How to get cheap 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.
Arizona renters insurance:
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.
RENTERS INSURANCE RATES IN ARIZONA: BY CARRIER
| Insurance Company | Average Yearly Rate in Arizona |
| American Family | $121 |
| ACA | $122 |
| State Farm | $126 |
| Farm Bureau | $127 |
| Travelers | $129 |
Arizona renters insurance prices 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.
AFFORDABLE RENTERS INSURANCE BY CITY IN ARIZONA
| City | Average Annual Renters Insurance Rate |
| San Tan Valley | $150 |
| Peoria | $151 |
| Surprise | $152 |
| Chandler | $152 |
| Maricopa | $153 |
Arizona renters insurance pricing by coverage level
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 |
Arizona insurance bundling discounts: renters and car
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.
RENTERS AND AUTO INSURANCE BUNDLING DISCOUNTS IN ARIZONA
| Avg. Yearly Auto Insurance Rate (No Bundle) | Avg. 12-Month Auto Insurance Rate (Bundle) | Annual Bundle Savings | Bundle Savings % |
| $1,295 | $1,216 | $79 | 7% |
A great way to save is to bundle your renters and auto insurance policies. Get started today!
Are you looking for renters insurance info for a specific city? Take a look at our listof the most populous cities in Arizona.
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 renters insurance cover in Arizona?
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.
