Best homeowners insurance in Scottsdale, AZ (2024)

We looked at average costs, customer service ratings, and policy options from multiple top insurers to find the best and cheapest home insurance companies in Scottsdale.

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By

Rachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Edited by

Pat HowardPat HowardManaging Editor & Licensed Home Insurance ExpertPat Howard is a licensed insurance expert and managing editor at Policygenius. Pat has written extensively about the home insurance industry and his insights as a subject matter expert have appeared in several top tier publications, including The New York Times, The Wall Street Journal, CNBC, and Reuters. Pat has a bachelor's degree in journalism from Michigan State University.
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Reviewed by

Pat HowardPat HowardManaging Editor & Licensed Home Insurance ExpertPat Howard is a licensed insurance expert and managing editor at Policygenius. Pat has written extensively about the home insurance industry and his insights as a subject matter expert have appeared in several top tier publications, including The New York Times, The Wall Street Journal, CNBC, and Reuters. Pat has a bachelor's degree in journalism from Michigan State University.

Updated|3 min read

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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 $1,643 per year or $137 a month. This is on par with the statewide average of $1,667 and slightly less than the national average of $1,754.

Compare home insurance rates in Scottsdale

Compare the best cheap homeowners insurance companies in Scottsdale

To find the best cheap homeowners insurance in Scottsdale, Policygenius rated over a dozen of the largest insurance companies in Arizona across several categories, such as average policy cost, financial strength ratings with AM Best, customer and claims satisfaction scores with J.D. Power, available policy options, and more.

Company

Average monthly cost

Policygenius rating

State Farm

$117

4.8 out of 5

American Family

$104

4.5 out of 5

Farmers

$178

4.5 out of 5

Progressive

$146

4.5 out of 5

Allstate

$145

4.4 out of 5

Methodology & why you can trust our rates

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.

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2024 Policygenius award winner

State Farm

State Farm logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.8

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Offers extended replacement cost

All 50 states

Why we chose itchevron icon

State Farm home insurance scores a near-perfect 4.8 out of 5 thanks to its slew of coverage add-ons, high marks on J.D. Power’s customer satisfaction surveys, and strong financial stability ratings.

Pros and conschevron icon

Pros

  • Save up to $1,127 per year when you bundle your home and auto insurance

  • Excellent line-up of policy add-ons, including extended replacement cost coverage

Cons

  • No longer sells home insurance policies in California

  • 20% more complaints filed with the NAIC than other companies of its size

More detailschevron icon

Why State Farm is one of our top choices

At a time when lots of competitors are no longer insuring homes in areas prone to wildfires or hurricanes, State Farm continues to offer its relatively affordable and highly rated home insurance to homeowners in every corner of the country.

And it doesn't skimp on coverage, offering flood, wildfire, and earthquake protection — one of few competitors that offers all three insurance policies to homeowners in high-risk states nationwide.

Plus, while many competitors don't have the financial strength to pay out claims after several natural disasters in the same year, State Farm isn't one of them. It earns the highest rating possible from A.M. Best for financial strength and stability — only six insurance companies out of nearly 70 we reviewed hold this title.

How much does State Farm home insurance cost compared to the Scottsdale average?

The average cost of home insurance with State Farm in Scottsdale is $1,405 per year.

In comparison, the average cost of home insurance with State Farm in Arizona is $1,362 per year, according to sample quotes provided to Policygenius from Quadrant Information Services. This is 22% less than the state average of $1,667 per year and 28% less than the national average of $1,754 per year.

How to get a quote

Online through State Farm

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2024 Policygenius award winner

American Family

American Family home insurance

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Offers extended replacement cost

Offers flood insurance

Bundle home & auto

Why we chose itchevron icon

American Family home insurance has industry-best coverage options, high customer service ratings, and several discounts to compliment its already affordable rates, making it a great option in the 19 states where it’s available.

Pros and conschevron icon

Pros

  • Affordable rates and 11 available discounts

  • Ranked #2 in J.D. Power’s 2022 U.S. Home Insurance Study

  • Diminishing deductible feature to lower out-of-pocket claim costs

Cons

  • Only available in 19 states

  • Offers online quotes, but requires talking to an agent to complete the process

More detailschevron icon

Why American Family is one of our top picks for low rates

When it comes to both the breadth and quality of home insurance policy options, there are few companies in the same league as American Family, and the company offers some of the lowest rates in the state.

Choose from three comprehensive policy tiers with various levels of protection, or customize a policy to your liking with up to 15 additional coverage options, including inland flood, equipment breakdown, and service line coverage.

We especially like its rare diminishing deductible feature that takes $100 off your policy deductible each year you go without filing a claim — a perk few competitors offer. In Arizona, American Family has some of the lowest available rates, making it an affordable choice for most homeowners.

While it only writes homeowners insurance in 19 states, American Family is the seventh largest home insurer in the United States — which indicates it’s a popular option in the places it operates.

How much does American Family home insurance cost?

The average cost of homeowners insurance with American Family in Scottsdale is $1,247 per year.

In comparison, the average cost of home insurance with American Family in Arizona is $1,150 per year, according to sample quotes provided to Policygenius from Quadrant Information Services. This makes American Family 45% cheaper than the state average of $1,667 per year and about 52% cheaper than the national average of $1,754 per year

How to get a quote

Online through American Family

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2024 Policygenius award winner

Farmers

Farmers Insurance logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Offers extended replacement cost

Bundle home & auto

Smart home discounts

Why we chose itchevron icon

Along with saving around 20% when you bundle your home and car insurance, Farmers also gives you access to its extensive suite of discounts, unique policy credits, and claim-free incentives that help put money back in your pocket.

Pros and conschevron icon

Pros

  • Above-average property claims satisfaction rating with J.D. Power

  • Extended and guaranteed replacement cost for your home

  • Shave $50 off your deductible each year you’re with Farmers

Cons

  • Below-average scores on J.D. Power’s digital experience survey

More detailschevron icon

Why Farmers is one of our top pick for coverage options

Farmers home insurance offers a variety of coverage options and policy perks that aren't easy to come by, including:

  • Declining deductibles: Earn $50 toward your home deductible each year you have a home insurance policy with Farmers.

  • Claim forgiveness: Once you’ve gone five years without filing a claim, Farmers won’t raise your rate after that if you end up filing one.

Even more, depending on your state of residence, you can save up to 45% on your auto insurance and up to 34% on your home insurance when you bundle policies, according to Farmers.

How much does Farmers home insurance cost compared to the Scottsdale average?

The average cost of homeowners insurance with Farmers in Scottsdale is $2,139 per year.

In comparison, the average cost of home insurance with Farmers in Arizona $1,729 per year, according to sample quotes provided to Policygenius from Quadrant Information Services. This is higher than the state average of $1,667 per year and on par with the national average of $1,754 per year.

How to get a quote

Online through Farmers

Progressive

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

NA

Bundle home & auto

Mobile app

Why we chose itchevron icon

Progressive offers robust home insurance coverage and ways to save. Our fave perk? Its bundling discount, which lets you save up to 20% on premiums and only requires you to pay one deductible if your home and car are damaged in the same event.

Pros and conschevron icon

Pros

  • Available in all states except Alaska and Hawaii

  • Slew of policy and discount options available

  • Easy-to-use app to manage policy

Cons

  • Not a direct insurance carrier

  • Cost varies by company Progressive places you with

  • Customer service & claims options vary by company

More detailschevron icon

Why we chose Progressive

Progressive shines for its industry-best home and auto insurance bundling perks. Insure both your home and car with Progressive and you’ll not only score a huge discount, but you’ll only have to pay one deductible if your home and car are damaged in the same incident. This means if a tornado knocks a tree over onto your home and car, you’ll only be on the hook for one deductible.

How do Progressive home insurance rates compare to the Scottsdale average?

The average cost of Progressive home insurance in Scottsdale is $1,756 per year, which is about 7% higher the average annual premium in Scottsdale of $1,643 per year.

How to get a quote

Online through Policygenius or ASI Progressive

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2024 Policygenius award winner

Allstate

Allstate logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.4

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Smart home discounts

All 50 states

Why we chose itchevron icon

Whether you’re looking for bare-bones coverage on the cheap or a more comprehensive policy package with additional coverages and features like short-term rental coverage and deductible rewards, you’ll likely be able to find it with Allstate.

Pros and conschevron icon

Pros

  • High-quality and flexible policy options

  • Numerous discounts and features that help you save

  • Below-average customer complaints

Cons

  • No longer sells home insurance policies in California

  • Below-average digital experience rating with J.D. Power

More detailschevron icon

Why Allstate is our top pick for Airbnbs

If you rent out your property through a short-term rental service like Airbnb and a guest destroys or steals your property, Allstate’s HostAdvantage will pay up to $10,000 per rental host period to replace or repair your property.

And the best part? This coverage can be added directly onto your home insurance policy for a small additional fee. To put this into context, only about one-third of the nearly 70 home insurance companies we reviewed even offer home-sharing coverage at all.  

How much does Allstate home insurance cost compared to the Scottsdale average?

The average cost of homeowners insurance with Allstate in Scottsdale is $1,735 per year.

In comparison, the Arizona average cost of home insurance with Allstate is $1,945 per year, according to sample quotes provided to Policygenius from Quadrant Information Services. This makes Allstate about 16% more expensive than the state average of $1,667 and about 11% more expensive than the national average of $1,754.

How to get a quote

Online through Policygenius or Allstate, or by contacting a local Allstate agent.

Compare home insurance rates in Scottsdale

How much is homeowners insurance in Scottsdale?

The average cost of home insurance in Scottsdale is $1,643 per year, or $137 a month, for a policy with $300,000 in dwelling coverage. This is slightly cheaper than the average annual cost of $1,667 for homeowners insurance in Arizona, and about 6% cheaper than the national average of 41,754 per year. 

Scottsdale home insurance rates by ZIP code

Home insurance rates can vary substantially depending on which ZIP code your home is located in, as homes in certain Scottsdale neighborhoods may be more prone to extreme weather damage or property crime than others.

To help you find out how much home insurance costs where you live, we calculated average home insurance rates by ZIP code in Scottsdale.

ZIP code

Average annual cost

Difference from state average (%)

85254

$1,866

12%

85255

$1,582

-5%

85251

$1,572

-6%

85260

$1,860

12%

85257

$1,560

-6%

85258

$1,503

-10%

85259

$1,650

-1%

85250

$1,818

9%

85262

$1,542

-7%

85266

$1,556

-7%

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Cheapest ZIP codes for home insurance in Scottsdale

With an average home insurance rate of $1,503 per year, the 85258 ZIP code is the most affordable area for home insurance in Scottsdale.

ZIP code

Average annual cost

Difference from state average (%)

85258

$1,503

-10%

85262

$1,542

-7%

85266

$1,556

-7%

85257

$1,560

-6%

85251

$1,572

-6%

85255

$1,582

-5%

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Most expensive areas for homeowners insurance in Scottsdale

With an average annual premium of $1,866, the 85254 ZIP code is the most expensive ZIP code in Scottsdale for home insurance. If you live one of these ZIP codes, your rates might be among the highest in the city.

ZIP code

Average annual cost

Difference from state average (%)

85254

$1,866

12%

85260

$1,860

12%

85250

$1,818

9%

85256

$1,746

5%

85259

$1,650

-1%

Learn more >> Home insurance rates by ZIP code

Scottsdale home insurance costs by coverage amount

Along with your home's location, your homeowners insurance premiums are primarily based on how much dwelling coverage is in your policy. This is the centerpiece of your home insurance coverage, covering the cost to repair or rebuild your home after a covered disaster.

Here are the average rates for homeowners insurance based on coverage amount.

Dwelling coverage limit

Average annual cost

$100,000

$911

$200,000

$1,245

$300,000

$1,643

$400,000

$2,191

$500,000

$2,677

Scottsdale home insurance costs by deductible amount

Your home insurance deductible is the amount you’re responsible for paying on each claim before insurance kicks in to help cover the cost of repairing or replacing your property. A higher deductible means lower insurance premiums, but it also means you're responsible for paying more out of pocket when you file a claim.

Here are the average rates for homeowners coverage by deductible amount.

Deductible

Average annual cost

$500

$2,083

$1,000

$2,042

$2,000

$1,314

Cheapest homeowners insurance companies in Scottsdale

Based on our analysis, Armed Forces Insurance, USAA, and American Family are the three cheapest home insurance companies in Scottsdale, with average premiums citywide ranging from $725 to $1,247 per year.

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Cheapest home insurance in Scottsdale if you have poor credit

bad credit score does more than just cost you a few dollars in late payment fees — it can also make your auto and home insurance rates thousands of dollars higher.

Here are the average rates for homeowners insurance for Scottsdale residents with poor credit.

Company

Average annual cost

Armed Forces Insurance

$1,176

USAA

$1,759

Nationwide

$1,992

American Family

$2,153

State Farm

$2,407

Farm Bureau Insurance

$2,477

Allstate

$2,513

Progressive

$2,600

Foremost

$2,877

Farmers

$3,054

Chubb

$3,508

Country Financial

$6,210

Auto-Owners Insurance

$12,827

Travelers

$13,032

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Cheapest home insurance in Scottsdale if you have an older home

Insurance carriers consider older homes to have a higher risk of damage or loss compared to newer homes since they're constructed with older and more difficult to replace materials. Additionally, certain structural components in older homes, like the roof or plumbing systems, may not be up to code.

Here are the average homeowners insurance rates for Scottsdale residents with older homes.

Company

Average annual cost

Armed Forces Insurance

$792

USAA

$1,049

Auto-Owners Insurance

$1,193

American Family

$1,268

Chubb

$1,270

Nationwide

$1,394

State Farm

$1,405

Farmers

$1,567

Allstate

$1,590

Farm Bureau Insurance

$1,720

Farmers

$1,939

Progressive

$2,158

Country Financial

$4,644

Travelers

$5,333

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Cheapest homeowners insurance in Scottsdale if you have a history of claims

Claims history is one of the biggest factors that insurance companies use when calculating your home insurance premiums. If you have multiple claims on your record, your insurer will likely view you as a risk for filing future claims and may charge you higher rates as a result.

Here's the cheapest home insurance companies in Scottsdale for a homeowner with three claims within a five-year period on their record.

Company

Average annual cost

Armed Forces Insurance

$987

USAA

$1,051

Auto-Owners Insurance

$1,257

State Farm

$1,602

American Family

$2,126

Progressive

$2,419

Chubb

$2,569

Farmers

$2,702

Nationwide

$2,975

Allstate

$3,010

Foremost

$3,430

Country Financial

$4,654

Travelers

$5,690

Farm Bureau Insurance

$5,783

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How to get homeowners insurance quotes in Scottsdale

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

How to buy homeowners 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.

Compare home insurance rates in Scottsdale

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.

Author

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Editor

Pat Howard is a licensed insurance expert and managing editor at Policygenius. Pat has written extensively about the home insurance industry and his insights as a subject matter expert have appeared in several top tier publications, including The New York Times, The Wall Street Journal, CNBC, and Reuters. Pat has a bachelor's degree in journalism from Michigan State University.

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