Where to Get the Best Cheap Renters Insurance in Arizona (2025)
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
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
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.
PROS
- Cheapest monthly rate
- Great customer satisfaction score
- Several add-on coverages
CONS
- Not many discounts
- Customer complaint rating is average
Runner-up: Lemonade
- Monthly rate: $12
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.
PROS
- Second-best rates
- Excellent customer satisfaction score
- Many optional coverages
CONS
- Not available in every state
- Few discounts
-
More customer complaints
than competitorsThe NAIC rates companies on confirmed complaints by size. A confirmed complaint is one that leads to a finding of fault.
Best customer satisfaction: Amica
- Monthly rate: $15
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.
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
Wild card: American Family
- Monthly rate: $49
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
PROS
- Most discounts of surveyed companies
- Many coverage options
- Few customer complaints
CONS
- State’s highest rates (by a lot)
- Average customer satisfaction score
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.
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.
Methodology
LendingTree collected thousands of renters insurance quotes from the largest insurance companies in each state, based on data availability.
We used thousands of renters insurance quotes from across the U.S. for a 30-year-old single woman who has no recent renters insurance claims. Your rates may vary. Coverage limits include:
- Personal property coverage: $20,000
- Deductible: $500
- Personal liability: $100,000
- Guest medical protection: $1,000
- Loss of use: $9,000
Overall satisfaction ratings were obtained from J.D. Power’s 2024 U.S. Home Insurance Study. The agency’s scores are based on customer surveys that rate insurance companies on factors like price, policy offerings and claims.