Home Home insurance Renters insurance Renters insurance cost Average renters insurance cost in Arizona Average renters insurance cost in Arizona Discover the average cost of renters insurance in Arizona and how factors like location and coverage levels can impact your rate. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite 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. | Updated on: January 16, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 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 monthThe average cost of renters insurance in Arizona is $22 per month. Your premium may vary depending on your location, the value of your belongings, and the coverage limits you select. It’s recommended that you compare multiple insurance quotes to find the best price.Average renters ins cost per monthDifference compared to national average$22equalAverage renters insurance cost in Arizona by companyAccording to our data, State Farm provides the most affordable renters insurance in Arizona, with an average annual rate of $175, followed by American Family and Allstate.Getting quotes from multiple renters insurance companies in Arizona is a good idea, as prices can differ significantly among insurers.Below, you can find average annual and monthly renters insurance rates from various companies in Arizona.CompanyAverage annual rateAverage monthly rateState Farm$175$15American Family$241$20Allstate$270$22Nationwide$403$34Travelers$490$41USAA$151$13 Renters insurance calculator in Arizona Select your state Arizona Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington, D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Personal property coverage Covers your personal belongings, such as your furniture, electronics, clothing, artwork, etc. Choose the amount you believe would cover all of your belongings. $40,000 $20,000 $40,000 $60,000 Liability Covers the medical expenses of people who are hurt while in your home or on your property, as well as damage you caused to others’ property. Also covers legal fees if you are sued by someone hurt in your home or on your property. Limits of $300,000 or $500,000 are recommended. $300,000 $100,000 $300,000 Deductible Choose the amount you want to pay out-of-pocket before insurance kicks in. This applies to your dwelling and personal belongings claims. $1,000 $500 $1,000 Calculate $237/year Estimated renters insurance rates in Arizona $20 Monthly renters insurance cost in Arizona -4% Compared to national average Get quotes Average cost of renters insurance in Arizona by coverage levelOn average, Arizona renters pay $260 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 $241 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 levelAverage annual renters insurance rateAverage 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$27Average cost of renters insurance in Arizona by cityRenters insurance premiums can differ significantly depending on the city. To help you find the best policy for your needs, we’ve compiled a breakdown of average costs by city. Explore the typical renters insurance rates across various locations in Arizona.Renters insurance rates vary from one city to another. But with Insure.com, finding the right renters insurance policy is easy. Learn more about renters insurance costs for different cities below. Renters insurance rates in Arizona by cityChandlerGilbertMesaPhoenixTucsonAverage cost of renters insurance in Arizona by ZIP codeRenters insurance costs in Arizona vary by ZIP code. Below, we’ll cover which ZIP codes have the most affordable coverage and which areas have the highest premiums.Most affordable ZIP codes for renters insurance in ArizonaIn 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 $223.Comparing quotes from multiple insurers in Arizona is a smart way to find the best renters insurance rates for your ZIP code.ZIP codeCityAverage annual rateAverage monthly rate86053Kaibeto$223$1986044Tonalea$227$1986036Marble Canyon$227$1986320Ash Fork$227$1986035Leupp$227$1986040Page$227$1985296Gilbert$229$1985249Chandler$230$1986411Hackberry$230$1985295Gilbert$230$19Least affordable ZIP codes for renters insurance in Arizona85931 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 codeCityAverage annual rateAverage monthly rate85931Forest Lakes$641$5385927Greer$461$3885922Blue$421$3586018Parks$395$3386017Munds Park$353$2985930McNary$350$2985911Cibecue$338$2885544Pine$337$2885935Pinetop$334$2885942Woodruff$329$27Renters and auto bundle discounts in ArizonaIf you’re looking for ways to trim costs on your insurance premiums, consider purchasing renters and auto insurance from the same company.Bundling policies can help you save an average of 5% annually in Arizona. Geico offers the cheapest rate on renters and auto insurance bundle. You can save 3% a year on your premiums.CompanyAverage annual rate$ bundle average savings% bundle average savingsGeico$1,320$383%Travelers$1,513$805%Progressive$1,709$1327%State Farm$1,773$865%The Hartford$2,012$211%Nationwide$2,298$974%Farmers$2,455$1847%CSAA Insurance (AAA)$2,468$1205%Allstate$2,579$2499%Final thoughts: Average renters insurance in ArizonaRenters insurance is essential for residents of Arizona. It safeguards possessions against damage from fire, theft, vandalism, and natural disasters, ensuring protection in unforeseen circumstances.To get the best renters insurance at an affordable price, shop around and compare quotes from various insurance carriers. In addition to insurance premiums, consider factors such as coverage options, deductibles, and customer reviews to make an informed decision.How much is renters insurance in other statesAlaska$257/YearAlabama$324/YearArkansas$363/YearCalifornia$271/YearColorado$191/YearConnecticut$292/YearWashington, D.C.$272/YearDelaware$181/YearFlorida$248/YearGeorgia$352/YearHawaii$247/YearIowa$203/YearIdaho$184/YearIllinois$246/YearIndiana$269/YearKansas$251/YearKentucky$207/YearLouisiana$504/YearMassachusetts$262/YearMaryland$256/YearMaine$198/YearMichigan$340/YearMinnesota$211/YearMissouri$231/YearMississippi$387/YearMontana$275/YearNorth Carolina$366/YearNorth Dakota$192/YearNebraska$295/YearNew Hampshire$173/YearNew Jersey$207/YearNew Mexico$201/YearNevada$246/YearNew York$293/YearOhio$252/YearOklahoma$281/YearOregon$288/YearPennsylvania$274/YearRhode Island$476/YearSouth Carolina$294/YearSouth Dakota$202/YearTennessee$290/YearTexas$226/YearUtah$204/YearVirginia$235/YearVermont$182/YearWashington$222/YearWisconsin$167/YearWest Virginia$248/YearWyoming$136/YearShow more Explore other insurance options in Arizona Average homeowners insurance cost in Arizona Average car insurance cost in Arizona Non-owner car insurance in Arizona Shivani GiteContributing 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. In case you missed it What is HO-6 condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2025 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance rates? Mobile home insurance cost and coverage in 2025 Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance in 2024 How much flood insurance do I need? How to bundle home and auto insurance policies to save money The largest home insurance companies by market share Home insurance discounts for cheaper rates How much does dog liability insurance cost and do you need it? Do you have an emergency go-bag? Most Americans don’t 1/1 Related Articles Renters insurance: Compare quotes in 2025 By Prachi Singh How to find a homeowners insurance policy By Shivani Gite Mobile home insurance cost and coverage in 2025 By Chris Kissell Renters insurance calculator: How much renters insurance costs by state and city in 2025 By Shivani Gite How to switch home insurance By Leslie Kasperowicz Average homeowners insurance cost by ZIP code in 2025 By Barry Eitel On this page Average renters insurance cost in Arizona per monthAverage renters insurance cost in Arizona by companyAverage cost of renters insurance in Arizona by coverage levelAverage cost of renters insurance in Arizona by cityAverage cost of renters insurance in Arizona by ZIP codeRenters and auto bundle discounts in ArizonaFinal thoughts: Average renters insurance in Arizona ZIP Code Please enter valid ZIP See rates