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How to find affordable homeowners insurance in Scottsdale

A critical consideration for every homeowner should be insurance coverage for your home. It covers your dwelling — and the personal property within it — against a variety of perils, including fire, theft, vandalism, or wind damage. Incidents like this occur regularly. When paired with the high cost of repairing or rebuilding a home, purchasing homeowners coverage can seem like a great move. The average homeowners policy costs $86 per month in Scottsdale, Arizona. This is almost 30% less than what the typical American pays for home insurance.

The cost of home insurance depends on myriad factors, including the value of the dwelling, the value of your personal items, and the materials used to construct the home. The location of your home can also influence how much you pay for homeowners insurance. Some areas are more susceptible to perils like fire, hail, frozen pipes, volcanoes, or other hazards. These can make your insurance policy even more expensive. Discover more info about what a home insurance policy covers.

If you want to find cheaper home insurance coverage in Scottsdale, start by shopping around and comparing a variety of different policies. Take a look at the summary below showing average homeowners insurance premiums in Scottsdale to begin your home insurance search with as much info as you can.

Remember: your homeowners insurance rates may vary based on your coverage limits and other factors.

 
Table of contents:
  1. Rates by insurer
  2. Rates by coverage amount
  3. Rates by ZIP code
  4. Rates by deductible amount
  5. Policy bundling savings

 

Scottsdale home insurance by company

Scottsdale homeowners insurance rates vary depending on which insurance company you choose. The most inexpensive home insurance in Scottsdale is available via CSAA, which offers average annual rates of just $799 per year. This is less than the city’s average home insurance premium of $1,030.

To get started with your homeowners insurance policy search, take a look at this list of the best priced companies in Scottsdale, Arizona. You can also check out our guide to the best home insurance companies based on the results of The Zebra's Customer Satisfaction Survey.

 
AFFORDABLE HOME INSURERS IN SCOTTSDALE
Company Average Annual Rate
CSAA $799
Liberty Mutual $962
State Farm $997
Iowa Farm Bureau $1,032
USAA $1,082

 

Scottsdale homeowners insurance prices by coverage level

The amount of homeowners coverage you select has an impact on your insurance premiums. Homeowners in Scottsdale who carry $200K in dwelling coverage pay an average of $735 per year, while those with coverage up to $400K pay around $1,811 per year.

 
POPULAR COVERAGE LIMITS IN SCOTTSDALE
Coverage Level Average Annual Rate
$100,000 Dwelling $706
$200,000 Dwelling $735
$250,000 Dwelling $1,282
$400,000 Dwelling $1,811

 

Scottsdale home insurance rates by ZIP code

Depending on the part of Scottsdale you live in, you could see a big difference in your home insurance costs. The number of claims filed in your local area can be a factor in determining the price of your policy. Put simply, where you live could have a huge impact on what you pay for insurance.

To find the most affordable homeowners coverage in Scottsdale, look no further than 85262. In the 85262 ZIP, homeowners coverage usually costs just $1,246 per year — a full $217 less than the Scottsdale average. Find the best places to live in Scottsdale for cheap home insurance by looking at the table below.

 
AFFORDABLE HOME INSURANCE AREAS IN SCOTTSDALE
ZIP Code Average Annual Home Insurance Rate
85262 $1,246
85255 $1,266
85266 $1,276

 

Other parts of Scottsdale, however, have homeowners insurance premiums that are higher on average. Crime rates, fire risk, and even your how close you are to emergency services such as fire and police stations could impact rates the risk level of certain parts of the city, which has the potential to drive up the area's insurance costs. With an annual average premium of $1,464, 85251 comes in as the most expensive ZIP code in Scottsdale for home insurance.

 
EXPENSIVE HOME INSURANCE AREAS IN SCOTTSDALE
ZIP Code Average Annual Home Insurance Rate
85251 $1,464
85250 $1,439
85257 $1,428

 

Scottsdale homeowners insurance deductibles

Among the plethora of choices homeowners face when shopping for an insurance policy is how high or low to set the deductible. A homeowners deductible is how much your insurance requires you to pay out of pocket toward a claim. The deductible that you choose can impact how much you pay in insurance premiums.

When choosing a deductible, bear in mind that the higher your deductible is, the lower your insurance rates will be. Therefore, if you need your home insurance rates to be lower, you’ll want to increase your deductible. It's worth mentioning that a home insurance deductible should only be as high as you can reasonably pay if you actually suffer a loss.

Below you'll find some standard deductibles offered by most home insurance companies alongside with corresponding average insurance premiums.

 
HOME INSURANCE PREMIUMS BY DEDUCTIBLE LEVEL IN SCOTTSDALE
Deductible Level Average Annual Homeowners Insurance Rate
$500 $1,417
$1,000 $1,282
$1,500 $1,212
$2,000 $1,138
$5,000 $945

 

Home and auto insurance bundling in Scottsdale

If saving money is something you're concerned with, you might purchase insurance for your home and auto through the same insurance company. Bundling home and auto insurance can be a good money-saving option. In fact, bundling policies in Scottsdale leads to average annual savings of 16%.

 
CHEAPEST CAR INSURANCE RATES WITH HOME BUNDLE IN SCOTTSDALE
Company Avg. Annual Auto Insurance Rate (With Bundle)
GEICO $905
State Farm $1,174
American Family $1,179
Progressive $1,184
USAA $1,202

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Kristine Lee photo
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.