What Arizona households actually buy: data from Riseson's book
By Ben Freeman, Owner and Agent, Riseson Insurance. Figures as of September 11, 2026.
Riseson Insurance is an independent insurance agency in Tempe, Arizona. We work for our clients rather than for one insurance company, and we place home, auto, renters, condo and umbrella policies with 36 different carriers. That gives us a direct view of what Arizona households actually choose when they sit down with an agent: which liability limits, which deductibles, how much dwelling coverage, and whether they bundle.
This page publishes that view as aggregate statistics from our own book of business, as of September 11, 2026. Every figure shows the number of records behind it. No group smaller than eight records is shown, and nothing here identifies any client. We refresh the page each quarter and note what moved.
These figures describe Riseson's clients. They are not a survey of Arizona drivers or homeowners, and they are not a recommendation for any one household.
Auto coverage
Of 551 vehicles insured on 321 personal auto policies, 85% carry full coverage, meaning both comprehensive and collision, and 15% are insured for liability only. Most policies are all one or the other: 249 policies cover every vehicle with full coverage, 43 cover every vehicle for liability only, and 29 policies, about 1 in 11, mix the two.
Vehicle age is the clearest dividing line. The median full-coverage vehicle is 7 years old. The median liability-only vehicle is 16.
| Vehicle age | Vehicles | Full coverage |
|---|---|---|
| 0 to 3 years | 118 | 98% |
| 4 to 7 years | 132 | 95% |
| 8 to 12 years | 150 | 89% |
| 13 to 19 years | 93 | 68% |
| 20 years and older | 57 | 47% |
Liability limits
Limits are shown as bodily injury per person / bodily injury per accident / property damage, in thousands of dollars. Of 532 vehicles with liability limits recorded, the most common choice is 100/300/100. Arizona's legal minimum is 25/50/15.
| Limits | Vehicles | Share |
|---|---|---|
| 100/300/100 | 175 | 33% |
| 250/500/100 | 97 | 18% |
| 25/50/25 | 86 | 16% |
| 25/50/15 (Arizona minimum) | 59 | 11% |
| 50/100/50 | 51 | 10% |
| 250/500/250 | 27 | 5% |
| 100/300/50 | 13 | 2% |
The state minimum is far more common on liability-only vehicles. Among the 75 liability-only vehicles with limits recorded, 35% carry exactly 25/50/15 and the median bodily injury limit is $25,000 per person. Among the 457 full-coverage vehicles, 7% carry the minimum, the median bodily injury limit is $100,000 per person, and 69% carry $100,000 or more.
Deductibles
A $500 deductible is the most common choice for both comprehensive and collision, with $1,000 close behind. Of 476 vehicles with a comprehensive deductible, 51% carry $500 and 39% carry $1,000; 4% carry $100 and 2% carry $250. Of 469 vehicles with a collision deductible, 52% carry $500, 41% carry $1,000, 2% carry $250 and 2% carry $2,500.
Policies average 1.72 vehicles. 55% of auto policies insure a single vehicle.
Home, condo and renters coverage
We insure 331 property policies across 324 households. By policy form, 180 are HO-3 homeowners (54%), 102 are HO-4 renters (31%), 27 are HO-5 homeowners (8%) and 15 are HO-6 condo (5%). Among owner-occupied homes, 13% are written on the broader HO-5 form.
Dwelling coverage and premium
Of 189 owner-occupied policies with a dwelling limit (Coverage A) recorded, the median is $414,000, and the middle half of homes fall between $340,000 and $550,000.
| Dwelling coverage | Policies | Share | Median annual premium |
|---|---|---|---|
| Under $250,000 | 11 | 6% | not shown |
| $250,000 to $400,000 | 68 | 36% | $1,246 |
| $400,000 to $600,000 | 73 | 39% | $1,433 |
| $600,000 to $1,000,000 | 31 | 16% | $1,905 |
Across 177 owner-occupied policies with premium recorded, the median annual premium is $1,478, and the middle half pay between $1,122 and $1,929. That works out to $3.39 of premium per $1,000 of dwelling coverage. Premium is the annual amount for the current term as recorded in our system, before any mid-term changes.
Deductibles and coverage ratios
Of 167 owner-occupied policies with a dwelling deductible recorded, 67% carry $1,000, 17% carry $2,500, 5% carry $2,000 and 5% carry $5,000. 23% carry $2,500 or more. The median deductible equals 0.3% of the dwelling limit.
Supporting coverages mostly sit at the standard percentages of the dwelling limit. Of 173 owner-occupied policies, other structures coverage is 10% of the dwelling limit on 147 (85%). Personal property coverage is 50% of the dwelling limit on 126 (73%) and 70% on 20 (12%). Of 163 with loss-of-use recorded, 115 (71%) carry 20%, 26 carry 25% and 12 carry 30%.
Liability and renters coverage
Owner-occupied policies carry high personal liability limits almost without exception. Of 186 owner-occupied policies, 86% carry $300,000, 10% carry $500,000, and 97% carry $300,000 or more.
Renters choose lower limits. Of 102 renters policies, 75% carry $100,000 of personal liability and 23% carry $300,000. The median personal property (contents) limit on a renters policy is $30,000. 75% of renters policies carry no medical payments to others coverage.
Where the homes are
Of 331 property policies: Phoenix 113 (34%), Mesa 40 (12%), Tempe 25 (8%), Scottsdale 24 (7%), Gilbert 14 (4%), Chandler 13 (4%), Glendale 9 (3%) and Surprise 8 (2%). Cities with fewer than eight policies are not shown.
Bundling and carriers
We serve 498 households holding 800 personal lines policies, an average of 1.49 policies per household. 63% of households have one policy with us, 27% have two, and 10% have three or more.
293 households have an auto policy with us. Of those, 177 (60%) also have a home, condo or renters policy with us, so 36% of all households bundle auto with property. Looking from the other side, 58% of households with a property policy also have auto with us.
Bundling does not mean one company. Of the 177 households that bundle auto with a property policy, 66% have the two placed with different carriers. Across the whole book, 26% of households have policies with more than one carrier.
Umbrella coverage follows bundling. 7% of all households carry an umbrella policy. Among households that bundle home and auto with us, 19% do. Among auto-only households, 2% do.
Our book is spread across 36 carriers. The largest holds 13% of policies, the three largest together hold 37%, and 17 carriers each hold eight or more policies.
Of 498 households: Phoenix 123 (27%), Tempe 52 (12%), Mesa 45 (10%), Scottsdale 24 (5%), Chandler 17 (4%), Gilbert 15 (3%), Glendale 11 (2%) and Surprise 10 (2%).
Renewal premium changes
These figures describe what carriers offered households that stayed with the same carrier from one term to the next. They say nothing about households that changed carriers, and they are not a statement about any agency's service.
Across 140 same-carrier auto renewals effective in 2026, the median premium change was +0.4% and the average was +1.5%. The middle half of renewals fell between a 1.8% decrease and a 4.6% increase. 49% went up and 37% went down, with the rest unchanged. 10% rose more than 10% and 6% rose more than 20%. The median dollar change was $9 per year.
Across 109 same-carrier home renewals effective between late 2025 and September 2026, the median change was +7.3% and the average was +7.9%. The middle half fell between a 0.5% increase and a 15.1% increase. 74% went up and 20% went down. 39% rose more than 10% and 13% rose more than 20%. The median dollar change was $87 per year.
Methodology
Sources. Policy and coverage detail comes from our agency management system. Household, carrier and renewal detail comes from our customer relationship system, which syncs from the same policy records. Both were extracted on September 11, 2026 and cover active personal lines policies on that date.
Definitions. A household is one client account and all of its active personal lines policies. Full coverage means a vehicle carries both comprehensive and collision. Liability limits are shown as bodily injury per person / bodily injury per accident / property damage per accident, in thousands. Owner-occupied means HO-3 or HO-5. Premium is the annual premium for the current term. A renewal change compares consecutive terms of the same policy with the same carrier, so a six-month auto policy compares six months to six months and a home policy compares year to year.
Suppression. No statistic is shown for a group of fewer than eight records. Where a table cell would fall under eight, it is marked "not shown." One account with bulk placeholder location records was excluded from location counts.
Not published. Anything that could identify a client, any carrier-by-carrier pricing, any figure about individual accounts, and anything about households changing carriers.
Refresh schedule. Quarterly, in the first week of January, April, July and October. Each refresh re-dates the page and lists what moved more than two points since the prior quarter.
Citing this page. Riseson Insurance, "Arizona Insurance Data," Q3 2026, risesoninsurance.com/arizona-insurance-data. The aggregate figures on this page may be reused with attribution.
A note on reading these numbers
This is a description of one independent agency's clients in the Phoenix metro area. It is not a market study, and a figure being common does not make it right for you. Coverage decisions depend on your vehicles, your home, your assets and your tolerance for risk. The Arizona minimum liability limits cited here are set by state law and are re-verified against the Arizona Department of Insurance and Financial Institutions before each refresh. Nothing on this page is legal or insurance advice. If you would like to talk through your own coverage, a licensed agent at Riseson can walk through it with you.