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If you live in the 85258 zip code, we can help you find a better homeowners insurance policy at a lower price. Homeowners within the city of Scottsdale have saved hundreds of dollars on their annual premium when using GetHomeInsuranceQuotes.com.

Our service is always free and we not only find a great policy for you, our AZ licensed agents will provide you with a free consultation to discuss your coverage needs and answer any questions you may have regarding policy coverages or rates.

It is easy to start shopping for a new policy, just click on the "Get Multiple Quotes Now" button below, confirm your 85258 and then compare quotes from a variety of nationwide insurance companies.

85258 Average Homeowners Insurance Rates

If you are shopping for a HO-3 policy, which is considered the standard when it comes to homeowners insurance, we can help. In 85258 the average premium for homeowners coverage is $550 which compares very well to the national average of $1,249.

Our site makes it easy for you to find the insurer that offers the best coverage at the best rate in 85258. We are happy to answer any questions you may have and explain the different type of coverage while helping you determine what coverage levels are best for your family.

Get Free Home Insurance Quotes in 85258 Today!

We can help you find up to 12 homeowners insurance quotes quickly and from the comfort of your own home. In addition, we can do a discount review to make sure you are getting all available discounts on your policy.

Click to review the best Scottsdale, AZ home insurance quotes in your area.

85258 Home Insurance Average Premiums

Local 85258 homeowners insurance quotes comparison

$300 /yr.

Shows Zip Code: 85258 lowest rates with discounts applied on average.

For the 85258, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$300 /yr.
Average Coverage:$550 /yr.
2600 sq. ft. or higher
(all discounts applied)
$850 /yr.

What is the average home insurance cost for a home in 85258?

  • • The average homeowners insurance premium paid annually for a home in 85258 is around $550 per year.

What does it cost on average per month for home insurance in 85258?

  • • Homeowners in 85258 pay a monthly average cost per month around $46.00.

What kind of discount could I get if I combine my home and auto insurance together in 85258?

  • • Autoowners in 85258 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

You can easily shop and compare home insurance rates within Scottsdale, check out other zip codes nearby 85258.
To review average rates in another zip code, click on a zip code below:
85250  |  85262  |  85257  |  85254  |  85259  |  85251  |  85255  |  85256  |  85260  |  85258  | 

Home Replacement Cost Coverage in 85258

Average Building Cost Per Square Foot in 85258: $161

Location: Scottsdale, Arizona (Maricopa County)

Average Square Footage in 85258: 3,670 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 85258 before you start any project. Scottsdale homeowners pay on average around $161 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 85258 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 85258 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 3,670 sq. ft. and the average cost to rebuild the home in this area is around $161 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Scottsdale area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$1613,670$590,800
Additional Upgrades & Added Features$2013,670$738,500
Major Home Updates or Advancements$2423,670$886,200

It's important to understand that when you estimate your replacement cost of your home in the 85258 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 85258

Allstate Insurance - Bob Marley

Address: 10135e Via Linda 219 Scottsdale, AZ 85258
Phone: (480)451-3717
Website:

Best Home & Auto Insurance Agencies in 85258

Allstate Insurance - Bob Marley

Address: 10135 E Via Linda, #219 Scottsdale, AZ 85258
Phone:
Website:
Info:

Allstate Insurance Companies

Address: 8180 N Hayden Rd Scottsdale, AZ 85258
Phone:
Website: http://www.allstate.com
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
Allstate auto insurance quotes and anonymous ballpark estimates to help protect you, your family and your automobile. Insurance and financial products include car insurance, home insurance, business insurance, life insurance, IRAs and annuities. car insurance, auto insurance quote, vehicle insurance, free online insurance quotes, rate quote, life insurance, annuities, mutual funds, IRAs, allstate insurance agent, allstate.com

Blair- Dennis W

Address: 9333 N 90th St Scottsdale, AZ 85258
Phone:
Website:
Info:

George Day Ins Agcy Inc - State Farm Insurance Agent

Address: 8075 E Morgan Trl Scottsdale, AZ 85258
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

Sentry Insurance - Sales

Address: 8777 N Gainey Center Dr, #190 Scottsdale, AZ 85258
Phone:
Website:
Info:

Housing Demographics for 85258

Population Review for 85258 Zip Code

For the city of Scottsdale, the population within 85258 has increased to over 28,814 residents in population size. The current population total is 25,203. We have broken down the population based on race below. In 85258, there are over 11738 in male population and 13465 females.

PopulationValues
Total Population25,203
White Population21621
Black Population272
Hispanic Population1663
Asian Population1092
Hawaiian Population27
Indian Population75
Other Population395
Male Population11738
Female Population13465
Population Estimate28814

Household Data for 85258

The average number of homes in 85258 is around 12,610, there are an average of 2.00 per household. The average house value according to local real estate values is around $590,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode12,610
Persons Per Household2.00
Average House Value$590,800
Income Per Household$96066
Median Age55.6
Median Age Male54.2
Median Age Female56.8
85258 DetailsValues
StateAZ
State Full NameArizona
City TypeP
City Alias Abbreviation
Area Code480
CityScottsdale
City Alias NameSCOTTSDALE
CountyMaricopa
County FIPS013
State FIPS04
Time Zone7
Day Light SavingN
MSA6200
PMSA
CSA429
CBSA38060
CBSA_DIV
CBSA_TypeMetro
CBSA_NamePhoenix-Mesa-Chandler, AZ
MSA_NamePhoenix-Mesa, AZ MSA
PMSA_Name
RegionWest
DivisionMountain
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses1786
Number Of Employees31034
Business First Quarter Payroll682137
Business Annual Payroll2484623
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population4192887
CBSA Division Population0
Congressional District01
Congressional LandArea55039.61
Delivery Residential14407
Delivery Business1692
Delivery Total18929
Preferred Last Line KeyZ10821
Classification Code
Multi-County
CSA NamePhoenix-Mesa, AZ
CBSA_DIV_Name
City State KeyZ10821
Land Area10.307000
Water Area0.255000
City Alias Code
City Mixed CaseScottsdale
City Alias Mixed CaseScottsdale
Box Count0
SFDU1658
MFDU4581
State ANSI04
County ANSI013
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number037659
Unique ZIP Name
SSA State County Code03060
Medicare CBSA Code38060
Medicare CBSA NamePhoenix-Mesa-Chandler, AZ
Medicare CBSA TypeMetro
Market Rating Area ID4
County Mixed CaseMaricopa

Arizona Homeowners Insurance News & Information

  • What causes North Carolina home insurance to go up? Posted on Monday 7th July, 2025

    A homeowner in North Carolina was greeted with a nasty surprise this year, a 41% increase in his insurance premium.  On average, homeowners in North Carolina saw a rate jump of 7.5% on June 1st due to a settlement reached by the North Carolina Department of Insurance but this certainly doesn’t explain a 41% increase.  Doug Corkhill is […]

  • Is the U.S. Home Buying Market Going to Drop in 2025? Posted on Friday 4th July, 2025

    A recent report from the Harvard Joint Center for Housing Studies found that U.S. homebuying has dropped to its lowest levels since the mid-1990s. The report, The State of the Nation’s Housing 2025 blames record high real estate prices combined with higher interests for the drop in home sales.  While high home prices and elevated interest rates […]

  • Florida Homeowners Are Concerned About Property Insurance Crisis Posted on Tuesday 1st July, 2025

    Insurance rates are rising at unprecedented rates, causing millions of people to struggle with the new premiums.  In the last three years, insurance rates have doubled in some areas. Homeowners fear for their houses while their representatives in Congress struggle to help.  Insurers are pulling out of states like Florida as damaging hurricanes and powerful […]