Average renters insurance cost in Arizona

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Renters in Arizona pay an average of $275 per year, or $23 per month for renters insurance. This is based on a standard policy covering $40,000 in personal property, $300,000 in liability, and a $1,000 deductible – a reasonable baseline for most renters.

What you actually pay will depend on your coverage amount, which insurer you choose, and personal details like your ZIP code, claims history, and in some states, your credit score.

How much does renters insurance cost in Arizona?

Renters insurance in Arizona costs an average of $23 per month for a standard policy with $40,000 in personal property coverage and $300,000 in liability protection. Your actual premium can vary based on your location, coverage level, and the value of your belongings, so it’s worth comparing quotes from multiple insurers to find the best rate.

As a general rule, opting for a higher deductible can bring your monthly costs down, while adding extra coverage for high-value items like electronics or jewellery will push it up. Choose a deductible and coverage level that fits both your budget and replacement needs.

Renters insurance in Arizona: Where to start

The average cost of renters insurance in Arizona is $275 per year, or $23 per month for a standard policy
For the most affordable option, State Farm offers the lowest average rates in Arizona at around $161 annually
Rates vary quite a bit between insurers, so comparing a few quotes before committing is worth the effort

Which companies offer the cheapest renters insurance in Arizona?

Among insurers operating in Arizona, State Farm has the lowest average annual premium at $161. Allstate and American Family are also worth a look if keeping premiums low is a priority.

That said, price alone shouldn’t drive your decision. It’s equally important to weigh coverage limits, deductible options, and any discounts available to you. The table below lays out average annual and monthly 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.

Want a more accurate renters insurance estimate?

Use our calculator to get a personalized renters insurance quote based on your location and coverage needs.

Your final premium may vary depending on the insurer, coverage limits, deductible, claims history, and other rating factors.

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

How much does renters insurance cost by coverage level in Arizona?

At the standard coverage level – $40,000 in personal property, $300,000 in liability, and a $1,000 deductible – renters insurance in Arizona averages $275 per year.

If you reduce your personal property coverage to $20,000, that average drops to around $203 annually. Before making that adjustment, it’s worth confirming that $20,000 would genuinely cover the cost of replacing your belongings.

The table below compares average annual renters insurance costs in Arizona at both the $20,000 and $40,000 coverage levels.

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

People also ask: How much renters insurance coverage do I need?

Coverage needs vary from person to person, but a common starting range is $20,000 to $40,000 in personal property protection and at least $300,000 in liability coverage. The right amount ultimately comes down to the value of what you own, whether any of your items warrant separate endorsements, and how much of a financial cushion you want between you and an unexpected loss.

How much does renters insurance cost by city in Arizona?

Renters insurance rates in Arizona aren’t the same across the board – where you live within the state can make a noticeable difference. Local factors like crime rates, weather exposure, and population density all influence what insurers charge.

Here’s a look at how average rates compare across major cities in Arizona.

Renters insurance rates in Arizona by city

See rates in your city

Does your ZIP code affect renters insurance rates in Arizona?

Your ZIP code is one of the biggest factors insurers use to set rates. Local risks like theft, fire and weather claims can drive premiums up or down, so two renters with the same coverage may pay very different prices.

In Arizona, rates range from about $237 in 86053 to $589 in 85931. Here are the cheapest and most expensive ZIP codes for renters insurance in Arizona.

Why your ZIP code affects renters insurance costs

Insurers use local risk data to calculate renters insurance premiums, which means rates can vary significantly by neighborhood and ZIP code.

Factors that affect renters insurance rates include:

Local theft and vandalism rates
Weather risks such as hurricanes, floods, or wildfires
Fire claims and rebuilding costs in your area

Even moving a few ZIP codes away can affect your monthly premium.

What are the most affordable ZIP codes for renters insurance in Arizona?

In Arizona, your ZIP code plays a major role in determining your premiums. Based on our data, 86053 is the most affordable ZIP code for renters insurance, with an average annual cost of $237.

ZIP codes with lower theft rates and fewer severe weather claims tend to have more affordable renters insurance premiums.

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

What are the 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 $589 annually or $49 monthly.

Here are the average annual renters insurance rates for every ZIP code in Arizona, based on quotes from major insurers.

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

How to lower your renters insurance, even in a high-cost ZIP code

Compare at least 3 quotes – rates for the same coverage can vary by $100+ between insurers in the same ZIP code
Bundle with auto insurance to save 5% to 15% on your renters policy
Ask about safety device discounts for smoke detectors, deadbolts, security systems, and smart-home monitoring
Raise your deductible from $500 to $1,000 to save around 10%
Check claims-free discounts if you haven’t filed a claim in 3+ years

Is renters insurance worth it in Arizona?

For most renters in Arizona, renters insurance is well worth having. It protects your belongings against fire, theft, vandalism, and certain natural disasters, while also providing liability coverage if someone is injured in your home.

According to the US Department of Commerce, the US Census Bureau and American Community Survey – over 48% of renter households in the US spend more than 30% of their income on rent and utilities, which means even smaller ongoing expenses like insurance are worth managing carefully.

Finding the right policy comes down to shopping around. Price matters, but it’s also important to review coverage options, deductibles, and customer satisfaction. Paying slightly more for better coverage can make a real difference when you need to file a claim.

Frequently asked questions

What does renters insurance actually cover?

Renters insurance generally covers three things: your personal belongings, liability protection, and additional living expenses if your home becomes uninhabitable after a covered event. It can help with losses from fire, theft, and vandalism, as well as legal or medical costs if a visitor is injured on your property. Coverage specifics differ by policy, so reviewing your limits and exclusions carefully is important.

Do I really need renters insurance in Arizona?

There’s no universal legal requirement for renters insurance, but the protection it offers is hard to replicate on your own. A single incident – whether it’s a break-in, a fire, or accidental damage – can result in thousands of dollars in losses. Renters insurance covers those costs so you’re not paying out of pocket. It’s also increasingly common for landlords in Arizona to require it as part of the lease agreement.

Sources:

Insurance Information Institute. Facts + statistics: Renters insurance. Accessed May 2026.

How much is renters insurance in other states

$269/Year

$390/Year

$406/Year

$300/Year

$224/Year

$325/Year

$207/Year

$215/Year

$353/Year

$252/Year

$216/Year

$190/Year

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Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.