Renters and home insurance rates in Arizona

Name: HomeCover HQ Rates Index: Arizona
Creator: HomeCover HQ
Published: 2026-08-17
License: https://homecoverhq.com/terms

The NAIC's published average premiums for Arizona by policy form, with Census ACS housing records for every county: renter households, median gross rent and median home value.

Figures are published averages, never quotes; methodology at the foot of the page.

average renters premium (HO-4), per year: $163
average homeowners premium (HO-3), per year: $1,018
renter households: 923,559

By county

renter households, largest first

Table view

Row	Value
Maricopa County	593,849
Pima County	151,661
Pinal County	30,615
Yavapai County	28,846
Mohave County	25,552
Yuma County	23,053
Coconino County	22,077
Cochise County	14,890
Navajo County	10,677
Santa Cruz County	5,318
Gila County	5,309
Apache County	4,265

By county


Maricopa County	593,849	$1,587	$414,700
Pima County	151,661	$1,154	$286,900
Pinal County	30,615	$1,417	$312,100
Yavapai County	28,846	$1,258	$392,900
Mohave County	25,552	$1,047	$253,200
Yuma County	23,053	$983	$195,700
Coconino County	22,077	$1,406	$413,200
Cochise County	14,890	$939	$207,400
Navajo County	10,677	$832	$186,100
Santa Cruz County	5,318	$781	$216,100
Gila County	5,309	$1,001	$247,000
Apache County	4,265	$647	$68,500
Graham County	3,297	$890	$202,700
La Paz County	2,628	$735	$117,600
Greenlee County	1,522	$570	$136,300

Download the Arizona county-level dataset (CSV), free to reuse with citation.

Sources, citation and related pages

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The average annual renters insurance premium in Arizona was $163 in 2022, across 923,559 renter households recorded in the HomeCover HQ Rates Index (NAIC premiums; Census ACS households).

Cite as: "HomeCover HQ Rates Index: Arizona", updated 2026-08-17, https://homecoverhq.com/rates/arizona/.

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Average annual renters insurance premium · Arizona · 2022

$163

renter households	923,559

Source: HomeCover HQ Rates Index: Arizona

<figure style="margin:0;max-width:340px;padding:16px 18px;border:1px solid #e2e8f0;border-radius:10px;background:#ffffff;color:#0f172a;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;line-height:1.4;"><figcaption style="margin:0 0 6px;font-size:11px;letter-spacing:.04em;text-transform:uppercase;color:#64748b;background:#ffffff;">Average annual renters insurance premium &middot; Arizona &middot; 2022</figcaption><p style="margin:0;font-size:26px;font-weight:700;color:#0f172a;background:#ffffff;">$163<span style="font-size:14px;font-weight:400;color:#64748b;"></span></p><table style="width:100%;border-collapse:collapse;margin:10px 0 0;font-size:13px;background:#ffffff;border:0;"><tbody style="background:#ffffff;"><tr style="background:#ffffff;"><th scope="row" style="text-align:left;font-weight:400;color:#64748b;background:#ffffff;border:0;padding:3px 0;">renter households</th><td style="text-align:right;font-weight:600;color:#0f172a;background:#ffffff;border:0;padding:3px 0;">923,559</td></tr></tbody></table><p style="margin:12px 0 0;font-size:12px;color:#64748b;background:#ffffff;">Source: <a href="https://homecoverhq.com/rates/arizona/#stats" style="color:#2563eb;background:#ffffff;text-decoration:underline;">HomeCover HQ Rates Index: Arizona</a></p></figure>

Source: NAIC Homeowners Report average premiums (2022 data year) and US Census ACS 5-year (2023) county housing records, computed 2026-08-17.

content.naic.org NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance Report (2022 data) (NAIC public report)

www2.census.gov US Census Bureau ACS 5-year (2023) tables B25003/B25064/B25077 (US Government public domain)
www2.census.gov Census 2023 Gazetteer, counties (US Government public domain)

Methodology: State average premiums by policy form (HO-3 owner-occupied, HO-4 tenant/renters, HO-6 condo, plus HO-2/HO-5 where published) are the NAIC Dwelling Fire/Homeowners report's 2022 data year, transcribed per state and cross-checked against the countrywide row; the NAIC does not publish county premiums, so county rows carry Census ACS 5-year (2023) records instead: total households, renter-occupied households, median gross rent and median home value per county FIPS. County names and centroids come from the Census 2023 Gazetteer. Puerto Rico and territory counties are excluded (no NAIC premium row). Figures describe published filings and Census records, never quotes: your premium depends on carrier, coverage and property.

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