Buckeye, AZ
Insuring your car and home in Buckeye, AZ
How Buckeye households can compare car and home coverage, with local Census data. A quote is not a binder.
Buckeye has about 108,909 residents in Maricopa County. 68% of its workers drive to work alone and 86% of households own their home, so most families here need both a car policy and a homeowners policy.
Buckeye driving profile
| Measure | Buckeye | Arizona |
|---|---|---|
| Drive alone to work | 68% | 67% |
| Carpool | 10% | 10% |
| Work from home | 20% | 18% |
| Commute of 45 minutes or more | 30% | 14% |
| Commute under 15 minutes | 14% | 25% |
| Households with no vehicle | 3% | 5% |
| Households with 3 or more vehicles | 26% | 23% |
Source: U.S. Census Bureau, American Community Survey 5-year estimates, 2020–2024 (tables B08301, B08303, B25044, B25003, B25077, B25035), via Census Reporter.
Long commutes are longer in Buckeye than statewide: 30% of workers spend 45 minutes or more getting to work. Annual mileage is one of the factors insurers use for auto pricing, so give an honest estimate for each car.
With 20% of Buckeye workers based at home, many cars log fewer miles. Telematics or pay-per-mile programs can reward that.
In Buckeye, 3% of households live without a car while 26% have three or more. Teen drivers and extra vehicles change pricing more than almost anything else.
Owning a home in Buckeye
Census figures put Buckeye's median home value at $419,800 (Arizona: $394,500) and its median year built at 2011. Older homes raise questions about roofs, wiring, and plumbing; newer ones may qualify for new-home credits.
NAIC data for 2023 show Arizona HO-3 policyholders with $400,000–$449,999 of dwelling coverage paying an average of $1,179; the all-amounts state average was $1,194.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Legal minimums on the road in Buckeye
Drivers in Buckeye must carry Arizona's minimum of 25/50/15 in liability coverage (none beyond liability). Homeowners usually carry more, since a judgment above your limits can reach savings and home equity.
One insurer or two for a Buckeye household
With 86% of households owning their home, bundling is an option for most Buckeye families. Compare the bundle against separate quotes with the same limits and deductibles; the discount only matters if the total is lower.
Local risks for Buckeye cars and homes
Insurers in Arizona price for monsoon dust storms and microbursts and extreme summer heat. Comprehensive coverage handles weather damage to your car, while your homeowners policy handles the house, each with its own deductible.
County hazard detail: FEMA National Risk Index.
Buckeye compared with nearby cities
Phoenix: 64% drive alone, 13% commute 45+ minutes, median home $420,700. Mesa shows 19% working from home and a median home value of $408,000. Chandler: 63% drive alone, 11% commute 45+ minutes, median home $507,800. For share of 45-minute-plus commutes, Buckeye is 2nd of 25 Arizona cities on this site.
Gathering details for a Buckeye auto and home quote
- Vehicle year, make, model, and VIN
- Your Buckeye address, square footage, and year built
- Liability limits you want
- Lender name and loan number
- Commute distance and typical yearly miles
- Drivers' names and dates of birth
Questions from Buckeye drivers and homeowners
What auto insurance is required in Buckeye?
Arizona requires liability of 25/50/15; none beyond liability.
How long are commutes in Buckeye?
About 30% of Buckeye workers commute 45 minutes or more and 14% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Buckeye?
There is no single price. As context, Arizona HO-3 policies averaged $1,194 in 2023 (NAIC), and averages rise with dwelling coverage.
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Last updated October 15, 2026 · How we research