Average homeowners insurance cost in Mesa, AZ

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

The average cost of homeowners insurance in Mesa is $2,642 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), based on Insure.com’s rate data analysis. It’s $60 more than the national average of $2,582.

However, homeowners insurance rates can vary drastically from one home to another. Home insurance rates in Mesa depend on a number of factors, including:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

To make sure you are getting the best deal on home insurance, it is important to get quotes from multiple insurers to find the right coverage for your needs. Read this guide to know how much homeowners insurance cost per month in Mesa, home insurance cost for different dwelling coverage, also know which companies offer cheap home insurance in Mesa.

In this guide, we will explain everything from what coverage options are available to which companies have the cheapest rates for homeowners insurance in Mesa.

Key takeaways

The average cost of homeowners insurance in Mesa is $2,642 per year.
State Farm is the cheapest homeowners insurance company in Mesa with an average annual premium of $1,596.
If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $617 more a year for home insurance.

Average homeowners insurance cost in Mesa per month

According to Insure.com’s rate analysis, residents of Mesa pay an average of $220 per month for homeowners insurance. This is $14 more than the state average of $206 and $5 more than the national average for home insurance across the United States. The cost of your homeowners insurance policy in Mesa can vary depending on your location, property value, and selected coverage options.

Average homeowners insurance cost for a $200,000 house in Mesa

The average cost of homeowners insurance in Mesa, AZ is $2,025 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The amount you pay for home insurance each year depends on many different things. The types of natural disasters or events that take place in your area affect how much you pay for coverage in your city.

Some areas are more at risk for natural disasters, like flood, hurricanes, or tornadoes. This means that if something happens, the cost of rebuilding would be higher in those areas, thereby leading to higher insurance premiums. Your insurance policy might not cover damage caused by floods or hurricanes. So, if you live in a flood-prone area, consider buying flood insurance coverage.

Average homeowners insurance cost for a $300,000 house in Mesa

As per rate analysis by Insure.com, homeowners residing in Mesa typically pay an average of $2,642 annually to insure a home for coverage limits of $300,000 dwelling, $100,000 liability protection with a $1,000 deductible.

Your home insurance rates will be increased by $617 if you increase your dwelling coverage from $200,000 to $300,000. It is advisable to buy enough insurance sufficient insurance to cover the entire cost of rebuilding your home. However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area.

Average homeowners insurance cost in Mesa by company

Among the carriers analyzed, State Farm is the most affordable homeowners insurance company in Mesa. It’s average annual rate for homeowners in Mesa is $1,596.

American Family, ranks second and Nationwide makes it to the third spot with an average annual home insurance rate of $1,869.

Research on the company is essential before selecting a homeowners insurance policy. Insure.com has thoroughly examined all insurance companies operating in Mesa and compiled a list of the most affordable home insurance companies.

Below are details of Mesa home insurance companies and their average annual premiums.

Home Insurance Company	Annual rate
State Farm	$1,596
American Family	$1,819
Allstate	$2,070
Farmers	$3,339
Travelers	$6,178
Nationwide	$1,869
USAA*	$2,233

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Mesa for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.