Below are our picks for the best home and auto insurance bundling companies in Arizona.
Best Home and Auto Insurance in Arizona
Updated: April 3, 2025
Advertising & Editorial Disclosure
Key Takeaways
The top home and auto insurance companies in Arizona are USAA, Auto-Owners and State Farm.
State Farm offers the best home and auto insurance discount, with savings of 17% on auto insurance and 35% on home insurance.
The average annual cost of home and auto insurance in Arizona is $2,933, about 5% lower than the national average.
Who Offers the Best Home and Auto Insurance Bundles in Arizona?
| USAA | 97 | $2,106 | $190 |
| Auto-Owners | 93 | $2,331 | $262 |
| State Farm | 87 | $2,043 | $704 |
| Nationwide | 80 | $3,339 | $342 |
| Travelers | 75 | $5,049 | $526 |
| Progressive | 75 | $2,557 | $208 |
| Allstate | 75 | $3,274 | $380 |
| Farmers | 75 | $2,769 | $495 |
State Farm: Best Cheap Home and Auto Insurance in Arizona
State Farm offers the lowest rates for home and auto insurance in Arizona, with discounts of 17% on auto insurance and 35% on home insurance when you bundle policies. Young drivers can save through the Steer Clear program, which helps them learn to drive safely. Older drivers can use the Drive Safe and Save program to save up to 30% on car insurance.
State Farm ranks highly in customer satisfaction, placing fifth for auto insurance and seventh for home insurance in a J.D. Power study.
| Auto | $1,198 | $249 | 17% |
| Home | $844 | $455 | 35% |
USAA: Best Home and Auto Insurance in Arizona for Military
USAA is a top choice for military families in Arizona, offering affordable home and auto insurance. Its SafePilot program helps safe drivers save up to 30%. USAA ranks highly for customer satisfaction in both home and auto insurance, according to J.D. Power.
| Auto | $1,002 | $41 | 4% |
| Home | $1,104 | $150 | 12% |
Auto-Owners: Best Home and Auto Insurance Coverage Options in Arizona
Auto-Owners is a great choice for affordable home and car insurance bundles, with the third-lowest rates in Arizona. Customers can save with additional discounts, including for digital payments. Its unique coverage add-ons include accident forgiveness and a common loss deductible.
| Auto | $1,141 | $65 | 5% |
| Home | $1,190 | $198 | 14% |
Arizona Home and Auto Insurance Cost
Arizona's average monthly cost of home and auto insurance is $244, below the national average of $258. Monthly rates vary by insurer, ranging from $170 to $421.
| Arizona home and auto insurance bundle | $2,933 | $160 | -5% |
| National home and auto insurance bundle | $3,094 | $0 | 0% |
Arizona Home and Auto Insurance Quotes Without Bundling
Our research shows that not bundling home and auto insurance generally costs more in Arizona, but your quotes may vary. Below are the average costs of all coverage combinations with our top providers, from cheapest to most expensive.
| USAA | State Farm | $2,342 |
| Travelers | USAA | $2,355 |
| Travelers | State Farm | $2,400 |
| USAA | Progressive | $2,417 |
| USAA | Auto-Owners | $2,430 |
| Auto-Owners | USAA | $2,460 |
| Travelers | Progressive | $2,475 |
| Travelers | Auto-Owners | $2,488 |
| Auto-Owners | State Farm | $2,505 |
| Auto-Owners | Progressive | $2,580 |
| Progressive | USAA | $2,644 |
| Progressive | State Farm | $2,689 |
| State Farm | USAA | $2,701 |
| USAA | Farmers | $2,705 |
| USAA | Nationwide | $2,716 |
| Travelers | Farmers | $2,763 |
| Travelers | Nationwide | $2,775 |
| Progressive | Auto-Owners | $2,778 |
| State Farm | Progressive | $2,821 |
| State Farm | Auto-Owners | $2,834 |
| Farmers | USAA | $2,855 |
| Auto-Owners | Farmers | $2,868 |
| Allstate | USAA | $2,875 |
| Auto-Owners | Nationwide | $2,880 |
| Farmers | State Farm | $2,901 |
| Allstate | State Farm | $2,921 |
| Farmers | Progressive | $2,976 |
| Farmers | Auto-Owners | $2,989 |
| Allstate | Progressive | $2,996 |
| Allstate | Auto-Owners | $3,009 |
| Progressive | Farmers | $3,052 |
| Progressive | Nationwide | $3,064 |
| USAA | Allstate | $3,075 |
| State Farm | Farmers | $3,109 |
| State Farm | Nationwide | $3,121 |
| Travelers | Allstate | $3,133 |
| Auto-Owners | Allstate | $3,238 |
| Nationwide | USAA | $3,261 |
| Farmers | Nationwide | $3,276 |
| Allstate | Farmers | $3,284 |
| Allstate | Nationwide | $3,295 |
| Nationwide | State Farm | $3,307 |
| Nationwide | Progressive | $3,382 |
| Nationwide | Auto-Owners | $3,395 |
| Progressive | Allstate | $3,423 |
| State Farm | Allstate | $3,479 |
| Farmers | Allstate | $3,634 |
| Nationwide | Farmers | $3,669 |
| Nationwide | Allstate | $4,040 |
| USAA | Travelers | $5,516 |
| Auto-Owners | Travelers | $5,680 |
| Progressive | Travelers | $5,864 |
| State Farm | Travelers | $5,921 |
| Farmers | Travelers | $6,075 |
| Allstate | Travelers | $6,095 |
| Nationwide | Travelers | $6,481 |
Should I Bundle Home and Auto Insurance in Arizona?
In Arizona, bundling home and auto insurance is often more affordable than buying them separately. Assess your coverage needs and financial situation to find your best option.
Bundling discounts save you more than individual policies
In Arizona, bundling home and auto insurance can save you money. The cheapest annual cost without bundling is $2,342, while bundling reduces it to $2,043.
Bundling makes policy management convenient
Bundling insurance policies makes managing your insurance easier since it’s through a single account.
In rare cases, it might be better not to bundle in Arizona
Purchasing a non-bundle insurance option may not save you more money, but it can offer more flexibility in coverage options.
Best Auto and Home Insurance in Arizona: Bottom Line
State Farm, USAA and Auto-Owners are top choices for bundling home and auto insurance in Arizona. Bundling these policies saves more money than buying them separately. Compare quotes from multiple companies to find the best deal for your needs.
Home and Auto Insurance in Arizona: FAQ
Find expert answers to common Arizona home and auto insurance questions here:
Who has the best home and auto insurance in Arizona?
State Farm is the best home and auto insurance provider in Arizona. For military members, USAA is the top choice, and if you're seeking the best coverage options, Auto-Owners is highly recommended.
Who has the cheapest home and auto insurance in Arizona?
State Farm offers the most affordable home and auto insurance bundle in Arizona, with an annual premium of $2,043. Policyholders save an average of $704, or about 26%, compared to the state average.
How much does home and auto insurance in Arizona cost on average?
Arizona's average annual premium for a home and auto insurance bundle is $2,933, about 5% lower than the national average. The most affordable rate is around $2,043 with State Farm, while the highest rate is about $5,049 with Travelers.
Is bundling home and auto insurance cheaper in Arizona?
Bundling home and auto insurance is usually cheaper in Arizona. While it saves money, ensure you maintain adequate financial protection.
Best Auto and Home Insurance Bundle in Arizona: Our Methodology
MoneyGeek used data from the Arizona Department of Insurance and Financial Institutions and Quadrant Information Services to calculate home and auto insurance rates.
Bundle Scoring System
We combined this data with customer satisfaction ratings from leading agencies, including AM Best and J.D. Power, to generate individual scores for home and auto insurance. We also considered each insurer's bundle discounts to evaluate their savings potential.
Using this information, we calculated a “bundle score” out of 100 based on the following weighted categories:
- Home insurance score: 40%
- Auto insurance score: 40%
- Discounts: 20%
Car, Home and Buyer Profile in Arizona
MoneyGeek’s typical profile includes:
- 40-year-old male
- Good driving history
- 2010 Toyota Camry LE
- 12,000 miles driven annually
- Home built in 2000
Coverage Levels in Arizona
MoneyGeek analyzed rates for full coverage auto insurance with these limits:
- $100,000 property damage liability
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- Comprehensive and collision coverage with a $1,000 deductible
We also analyzed rates for homeowners insurance with the following coverage:
- $250,000 dwelling coverage
- $25,000 other structures coverage
- $100,000 personal property coverage
- $25,000 loss of use coverage
- $100,000 personal liability coverage
- $1,000 medical payments coverage
- All-perils coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.