Renters Insurance in Arizona — Average Cost 2026
Average renters insurance in Arizona: $285/year ($24/month). Arizona ranks #37 out of 51 states — above the national average.
Average annual
$285
Average monthly
$24
National rank
#37
of 51 states
vs national avg
+8.4%
Arizona vs national average
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Renters insurance in Arizona: wildfire considerations
Renters in Arizona pay around $24/month, 8% above the national average. Wildfire exposure in parts of Arizona can affect availability and pricing even for renters policies, since insurers price personal property coverage based on regional risk, not just building ownership.
A standard policy still covers smoke and fire damage to your belongings along with $100,000 in personal liability, and additional living expenses if you're temporarily displaced. If you're in a high-risk zone, confirm your policy explicitly covers wildfire before you need to file a claim.