordable solution at $1,982 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 $1,240 per year.

Our detailed analysis at Insuranceopedia aims to assist you in finding the perfect match for your home insurance needs. We consider 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 Tucson, AZ?

In Tucson, State Farm offers the most affordable homeowners insurance, with an annual cost of $1,178.

As indicated below, the insurance rates in Tucson are lower than both the national average and the average rates for the state of Arizona.

Area Average Monthly Rate
National $1,820
Arizona $1,972
Tucson $1,710

Recognizing that insurance rates aren’t uniform is essential because they can vary significantly based on several factors.

Cheapest Homeowners Insurance in Tucson, AZ 2024

Our Methodology

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

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Quotes Analyzed

15+

Years Of Industry Experience

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Brands Reviewed

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Research Hours

Cheapest homeowners insurance in Tucson, AZ

State Farm is the leading option for affordable homeowners insurance in Tucson, Arizona, with an average annual rate of $1,178.

Company Annual Premium
State Farm $1,178
Chubb $1,215
Farmers $1,403
Allstate $1,899
Travelers $3,060

Your insurance premium is influenced by multiple factors including your location, the value of your home, and your claims history. State Farm offers a balanced blend of affordability and comprehensive coverage options.

Cheapest Homeowners Insurance In Tucson If You Have an Older Home

For homeowners with older properties, State Farm offers the most economical rates, averaging $1,272 per year.

Insurance Company Average Annual Premium
State Farm $1,272
Farmers $1,368
Allstate $1,564
Progressive $1,970
Travelers $4,630

Older homes often come with unique risks and maintenance challenges that can lead to higher insurance expenses. Nevertheless, State Farm offers competitive rates and comprehensive coverage tailored to address the specific needs associated with older homes.

Cheapest Homeowners Insurance If You Have Poor Credit

Nationwide offers the most budget-friendly option for individuals with poor credit scores, providing an average annual rate of $1,670.

Insurance Company Average Annual Premium
Nationwide $1,670
State Farm $2,180
Allstate $2,420
Chubb $2,661
Auto-Owners $9,530

Your credit score plays a significant role in determining your insurance rates, as insurers utilize it to evaluate risk. Nationwide acknowledges the importance of offering fair coverage to all individuals, 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 $813.

Insurance Company Average Annual Premium
USAA $813
State Farm $1,016
Chubb $1,078
Allstate $1,344
Auto-Owners $2,814

Newly constructed homes often require different coverage compared to older properties, and USAA stands out in providing affordable policies tailored to meet these specific needs.

Cheapest Home Insurance Rates for Lots of Personal Property

If you own a significant amount of personal property, State Farm offers the most economical rates, averaging $1,240 per year.

Insurance Company Average Annual Premium
State Farm $1,240
Farmers $1,456
Chubb $1,599
Allstate $2,011
Travelers $3,548

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

Cheapest Home Insurance In Tucson for a History of Claims

For homeowners with a history of claims, Chubb provides a cost-effective solution, offering an average annual rate of $1,982.

Insurance Company Average Annual Premium
Chubb $1,982
Nationwide $2,503
Allstate $2,788
Country Financial $2,957
Travelers $4,890

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 Tucson, AZ

Choosing the right homeowners insurance isn’t merely a matter of necessity; it’s a strategic decision. Tucson’s homes, rich in history, are as unique as its residents. Therefore, finding an insurance provider that offers comprehensive coverage at competitive rates becomes crucial.

To simplify your decision-making process, we’ve compiled a list of the top homeowners insurance companies in Tucson, Arizona. These companies were assessed based on their annual premiums, coverage options, customer satisfaction ratings, and overall reliability. Take a look at our comparison chart below to identify the perfect match for your home insurance needs.

Company Annual Premium
State Farm $1,178
Chubb $1,215
Farmers $1,403
Allstate $1,899
USAA $1,189
Country Financial $1,830
Travelers $3,060
Auto Owners $4,199

Average Home Insurance Rates by Zip Codes

Home insurance prices in Tucson, AZ can differ significantly based on the zip code. Below are tables displaying rates for various zip codes, including both the cheapest and most expensive ones for annual premiums.

ZIP Code Average Insurance Premium (Annual)
85705 $1,640
85719 $1,652
85746 $1,607
85730 $1,637
85756 $1,608

Cheapest Zip Codes

ZIP Code Average Insurance Premium (Annual)
85748 $1,579
85710 $1,609
85756 $1,608
85715 $1,604
85714 $1,628

Most Expensive Zip Codes

ZIP Code Average Insurance Premium (Annual)
85712 $1,670
85716 $1,655
85745 $1,667
85705 $1,640
85721 $1,678

Average Home Insurance Rates in Tucson, AZ by Deductible Amount

The deductible you opt for in your homeowners insurance policy has a significant impact on premium rates in Tucson, AZ. Here’s a breakdown of how average home insurance rates change depending on different deductible amounts:

Deductible Annual Rate
$500 $1,280
$1,000 $1,230
$1,500 $1,456
$2,000 $1,686
$5,000 $1,909

Average Home Insurance Rates in Tucson, AZ By Coverage Amount

The amount of dwelling coverage is a critical factor that affects your premium, representing the maximum sum your insurance company will pay to rebuild or repair your home if it’s damaged or destroyed.

Below is a comparison chart illustrating the average annual homeowners insurance premiums for various dwelling coverage amounts.

Dwelling Coverage Amount Average Annual Premium
$200,000 $1,237
$250,000 $1,424
$300,000 $1,640
$350,000 $1,879
$400,000 $2,008

Average Home Insurance Rates in Tucson, AZ by Company

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

Company Annual Premium
State Farm $1,178
Chubb $1,215
Farmers $1,403
Allstate $1,899
USAA $1,189
Country Financial $1,830
Travelers $3,060
Auto Owners $4,199

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
Mesa $1,955
Glendale $1,878

Getting Online Homeowners Insurance Quotes in Arizona

Helpful platforms such as Insuranceopedia simplify the task of finding customized coverage to meet your needs with just a few clicks. By providing quick online quotes from top-rated insurers, Insuranceopedia allows you to easily compare rates.

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

FAQs

Who has the cheapest home insurance in Tucson, AZ?

State Farm provides the least expensive homeowners insurance in Tucson, Arizona, with an annual premium of $1,178.

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

On average, homeowners insurance in Tucson, Arizona, costs approximately $1,710 per year.

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