Best homeowners insurance in Scottsdale, AZ for 2022

We looked at average costs, coverage availability, and customer satisfaction ratings to find the best homeowners insurance companies in Scottsdale.

Gianetta Palmer

By

Gianetta Palmer

Gianetta Palmer

Freelance contributor

Gianetta Palmer is a freelance writer who lives in the Georgia mountains. Her writing on health and car insurance, has appeared on numerous sites.

Expert reviewed

Expert reviewed

This article has been reviewed by a licensed Policygenius expert to ensure that sources, statistics, and claims meet our standard for accurate and unbiased advice.

Learn more about oureditorial review process.

By

Pat Howard

Pat Howard

Managing Editor & Licensed Home Insurance Expert

Pat Howard is a managing editor and licensed home insurance expert at Policygenius, where he specializes in homeowners insurance. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere.

Updated|7 min read

Policygenius content follows strict guidelines for editorial accuracy and integrity. Learn about our editorial standards and how we make money.

Many flock to the desert oasis of Scottsdale to enjoy the dry, arid climate year around. The median home price in Scottsdale is over $800,000, so area residents should make sure they have enough homeowners insurance to protect their pricey investment. 

Despite the high cost of homes, the average cost of homeowners insurance in Scottsdale is $1,950 per year or $163 a month. This is on par with the statewide average of $1,897 and national average of $1,899.

Ready to shop home insurance?

Start calculator

However, the cost isn’t the only factor to consider when choosing a home insurance company. Not sure what to look for? Policygenius can help you figure out your coverage needs and compare quotes from multiple top companies in Scottsdale.  

Best homeowners insurance companies in Scottsdale

Of the companies we looked at, USAA has the lowest home insurance rates in Scottsdale, with an average annual policy cost of $1,002 per year — about $900 less than the state average. American Family has the next lowest average rates at $1,247 per year.

Policygenius analyzed thousands of quotes from the 5 largest Scottsdale insurers to find the average cost of homeowners insurance with each company in 2022. We then looked at 2021 J.D. Power customer satisfaction scores and compared that with the coverage needs of Scottsdale residents to find the best homeowners insurance in Scottsdale.

Company

Average yearly cost

J.D. Power Rating

State Farm

$1,405

835

Farmers

$2,139

813

USAA

$1,002

882

American Family

$1,247

831

Allstate

$1,735

829

State Farm

State Farm logo

There's a reason State Farm is one of the top-rated insurance companies in the U.S. — its customer satisfaction ratings are through the roof, it offers a slew of coverage add-ons for full protection, and makes filing claims through its mobile app a breeze.

Pros

  • Top-tier coverage add-ons, including equipment breakdown, water backup, and service line coverage

  • Get up to $1 million in personal liability coverage

  • Score discounts for bundling, installing security devices, and choosing a high deductible

  • File and track claims online, over the phone, in person, or through its mobile app

  • High customer satisfaction and financial strength ratings

Cons

  • No discounts for first-time homebuyers or going a year without a claim

Why State Farm tops our best list

State Farm leads the way in customer satisfaction ratings from J.D. Power. Customers can get up to $1 million in personal liability coverage and earn discounts for choosing a high deductible plan or bundling their home and auto policy under one roof.

How to get a quote

Online through State Farm

Farmers

Farmers logo

Farmers is one of the largest and most reputable home insurance providers in the industry, offering special discounts for teachers, nurses, first responders, and non-smokers — plus the option to rebuild your home with green materials after a claim.

Pros

  • Several discounts and unique ways to save, including claim forgiveness and declining deductibles

  • 3 flexible coverage packages with varying levels of protection for most coverage and budget needs

  • Offers extended and guaranteed replacement cost coverage options

  • File claims online, via text, on its mobile app, or by calling its claims center

Cons

  • Rates are typically more expensive

  • Below-average customer satisfaction ratings

  • No repair network to help you find a certified contractor or repair professional after filing a claim

Why Farmers tops our best list

Farmers offers three flexible coverage options that you can customize to fit your home insurance needs. Homeowners can take advantage of special discounts when employed as a teacher, police officer, or in the medical field. 

How to get a quote

Online through Farmers

USAA

USAA logo

USAA's robust coverages and high marks for customer service and claims satisfaction make it a solid home insurance option for military members and their families.

Pros

  • Score discounts for zero claims, being a loyal USAA member, opting into e-billing, and more

  • Base policy includes coverages that cost extra with most other companies

  • Offers earthquake coverage — which is hard to come by

  • Get discounted home security systems and a discount on premiums through its partnership with ADT

  • Industry-best customer service and claims satisfaction ratings

Cons

  • Only available to military families

  • Doesn’t offer extended or guaranteed replacement cost dwelling coverage

Why USAA tops our best list

USAA is a great option for home insurance for those in the military and their family members. One thing in particular that helps USAA stand out above the rest is its comprehensive base policy that includes coverages that often cost extra with other insurance companies. In addition to unbeatable coverage, USAA offers affordable rates on top of numerous perks and discounts, including discounts on ADT security systems that can also lower your home insurance costs.

How to get a quote

Online through USAA

American Family

American Family logo

American Family's status as the 7th largest home insurance provider in the U.S. speaks to its popularity and reputation. Our fave perk? Its diminishing deductible program that lets you earn credits for every year you go without filing a claim.

Pros

  • Unique coverage add-ons, like matching siding insurance and hidden water damage coverage

  • Save up to 20% on home insurance and 29% on auto insurance for bundling the policies together

  • Earn a $100 credit toward your deductible for ever year you go without filing a claim

  • File claims online or on its mobile app — with 24/7 claims support

Cons

  • Doesn't offer extended or guaranteed replacement cost coverage

  • Above-average customer complaints according to the NAIC

American Family

Why American Family tops our best list

We love the fact that American Family's "diminishing deductible" feature, which subtracts $100 from your deductible each year you go without filing a claim. Customers can save up to 29% on home and auto insurance when they combine the policies into one coverage package. 

How to get a quote

Online through American Family

Allstate

Allstate logo

Allstate's mix of exceptional customer satisfaction ratings, personalized coverage options, and numerous discount opportunities make it one of the most popular homeowners insurance companies on the market.

Pros

  • Several coverage add-ons, including ones for roof surfaces, water backup, green improvements, and mold protection

  • 8+ discounts, including autopay, bundling, zero claims, and new homebuyer

  • Get up to 25% off your premiums when you bundle home and auto insurance

  • Excellent customer service and claims satisfaction ratings

  • File and track claims online or through its mobile app

Cons

  • Rates are typically high compared to competitors

Why Allstate tops our best list

Allstate has excellent customer and claims satisfaction ratings from J.D. Power thanks to its personalized coverage options and numerous ways to save on homeowners insurance. Allstate customers can get up to 25% off their home and auto insurance premiums when they bundle the two in a single policy package.  

How to get a quote

Online through Policygenius and Allstate

Ready to shop home insurance?

Start calculator

Cheapest homeowners insurance companies by ZIP code in Scottsdale

Looking at average home insurance costs for 15 of the most popular companies in Scottsdale, we found that the cheapest home insurance in the city can be found in the 85255 ZIP code (DC Ranch) with USAA. The average USAA rate in this area is $69 per month — less than half of the city average of $163 per month. 

Homeowners in most areas of Scottsdale are likely to have the cheapest rates with USAA and Auto-Owners, with rates up to $94 per month. 

ZIP code

Company

Average yearly cost

85250

USAA

$983

85251

USAA

$1,022

85255

USAA

$822

85256

USAA

$991

85257

USAA

$1,028

85258

USAA

$950

85259

USAA

$976

85260

USAA

$822

85262

Auto-Owners Insurance

$1,084

85266

USAA

$1,122

The most affordable areas for homeowners insurance in Scottsdale

With an average home insurance rate of $1,833 per year, the 85262 ZIP code (Cave Creek), is the most affordable area for home insurance in Scottsdale — about $110 cheaper than the average cost of home insurance in the city.

ZIP code

Average yearly cost

85262

$1,833

85266

$1,835

85255

$1,853

85260

$1,860

85259

$1,886

The most expensive areas for homeowners insurance in Scottsdale

With an average home insurance rate of $2,095, the 85251 ZIP code (Downtown) is the most expensive area for home insurance in Scottsdale. 

ZIP code

Average yearly cost

85251

$2,095

85257

$2,058

85250

$2,045

85258

$2,023

85256

$2,012

Shopping for homeowners insurance in Scottsdale

Shopping for home insurance in Scottsdale can be easy if you know what steps to take. With help from our licensed home insurance experts, Policygenius streamlines the process to help you find the right coverage at the best price.

In this section, we break down the average annual home insurance rates in Scottsdale for different coverage and deductible levels, as well as the cheapest and most expensive home insurance companies for dog and pool owners.

Scottsdale home insurance costs by coverage amounts

Dwelling coverage is the portion of your homeowners policy that pays to repair or rebuild your house from the ground up after a covered loss. 

Scottsdale homes with a dwelling coverage limit of $500,000 pay an average of $2,910 each year for home insurance — around $1,000 higher than the city average.

Dwelling coverage amount

Average yearly cost

$100,000

$1,018

$200,000

$1,474

$300,000

$1,950

$400,000

$2,413

$500,000

$2,910

Personal liability coverage is the part of your homeowners policy that pays for medical or legal bills if you’re legally responsible for someone’s injury or property damage.

As noted in the table below, additional liability coverage doesn’t always mean higher average home insurance rates in Scottsdale. Adding more liability coverage to your plan might cause your rates to increase, but the amount is often only a few dollars.

Liability coverage amount

Average yearly cost

$100,000

$1,994

$200,000

$1,821

$300,000

$1,950

$400,000

$1,094

$500,000

$2,036

Scottsdale home insurance costs by deductible amount

Your deductible is the amount you’re responsible for paying before insurance will begin to pay toward a covered claim.

As highlighted in the table below, a lower deductible means higher monthly payments. Scottsdale residents can save an average of $275 per year on home insurance by choosing a $1,000 deductible over the $500 option.

Deductible amount

Average yearly cost

$500

$2,225

$1,000

$1,950

$2,000

$2,083

Home insurance discounts in Scottsdale

Many insurance companies offer discounts to homeowners if their homes have certain features, like deadbolt locks or home security systems.

Although there isn’t a large discount in Scottsdale for these items, having these added to your home can help protect you and your family. Here is the average annual rate and average discount percentage for homes in Phoenix with deadbolts, smoke alarms, or burglar alarms.

Discount

Average yearly cost

Dead bolt

$1,950

Smoke alarm

$1,949

Burglar alarm

$1,911

Home insurance companies in Scottsdale for dog owners

Some insurers charge higher home insurance rates if you own certain dog breeds prone to bites and attacks. An insurer may even decide to deny you coverage altogether if you own one of these breeds.

With an average rate of $1,002 per year, USAA has the cheapest home insurance rates in Scottsdale for a home with a dangerous dog breed, while Farmers’ average yearly premium of $2,139 is the highest. 

Company

Average yearly cost

USAA

$1,002

American Family

$1,257

State Farm

$1,405

Allstate

$1,735

Farmers

$2,139

Home insurance companies in Scottsdale for poor credit

A few late payments can turn a good credit score into a bad one in a matter of months, which means you might see higher home insurance rates as well.

Insurance companies consider a poor credit score to be an indicator of risky financial behavior and higher frequency of claims for small losses or damages, so some insurers may charge you higher rates if you have a low score. 

With an average rate of $1,759 per year, USAA has the cheapest home insurance rates in Scottsdale for a homeowner with poor credit, while Farmers’ average yearly premium of $3,054 is the highest. 

Company

Average yearly cost

USAA

$1,759

American Family

$2,153

State Farm

$2,407

Allstate

$2,513

Farmers

$3,054

Home insurance companies in Scottsdale for pool owners

Having a swimming pool in your backyard is a great way to keep cool during the heat of a Scottsdale day, but it can also make your home insurance rates more expensive. Insurance companies consider swimming pools to be a liability risk due to the increased chance of injury, so some insurers will increase rates accordingly if you have one on your property.

With an average rate of $1,002 per year, USAA has the cheapest home insurance rates for Scottsdale homes that have a swimming pool, while Farmers has the most expensive rates at $2,139 per year.

Company

Average yearly cost

USAA

$1,002

American Family

$1,265

State Farm

$1,405

Allstate

$1,735

Farmers

$2,139

How to buy homeowners insurance in Scottsdale

Here are five simple steps to take as you shop for home insurance in Scottsdale:

  1. Reach out to a licensed Policygenius agent. We’re here to help! Our team of licensed home insurance experts can help you get quotes from several companies based on your coverage needs and budget, all at no cost or obligation to you.

  2. Ask if you should purchase extra dwelling coverage. If you live in an area that’s prone to wildfires, you might want to ask a Policygenius agent about adding extra dwelling coverage to your policy.

  3. Figure out how high of a deductible you can afford. A higher deductible means you’ll pay less for homeowners insurance, but you’ll also pay more out of pocket on each claim. A Policygenius agent can help you pick out a deductible that works within your budget.

  4. Compare quotes from a Policygenius agent. Once you’ve identified how much coverage you need and input a few brief details about your home, a Policygenius agent will send over quotes from top companies for you to compare.

  5. Sign the policy, and pay your first premium. Once you've picked out a home insurance policy that works for your house and budget, all that's left to do is for you to sign the paperwork and pay your first premium. Policygenius will take care of the rest.

Ready to shop home insurance?

Start calculator

Frequently asked questions

What is the average home insurance cost in Scottsdale?

The average home insurance rate in Scottsdale is $163 a month. That’s about $5 more per month than the Arizona average.

How can I lower the cost of my home insurance in Scottsdale?

The quickest way to lower the cost of your home insurance is by comparing quotes with a Policygenius agent. Once you’ve reviewed your options and chosen the best coverage limits based on your needs, we’ll do all of the paperwork on your behalf, including informing your mortgage lender and canceling your current policy.

Do you have to have homeowners insurance in Scottsdale?

It isn’t required to have homeowners insurance in Scottsdale unless you have a mortgage on your home. Most mortgage lenders require home insurance to protect their investment against loss or damage.

Methodology

Policygenius has analyzed home insurance rates provided by Quadrant Information Services in March 2022 for ZIP codes in all 50 states plus Washington, D.C., for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits:

  • Dwelling: $300,000

  • Other structures: $30,000

  • Personal property: $150,000

  • Loss of use: $60,000

  • Liability: $300,000

  • Medical: $1,000

All rates based on the above coverage limits except where otherwise noted.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

Author

Freelance contributor

Gianetta Palmer

Freelance contributor

gray twitter icon linkgray linkedin icon link

Gianetta Palmer is a freelance writer who lives in the Georgia mountains. Her writing on health and car insurance, has appeared on numerous sites.

Questions about this page? Email us at .