Goodyear, AZ
Insuring your car and home in Goodyear, AZ
Commute, vehicle, and housing data for Goodyear, plus what it means for your auto and homeowners quotes. A quote is not a binder.
Two numbers frame insurance in Goodyear: 78% of households are homeowners, and 69% of commuters drive alone. With a population near 111,805, that adds up to a lot of households insuring a house and at least one vehicle.
Goodyear commuting and vehicle data
| Measure | Goodyear | Arizona |
|---|---|---|
| Drive alone to work | 69% | 67% |
| Carpool | 7% | 10% |
| Work from home | 22% | 18% |
| Commute of 45 minutes or more | 22% | 14% |
| Commute under 15 minutes | 19% | 25% |
| Households with no vehicle | 2% | 5% |
| Households with 3 or more vehicles | 29% | 23% |
Census ACS five-year estimates, 2020–2024, accessed through Census Reporter.
Long commutes are longer in Goodyear than statewide: 22% 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.
Remote work is common here: 22% of workers mostly work from home. A car that sits most of the week may qualify for a low-mileage discount.
Vehicle counts vary: 29% of households in Goodyear have at least three vehicles (Arizona: 23%). A multi-car policy, combined with homeowners, often earns the biggest stack of discounts.
The Goodyear homeowners picture
Homes in Goodyear carry a median value of $471,300 and a median construction year of 2007. Those two facts drive much of a homeowners quote: how much it costs to rebuild, and how old the major systems are.
NAIC data for 2023 show Arizona HO-3 policyholders with $450,000–$499,999 of dwelling coverage paying an average of $1,271; 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.
Arizona auto minimums that apply in Goodyear
Arizona requires liability limits of at least 25/50/15. Other required coverage: none beyond liability. Those are floors; with Goodyear's median home value at $471,300, most homeowners choose much higher liability limits to protect their equity.
Should Goodyear homeowners bundle?
A bundle can simplify life in Goodyear: one renewal date, one claim contact after a storm, and an easier path to an umbrella policy. Read our bundling guide before you decide.
Local risks for Goodyear cars and homes
Plan for monsoon dust storms and microbursts, along with extreme summer heat. Check your wind or hail deductible on the home policy and your comprehensive deductible on the car.
County hazard detail: FEMA National Risk Index.
How Goodyear compares in Arizona
Phoenix shows 19% working from home and a median home value of $420,700. Mesa: 66% drive alone, 11% commute 45+ minutes, median home $408,000. Chandler shows 25% working from home and a median home value of $507,800. Goodyear ranks 5th for long commutes among the 25 Arizona cities we profile.
Gathering details for a Goodyear auto and home quote
- Your Goodyear address, square footage, and year built
- Recent claims or violations
- Commute distance and typical yearly miles
- Everyone in the household who drives
- Target limits and deductibles
- Vehicle year, make, model, and VIN
Goodyear auto and home insurance FAQ
What auto insurance is required in Goodyear?
Arizona requires liability of 25/50/15; none beyond liability.
How long are commutes in Goodyear?
About 22% of Goodyear workers commute 45 minutes or more and 19% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Goodyear?
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