Average Renters Insurance Cost in Arizona

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Renters insurance costs in Arizona vary depending on your coverage level, insurance provider, and personal circumstances. On average, renters in Arizona pay $275 per year or $23 per month for a policy that includes $40,000 in personal property coverage, $300,000 in liability protection and a $1,000 deductible.

Key Takeaways

The average cost of renters insurance in Arizona is $275 per year or $23 per month.
State Farm provides the least expensive renters insurance in Arizona at an average rate of $161 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 monthly cost of renters insurance is $23. However, premiums can differ depending on factors such as your rental’s location, the value of your personal belongings and the level of coverage you select. Experts recommend comparing quotes from different insurance companies to find the best deal.

Average renters ins cost per month	Difference compared to national average
$23	$1 less

Average renters insurance cost in Arizona by company

Renters in Arizona can find the most budget-friendly insurance with State Farm, which has an average annual cost of $161, according to our data. Other affordable options include Allstate and American Family.

It’s a good idea to gather quotes from at least three insurance providers, as each company calculates premiums differently.

Below are the average annual and monthly renters insurance rates from various insurers in Arizona.

Company	Average annual rate	Average monthly rate
State Farm	$161	$13
Allstate	$301	$25
American Family	$304	$25
Nationwide	$372	$31
Travelers	$555	$46
USAA*	$165	$14

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

Renters insurance calculator in Arizona

$252/year

Estimated renters insurance rates in Arizona

$21

Monthly renters insurance cost in Arizona

-7%

Compared to national average

Average cost of renters insurance in Arizona by coverage level

On average, Arizona renters pay $275 each year for insurance for a coverage limit of $40,000 in personal property, $300,000 in liability protection and a $1,000 deductible.

Reducing your personal property coverage from $40,000 to $20,000 can lower your renters insurance cost in Arizona to $203 per year. This policy still includes $300,000 in liability protection and a $1,000 deductible. However, you should ensure that $20,000 is adequate coverage for your personal belongings before making this change.

Below are the average annual renters insurance costs in Arizona for personal property coverage 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	$197	$16
$20,000 with $500 Deductible and $300,000 Liability	$218	$18
$20,000 with $1,000 Deductible and $100,000 Liability	$181	$15
$20,000 with $1,000 Deductible and $300,000 Liability	$203	$17
$40,000 with $500 Deductible and $100,000 Liability	$273	$23
$40,000 with $500 Deductible and $300,000 Liability	$296	$25
$40,000 with $1,000 Deductible and $100,000 Liability	$252	$21
$40,000 with $1,000 Deductible and $300,000 Liability	$275	$23
$60,000 with $500 Deductible and $100,000 Liability	$348	$29
$60,000 with $500 Deductible and $300,000 Liability	$374	$31
$60,000 with $1,000 Deductible and $100,000 Liability	$321	$27
$60,000 with $1,000 Deductible and $300,000 Liability	$347	$29

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

The amount Arizona renters pay for insurance largely depends on their ZIP code. Among all the ZIP codes analyzed, 86053 is the state’s most affordable ZIP for renters insurance, with an average annual premium of $237.

Since rates differ by ZIP code, comparing quotes is one of the simplest ways to get the most affordable renters insurance policy in Arizona.

ZIP code	City	Average annual rate	Average monthly rate
86053	Kaibeto	$237	$20
86320	Ash Fork	$242	$20
86036	Marble Canyon	$242	$20
86040	Page	$242	$20
86044	Tonalea	$242	$20
86035	Tuba City	$242	$20
86411	Hackberry	$244	$20
86030	Hotevilla	$244	$20
86434	Peach Springs	$245	$20
86435	Supai	$245	$20

Least affordable ZIP codes for renters insurance in Arizona

Your ZIP code, among other factors, affects how much you pay for renters insurance in Arizona. 85931 is the least affordable ZIP code for Arizona renters at an average cost of $589 a year or $49 monthly.

We have analyzed quotes from the major insurance carriers across all the ZIP codes in Arizona. Below are the average annual renters insurance costs by ZIP code.

ZIP code	City	Average annual rate	Average monthly rate
85931	Forest Lakes	$589	$49
85927	Greer	$445	$37
85922	Blue	$396	$33
86018	Parks	$392	$33
86017	Munds Park	$356	$30
85930	McNary	$355	$30
85911	Cibecue	$347	$29
85336	Gadsden	$340	$28
85942	Woodruff	$337	$28
85544	Pine	$334	$28

Final thoughts: Average renters insurance in Arizona

Renters insurance is a must-have for renters in Arizona. It protects your belongings in the event of damage from fire, theft, vandalism or any other natural disasters.

To find the best renters insurance at an affordable rate, shop around and compare quotes from multiple insurance companies. In addition to price, consider factors like 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.