Best renters insurance companies in Arizona

When choosing the best renters insurance company in Arizona, make sure you’re comparing on more than just price. We’ve compared quotes, coverage options and J.D. Power scores from all the major insurers in Arizona. Below is our list of best renters insurance companies in Arizona based on that analysis, with our score out of five. Note that USAA only offers coverage to military families.

CompanyAverage rating(out of 5)
American Family4
State Farm4
Allstate3.5
USAA3.5
Nationwide3
Travelers2.5

Compare the best renters insurance companies in Arizona

Comparing quotes from multiple insurance carriers is one way to ensure you will get your money’s worth. There can be big differences in price between different renters insurance providers, so it pays to shop around. Ensure you buy from a company offering affordable renters insurance and consistent customer service.

To simplify your task, we have compared the carriers for Arizona residents based on their average rates and ratings from J.D. Power. Among the carriers surveyed, State Farm is the best renters insurance company in Arizona. It earned 844 out of 1000 from J.D. Power and has an average renters insurance rate of $180.

The table below offers a detailed comparison of renters insurance companies in Arizona.

CompanyJ.D. Power ScoreAverage Annual PremiumAM Best Ratings
State Farm844$180A++
American Family856$197A
USAA894$111A++
Allstate835$226A+
Nationwide852$337A+
Travelers835$446A++

How much is renters insurance in Arizona

Arizona residents pay an average of $218 a year for renters insurance, and the average monthly cost is $18. 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 will not be the same as a neighbor’s price 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 PremiumAverage Monthly Premium
$218$18

Most expensive ZIP codes in Arizona for renters insurance

Several factors affect your renters insurance coverage cost in Arizona, including your location and the coverage you buy. The most expensive ZIP code in Arizona for renters insurance is 85336, where the average annual rate is $268 which is $50 more than the state average insurance premium.

The following table lists the most expensive ZIP codes in Arizona for renters insurance.

ZIP codeAverage Annual Rate
85336$268
85065$267
85026$264
85073$263
85033$259
85035$257
85041$256
85097$255
85018$254
85004$253

Least expensive ZIP codes in Arizona for renters insurance

Renters insurance rates in Arizona are cheaper in some areas. Based on a rate analysis by Insurance.com, the least expensive ZIP code for renters insurance in Arizona is 86053, and its average annual rate is $194.

Below, you’ll find the least expensive ZIP codes for renters insurance, along with their average annual rates.

ZIP codeAverage Annual Rate
86053$194
86434$195
86045$197
86044$198
86433$199
85296$200
85295$201
86406$202
85233$203
85356$204

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.

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

Cheap renters insurance in Arizona by company

There are a lot of companies offering renters insurance in Arizona. Among the carriers surveyed by Insurance.com, USAA is the cheapest renters insurance company in Arizona; its average annual premium is $111.

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 best cheap renters insurance companies in Arizona and their average annual premiums.

Company NameAverage Annual Premium
USAA$111
State Farm$180
American Family$197
Allstate$226
Nationwide$337
Travelers$446

Insurance.com compared renters insurance rates in 2022 provided by Quadrant Data Solutions 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. Content was updated in 2023.

Tip icon You might also be interested in