Who Has The Cheapest Renters Insurance Quotes in Arizona?

We conducted a study to see how much rent insurance costs could vary from city to city in Arizona using quotes a sample property: a rental property with roughly 1,000 square feet of living space and $100,000 in liability coverage. We found that premiums in the most expensive city are 42% higher than the those with the cheapest. Urban areas consistently have a higher percentage of renters and our study shows the difference in what they pay throughout the state. Rates have comparative value, but are not indicative of what tenants can expect to pay for their renters insurance. Enter your zip code for a list of companies to begin shopping for renters insurance quotes.

Cheapest Renters Insurance in Arizona

To find the cheapest renters insurance in Arizona, we conducted a study that used quotes from five major companies for a 1,000 square-foot home. We found that Allstate ranked the cheapest with an annual rate of $206 for our sample renters policy, which is about 33% cheaper than the average rate for the state. Here are the annual rates of the companies included in our study, ranked from cheapest to most expensive:

Rank Cheapest Renters Insurance CompanyAverage Annual Rates
1 Allstate $206
2 State Farm 218
3 Farmers 311
4 Liberty Mutual 316
5 Nationwide 490
Average 212

These rates were for a sample property. We recommend you get quotes from multiple companies to compare and find the best rate for yourself.

Best Renters Insurance Rates in Arizona: by City

The cheapest places for renters insurance in Arizona are located just northwest of Phoenix and scattered across the southeast corner of the state. Smaller cities and places just outside major urban centers tend to have the best rates and this holds true for the state of Arizona. Sun City, the cheapest place in the state, has rates that are 18% lower than the state average for the sample property.

RankCityAverage Annual Rate% Difference vs State Average
1 Sun City $261 -15%
2 Surprise 263 -15%
3 Sahuarita 276 -11%
4 Douglas 284 -8%
5 Benson 284 -8%

*The Average Annual Rate has been rounded to the nearest whole dollar amount.

Sun City, AZ

In 1960, Sun City consisted of only a few model homes, a golf course and some amenities but to the surprise of many, the development’s opening weekend drew 100,000 visitors and resulted in TIME magazine cover story. The city remains a popular spot for snowbirds and photographs of its many circular roads are infamous. Sun City stood out in our study with the best renters insurance rates in Arizona; rates are 15% cheaper than the study’s average for the state.

Surprise, AZ

Real estate developer and state legislator Homer C. Ludden founded Surprise in 1938 and named it after his hometown of Surprise, Nebraska. Initially, there were only a few houses and a gas station in the area. Later, the Sun City Grand, an age-restricted resort-like community, was built in the city by the Del Webb property development firm. In the 1990s and early 2000s, many retirees moved to the city to live in the community. Arizona also has the second cheapest renters insurance in Arizoa - the cost to insure the sample property is 15% lower than the state average.

Sahuarita, AZ

Sahuarita was incorporated in 1854 following the Gadsden Purchase, which formed what is currently the bottom part of Arizona and a sliver of New Mexico. The town is home to 27,000 renters and homeowners, as well as the largest pecan orchard in the world, at 6,000 acres. Sahuarita has the third lowest renters insurance quotes for our sample property, at 11% lower than our study’s average in the state of Arizona. 

Douglas, AZ

The city now known as Douglas was founded as a smelting town where the copper ores from Bisbee, Arizona were treated. It was named in honor of the president of the mining company Phelps Dodge Corporation, Dr. James S. Douglas, and was the site of the Arizona Copper Mine Strike of 1983, an important event in the U.S. labor movement. Renters in Douglas pay about 8% less to insure our study’s sample rental property compared to the average for the state, which places the city with the fourth lowest renters insurance rates in the state.

Benson, AZ

Benson was founded when the Southern Pacific Railroad was extended and began to pass through the area. The nearby Jay Six Cattle Ranch, which has hosted a number of political figures, is located just outside the city. The cost to insure our sample rental property in Benson is 8% lower than the average for the state in our study.

Most Expensive Renters Insurance in Arizona

Phoenix has the most expensive renters insurance, by far, with rates for our sample property at 17% higher than the state average. The other most expensive cities are located near Phoenix or in the southern part of the state.

RankCityAverage Annual Rate% Difference vs State Average
1 Phoenix $371 20%
2 Casa Grande 352 14%
3 Florence 352 14%
4 Scottsdale 344 11%
5 Ajo 343 11%

*The Average Annual Rate has been rounded to the nearest whole dollar amount.

Phoenix, AZ

Phoenix has an arid climate and some of the hottest seasonal temperatures in the U.S. Its residents see an average of 325 sunny days and less than eight inches of rain each year. The hottest recorded summer temperature was 122 degrees Fahrenheit and, though rare, it does snow in Phoenix. Residents there have the most expensive renters insurance in the state. Quotes were 20% higher for our sample property in Phoenix than the average for the state. 

Casa Grande, AZ

The mining boom in Arizona led to the establishment of Casa Grande in 1879. Thompson Rodney Peart was one of the founders and many areas and significant structures in the city are named after him, including Peart Park, the Peart Center and Peart Road. Casa Grande was named after the Hohokan Ruins at the Casa Grande Ruins National Monument. Renters insurance premiums for our sample property are 14% higher in Casa Grande than the average cost for the state.

Florence, AZ

Florence was plotted in 1866 by Colonel Levi Ruggles and developed into a major agricultural center in the area. Silver was discovered in the 1870s in the nearby Silver King Mine, which also sparked an economic boom and attracted many to the area. Tenants in Florence pay 14% more for renters insurance premiums than compared to our study’s average for the state.

Scottsdale, AZ

Scottsdale has a warm, arid climate. January is the coolest month of the year but still has an average daily temperature of 68 degrees Fahrenheit and July's average daily temperature over 100 degrees Fahrenheit. Scottsdale is almost always sunny and is known for having a vibrant nightlife. Renters insurance quotes in Scottsdale are 11% higher than the state average for our study’s sample property.

Ajo, AZ

This Census Designated Place, whose name is the Spanish word for garlic, is only 43 miles from the Mexican border. Up until 1985, most residents were employed by the nearby copper mine, which is nearly as deep as the Empire State Building is tall (more than 1,000 feet). Since then, the city has experienced a heightened interest in the arts and worked to attract tourism. Ajo renters insurance is 11% higher than the state average for our sample property used for our study.

Average Cost of Renters Insurance in Arizona: by City

To calculate aggregate rates for individual cities and a mean rate for the state of Arizona of $309, we gathered renters insurance quotes for a sample property from five major carriers across 51 cities. Rates for the most expensive cities were 42% higher than the cheapest but that is not as dramatic a difference in comparison to other states. While the most expensive place in Delaware is only 7% higher than the cheapest, the premiums in the most expensive city in California were more than 2x those in the cheapest.

This bar graph ranks the 51 cities and towns in our Arizona analysis from those with the cheapest renters insurance to the most expensive rates.

Study Methodology

Our study examined renters insurance quotes for a 1,000-square-foot residence with at least $25,000 in personal property coverage and $100,000 in liability coverage. We then collected quotes for that sample residence from five of the major carriers that offer a renters insurance product in the state of Arizona. We averaged rates for the sample home in each city as a benchmark to show which cities are relatively cheaper or more expensive. Those comparative values are not indicative of what tenants can expect to pay for an annual renters insurance premium.

RankCityAverage Annual Rate% Difference vs State Average
47 Ajo $343 11%
6 Apache Junction 286 -8%
5 Benson 284 -8%
30 Bisbee 306 -1%
27 Bullhead City 305 -1%
9 Camp Verde 296 -4%
49 Casa Grande 352 14%
45 Cave Creek 337 9%
44 Chandler 332 7%
13 Chino Valley 297 -4%
36 Coolidge 312 1%
14 Cottonwood 298 -4%
4 Douglas 284 -8%
35 Eloy 312 1%
18 Flagstaff 300 -3%
50 Florence 352 14%
39 Fountain Hills 319 3%
29 Gilbert 306 -1%
31 Glendale 307 -1%
33 Globe 310 0%
37 Goodyear 314 2%
34 Holbrook 311 1%
7 Kearny 291 -6%
28 Kingman 305 -1%
26 Lake Havasu City 305 -1%
38 Marana 317 2%
46 Maricopa 343 11%
41 Mesa 320 4%
25 Nogales 304 -2%
20 Page 301 -3%
22 Parker 302 -2%
10 Payson 296 -4%
32 Peoria 309 0%
51 Phoenix 371 20%
12 Prescott 297 -4%
8 Quartzsite 293 -5%
15 Safford 299 -3%
3 Sahuarita 276 -11%
48 Scottsdale 344 11%
11 Sedona 297 -4%
43 Show Low 328 6%
17 Sierra Vista 300 -3%
1 Sun City 261 -15%
2 Surprise 263 -15%
40 Tempe 319 3%
24 Tombstone 303 -2%
23 Tucson 302 -2%
16 Wickenburg 300 -3%
21 Willcox 301 -3%
42 Williams 325 5%
19 Yuma 300 -3%

*The Average Annual Rate has been rounded to the nearest whole dollar amount.

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