Renters insurance in Arizona: Cost, best companies and how to save

What is the average cost of renters insurance in Arizona?

The average renters insurance cost in Arizona is $237 per year. Rates vary based on factors such as location, coverage amount, deductible, and claims history.

"The number one thing that's most important is to get good liability. A renter's policy will default to $100,000 liability," Josiah Hatch, an insurance pro with Bender Hatch Insurance in Boston, said. "It costs next to nothing to go from $100,000 to $500,000. I want to say it's probably 10 bucks a year. It's really cheap to get a lot of extra coverage. I always recommend getting the most liability you can because that's, at its core, what insurance is all about: the worst-case scenario."

Average annual premium	$237
Average monthly premium	$20

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Best renters insurance company in Arizona: American Family

American Family ranks as the best renters insurance company in Arizona, earning a top score among the carriers we surveyed. Its average rate is $223 per year.

State Farm and Allstate are also among the top insurance companies for renters insurance in Arizona.

Renters insurance rates vary significantly among providers, so you should compare options before choosing. You should also select a company with a good reputation to ensure it will be there if you have a claim.

To help you find the best renters insurance in Arizona, we evaluated average rates, NAIC complaints ratio, and AM Best financial ratings. We calculated the total Insurance.com score out of five using these factors.

Here are the best renters insurance companies in Arizona.

Company	Average annual premium	AM Best	NAIC	Insurance.com rating
American Family	$223	A	0.37	5
State Farm	$163	A++	0.95	4.11
Allstate	$231	A+	0.9	3.82
Travelers	$446	A++	0.54	3.72
Nationwide	$385	A+	0.87	3.16

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Cheapest renters insurance in Arizona

Our analysis shows that State Farm is the cheapest renters insurance company in Arizona, with an average annual premium of $163.

Renters insurance rates can differ greatly between providers, so it's best to compare quotes to find affordable coverage that meets your needs.

Here is the list of the cheapest renters insurance companies in Arizona along with their average annual premiums.

Company name	Average annual premium
State Farm	$163
American Family	$223
Allstate	$231
Nationwide	$385
Travelers	$446
USAA	$135

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Average renters insurance rates in Arizona

Most & least expensive ZIP codes for renters insurance in Arizona

Most expensive
Least expensive

ZIP code	City	Highest rate
85931	Forest Lakes	$619
85927	Greer	$437
85922	Blue	$397
86018	Parks	$372

ZIP code	City	Lowest rate
86053	Kaibeto	$201
86035	Leupp	$205
86036	Marble Canyon	$205
86044	Tonalea	$205

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Arizona renters insurance: The least and most expensive ZIP codes

Where you live in Arizona directly affects the cost of your renters insurance. The most expensive ZIP code in Arizona is 85931, where the average annual premium is $619. This is $382 more than higher than the average rate.

In contrast, the least expensive ZIP code for renters insurance is 86053, offering coverage at $201 a year.

The table below shows the most and least expensive ZIP codes in Arizona for renters insurance.

Best home insurance companies in Texas

Most expensive ZIP code
Least expensive ZIP code

ZIP code	Average annual rate
85931	$619
85927	$437
85922	$397
86018	$372
86017	$331
85930	$325
85544	$315
85911	$313
85935	$310
85942	$304

ZIP code	Average annual rate
86053	$201
86044	$205
85296	$206
85249	$207
85205	$215
85255	$225
85623	$232
85388	$235
85131	$236
85339	$240

Renters insurance cost in Arizona by city

Renters insurance rates vary widely across cities in Arizona, driven by factors such as weather risks, crime rates, and other factors. To find the best deal in your city, you should consider these factors and compare quotes from multiple insurers before choosing a policy.

City	Annual insurance premium
Chandler	$207
Gilbert	$204
Glendale	$212
Mesa	$206
Peoria	$213
Phoenix	$244
Scottsdale	$213
Surprise	$218
Tempe	$208
Tucson	$221

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How to save on renters insurance in Arizona

You can lower the cost of renters insurance in Arizona in several simple ways without reducing the coverage you need:

Bundle your policies. Many insurers give a discount when you purchase renters and auto insurance together.
Increase your deductible. Selecting a higher deductible lowers your monthly or yearly premium, but you should make sure you can afford it.
Ask about discounts. Many insurance companies offer discounts for having smoke alarms, security systems, or a claims-free history.
Compare quotes. Since prices vary widely between companies, getting quotes from multiple insurers helps you find the best deal.
Pay annually. Some insurers provide a small discount if you make yearly payment instead of paying monthly.

Methodology

Insurance.com compared renters insurance rates provided by Quadrant Information Services for $40,000 personal property coverage with a $1,000 deductible and $100,000 liability coverage for all available ZIP codes based on a renter with good credit. To rank the best insurance companies, we gathered AM Best financial stability ratings, where an A++ is the best possible score, and National Association of Insurance Commissioners (NAIC) complaint ratios, which compare the number of complaints a company receives to the anticipated complaint volume based on market share. These factors were used along with rates to find the best companies overall.

FAQ: Arizona renters insurance

Do I need renters insurance in Arizona?

Renters insurance isn't required by law, but your landlord may require you to purchase a policy as part of your lease agreement.

How much renters insurance do I need in Arizona?

You don't need any renters insurance by law, but when buying a policy you should ensure you have enough personal property coverage to cover all of your personal property at replacement cost.