Best homeowners insurance in Tucson, AZ for 2022

Jessica Olivo

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Jessica Olivo

Jessica Olivo

Freelance contributor

Jessica Olivo is a writer living in Connecticut. She specializes in web and blog content in a variety of topics such as parenting, business, and culture, as well as serialized and short fiction.

After working in publishing and book publicity for many years, she transitioned to freelance writing full time.

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With an average of 286 sunny days a year, homeowners in Tucson rarely have to worry about the effects of weather on their houses. However, with the risk of wildfires and a crime rate higher than the national average, it’s still important for Tuscon residents to protect their homes with a solid homeowners insurance policy. 

The average cost of homeowners insurance in Tucson is $1,632 per year or $136 a month. This is around 14% lower than both the statewide average of $1,897 per year. 

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However, 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 Tucson.  

Best homeowners insurance companies in Tucson

Of the companies we evaluated, USAA's average annual home insurance premium of $748 is the lowest in Tucson, and around 54% cheaper than the city average. State Farm and American Family both have rates below the city average as well, and all five companies received high J.D. Power scores for customer and claim satisfaction. 

Policygenius analyzed thousands of quotes from the 5 largest Tucson 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 Tucson residents to find the best homeowners insurance in Tucson.

Company

Average yearly cost

J.D. Power Rating

State Farm

$1,271

835

Farmers

$2,135

813

USAA

$748

882

American Family

$1,171

831

Allstate

$1,668

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’s mobile app makes filing and tracking a claim easier than ever. Not only can you submit your claim through the app, you can also take photos of the damage you are reporting and upload them directly to your claim, expediting the process.

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 customers the option to rebuild their homes using eco-friendly materials. If your house is destroyed by a fire or another covered hazard, you could receive up to $25,000 to rebuild using green materials and appliances. 

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’s partnership with ADT makes it easy for customers to save money just by making your home more secure. Not only does USAA offer a discount on your policy for installing an ADT alarm system, you also get a discount on both the equipment and monitoring from ADT.

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

Why American Family tops our best list

American Family’s diminishing deductible program can reduce your out-of-pocket expenses when filing a claim. You can earn a $100 credit right away and then another $100 each year you renew your policy. This credit is then deducted from the total amount of your deductible each time you file a claim, saving you money.

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’s guest medical coverage puts homeowners in a position to file a claim for someone who is accidentally injured on your property, without a lawsuit. This coverage pays for ambulances, hospital stays, x-rays, and other medical expenses. 

How to get a quote

Online through Policygenius or Allstate

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Cheapest homeowners insurance companies by ZIP code in Tucson

Looking at average home insurance costs for 15 of the most popular companies in Tucson, we found that the cheapest home insurance in the city can be found in the 85719 ZIP code (Central Tuscon) and the 85721 ZIP code (University of Arizona) with USAA. The average USAA rate in these areas is $679 per year — $953 less than the city average of $1,632 per year. 

As shown in the table below, while rates vary in different neighborhoods, USAA has the cheapest homeowners insurance rates throughout the city. 

ZIP code

Company

Average yearly cost

85701

USAA

$778

85705

USAA

$737

85706

USAA

$728

85708

USAA

$728

85709

USAA

$728

85710

USAA

$717

85711

USAA

$728

85712

USAA

$733

The most affordable areas for homeowners insurance in Tucson

With an average home insurance rate of $1,546 per year, the 85747 ZIP code is the most affordable area for home insurance in Tucson. Most houses in this area were built in the last thirty years, making them less expensive to insure.  

ZIP code

Average yearly cost

85747

$1,546

85748

$1,574

85715

$1,599

85708

$1,602

85746

$1,602

The most expensive areas for homeowners insurance in Tucson

With an average home insurance rate of $1,714, the 85736 ZIP code is the most expensive area for home insurance in Tucson. Homes in these ZIP codes tend to be older, but other factors like the value, size, and crime rate in these areas also play a factor.

ZIP code

Average yearly cost

85736

$1,714

85713

$1,674

85721

$1,673

85712

$1,665

85745

$1,662

Shopping for homeowners insurance in Tucson

The most important part of shopping for homeowners insurance is finding the coverage you need for a fair price. While certain risk factors may increase your rates, looking for discounts and shopping around can help save you money. Tucson residents will also want to take their home's replacement cost into consideration in case of expensive wildfires. 

In this section, we break down the average annual home insurance rates in Tucson for different coverage and deductible levels, as well as the cheapest and most expensive home insurance companies in the state for individuals with a poor credit score, dog owners, and pool owners. Once you’re ready to shop, a Policygenius expert can help you navigate your coverage needs and help you find the best deal on homeowners insurance in Tucson.

Tucson home insurance costs by coverage amounts

Dwelling coverage is the part of your home insurance that pays to repair or rebuild your home from the ground up. Your dwelling coverage limit should be based on your home’s replacement cost, or the amount to rebuild it from the ground up — not its market value or purchase price. 

In Tucson, the difference between a policy with $100,000 in dwelling coverage and $200,000 in dwelling coverage is $367.

Dwelling coverage amount

Average yearly cost

$100,000

$877

$200,000

$1,244

$300,000

$1,632

$400,000

$2,014

$500,000

$2,421

Liability coverage is the part of your home insurance that pays medical or legal bills in case you're responsible for someone else's injuries. To ensure you're fully protected, your liability coverage limit should be high enough to cover the total value of your assets, including your house, cars, and liquid assets like cash and investments. 

Liability coverage amount

Average yearly cost

$100,000

$1,671

$200,000

$1,422

$300,000

$1,632

$400,000

$969

$500,000

$1,704

Tucson home insurance costs by deductible amount

Your homeowners insurance deductible is the amount you're responsible for paying towards a covered claim. A higher deductible means cheaper home insurance rates, but it also means you'll have to pay more out of pocket before your insurance kicks in.

As seen in the table below, Tucson residents can save around $162 on home insurance by choosing a $2,000 deductible over the $500 option.

Deductible amount

Average yearly cost

$500

$1,837

$1,000

$1,632

$2,000

$1,675

Home insurance discounts in Tucson

You can save money on home insurance just for making your house more secure. Most insurance companies offer discounts if you install security devices such as smoke detectors, burglar alarms, and deadbolt locks.

While you won’t get a huge discount if your house has one of the following features and nothing else, they can add up if you have several protective devices in your home. Here is the average annual rate and average discount percentage for homes in Tucson with deadbolts, smoke alarms, or burglar alarms. 

Discount

Average yearly cost

Dead bolt

$1,631

Smoke alarm

$1,631

Burglar alarm

$1,601

Home insurance companies in Tucson for dog owners

Insurance companies have found that some dog breeds are more likely to be responsible for bite-related liability claims. Because of this, they will often charge higher rates to owners of those breeds. 

With an average rate of $748 per year, USAA has the cheapest home insurance rates in Tucson for a home with a dangerous dog breed, while Farmers’ average yearly premium of $2,135 is the highest. 

Company

Average yearly cost

USAA

$748

American Family

$1,181

State Farm

$1,271

Allstate

$1,668

Farmers

$2,135

Home insurance companies in Tucson for poor credit

Insurance companies use a version of your credit score when determining your home insurance rates. Customers with lower scores will likely see higher rates, since they are more likely to file an insurance claim.

However, some home insurance providers don't weigh this factor as heavily as others when setting your rates. So if your credit score is on the lower end of the spectrum, be sure to shop around and compare costs from multiple companies.

With an average rate of $1,312 per year, USAA has the cheapest home insurance rates in Tucson for a homeowner with poor credit, while Farmers’ average yearly premium of $3,080 is the highest. 

Company

Average yearly cost

USAA

$1,312

American Family

$2,029

State Farm

$2,176

Allstate

$2,410

Farmers

$3,080

Home insurance companies in Tucson for pool owners

Pool owners may see higher home insurance rates given the higher probability of injury and liability claims. However, not all insurance companies weigh this factor as much as others, so be sure to look at rates from multiple providers if you have a swimming pool on your property.

With an average rate of $748 per year, USAA has the cheapest home insurance rates for Tucson homes that have a swimming pool, while Farmers’ average yearly premium of $2,135 is the most expensive.

Company

Average yearly cost

USAA

$748

American Family

$1,187

State Farm

$1,271

Allstate

$1,668

Farmers

$2,135

How to buy homeowners insurance in Tucson

Finding the right insurance for your home can seem like a challenge, but with the help of a Policygenius agent, it’s easier than you think. Below are tips for shopping for homeowners insurance in Tucson:

  1. Reach out to a licensed Policygenius agent. A Policygenius agent can answer questions and assist in getting you the right coverage at the best price.

  2. Figure out how much deductible you can afford. If you're like most residents of Tucson, you likely won't find yourself filing too many claims, as there simply isn't much in the way of bad weather or natural disasters in the area. If your home is fairly low risk, consider a high deductible policy to lower your premiums.

  3. Compare quotes with a Policygenius agent. Once you’ve identified your coverage needs and input a few brief details about your house, a Policygenius agent will send over quotes from multiple companies.

  4. Choose your policy, sign it, and pay your first premium. Once you pick out a home insurance policy that's right for you and your house, all that's left for you to do is sign on the dotted line and pay your first premium. 

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Frequently asked questions

What is the average cost of homeowners insurance in Arizona?

The average cost of homeowners insurance in Arizona is $1,897, while the average rate in Tucson is $1,632 per year.

Is homeowners insurance cheaper in Arizona?

Homeowners insurance rates in Arizona are fairly close to the national average of $1,899.

What is personal property insurance?

Personal property insurance covers the belongings inside your home, such as your furniture, clothing, and electronics.

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.