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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

How to get affordable renters insurance in Arizona

Renters insurance is an optional but important insurance coverage. It keeps your stuff safe in the event your rental property suffers damage from a common incident. A renters policy defends personal items from fire, smoke damage, wind damage, theft or vandalism and a collection of other events.

Unlike auto insurance, renters policies aren’t controlled by state legislation. Even so, there are substantial differences in the cost of renters insurance by state. Renters rates in states diverge depending on the number and total value of renters claims made in the state, and also on the value of the belongings covered by the policy.

Arizona renters insurance is less expensive than the national average. The typical annual renters insurance rate in Arizona is $157, $27 less expensive than in other states.

The easiest way to find an affordable renters insurance policy in Arizona is to compare rates from multiple insurance companies. Learn average renters insurance rates in Arizona by reviewing the below data. Individual rates may vary depending on coverage options and the value of the items insured.

Jump to:
  1. Rates by company
  2. Rates by city
  3. Rates by coverage level
  4. Bundling discounts
  5. Frequently asked questions

Renters insurance prices in Arizona by company

Prices for renters insurance in Arizona differ depending on the insurance company you choose. American Family underwrites the most affordable renters insurance in Arizona, at only $121 per year. This compares favorably to the state average cost of $157, offering a 23% discount on average policy costs statewide.

Start shopping for affordable coverage by viewing average rates from top Arizona insurance companies, listed below.

Insurance Company Average Yearly Rate in Arizona
American Family $121
ACA $122
State Farm $126
Farm Bureau $127
Travelers $129

Arizona renters insurance costs by city

Renters insurance rates in Arizona differ by city. Policy rates rely on on city-specific variables like the number of local claims filed, giving your ZIP code weight in deciding how much you pay.

The cheapest renters insurance rates in Arizona are available in San Tan Valley. A typical renters insurance term in San Tan Valley totals just $150 each year — $24 less than the average policy in other Arizona cities. The below cities have the most affordable renters insurance in Arizona.


City Average Annual Renters Insurance Rate
San Tan Valley $150
Peoria $151
Surprise $152
Chandler $152
Maricopa $153

Are you looking for renters insurance info for a specific city? Take a look at our list of the most populous cities in Arizona.

  1. Chandler
  2. Gilbert
  3. Glendale
  4. Mesa
  5. Phoenix
  6. Scottsdale
  7. Tucson


Renters insurance in AZ by coverage tier

The cost of your renters insurance policy will be influenced by the amount of coverage you opt to carry. Common renters insurance tiers are $25,000 and $50,000 property coverage. In Arizona, the annual cost differential between these levels is about $52. If you can afford the up-front expense, it's an option worth considering.

Coverage Level Average Yearly Renters Insurance Rate in Arizona
$25K Property $131
$50K Property $183

Tip: bundle auto and renters insurance in Arizona

To trim a few dollars from your insurance costs, consider purchasing your renters and car insurance policies from the same company. A renters and car insurance bundle in Arizona can lead to substantial savings on auto insurance. Bundling policies in Arizona may generate yearly savings of $79.

Avg. Annual Rate (No Bundle) Avg. Annual Rate (w/ Bundle) Annual Savings ($) Annual Savings (%)
$1,295 $1,216 $79 7%

Arizona renters insurance FAQs


Is renters insurance required in Arizona?

No state law requires you to carry renters insurance -- including Arizona. The only reason you might be required to carrry renters coverage is if your landlord requires it.

What does Arizona renters insurance cover?

While coverage can vary based on your personal needs, a basic policy covers your contents, liability, medical payments, and additional living expenses up to your coverage limits.

Need a Renters Insurance Quote?

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.