Best, cheapest renters insurance for Arizona | Roost
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Best, cheapest renters insurance for Arizona

Looking for the best, cheapest renters insurance in Arizona is a lot less fun than scaling the rapids of the Grand Canyon. So we did it for you so you can explore one of the seven wonders of the world without a care. 

Read on to discover high quality, inexpensive renters insurance for you based on our assessment of affordable rates, customer service ratings, and online quoting of renters insurance in Arizona. 

Popular renters insurance companies compared

Roost ratingMin policy cost/mo ($10,000 personal property and $500 deductible)Average policy cost/mo ($30,000 personal property) and $500 deductibleOnline quoting experience (1 – 5) 5 being the bestCustomer service rating (Trustpilot)App rating
LemonadeBest$142$30152.64.5
Allstate*Meh$209*$31231.63
FarmersMeh$179$32723.64.7
American Family^Meh$457$53812.84.5
Assurant (Geico)Ok$137$26933.94.7
State FarmOk$129$21841.84.6
Progressive**Meh$201$26011.64.2
*Allstate will not let you get personal property coverage for less than $20,000
^^American Family does not allow you to individualize your renters insurance coverage in Arizona by changing the amounts for personal property coverage, deductibles, or liability. We were forced to get quotes for $15,000 and $25,000 with $300,000 liability and $1000 deductible.
**Progressive will not let you get personal property coverage for less than $15,000 

Roost’s approach to choosing renters insurance 

To compare the rates and coverage, we used each renter’s insurance company’s online quoting systems to get premium quotes. We requested $10,000 and $30,000 worth of personal property coverage with a $500 deductible and $100,000 liability coverage. 

We got quotes for renters in their mid-twenties, living in urban area apartment complexes, with no roommates or spouses, no pets, and no special coverages like flood insurance. 

To ensure a full cactus-to-cactus comparison, we reviewed similar coverage levels, online quoting experience, app experience, and customer service ratings.

How we compared renters insurance companies in Arizona

Affordability 

We looked at costs from company to company using a minimum personal property coverage of $10,000, a $500 deductible, and $100,000 liability coverage, and then increased the personal property coverage amount to $30,000, a $500 deductible, and $100,000 liability coverage.

Quality of coverage

Next, we rated the quality of the coverage options offered by each company in Arizona relative to the cost of the renters insurance policy. 

Customer service

Renters insurance companies should be there when you need them. Did they offer 24/7 chat? Did they make it easy for you to contact them? How quickly do they respond to claims? Are local agents available if you want to visit an office? 

We checked out their FAQs and customer service offerings to understand their approach to customer service. (If you have two or three companies on your shortlist, we recommend that you reach out to each one — your experiences will likely help you make a decision.)

Online quoting experience

We rated the online quoting experience for renters insurance companies in Arizona based on the overall ease of use and customization options. 

Did we feel locked in or directed to a plan that didn’t fit us very well? Lower rating. Did their website allow us to explore with different coverage levels to see how it would affect our renters insurance premium quote? Extra points! 

The only renters insurance company to ask for personal information (SSN) was Progressive. 

App store rating

We looked up the app store ratings for android and Apple products to give you an idea of what other renters think of each renters insurance company’s app, their coverage, and customer service.

How much renters insurance do I need in Arizona? 

If you are an Arizona college student, $15,000 in personal property coverage is most likely enough renters insurance. If you’re just getting started in college in Arizona you may still be covered under your parent’s insurance so be sure to check with them. 

If you live in Arizona and are trying to decide how much renters insurance you need, add up the retail price of your belongings and add another 25% on top of it to include all the things you might have forgotten. 

If your total is less than $5000, it may not make sense to get renters insurance right now. Or maybe a liability-only policy is all you need to protect yourself from a lawsuit or property damage repairs. 

Read our article, Cheap renters insurance to learn more about finding really cheap renters insurance.

Which areas of Arizona are cheapest for renters insurance? 

We found that renters insurance policies were the least expensive in Sun City West and that Phoenix had the most expensive renters insurance rates in Arizona. (Hmmm. Someday we’ll ask an insurance actuary why.)

Compare average rates by city.

Personal property coverage $20,000/$500 deductibleLiability coverage $100,000*
Phoenix 85065$290
Tucson 85733$265
Yuma 85364$240
Sedona 86336$237
Flagstaff 86024$232
Sun City West 85375$225
*Rates shown are the average annual premium from insurance.com

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How can I save on renters insurance in Arizona? 

There are a lot of ways you can save on your renters insurance premiums in Arizona:

  • Prepay your renters insurance for the year
  • Bundle your auto insurance with your renters insurance 
  • Raise your credit score
  • Don’t buy more renters insurance coverage than you need

Read more here on how to find more renters insurance discounts in Arizona.

What is renters insurance?

Now that we’ve covered the best, cheapest renters insurance in Arizona, let’s back up a second to make sure you know everything you need to know about renters insurance in general. Renters insurance is made up of three basic parts—personal property insurance, renters liability insurance, and additional living expenses insurance. 

If money is tight you may decide to go with the most minimal coverage you can find. We know companies like Lemonade that have renters insurance policies starting at just $5 a month, super cool! Whatever your needs, you can find a renters insurance policy that’ll work for you.

Personal property insurance

Personal property insurance covers your stuff, things like electronics, furniture, appliances, clothes, etc. If you sit down and add it all you might be surprised and just how much stuff you have.

  • TV stand with storage $530
  • Sofa couch $555
  • Rafting gear, backpack, tent $500+
  • Office chair $110
  • Mattress and box spring $945
  • Bed frame $250
  • Tablet $699
  • Jeans/dress pants $50 a pair, minimum $250 total
  • Chest of drawers $220
  • Shirts $25, 5 of them $125
  • Blender, espresso machine, cookware, dishes, etc. $640
  • Miscellaneous $500

This list doesn’t even include Roku TVs, gaming consoles, and bikes; and already adds up to almost $5000. Can you believe an average two-bedroom apartment contains approximately $30,000 worth of stuff? Whoa Nelly?!? 

And did you also know that while you’re listening to music in The Red Rock Cathedral of the beautiful Verde Valley that the valuables in your car would be covered if they were stolen? That is pretty cool!

Renters liability insurance

Renters liability insurance protects you from lawsuits and medical bills in situations that you may have been responsible for. It covers things like:

  • Accidental injuries of guests
  • Damage to your apartment that you may have accidentally caused 
  • Damage to your neighbor’s apartment that you may have caused
  • Injuries to others caused by your pet

Accidental living expenses insurance

Accidental living expenses coverage pays for living expenses like a hotel if you are unable to live in your apartment due to an event like a fire.

Renters insurance FAQs

1. Is renters insurance expensive in Arizona?

Arizona has pretty average renters insurance premiums compared to the rest of the country. Arizona ranked 22nd out of 50 states. Annual renters insurance premiums for a two-bedroom apartment in Arizona range from approximately $175 a year to over $250 a year, depending on where you live.

2. What is the average cost of renters insurance in Arizona? 

The average cost of renters insurance in Arizona is $175 a year (about $14.50 a month). If that’s more than you want to spend, shop around and compare prices. You can find some policies that start at just $5 a month with companies like Lemonade.

3. My landlord offers renters insurance in Arizona. Should I take it? 

Many landlord-offered renters insurance policies in Arizona only cover damage to their property, meaning none of your stuff is covered. Read our article on What does a landlord-tenant liability policy cover to understand whether or not this is a good option for you.

4. Does my roommate need renters insurance in Arizona? 

If your lease requires anyone living at your apartment to have renters insurance, then yes. If your roommate is your spouse or a relative, they may be covered under your current renters insurance policy in Arizona. Read our article on roommates and renters insurance for more info.

5. Is renters insurance worth it? 

That’s a question only you can answer. However, when you consider the amount of money you could save yourself in the event of a lawsuit, a fire, or theft, you may decide that it is worth having because of the potential future costs. Or it might just give you peace of mind.

6. Can my landlord require me to have renters insurance in Arizona?

Yes, your landlord can require you to have renters insurance in Arizona. It is within your landlord’s rights to include a renters insurance requirement in your lease.

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A quick note! Our goal is to gather and share info that’s up-to-date and helps you make great decisions as a renter. That said, the information you get directly from a provider could be a little different. Make sure to review their terms and conditions directly; and, if you see anything here that needs to be updated, please let us know! Advertising disclosure
Last Updated: April 27th, 2022