Home 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. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur is a licensed life, health, and disability insurance agent and an auto and home insurance expert. She has written extensively on insurance topics for QuinStreet’s CarInsurance.com, Insurance.com and Insure.com as well as for Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker and The Financial Gym. | 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 monthIn 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 monthDifference compared to national average$22equalAverage renters insurance cost in Arizona by companyState 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.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 levelAs 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 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 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 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 ArizonaYour 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 $641 a year or $53 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 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$27 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/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. 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