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Find the Best Home Insurance Rates in 85621

Shopping for homeowners insurance in 85621 is never fun, but it is a necessity if you want to find the best policy for your home while also keeping your premium affordable. If you live in Nogales, AZ and want to enhance your homeowners coverage while decreasing your annual premium, then let us help you shop the best rates and coverage options.

We can easily shop up to 12 competitive insurance companies so you can compare rates and coverage levels in the privacy of your own home. As an added bonus, our Arizona licensed agents will help you sort through your insurance options and answer any questions you may have about coverages and rates. As always, our service is completely free.

If you are ready to start searching for a new policy, simply click on the "Get Multiple Quotes Now" button. Your 85621 should populate in the zip code field and then you are ready to go. Enter some basic information on your home and we will get started on your quotes.

Home Insurance Rate Quotes in 85621

Find Nogales, AZ Homeowners Insurance Quotes to review the best coverage options in your area.

85621 Home Insurance Rating is: very low!

In 85621 the average premium is $639. We can help you save up to 40 percent off of the average premium by having up to 12 highly rated nationwide insurers compete for your business. Our agents will also do a professional analysis of your policy options to make sure you are getting the coverage you need at the best price.

A Quick Tip: For homeowners living in 85621, always keep an updated home inventory. This can be a game changer in the event you have to make a claim. It will make the claim process go quicker and ensure that you are fully and fairly reimbursed for your loss. There are tons of home inventory apps online that can make the tedious job of putting together an inventory quick and easy. As a bonus, your inventory is stored in the cloud so you always have access to it.

Start shopping for a great new policy right now. Get Multiple Home Insurance Rates in 85621!

85621 Home Insurance Average Premiums

Local 85621 homeowners insurance quotes comparison

$389 /yr.

Shows Zip Code: 85621 lowest rates with discounts applied on average.

For the 85621, 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)
$389 /yr.
Average Coverage:$639 /yr.
2600 sq. ft. or higher
(all discounts applied)
$939 /yr.

What is the average home insurance cost for a home in 85621?

  • • The average homeowners insurance premium paid annually for a home in 85621 is around $639 per year.

What does it cost on average per month for home insurance in 85621?

  • • Homeowners in 85621 pay a monthly average cost per month around $53.00.

What kind of discount could I get if I combine my home and auto insurance together in 85621?

  • • Autoowners in 85621 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.

For shopping home insurance rates within the Nogales area, check out other zip codes nearby 85621.
Review average rates in another zip code:
85621 homeowners insurance rates

Home Replacement Cost Coverage in 85621

Average Building Cost Per Square Foot in 85621: $161

Location: Nogales, Arizona (Santa Cruz County)

Average Square Footage in 85621: 852 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 85621 before you start any project. Nogales 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 85621 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 85621 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 852 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 Nogales 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$161852$137,200
Additional Upgrades & Added Features$201852$171,500
Major Home Updates or Advancements$242852$205,800

It's important to understand that when you estimate your replacement cost of your home in the 85621 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 85621

Allstate Insurance-Nogales Insurance Agency Inc.

Address: 545 N Grand Ave Ste 4 Nogales, AZ 85621
Phone: (520)287-0837
Website: agent.allstate.com/82821

Best Home & Auto Insurance Agencies in 85621

Allstate Insurance-Nogales Insurance Agency Inc.

Address: 545 N Grand Ave, #4 Nogales, AZ 85621
Phone:
Website: http://www.agent.allstate.com/82821
Info:

Allstate Auto Insurance

Address: 240 E Hudgins St Nogales, AZ 85621
Phone:
Website:
Info:

Allstate Insurance Companies

Address: 545 N Grand Ave Nogales, AZ 85621
Phone:
Website: http://www.allstateagencies.com
Info:

Irons- Lee

Address: 521 W Valle Verde Pl Nogales, AZ 85621
Phone:
Website:
Info:

Arizona Associated Agencies

Address: 204 W Mariposa Rd Nogales, AZ 85621
Phone:
Website: http://www.dexknows.com/rd?dku=http://www.dexknows.com/business_profiles/arizona_associated_agencies-b1485456&mkt=63801
Info:

Housing Demographics for 85621

Population Review for 85621 Zip Code

For the city of Nogales, the population within 85621 has increased to over 21,351 residents in population size. The current population total is 21,730. We have broken down the population based on race below. In 85621, there are over 10044 in male population and 11686 females.

PopulationValues
Total Population21,730
White Population5390
Black Population74
Hispanic Population20453
Asian Population151
Hawaiian Population1
Indian Population187
Other Population6662
Male Population10044
Female Population11686
Population Estimate21351

Household Data for 85621

The average number of homes in 85621 is around 7,599, there are an average of 2.84 per household. The average house value according to local real estate values is around $137,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode7,599
Persons Per Household2.84
Average House Value$137,200
Income Per Household$32613
Median Age38.3
Median Age Male34.5
Median Age Female40.9
85621 DetailsValues
StateAZ
State Full NameArizona
City TypeP
City Alias Abbreviation
Area Code520
CityNogales
City Alias NameNOGALES
CountySanta Cruz
County FIPS023
State FIPS04
Time Zone7
Day Light SavingN
MSA
PMSA
CSA536
CBSA35700
CBSA_DIV
CBSA_TypeMicro
CBSA_NameNogales, AZ
MSA_Name
PMSA_Name
RegionWest
DivisionMountain
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses625
Number Of Employees7140
Business First Quarter Payroll69326
Business Annual Payroll299867
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population47420
CBSA Division Population0
Congressional District07
Congressional LandArea205.12
Delivery Residential7518
Delivery Business1085
Delivery Total8050
Preferred Last Line KeyZ10710
Classification Code
Multi-County
CSA NameTucson-Nogales, AZ
CBSA_DIV_Name
City State KeyZ10710
Land Area284.931000
Water Area0.490000
City Alias Code
City Mixed CaseNogales
City Alias Mixed CaseNogales
Box Count0
SFDU3117
MFDU316
State ANSI04
County ANSI023
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number035698
Unique ZIP Name
SSA State County Code03110
Medicare CBSA Code99903
Medicare CBSA NameRural Areas in AZ
Medicare CBSA TypeMicro
Market Rating Area ID6
County Mixed CaseSanta Cruz

Arizona Homeowners Insurance News & Information

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges.  Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]