Living in Tucson, Arizona offers numerous advantages that enhance our quality of life. Our city boasts an average of 350 days of sunshine per year, providing ample opportunities for outdoor activities and solar energy utilization. Tucson's cost of living is 8% below the national average, making it an affordable place to reside compared to many other metropolitan areas. Our unique location in the Sonoran Desert surrounded by five mountain ranges offers breathtaking landscapes and diverse ecosystems, perfect for nature enthusiasts and hikers. Additionally, Tucson is home to the University of Arizona, a top-tier research institution that contributes significantly to our local economy and cultural scene.

Why is Tucson Homeowner's Insurance Expensive?

When it comes to Arizona home insurance carriers, Tucson residents often face higher premiums compared to other parts of the state. There are several factors contributing to this trend, and it's essential to understand why. First and foremost, Tucson's unique climate and geography play a significant role in insurance costs. The city's proximity to the Sonoran Desert exposes it to extreme heat and drought conditions, increasing the risk of wildfires. Secondly, the monsoon season brings heavy rains and flash flooding, which can cause substantial property damage. In the past three years, two notable weather events have impacted insurance rates in Tucson: the record-breaking heatwave of 2020, which saw temperatures soar to 111°F, and the severe monsoon flooding in 2021, which caused widespread damage to homes and infrastructure. Thirdly, the rising cost of construction materials and labor has led to higher replacement costs for damaged properties. Lastly, the increasing frequency of extreme weather events due to climate change has prompted insurers to reassess their risk models, resulting in higher premiums across the board.

How Much is Homeowners Insurance in Tuscon?

Homeowners in Tuscon pay an average of $2056 per year, or $171 a month, for a homeowners insurance policy with $300,000 in dwelling coverage. This makes home insurance in Tuscon roughly 9% less expensive than the Arizona average of $2257 per year. And Tuscon insurance is about 10% less than the national average of $2270. It pays to shop and compare Tuscon home insurance rates.

The Cheapest Homeowner Insurance Rates for Tuscon, Arizona

Provider	Annual Insurance Rate
Allstate	$2239
American Family	$1324
Armed Forces Insurance	$822
Auto-Owners Insurance	$1444
Chubb	$1507
Country Financial	$4272
Farm Bureau Insurance	$1737
Farmers	$2233
Farmers	$1990
Nationwide	$1514
Progressive	$1920
State Farm	$1568
Travelers	$5221
USAA	$993