Where to Get the Best Cheap Renters Insurance in Arizona
Best and cheapest renters insurance in AZ
Cheapest renters insurance companies in Arizona
State Farm and Lemonade have the cheapest renters insurance in Arizona. State Farm’s average rate is $9 per month, while Lemonade’s is $12.
Amica comes in third, with an average monthly rate of $15. Amica offers more renters insurance discounts than both State Farm and Lemonade, though, and some of them are easy to get.
You can get discounts from Amica by signing up for automatic payments or electronic billing, for example. And you can save up to 15% if you bundle more than one type of policy with Amica.
| Company | Monthly rate | LendingTree score | |
|---|---|---|---|
 | State Farm | $9 |  |
 | Lemonade | $12 |  |
 | Amica | $15 |  |
 | Allstate | $16 |  |
 | Progressive | $20 | |
 | Assurant | $23 | |
 | Farmers | $27 | |
 | American Family | $49 | |
To find out which of these companies is the cheapest for you, compare renters insurance quotes from each of them side by side before you buy or renew a policy.
Arizona’s best renters insurance companies
State Farm is the best renters insurance company in Arizona, overall. You should get quotes from Lemonade and Amica, as well, though, and see how they compare to State Farm.
Each of these companies have their own strengths, and the best one for you will depend on things like where you live and your claims history.
Arizona renters insurance company rates and ratings
| Company | Monthly rate | Customer satisfaction Source: J.D. Power 2024 U.S. Home Insurance Study. Higher scores are better; 659 is average. | Customer complaints Source: National Association of Insurance Commissioners (NAIC) 2024 Complaint Index. Lower ratings are better; 1.0 is average. |
|---|---|---|---|
| State Farm | $9 | 679 | 1.05 |
| Lemonade | $12 | 682 | 3.5 |
| Amica | $15 | 695 | .33 |
| American Family | $49 | 660 | .49 |
Best overall and cheapest rates: State Farm
Monthly rate: $9
Pros
Cheapest monthly rate
Great customer satisfaction score
Several add-on coverages
Cons
Not many discounts
Customer complaint rating is average
State Farm should be your first stop while shopping for renters insurance in Arizona. Its average rate is the cheapest in the state. It has happy customers, too, based on its great
J.D. Power
J.D. Power’s satisfaction scores are based on customer surveys rating companies on factors like price, coverage options and problem resolution.
score.
State Farm also offers many ways to customize your renters coverage and has a site and an app that let you get quotes, pay bills and file claims.
Runner-up: Lemonade
Monthly rate: $12
Pros
Second-best rates
Excellent customer satisfaction score
Many optional coverages
Cons
Not available in every state
Few discounts
More
customer complaints
The NAIC rates companies on confirmed complaints by size. A confirmed complaint is one that leads to a finding of fault.
than competitors
At just $12 a month, Lemonade’s renters insurance rates are nearly as cheap as State Farm’s. Also, Lemonade’s customer satisfaction score is even better than State Farm’s.
You can’t buy Lemonade insurance in every state, though, and it doesn’t offer many ways to save.
Best customer satisfaction: Amica
Monthly rate: $15
Pros
Best customer satisfaction score of surveyed companies
Few complaints from customers
Several discounts
Good coverage options
Cons
Affordable rates, but 67% higher than State Farm
Amica is a solid choice for renters insurance in Arizona. Customers love it, based on its excellent rating from J.D. Power. It also offers some good add-ons that let you customize your policy, like coverage for computers, tablets and phones.
Although Amica’s rates are affordable and cheaper than the state average, they’re quite a bit higher than State Farm’s. It does offer several discounts, though, which could make it cheaper.
Wild card: American Family
Monthly rate: $49
Pros
Most discounts of surveyed companies
Many coverage options
Few customer complaints
Cons
State’s highest rates (by a lot)
Average customer satisfaction score
At first glance, American Family seems like the worst company for Arizona renters insurance, since its rates are the highest in the state by far. They’re $40 more a month than State Farm’s, on average — and State Farm’s are only $9 a month.
Still, American Family offers more
renters insurance discounts
You can get discounts from American Family for: bundling policies, signing up for auto pay, paying in full, going paperless, having a smart home and more.
than any other company we surveyed in Arizona. It also has more
add-on coverages
American Family’s add-ons offer coverage for equipment breakdown, flash floods, sewer back-ups, home businesses, pets and more.
than any other insurer. If you can get a few of its discounts, and if you want some of its add-ons, AmFam could be a good option for you.
Monthly rate: $9
Pros
Cheapest monthly rate
Great customer satisfaction score
Several add-on coverages
Cons
Not many discounts
Customer complaint rating is average
State Farm should be your first stop while shopping for renters insurance in Arizona. Its average rate is the cheapest in the state. It has happy customers, too, based on its great J.D. Power J.D. Power’s satisfaction scores are based on customer surveys rating companies on factors like price, coverage options and problem resolution. score.
State Farm also offers many ways to customize your renters coverage and has a site and an app that let you get quotes, pay bills and file claims.
Monthly rate: $12
Pros
Second-best rates
Excellent customer satisfaction score
Many optional coverages
Cons
Not available in every state
Few discounts
More
customer complaints
The NAIC rates companies on confirmed complaints by size. A confirmed complaint is one that leads to a finding of fault.
than competitors
At just $12 a month, Lemonade’s renters insurance rates are nearly as cheap as State Farm’s. Also, Lemonade’s customer satisfaction score is even better than State Farm’s.
You can’t buy Lemonade insurance in every state, though, and it doesn’t offer many ways to save.
Best customer satisfaction: Amica
Monthly rate: $15
Pros
Best customer satisfaction score of surveyed companies
Few complaints from customers
Several discounts
Good coverage options
Cons
Affordable rates, but 67% higher than State Farm
Amica is a solid choice for renters insurance in Arizona. Customers love it, based on its excellent rating from J.D. Power. It also offers some good add-ons that let you customize your policy, like coverage for computers, tablets and phones.
Although Amica’s rates are affordable and cheaper than the state average, they’re quite a bit higher than State Farm’s. It does offer several discounts, though, which could make it cheaper.
Wild card: American Family
Monthly rate: $49
Pros
Most discounts of surveyed companies
Many coverage options
Few customer complaints
Cons
State’s highest rates (by a lot)
Average customer satisfaction score
At first glance, American Family seems like the worst company for Arizona renters insurance, since its rates are the highest in the state by far. They’re $40 more a month than State Farm’s, on average — and State Farm’s are only $9 a month.
Still, American Family offers more
renters insurance discounts
You can get discounts from American Family for: bundling policies, signing up for auto pay, paying in full, going paperless, having a smart home and more.
than any other company we surveyed in Arizona. It also has more
add-on coverages
American Family’s add-ons offer coverage for equipment breakdown, flash floods, sewer back-ups, home businesses, pets and more.
than any other insurer. If you can get a few of its discounts, and if you want some of its add-ons, AmFam could be a good option for you.
Monthly rate: $15
Pros
Best customer satisfaction score of surveyed companies
Few complaints from customers
Several discounts
Good coverage options
Cons
Affordable rates, but 67% higher than State Farm
Amica is a solid choice for renters insurance in Arizona. Customers love it, based on its excellent rating from J.D. Power. It also offers some good add-ons that let you customize your policy, like coverage for computers, tablets and phones.
Although Amica’s rates are affordable and cheaper than the state average, they’re quite a bit higher than State Farm’s. It does offer several discounts, though, which could make it cheaper.
Monthly rate: $49
Pros
Most discounts of surveyed companies
Many coverage options
Few customer complaints
Cons
State’s highest rates (by a lot)
Average customer satisfaction score
At first glance, American Family seems like the worst company for Arizona renters insurance, since its rates are the highest in the state by far. They’re $40 more a month than State Farm’s, on average — and State Farm’s are only $9 a month.
Still, American Family offers more renters insurance discounts You can get discounts from American Family for: bundling policies, signing up for auto pay, paying in full, going paperless, having a smart home and more. than any other company we surveyed in Arizona. It also has more add-on coverages American Family’s add-ons offer coverage for equipment breakdown, flash floods, sewer back-ups, home businesses, pets and more. than any other insurer. If you can get a few of its discounts, and if you want some of its add-ons, AmFam could be a good option for you.
Is renters insurance required in Arizona?
You don’t need to buy renters insurance in Arizona because of any city or state laws. But you might need to buy it as part of a rental or lease agreement.
Many landlords require renters insurance to protect themselves from renters who damage the building or their unit. They also do it to protect themselves against liability claims and needing to cover relocation costs in certain cases.
Why you should buy renters insurance
It’s often a good idea to buy renters insurance even if your landlord doesn’t require it.
- It covers your belongings — like clothing, electronics and furniture — from damage or destruction. Your landlord’s insurance won’t cover this.
- It also protects you from liability claims, such as if you cause damage to the building or if someone is injured while visiting you.
- It’s cheap. Renters insurance offers a lot of coverage for only a few dollars per month.
How much is renters insurance in Arizona?
The average cost of renters insurance in Arizona is $21 a month, or $252 a year. That’s 17% higher than the U.S. average of $18 a month, or $216 a year.
What you pay for Arizona renters insurance depends on a few factors, including where you buy it. The average cost of a policy in Arizona ranges from $9 a month with State Farm to $49 a month with American Family.
Where you live in the state can also impact your monthly payment. People who live in Yuma, Ariz., pay $19 a month for renters insurance, for example. In Phoenix, the average rate is $24 a month, or 26% more.
Arizona renters insurance rates by city
| City | Monthly rate |
|---|---|
| Avondale | $22 |
| Buckeye | $22 |
| Casa Grande | $23 |
| Casas Adobes | $22 |
| Catalina Foothills | $22 |
| Chandler | $21 |
| Flagstaff | $21 |
| Gilbert | $20 |
| Glendale | $23 |
| Goodyear | $21 |
| Lake Havasu City | $21 |
| Marana | $22 |
| Maricopa | $25 |
| Mesa | $22 |
| Oro Valley | $21 |
| Peoria | $22 |
| Phoenix | $24 |
| Prescott Valley | $20 |
| Queen Creek | $20 |
| San Tan Valley | $15 |
| Scottsdale | $22 |
| Surprise | $22 |
| Tempe | $21 |
| Tucson | $23 |
| Yuma | $19 |
Frequently asked questions
You do not need to buy renters insurance in Arizona unless a landlord requires it. Many do. If your landlord requires it, it should say so in your lease or rental agreement.
Renters insurance for an apartment in Arizona costs $21 per month, on average. You might pay more or less than this amount based on things like where you buy your policy and how much stuff you want to cover.
State Farm has Arizona’s cheapest renters insurance, with rates of around $9 a month. Lemonade is next, with an average rate of $12 a month.