Cheap real-estate, few natural disasters and other factors have helped keep homeowners-insurance premiums down in Arizona.
National Association of Insurance Commissioners reports Arizona homeowners paid $634 on average for the most common type of policy in 2007, the most recent year for which data was tracked. That was well below the $822 average insurance bill paid by other Americans.
Also, Arizona was one of only 11 states where average premiums dipped from 2006 to 2007.
Residents often faced with hurricanes, tornados, earthquakes and other natural disasters faced the highest insurance bills. Those include the states of Florida, Texas and Louisiana.
Urban areas including Washington, D.C. New York and the state of California also had relatively high homeowners insurance premiums.