Maricopa, AZ
Insuring your car and home in Maricopa, AZ
How Maricopa households can compare car and home coverage, with local Census data. A quote is not a binder.
In Maricopa (71,022 people), 63% of workers commute by driving alone, compared with 67% across Arizona. Homeownership runs at 84%.
Cars, commutes, and households in Maricopa
| Measure | Maricopa | Arizona |
|---|---|---|
| Drive alone to work | 63% | 67% |
| Carpool | 12% | 10% |
| Work from home | 22% | 18% |
| Commute of 45 minutes or more | 38% | 14% |
| Commute under 15 minutes | 21% | 25% |
| Households with no vehicle | 2% | 5% |
| Households with 3 or more vehicles | 27% | 23% |
Data: Census Bureau ACS 2020–2024 five-year estimates (commuting and vehicles available).
Maricopa commutes are longer than the Arizona norm, with 38% of workers driving 45-plus minutes. If your commute is short or you mostly work from home, ask about low-mileage or usage-based pricing.
With 22% of Maricopa workers based at home, many cars log fewer miles. Telematics or pay-per-mile programs can reward that.
27% of Maricopa households keep three or more vehicles, and 2% have none. Multi-car households can usually save by insuring every vehicle on one policy.
Maricopa homes and homeowners coverage
Census figures put Maricopa's median home value at $377,200 (Arizona: $394,500) and its median year built at 2007. 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 $350,000–$399,999 of dwelling coverage paying an average of $1,111; 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.
Required auto coverage for Maricopa drivers
The state minimum is 25/50/15. Additional requirement: none beyond liability. See our state minimums guide for how these compare across our ten states.
Bundling auto and home in Maricopa
With 84% of households owning their home, bundling is an option for most Maricopa families. Compare the bundle against separate quotes with the same limits and deductibles; the discount only matters if the total is lower.
Weather and road risks around Maricopa
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.
Maricopa compared with nearby cities
Casa Grande: 76% drive alone, 16% commute 45+ minutes, median home $303,900. Phoenix: 64% drive alone, 13% commute 45+ minutes, median home $420,700. Tucson shows 14% working from home and a median home value of $266,200. For share of 45-minute-plus commutes, Maricopa is 1st of 25 Arizona cities on this site.
What to have ready for a Maricopa quote
- Home details: size, age, construction
- Commute distance and typical yearly miles
- Accidents, tickets, and claims from the last five years
- Mortgage company for the home
- Your existing policies and renewal dates
- Drivers' names and dates of birth
Questions from Maricopa drivers and homeowners
What auto insurance is required in Maricopa?
Arizona requires liability of 25/50/15; none beyond liability.
How long are commutes in Maricopa?
About 38% of Maricopa workers commute 45 minutes or more and 21% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Maricopa?
Prices depend on the home and coverage. The NAIC's 2023 Arizona HO-3 average was $1,194; see the Arizona page.
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Last updated October 15, 2026 · How we research