Average Renters Insurance Cost in Arizona

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Renters insurance costs in Arizona vary depending on various factors, including the coverage amount, insurance company and individual circumstances. The average cost of renters insurance in Arizona is $260 per year or $22 per month for a coverage limit of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible. These are average rates, and actual premiums may differ.

Key Takeaways

The average cost of renters insurance in Arizona is $260 per year or $22 per month.
State Farm provides the least expensive renters insurance in Arizona at an average rate of $175 annually.
Renters insurance rates can vary significantly among insurance companies. Compare quotes to find the best deal on renters insurance in Arizona.

Average renters insurance cost in Arizona per month

In Arizona, the average cost of renters insurance is $22 per month. However, the exact premiums may vary based on factors like your location, the value of your belongings, and the amount of coverage you choose. It’s always a good idea to compare quotes from multiple insurers to ensure you get the best deal.

Average renters ins cost per month	Difference compared to national average
$22	equal

Average renters insurance cost in Arizona by company

State Farm offers the most affordable renters insurance in Arizona at an average annual rate of $175, followed by American Family and Allstate, based on our data.

However, you should get multiple quotes from various renters insurance companies in Arizona because the prices vary greatly among carriers.

Below, we have compared the average annual and monthly renters insurance rates of insurance companies across Arizona.

Company	Average annual rate	Average monthly rate
State Farm	$175	$15
American Family	$241	$20
Allstate	$270	$22
Nationwide	$403	$34
Travelers	$490	$41
USAA*	$151	$13

*USAA is only available to military community members and their families.

Renters insurance calculator in Arizona

$237/year

Estimated renters insurance rates in Arizona

$20

Monthly renters insurance cost in Arizona

-4%

Compared to national average

Average cost of renters insurance in Arizona by coverage level

As we discussed above, the average cost of renters insurance in Arizona is $260 per year. These rates are for a coverage level of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible.

However, if you lower the personal property coverage from $40,000 to $20,000, you will pay $191 per year for renters insurance in Arizona, which provides $300,000 in liability protection with a $1000 deductible.

Below are the average renters insurance costs in Arizona for personal property coverage amounts of $20,000 and $40,000.

Coverage level	Average annual renters insurance rate	Average monthly renters insurance rate
$20,000 with $500 Deductible and $100,000 Liability	$186	$15
$20,000 with $500 Deductible and $300,000 Liability	$207	$17
$20,000 with $1,000 Deductible and $100,000 Liability	$170	$14
$20,000 with $1,000 Deductible and $300,000 Liability	$191	$16
$40,000 with $500 Deductible and $100,000 Liability	$259	$22
$40,000 with $500 Deductible and $300,000 Liability	$282	$23
$40,000 with $1,000 Deductible and $100,000 Liability	$237	$20
$40,000 with $1,000 Deductible and $300,000 Liability	$260	$22
$60,000 with $500 Deductible and $100,000 Liability	$330	$27
$60,000 with $500 Deductible and $300,000 Liability	$356	$30
$60,000 with $1,000 Deductible and $100,000 Liability	$302	$25
$60,000 with $1,000 Deductible and $300,000 Liability	$327	$27

Average cost of renters insurance in Arizona by city

Renters insurance rates can vary widely between cities. To make finding the right policy easier, we’ve broken down the costs by city. Discover how much renters insurance typically costs in different areas of Arizona.

Renters insurance rates in Arizona by city

See rates in your city

Average cost of renters insurance in Arizona by ZIP code

The cost of renters insurance in Arizona varies by ZIP code. It’s important to note that the affordability of renters insurance can differ significantly depending on your location.

To provide a more comprehensive overview, let’s see some of the most and least affordable ZIP codes for renters insurance in Arizona.

Most affordable ZIP codes for renters insurance in Arizona

How much Arizona renters pay for insurance depends on the ZIP code they live in. 86053 is the most affordable ZIP code for renters insurance in Arizona among all the ZIP codes analyzed, at $223 a year on average.

Rates vary by ZIP code, so comparing quotes is one of the easiest ways to get the best deal on renters insurance in Arizona.

ZIP code	City	Average annual rate	Average monthly rate
86053	Kaibeto	$223	$19
86044	Tonalea	$227	$19
86036	Marble Canyon	$227	$19
86320	Ash Fork	$227	$19
86035	Leupp	$227	$19
86040	Page	$227	$19
85296	Gilbert	$229	$19
85249	Chandler	$230	$19
86411	Hackberry	$230	$19
85295	Gilbert	$230	$19

Least affordable ZIP codes for renters insurance in Arizona

85931 is the most expensive ZIP code for renters insurance in Arizona, at an average cost of $641 annually or $53 monthly.

We’ve gathered and analyzed quotes from major insurance companies across all ZIP codes in Arizona. The table below shows the average annual renters insurance rates by ZIP code.

ZIP code	City	Average annual rate	Average monthly rate
85931	Forest Lakes	$641	$53
85927	Greer	$461	$38
85922	Blue	$421	$35
86018	Parks	$395	$33
86017	Munds Park	$353	$29
85930	McNary	$350	$29
85911	Cibecue	$338	$28
85544	Pine	$337	$28
85935	Pinetop	$334	$28
85942	Woodruff	$329	$27

Final thoughts: Average renters insurance in Arizona

Renters insurance is a must for Arizona renters. It protects personal belongings from damage caused by fire, theft, vandalism and natural disasters, giving renters confidence and peace of mind.

Finding the most affordable renters insurance requires shopping around and comparing quotes from multiple insurers. To make an informed choice, consider not just the price but also the coverage options, deductibles, and customer reviews.

Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.