Homeowners insurance in Arizona: premium by ZIP code
Arizona premiums were low, $1,172 in the median ZIP code in 2022, but nonrenewals rose to 1.70%, ranked 4 of 51.
Independent site, not an insurer or a broker. Treasury figures cover 2018 to 2022 only.
Premium per policy in 2022, Arizona (median ZIP code)
$1,172
Average paid per HO-3 or HO-5 policy, inflation-adjusted as published by the Treasury. At September 2026 prices: about $1,561.
| Change from 2018 to 2022, after inflation | +10.7% |
| Premium per policy in 2018 | $1,059 |
| Premium per policy in 2022 | $1,172 |
| 2022 premium carried to September 2026 (BLS index) | $1,561 |
| Policies not renewed by the insurer, 2022 | 1.70% |
| Claims paid per 100 policies, yearly average | 4.6 |
| Average claim paid, 2018 to 2022 (adjusted) | $13,350 |
| Cancelled for nonpayment, 2022 | 1.64% |
Treasury data stop in 2022. The September 2026 figure applies the national BLS price index to the 2022 value, read as 2022 dollars: an estimate, not a quote.
Compiled by Radif Partners · Where the numbers come from · 328 ZIP codes in 15 counties of Arizona in the Treasury file · not a quote
Arizona is a cheap state for homeowners insurance that became less so. The median ZIP code paid $1,172 per policy in 2022, ranked 43 of 51 and well below the national $1,551. But the figure rose +10.8% after inflation from 2018, and the share of policies insurers declined to renew climbed from 1.14% to 1.70%, among the highest rates in the country. Insurers paid out more too: the paid loss ratio went from 45% to 55%. Maricopa County, with 130 ZIP codes, rose +11.6% to $1,249; Yavapai County, with its forested hills around Prescott, rose +13.0%. The dearest ZIP code, 85253 in Maricopa, paid $5,028. Arizona has no FAIR plan for homes, so a home that no admitted insurer will renew goes to the surplus lines market. The data stop in 2022.
Phoenix, Tucson and the fringe
Maricopa County dominates the file with 130 ZIP codes and a median of $1,249 in 2022. Pima County, around Tucson, paid $1,052 and Pinal County $1,030, while 85141 in Pinal County was the cheapest ZIP code in the state at $565. At the other end, 85253 and 85262, both in Maricopa, paid $5,028 and $3,157: large houses in Paradise Valley and the north Scottsdale hills, where the dwelling limit explains most of the price. The spread inside the state is wide, from under $929 to over $1,564. Yavapai County, with 26 ZIP codes, paid $1,134, close to Phoenix, but its rise of +13.0% was the fastest of the large counties.
Nonrenewals climbed after 2021
Arizona's nonrenewal rate held near 1.07% for three years, then rose to 1.26% in 2021 and 1.70% in 2022. That is double the national median and ranks the state 4 of 51. Wildfire exposure in the high country, monsoon hail and wind in the valleys, and the age of roofs are the reasons insurers usually give.
Arizona: odds of a nonrenewal ahead
Example, not your result yet· change a figure to see yours
Chance of at least one nonrenewal in 8 renewals, Arizona
12.8%
| Median ZIP rate in 2018 | 1.14% |
| National median ZIP, 2022 | 0.85% |
| Same horizon at the national rate | 6.6% |
| Arizona rank, 51 = lowest | 4 of 51 |
Losses rose year after year
Paid claims per 100 policies went from 4.3 in 2018 to 5.1 in 2022, and the paid loss ratio from 45% to 55%. The average claim, $13,350, was below the national figure. Monsoon storms bring hail and wind damage to roofs, and many Arizona roofs are tile or foam with long lives, which matters if your insurer settles roofs on a schedule; see the roof claim page.
No FAIR plan
Arizona has no residual market plan for homes listed in the Treasury report. A house that admitted insurers will not renew, often near forest land, moves to the surplus lines market through a licensed agent. The Arizona Department of Insurance and Financial Institutions handles complaints about nonrenewal notices and claims. Before that step, a written request to the insurer for the specific reason, and proof of any repair, settles many cases.
Arizona, year by year
| Year | Arizona median ZIP | National median ZIP | Nonrenewal rate | Claims per 100 policies | Paid loss ratio |
|---|---|---|---|---|---|
| 2018 | $1,059 | $1,445 | 1.14% | 4.3 | 45% |
| 2019 | $1,060 | $1,469 | 1.07% | 4.1 | 42% |
| 2020 | $1,089 | $1,491 | 1.10% | 4 | 44% |
| 2021 | $1,123 | $1,521 | 1.26% | 4.6 | 51% |
| 2022 | $1,172 | $1,551 | 1.70% | 5.1 | 55% |
The Arizona counties with the most ZIP codes in the file
| County | ZIP codes | Median 2018 | Median 2022 | Change | Nonrenewal 2022 | Average claim |
|---|---|---|---|---|---|---|
| Maricopa County | 130 | $1,119 | $1,249 | +11.6% | 1.56% | $13,574 |
| Pima County | 38 | $961 | $1,052 | +9.9% | 1.26% | $10,549 |
| Pinal County | 26 | $949 | $1,030 | +12.1% | 2.06% | $12,400 |
| Yavapai County | 26 | $1,014 | $1,134 | +13.0% | 1.55% | $12,911 |
| Mohave County | 18 | $952 | $1,028 | +7.8% | 2.41% | $13,169 |
| Cochise County | 17 | $1,005 | $1,074 | +9.5% | 2.24% | $13,155 |
| Coconino County | 14 | $1,119 | $1,198 | +9.8% | 1.86% | $19,209 |
| Navajo County | 13 | $1,087 | $1,251 | +15.0% | 1.78% | $18,944 |
Highest and lowest premiums per policy, Arizona ZIP codes, 2022
| ZIP code | County | Premium per policy | Change since 2018 | Nonrenewal 2022 |
|---|---|---|---|---|
| 85253 | Maricopa County | $5,028 | +11.7% | 1.24% |
| 85262 | Maricopa County | $3,157 | +18.7% | 1.15% |
| 85255 | Maricopa County | $2,582 | +19.3% | 0.91% |
| 85377 | Maricopa County | $2,548 | +9.7% | 0.66% |
| 85264 | Maricopa County | $2,446 | +1.2% | 2.52% |
| 85141 | Pinal County | $565 | +13.8% | 0.00% |
| 85336 | Yuma County | $698 | -38.9% | 0.54% |
| 85356 | Yuma County | $708 | +11.6% | 7.78% |
| 85346 | La Paz County | $722 | +13.0% | 4.63% |
| 85120 | Pinal County | $725 | +16.8% | 2.47% |