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85746 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 85746? There are over 14,825 occupied homes in the 85746 area. With a population size of 43,278, it's not uncommon for residence of Tucson, AZ to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Arizona is around $682 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 85746 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Tucson, AZ Home Insurance Rate Quotes

85746 Home Insurance Average Premiums

Local 85746 homeowners insurance quotes comparison

$432 /yr.

Shows Zip Code: 85746 lowest rates with discounts applied on average.

For the 85746, 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)
$432 /yr.
Average Coverage:$682 /yr.
2600 sq. ft. or higher
(all discounts applied)
$982 /yr.

What is the average home insurance cost for a home in 85746?

  • • The average homeowners insurance premium paid annually for a home in 85746 is around $682 per year.

What does it cost on average per month for home insurance in 85746?

  • • Homeowners in 85746 pay a monthly average cost per month around $57.00.

What kind of discount could I get if I combine my home and auto insurance together in 85746?

  • • Autoowners in 85746 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 Tucson, check out other zip codes nearby 85746.
To review average rates in another zip code, click on a zip code below:
85742  |  85748  |  85714  |  85739  |  85757  |  85704  |  85711  |  85719  |  85707  |  85745  | 

Home Replacement Cost Coverage in 85746

Average Building Cost Per Square Foot in 85746: $161

Location: Tucson, Arizona (Pima County)

Average Square Footage in 85746: 1,010 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 85746 before you start any project. Tucson 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 85746 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 85746 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,010 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 Tucson 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$1611,010$162,600
Additional Upgrades & Added Features$2011,010$203,250
Major Home Updates or Advancements$2421,010$243,900

It's important to understand that when you estimate your replacement cost of your home in the 85746 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 85746

Best Home & Auto Insurance Agencies in 85746

Allstate Insurance Companies

Address: 3036 W Valencia Rd Tucson, AZ 85746
Phone:
Website: http://www.allstateagencies.com
Info:

Ives- Kani K - State Farm Insurance Agent

Address: 1625 W Valencia Rd, #107 Tucson, AZ 85746
Phone:
Website:
Info:

Molina- Eugene G - State Farm Insurance Agent

Address: 2160 W Holladay St Tucson, AZ 85746
Phone:
Website:
Info:

Castillo- Gilbert - State Farm Insurance Agent

Address: 3000 W Valencia Rd, #234 Tucson, AZ 85746
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
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Housing Demographics for 85746

Population Review for 85746 Zip Code

For the city of Tucson, the population within 85746 has increased to over 42,541 residents in population size. The current population total is 43,278. We have broken down the population based on race below. In 85746, there are over 21159 in male population and 22119 females.

PopulationValues
Total Population43,278
White Population14597
Black Population988
Hispanic Population30942
Asian Population470
Hawaiian Population71
Indian Population3649
Other Population11833
Male Population21159
Female Population22119
Population Estimate42541

Household Data for 85746

The average number of homes in 85746 is around 14,825, there are an average of 2.91 per household. The average house value according to local real estate values is around $162,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode14,825
Persons Per Household2.91
Average House Value$162,600
Income Per Household$59097
Median Age36.2
Median Age Male34.9
Median Age Female37.6
85746 DetailsValues
StateAZ
State Full NameArizona
City TypeP
City Alias Abbreviation
Area Code520
CityTucson
City Alias NameTUCSON
CountyPima
County FIPS019
State FIPS04
Time Zone7
Day Light SavingN
MSA8520
PMSA
CSA536
CBSA46060
CBSA_DIV
CBSA_TypeMetro
CBSA_NameTucson, AZ
MSA_NameTucson, AZ MSA
PMSA_Name
RegionWest
DivisionMountain
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses328
Number Of Employees5532
Business First Quarter Payroll43563
Business Annual Payroll188004
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population980263
CBSA Division Population0
Congressional District07
Congressional LandArea205.12
Delivery Residential14619
Delivery Business248
Delivery Total18045
Preferred Last Line KeyZ10945
Classification Code
Multi-County
CSA NameTucson-Nogales, AZ
CBSA_DIV_Name
City State KeyZ10945
Land Area115.863000
Water Area0.000000
City Alias Code
City Mixed CaseTucson
City Alias Mixed CaseTucson
Box Count0
SFDU7419
MFDU2110
State ANSI04
County ANSI019
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number038880
Unique ZIP Name
SSA State County Code03090
Medicare CBSA Code46060
Medicare CBSA NameTucson, AZ
Medicare CBSA TypeMetro
Market Rating Area ID6
County Mixed CasePima

Arizona Homeowners Insurance News & Information

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  • Top 10 States That Have the Highest Rates of Uninsured Homes Posted on Tuesday 22nd April, 2025

    As recent headlines have made clear, climate change has led to more frequent extreme weather events which has led to a rise in homeowner insurance claims. As insurers deal with an increased number of claims, they pass those additional costs onto homeowners via higher premiums, regardless of whether you have filed a claim or not.  […]

  • 2025 Spring Cleaning Insurance Tips for Homeowners Posted on Monday 31st March, 2025

    Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance.  We thought it might be a good idea to look at some spring cleaning and maintenance […]