Arizona Renters Insurance

Shopping for renters insurance doesn’t need to be complicated. Compare Arizona rates by city and carrier below.

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How to find affordable renters insurance in Arizona

Renters insurance is an optional — but important — product that works to keep your belongings safe in the event your rental property suffers damage from common incidents. A renters policy protects belongings in the event of fire, smoke damage, a wind storm, theft, vandalism, and a variety of other common circumstances.

Gaps exist in average renters insurance prices by state. Policy prices in a given state differ depending on the frequency of — and value of — renters policy claims filed in that particular state, and also on the value of the belongings you're insuring.

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

The best way to acquire inexpensive renters insurance in Arizona is to compare rates and consider policies from multiple companies. Get an idea of average renters insurance rates in Arizona by reviewing the below data. Your rates may vary, depending on your coverage limits and the valuation of your belongings.


Arizona renters insurance:
  1. By insurance company
  2. By city
  3. Insurance bundling discounts
  4. FAQs


Renters insurance prices in Arizona by company

Renters insurance rates in Arizona vary depending on the insurer you use. American Family provides the most affordable renters policies in Arizona — just $121 each year. This beats the state average cost of $157, providing a 23% price cut on rates typical to the state.

Start your search for a renters policy by reviewing the best Arizona insurance companies, listed below.


InsurerAverage 12-Month Rate in Arizona
American Family$121.28
State Farm$125.70
Farm Bureau$126.81


Another company to consider is Lemonade. They not only offer affordable renters insurance options but have a "give back" option you can select which donates to a charity of your choice. Click below to see how much you could save with Lemonade.

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Arizona renters insurance costs by city

Not all Arizona cities have equal renters insurance rates. Policies are often priced on locally specific variables such as the number of local claims filed, meaning your ZIP code could have a major impact on how much you pay.

The most affordable renters insurance rates in Arizona are available in San Tan Valley. The average renters insurance policy in San Tan Valley costs $150 each year — $24 less than the average Arizona rate. Reference the below table to see the cheapest cities in Arizona for renters insurance.

Average 12-Month Renters Insurance Rate
San Tan Valley



Save by bundling renters and auto insurance in Arizona

If you want to save on insurance, consider holding your renters and auto policies with the same insurance company. Bundling auto and renters insurance in Arizona can lead to substantial savings on your auto insurance bill. Bundling policies in Arizona may earn you yearly savings of $79.

Avg. Yearly Auto Insurance Rate (No Bundle)
Avg. 12-Month Auto Insurance Rate (Bundle)
Annual Bundle Savings
Bundle Savings %

You can save money on insurance by bundling your renters and auto policies. Compare rates today!


Compare rates from top car insurance companies.

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Renters insurance FAQs


Is renters insurance required in Arizona?

No state law requires renters insurance — including Arizona. The only reason you might be required to carry 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.