Arizona vs California: Home Insurance Cost
California has cheaper average home insurance than Arizona by $1,257.
Visual Comparison
Difference: $1,257 — California leads.
National Rankings
Where They Rank Nationally
See where both states fall among all 50 states for home insurance cost.
10 Best States — Home Insurance Cost
Lower is better
Hawaii
Delaware
Vermont
Oregon
New Hampshire
Nevada
Alaska
California
Wisconsin
Maine
Arizona
Arizona ranks 29th and California ranks 8th nationally for home insurance cost.
What This Means
Arizona vs California: Home Insurance Cost in context
California has a home insurance cost of $1,348/yr, compared with $2,605/yr in Arizona. Average annual home insurance premium for $250,000 in dwelling coverage (MoneyGeek 2026).
People Also Ask
Arizona vs California Home Insurance Cost — Common Questions
Q What is Arizona's home insurance cost?
Arizona's home insurance cost is $2,605/yr.
Q What is California's home insurance cost?
California's home insurance cost is $1,348/yr.
Q Which state has a lower home insurance cost — Arizona or California?
California has cheaper average home insurance than Arizona by $1,257.
More Comparisons: Arizona vs California
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Sources: Core demographic data comes from the 2020 U.S. Census, with land area from U.S. Census Bureau TIGER files. Income, housing, affordability, and tax fields are maintained in our comparison dataset; purchasing-power figures use BEA Regional Price Parities. Minimum wage data comes from the U.S. Department of Labor, gas prices from AAA, and electricity rates from the U.S. Energy Information Administration. Political control and election fields use 2024 presidential results together with National Conference of State Legislatures data. Gun-law labels use the Giffords scorecard, alcohol system data comes from NABCA, and marijuana status uses NCSL's state cannabis laws tracker.