How much is renters insurance in Arizona?

The average cost of renters insurance in Arizona is $237 a year, and the average monthly cost is $20. That's for a policy with personal property coverage of $40,000, liability coverage of $100,000, and a deductible of $1,000.

What you pay for renters insurance may differ from your neighbours because it depends on factors specific to each person: the property you want to insure, extra coverage options you add, and the deductible amount you choose.

"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 companies in Arizona

American Family, State Farm and Allstate are our best renters insurance companies in Arizona.

Rates differ widely between renters insurance providers, so it pays to shop around. But rates aren’t the entire picture. It’s also important to choose an insurance company with a good reputation so you know it will be there for you when you need it.

To help you choose the best renters insurance in Arizona, we reviewed rates and third-party ratings including complaint volume with the National Association of Insurance Commissioners (NAIC) and financial ratings from AM Best.

Among the carriers surveyed, American Family is the best renters insurance company in Arizona, with a top score and an average renters insurance rate of $223.

Below is our list of best renters insurance companies in Arizona based on that analysis, with our score out of five.

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

State Farm is the cheapest renters insurance company in Arizona based on our rate analysis with an average annual premium of $163.

Renters insurance prices can vary drastically between companies. That's why it is important to compare rates and see which company offers the best deal to get coverage at an affordable price.

Below are the cheapest renters insurance companies in Arizona and 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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Arizona renters insurance: The least and most expensive ZIP codes

Where you live in Arizona affects how much you pay for renters insurance. The most expensive ZIP code in Arizona for renters insurance is 85931, where the average annual rate is $619 which is $382 more than the state average insurance premium.

On the other end of the spectrum, the least expensive ZIP code for renters insurance is 86053, with an average annual rate of $201.

The following table lists the least and most 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

Compare renters insurance rates by city in Arizona

Renters insurance rates vary significantly across cities, influenced by various factors, including weather patterns, crime rates, and property values. You must consider these factors and compare quotes from different insurers to get the best deal on renters insurance for your specific city in Arizona.

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 get cheap renters insurance in Arizona

There are a few things you can do to get cheaper renters insurance in Arizona:

Shop around. Not every Arizona renters insurance company offers the same rates or discounts. Shop around for the best price.
Ask about discounts. There are a lot of discounts available on renters insurance; one of the biggest is bundling your home and auto insurance, so ask for an auto quote at the same time.
Chose a higher deductible. Your deductible affects your premiums; higher deductibles mean lower rates. Just ensure you can afford the deductible if you have to pay it.

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.

Arizona renters insurance: FAQ

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.