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Home Insurance and Car Insurance in Arizona
Homeowners Insurance in Arizona
There are several things to keep in mind as you shop for home insurance in the Grand Canyon State, including your policy’s coverage type and the wide range of hazards faced by homes in Arizona.
Homeowners Insurance Coverage Options in Arizona
Arizona homeowners who are shopping for insurance should be aware of some key factors before they buy coverage. It’s important to know that there are two types of insurance available, named peril and all risk.
Named peril policies limit the covered causes of loss to those that are listed in the policy. All risk (also called comprehensive or open peril policies) cover losses from any cause as long as the loss is not specifically excluded in the policy. Commonly excluded losses include earthquake, flooding, nuclear disaster, war and government action. Common types of home insurance coverage included in most policies are:
Dwelling coverage,
which protects the structure of your home—including roof and walls
Personal property coverage
provides protection for belongings kept within your residence or on your property such as furniture, electronics, clothing and housewares, if they are damaged or destroyed by a covered peril
Personal liability coverage
, which provides protection in the event an accident occurring inside or outside your home results in injury or property damage and you are found legally responsible
Medical payments coverage
pays the medical bills of people who are accidentally hurt on your property, not including members of your own household
Additional living expenses coverage
that can help pay for increased expenses such as food, lodging and more if a covered loss renders your home uninhabitable
Common Causes of Loss in Arizona
Arizona homeowners enjoy beautiful views and a warm climate, but should know that the state is at a higher-than-average risk for several types of natural disasters. Common losses that lead to massive home insurance claims in Arizona include:
Wildfires:
Arizona sees several wildfires each year, which can lead to damage to land and homes.
Flooding:
Because of its dry climate, Arizona is at a high risk of flash floods. The desert ground can’t soak up water fast enough during heavy rains.
Water damage:
Heavy rains that cause flooding can also cause water damage to your home, especially if there are leaks in your roof, siding or windows. Blocked or obstructed drain lines and pipes can also lead to an increased risk of water damage.
Additional Coverage Options Recommended for Arizona Homeowners
It’s important to know if your home insurance policy pays for the full replacement cost or the actual cash value of a loss. Full replacement cost does not factor in depreciation, while actual cash value is based on the dollar amount the property could be sold for at the time of the claim, which is usually less than what it would cost to replace it. Some insurance policies require you to pay for an additional endorsement for full replacement cost. Other additional coverage you should consider includes:
Flood insurance:
Because flooding is not covered under most home insurance policies, you may want to consider buying flood-specific insurance. This coverage is available from either your insurance company or as part of the
National Flood Insurance Program (NFIP)
.
Wildfire coverage:
Most home insurance policies cover fire, but you may need to buy a separate policy if you live in an area at high risk for wildfires.
Service line coverage:
Many homeowners policies do not cover sewer lines outside of your home, making repairs costly. This coverage can help pay for damage to water pipes, cable lines and other service lines that extend into your home.
Water backup coverage:
A common addition to most insurance policies, this coverage can help pay for damage related to water backups caused by clogged sewer lines, backed up drains, failed sump pumps and malfunctioning appliances.
Our Home Insurance Partners in Arizona
What is the average home insurance cost in Arizona?
The average monthly cost of home insurance in Arizona among SelectQuote customers is $90.97.+ This is less than the national average of $158.1 Your Arizona home insurance rates will vary based on several factors, including:
Your ZIP code
Your coverage limits
Types of coverage you purchase
Your credit history
Homeowners Insurance Discounts in Arizona
Discounted home insurance rates are available in Arizona for a variety of reasons. It’s possible to see homeowners insurance discounts based on:
Age of your home
Installed home security systems
Fireproofing improvements
Length of time as a policyholder
Low number of claims filed
Choosing a higher deductible
Bundling your home and auto insurance coverage
Bundle Your Home and Auto Insurance to Save Money
Average Home and Auto Insurance Rates in Arizona
The rates listed below are real monthly insurance premiums paid by actual SelectQuote customers and represent average amounts in Arizona cities. Your rates will vary based on where you live, your credit score, the type of insurance you’ve purchased and other factors.
City | Avg. Monthly Home Insurance Rate | Avg. Monthly Auto Insurance Rate | Avg. Monthly Rate of Bundled Policies |
Chandler | $89.58 | $150.92 | $217.02 |
Gilbert | $106.60 | $137.79 | $192.31 |
Glendale | $108.91 | $188.91 | $302.24 |
Lake Havasu City | $59.10 | $115.85 | $125.01 |
Mesa | $91.32 | $134.94 | $223.92 |
Peoria | $94.36 | $152.32 | $169.99 |
Phoenix | $116.83 | $184.91 | $265.62 |
Scottsdale | $117.99 | $152.76 | $244.76 |
Tucson | $86.76 | $125.45 | $218.53 |
Yuma | $59.01 | $201.12 | $168.12 |
Average monthly rates are from effective SelectQuote customer policies between 4/1/2022 and 3/31/2023.
Auto Insurance in Arizona
Nearly 5.8 million licensed drivers hit the road in Arizona in 20212 and their 2.2 million registered automobiles all required some form of auto insurance. If you’re shopping for car insurance coverage, you’ll need to know the legal requirements. Not only will it help you be a safe driver, but it could also save you thousands of dollars in the event of an auto accident.
Arizona Auto Insurance Laws and Requirements
Arizona’s insurance requirements are similar to other states in that all drivers must carry liability insurance coverage.
Liability coverage must include both bodily injury liability and property damage liability. If you cause a car accident that injures another person, bodily injury liability helps pay for their medical expenses and lost income as a result of their injuries. Property damage liability helps pay for the damage you cause to someone else’s car, or to structures and objects your car hits during an accident. The minimum 25/50/15 coverage limits are as follows:
$25,000 per person who sustains bodily injury or death
$50,000 for two or more persons sustaining bodily injury or death
$15,000 for damage to other property
Even though all Arizona motorists are required to carry liability coverage, not all motorists in Arizona have coverage in effect. For this reason, it’s a good idea to carry uninsured motorist (UM) and underinsured motorist (UIM) coverage. UM protects you or passengers in your vehicle if involved in an accident where the other driver does not have liability coverage, while UIM protects if the other driver has insufficient insurance to cover the injuries they caused. This coverage includes protection from a hit-and-run accident. The minimum limits for UM and UIM are $25,000 per person and $50,000 per accident.
All data on average expenditures is provided by the Insurance Information Institute.
Type of Insurance Coverage | Minimum Coverage Limit |
Bodily injury liability coverage |
|
Uninsured/underinsured motorist coverage | Not required |
Collision coverage | Not required |
Comprehensive coverage | Not required |
Medical expense coverage | Not required |
Loss of income benefits coverage | Not required |
Rental coverage | Not required |
Towing coverage | Not required |
Other types of auto insurance coverage are available for purchase, too. They include:
Comprehensive coverage
helps pay for damage to your vehicle resulting from theft, glass breakage, hail, water, fire, falling objects, vandalism, explosion or hitting an animal.
Collision coverage
helps pay for damage to your vehicle as a result of an accident with another vehicle or object. Your insurer will pay to repair this damage even if you are considered at fault.
Gap insurance
is common for financed vehicles and can pay the difference between what your car is worth and what is currently owed.
Towing and rental car insurance
can help get your car to a repair shop and provide you with temporary transportation after an accident in which your car is out of your possession for a few days.
Medical expense coverage
helps pay for health insurance deductibles/co-pays, doctor or hospital visits, medical costs and ambulance fees if you or your passengers are injured in an accident.
Arizona Teen Driving Laws
Much like other states, Arizona’s teens are required to obtain a graduated instruction permit prior to getting their driver’s license.3 The teenage driver must hold this class G permit for at least six months, and they need supervised driving practice with a licensed driver who is 21 years old or older in the front seat. Teens with the graduated license are subject to additional restrictions, such as curfews and a limit on passengers.
Arizona Car Registration Information
Because Arizona requires all vehicles to be covered by liability insurance, you will need to provide proof of insurance at the time of car registration. You’ll also need to provide proof of vehicle ownership, usually by submitting title paperwork at the time of your registration.4 You may also need to put your vehicle through an emissions test.5
What is the average car insurance cost in Arizona?
Among SelectQuote customers in Arizona, the average cost of car insurance is roughly $147 per month.+ Costs vary by ZIP code, make and model of car, your credit rating, driving history and deductible.
Our Auto Insurance Partners in Arizona
Arizona Home and Auto Insurance Frequently Asked Questions
What is the average home insurance cost in Arizona?
The average monthly cost of home insurance in Arizona among SelectQuote customers is $90.97.+ This is less than the national average of $182.3 Your Arizona home insurance rates will vary based on several factors, including:
Your ZIP code
Your coverage limits
Types of coverage you purchase
Your credit history
What is the average car insurance cost in Arizona?
Among SelectQuote customers in Arizona, the average cost of car insurance is roughly $147.02 per month.+ Costs vary by ZIP code, make and model of car, your credit rating, driving history, and deductible.
Do I need mobile home insurance in Arizona?
The state of Arizona doesn’t require you to purchase mobile home insurance. However, most mortgage companies and trailer parks do. Mobile homes are often more expensive to insure due to elevated risks of storm damage, flooding, and fire.
What is the penalty for not having car insurance in Arizona?
Failure to purchase insurance for your vehicle could lead to heavy fines, suspension of your driver’s license, or even the inability to register your vehicle for a full year. Penalties may increase for repeat offenses.
Who has the cheapest insurance rates in Arizona?
Finding the cheapest insurance rates in Arizona is important, but it’s also crucial to ensure that your coverage provides the protection you need when it matters most. SelectQuote helps you compare rates from multiple trusted insurance providers, ensuring that you get both affordable premiums and reliable coverage. With SelectQuote, you don’t have to sacrifice quality for cost—you can have both.
SelectQuote Can Shop Arizona Home or Auto Insurance to Help Save you Time and Money
Whether you’re buying home and auto insurance for the first time or shopping around for a better rate, SelectQuote can help you find affordable insurance coverage to meet your needs.
We quickly compare rates from several companies at one time to offer you competitive quotes, including bundled home and auto insurance policies to secure discounts on coverage.
Let us help you shop and save time and money today.
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