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Compare 85648 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Rio Rico just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 6,546 neighbors looking to save on their home insurance policy in the local 85648 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 85648. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Arizona rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Rio Rico, AZ home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Rio Rico, AZ

85648 Home Insurance Average Premiums

Local 85648 homeowners insurance quotes comparison

$436 /yr.

Shows Zip Code: 85648 lowest rates with discounts applied on average.

For the 85648, 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)		$436 /yr.
Average Coverage:$686 /yr.
2600 sq. ft. or higher
(all discounts applied)		$986 /yr.

What is the average home insurance cost for a home in 85648?

  • • The average homeowners insurance premium paid annually for a home in 85648 is around $686 per year.

What does it cost on average per month for home insurance in 85648?

  • • Homeowners in 85648 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 85648?

  • • Autoowners in 85648 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 Rio Rico area, check out other zip codes nearby 85648.
Review average rates in another zip code:
85648 homeowners insurance rates

Home Replacement Cost Coverage in 85648

Average Building Cost Per Square Foot in 85648: $161

Location: Rio Rico, Arizona (Santa Cruz County)

Average Square Footage in 85648: 1,017 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 85648 before you start any project. Rio Rico 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 85648 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 85648 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,017 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 Rio Rico 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$1611,017$163,700
Additional Upgrades & Added Features$2011,017$204,625
Major Home Updates or Advancements$2421,017$245,550

It's important to understand that when you estimate your replacement cost of your home in the 85648 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 85648

Best Home & Auto Insurance Agencies in 85648

Housing Demographics for 85648

Population Review for 85648 Zip Code

For the city of Rio Rico, the population within 85648 has increased to over 22,893 residents in population size. The current population total is 20,720. We have broken down the population based on race below. In 85648, there are over 10008 in male population and 10712 females.

PopulationValues
Total Population20,720
White Population6365
Black Population85
Hispanic Population18044
Asian Population132
Hawaiian Population10
Indian Population220
Other Population6836
Male Population10008
Female Population10712
Population Estimate22893

Household Data for 85648

The average number of homes in 85648 is around 6,546, there are an average of 3.17 per household. The average house value according to local real estate values is around $163,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode6,546
Persons Per Household3.17
Average House Value$163,700
Income Per Household$54563
Median Age36.0
Median Age Male34.9
Median Age Female37.0
85648 DetailsValues
StateAZ
State Full NameArizona
City TypeB
City Alias Abbreviation
Area Code520
CityRio Rico
City Alias NameRIO RICO
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 Businesses251
Number Of Employees2512
Business First Quarter Payroll26353
Business Annual Payroll113710
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 Residential7222
Delivery Business151
Delivery Total7648
Preferred Last Line KeyZ10787
Classification Code
Multi-County
CSA NameTucson-Nogales, AZ
CBSA_DIV_Name
City State KeyZ10787
Land Area215.428000
Water Area0.324000
City Alias Code
City Mixed CaseRio Rico
City Alias Mixed CaseRio Rico
Box Count215
SFDU2198
MFDU61
State ANSI04
County ANSI023
ZIP Intro
Alias Intro
Facility CodeB
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

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  • Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025

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  • Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024

    Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies.  Here are some common exclusions that could leave you […]