Housing

Arizona vs New York: Home Insurance Cost

New York has cheaper average home insurance than Arizona by $1,049.

Arizona flag
Arizona
AZ · West
$2,605/yr
Average annual home insurance premium for $250,000 in dwelling coverage (MoneyGeek 2026).
New York flag
New York
NY · Northeast
Winner
$1,556/yr
Average annual home insurance premium for $250,000 in dwelling coverage (MoneyGeek 2026).

Visual comparison

Arizona$2,605/yr
New York$1,556/yr

Difference: $1,049 — New York leads.

National Rankings

Where They Rank Nationally

See where both states fall among all 50 states for home insurance cost.

Arizona #29 · $2,605/yr
New York #13 · $1,556/yr
Best Worst

10 Best States — Home Insurance Cost

Lower is better
#1 Hawaii flag Hawaii
$601/yr
#2 Delaware flag Delaware
$976/yr
#3 Vermont flag Vermont
$1,054/yr
#4 Oregon flag Oregon
$1,083/yr
#5 New Hampshire flag New Hampshire
$1,152/yr
#6 Nevada flag Nevada
$1,212/yr
#7 Alaska flag Alaska
$1,323/yr
#8 California flag California
$1,348/yr
#9 Wisconsin flag Wisconsin
$1,388/yr
#10 Maine flag Maine
$1,424/yr
Selected states
#29 Arizona flag Arizona
$2,605/yr
#13 New York flag New York
$1,556/yr

Arizona ranks 29th and New York ranks 13th nationally for home insurance cost.

What this means

Arizona vs New York: Home Insurance Cost in context

New York's home insurance cost is $1,556/yr, compared with $2,605/yr in Arizona. Average annual home insurance premium for $250,000 in dwelling coverage (MoneyGeek 2026).

Arizona
$2,605/yr
New York
$1,556/yr
Difference
$1,049

People also ask

Arizona vs New York Home Insurance Cost — common questions

QWhat is Arizona's home insurance cost?

Arizona's home insurance cost is $2,605/yr.

QWhat is New York's home insurance cost?

New York's home insurance cost is $1,556/yr.

QWhich state has a lower home insurance cost — Arizona or New York?

New York has cheaper average home insurance than Arizona by $1,049.

More comparisons: Arizona vs New York

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Full comparison
Median Housing Value Median Gross Rent Median Monthly Owner Costs With Mortgage Owner Costs Without Mortgage Homeownership Rate Home Value to Income Ratio Rent to Income Ratio Owner Costs to Income

Explore each state

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Data source and freshness

Primary source
MoneyGeek — Home Insurance by State
Data period
2026 comparison
Dataset reviewed
July 23, 2026
Method note
Illustrative annual premium for the stated dwelling coverage; actual quotes vary.