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Coconino County, AZ Homeowners Insurance Quotes

Trying to find afforable homeowners insurance coverage in Coconino County can be difficult with so many options available locally and online. Plus, everywhere you turn it seems like rates are on the increase. For most of us, getting the right coverage means speaking with a home insurance professional that can help you find the right coverage at the price you can afford. Shopping online for cheaper Coconino County home insurance rates with GetHomeInsuranceQuotes.com allows you to get top quality service from the most competitive home insurance companies available in the state of Arizona. It's important for you to know the coverage options available for your home within Coconino County, that's why our experience staff of over 20+ years can answer any questions that you may have about your current and new home insurance policy needs. And most of all, we provide ways to help you apply additional discounts to lower your premium while still getting a complete coverage package. Start your online home insurance quote today!

For Coconino County, AZ homeowners, it's important to know that the average home insurance policy in Arizona is estimated to be around $72.17 per month. That amounts to $866 per year for a standard (HO-3) homeowners insurance policy for residents living in Coconino County. In comparison, the United States national average for homeowners insurance premiums is around 1,249 per year. Arizona is now ranked 46 in the country in terms of highest home insurance rates. You can easily get up to 12 free home insurance quotes for your home in Coconino County, AZ along with great consulting services so we can help you review which coverage policy is best for your needs. Most homeowners in your area need additional coverages based on certain preferences like a umbrella policy, extra wind and hail coverage, multiple auto insurance policies, wedding ring coverage or boat coverages. A simple HO-3 home insurance policy doesn't cover everything, that is why we can help you fine tune your Coconino County home insurance coverage to make sure you are covered when you need it the most.

For all Coconino County, AZ residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.


Are you looking for a homeowners insurance quote in Coconino County? Simply enter your zip code to get your Arizona homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Coconino County, AZ Housing Demographics

With 134,421 residents living within the Coconino County area there are over 63,321 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 29,656 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Coconino County.

DemographicValues
Total Occupied Households46,711
Family Households (families)29,656
Average Owner Occupied Household Size3
Average Family Size3
Total Housing Units63,321

Coconino County, AZ Home Insurance Average Premiums

Local Coconino, AZ homeowners insurance quotes comparison

$726 /yr.

Arizona's Average Home Insurance Rates Overall

For the state of Arizona, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 46 in the nation for highest premiums in the U.S.

Average RatingAnnual Premium
Minimum Range:$628 /yr.
Current Average Cost:$726 /yr.
Maximum Range:$866 /yr.

Arizona Homeowners Insurance News & Information

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

    Housing Crisis, Low prices. Graph, Residential Building, Built Structure, Chart, Home Finances, Recession, Arrow, Real estate. The housing market is falling. 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 […]

  • 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 […]

  • Upgrading Your Home Against Disasters Can Help Save You Money On Your Insurance Posted on Thursday 26th June, 2025

    Ron Watson’s roof on his Alabama home looks the same as all his neighbors’ roofs. Yet his is saving him money every year.  With the help of nails specifically designed to stay in place during high winds, along with other construction elements, Watson’s roof is less likely to be damaged in natural disasters, like hurricane […]

  • Should I consider climate changes when buying a new home? Posted on Saturday 21st June, 2025

    Climate change is on our doorstep, so now more than ever, it’s essential to consider the local climate when buying a new home. Not only is the current climate important, but experts suggest homeowners look towards the future. How will the next 10, 20 or 30 years impact your new purchase?  The increasing frequency of […]

  • Florida home insurance and hurricanes How to Prepare Before Hurricanes Threaten Florida Posted on Monday 19th May, 2025

    Hurricane season is quickly approaching and one of the most important things to do before a storm hits is to make sure your insurance coverage is up to date and your coverage levels are sufficient in the event your home is damaged by severe weather. Regardless of whether you own a home or are renting, […]

Discounts For Homeowners in Coconino County

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your Arizona homeowners insurance.

  • Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Coconino County, this discount can save you up to 20% on your home insurance premium.
  • Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Coconino County that do combine their home and auto can save over $500 with this discount.
  • Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Coconino County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
  • Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
  • Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.

Coconino County Housing & Real Estate Data

Details:Statistics
Total Housing Units63321
Occupied Housing Units46711
Vacant Housing Units16610
Vacant Housing Units for Rent1279
Vacant Housing Units Rented Not Occupied127
Vacant Housing Units For Sale854
Vacant Housing Units Sold Not Occupied96
Vacant Housing Units For Seasonal Occasional Use12057
Vacant Housing Units All Other Vacants2197
Housing Units Homeowner Vacancy Rate Percent3
Housing Units Rental Vacancy Rate Percent7
Housing Tenure Occupied Units46711
Housing Tenure Occupied Units Owner Occupied28443
Housing Tenure Occupied Units Owner Occupied Population78857
Housing Tenure Occupied Units Owner Occupied Averge Household Size3
Housing Tenure Occupied Units Renter Occupied18268
Housing Tenure Occupied Units Renter Occupied Population46730
Housing Tenure Occupied Units Renter Occupied Average Household Size3