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If you live in the 85901 zip code, we can help you find a better homeowners insurance policy at a lower price. Homeowners within the city of Show Low 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 85901 and then compare quotes from a variety of nationwide insurance companies.

85901 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 85901 the average premium for homeowners coverage is $632 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 85901. 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 85901 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 Show Low, AZ home insurance quotes in your area.

85901 Home Insurance Average Premiums

Local 85901 homeowners insurance quotes comparison

$382 /yr.

Shows Zip Code: 85901 lowest rates with discounts applied on average.

For the 85901, 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)
$382 /yr.
Average Coverage:$632 /yr.
2600 sq. ft. or higher
(all discounts applied)
$932 /yr.

What is the average home insurance cost for a home in 85901?

  • • The average homeowners insurance premium paid annually for a home in 85901 is around $632 per year.

What does it cost on average per month for home insurance in 85901?

  • • Homeowners in 85901 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 85901?

  • • Autoowners in 85901 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 Show Low area, check out other zip codes nearby 85901.
Review average rates in another zip code:
85901 homeowners insurance rates

Home Replacement Cost Coverage in 85901

Average Building Cost Per Square Foot in 85901: $161

Location: Show Low, Arizona (Navajo County)

Average Square Footage in 85901: 1,204 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 85901 before you start any project. Show Low 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 85901 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 85901 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,204 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 Show Low 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$1611,204$193,800
Additional Upgrades & Added Features$2011,204$242,250
Major Home Updates or Advancements$2421,204$290,700

It's important to understand that when you estimate your replacement cost of your home in the 85901 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 85901

Shumway Insurance Agency

Address: 895 South Main Street Show Low, AZ 85901
Phone: (928)536-6600
Website: www.shumwayinsurance.com

Brown & Assoc Insurance

Address: PO Box 2019 Show Low, AZ 85901
Phone: (928)537-2135
Website: www.browninsurance.com

Best Home & Auto Insurance Agencies in 85901

Allstate Insurance Companies

Address: 50 S White Mountain Rd Show Low, AZ 85901
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

Shumway Insurance Agency

Address: 895 South Main Street Show Low, AZ 85901
Phone:
Website: http://www.shumwayinsurance.com
Info:

American Family Insurance

Address: 145 N White Mountain Rd Show Low, AZ 85901
Phone:
Website: http://www.amfam.com
Info: American Family Insurance | Auto Insurance, Car Insurance, Life, Homeowners & More
American Family Insurance offers affordable car insurance, homeowners insurance, life insurance, business insurance, annuities and more. auto insurance, car insurance, life insurance, homeowners insurance, business insurance, annuities

Rawlings- Louis J - State Farm Insurance Agent

Address: 960 E Deuce of Clubs Show Low, AZ 85901
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

Brown & Assoc Insurance

Address: PO Box 2019 Show Low, AZ 85901
Phone:
Website: http://www.browninsurance.com
Info:

Housing Demographics for 85901

Population Review for 85901 Zip Code

For the city of Show Low, the population within 85901 has increased to over 25,324 residents in population size. The current population total is 18,701. We have broken down the population based on race below. In 85901, there are over 9252 in male population and 9449 females.

PopulationValues
Total Population18,701
White Population15462
Black Population81
Hispanic Population2380
Asian Population183
Hawaiian Population10
Indian Population652
Other Population703
Male Population9252
Female Population9449
Population Estimate25324

Household Data for 85901

The average number of homes in 85901 is around 7,810, there are an average of 2.39 per household. The average house value according to local real estate values is around $193,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode7,810
Persons Per Household2.39
Average House Value$193,800
Income Per Household$52531
Median Age49.0
Median Age Male47.8
Median Age Female49.9
85901 DetailsValues
StateAZ
State Full NameArizona
City TypeP
City Alias Abbreviation
Area Code928
CityShow Low
City Alias NameSHOW LOW
CountyNavajo
County FIPS017
State FIPS04
Time Zone7
Day Light SavingN
MSA
PMSA
CSA
CBSA43320
CBSA_DIV
CBSA_TypeMicro
CBSA_NameShow Low, AZ
MSA_Name
PMSA_Name
RegionWest
DivisionMountain
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses551
Number Of Employees7160
Business First Quarter Payroll67857
Business Annual Payroll309036
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population107449
CBSA Division Population0
Congressional District02
Congressional LandArea7838.12
Delivery Residential10596
Delivery Business594
Delivery Total11165
Preferred Last Line KeyZ10833
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ10833
Land Area263.101000
Water Area0.825000
City Alias Code
City Mixed CaseShow Low
City Alias Mixed CaseShow Low
Box Count0
SFDU7103
MFDU2004
State ANSI04
County ANSI017
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number037918
Unique ZIP Name
SSA State County Code03080
Medicare CBSA Code99903
Medicare CBSA NameRural Areas in AZ
Medicare CBSA TypeMicro
Market Rating Area ID1
County Mixed CaseNavajo

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 […]