Best and Cheapest Renters Insurance in Tucson, AZ (September 2024)


Updated: September 12, 2024

The best renters insurance company in Tucson, Arizona is Nationwide with a MoneyGeek score of 91 and an annual premium of $134. The cheapest renters insurance provider in Tucson, Arizona is Auto-Owners with a MoneyGeek score of 94 and an annual premium of $131.

The best homeowners insurance provider should offer a balance of customer service with affordability. Depending on your needs, other providers may be best. For example, Travelers excels in service quality with an annual premium of $297.

We also looked into the best and cheapest renters insurance in Arizona for those who live elsewhere in the state.

Table of Contents
MoneyGeek Logo IconBest & CheapestRentersTucson, AZ
2024

Why Trust MoneyGeek? To determine the best renters insurance in Tucson, Arizona, we evaluated data from the Arizona Department of Insurance and Quadrant Information Services.

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Renters insurance premiums in Tucson represent the most competitive estimates as of September 2024.

2,880Quotes Analyzed
 
8Providers Analyzed
 
3ZIP Codes

Overall Best Renters Insurance in Tucson, AZ

The best renters insurance in Tucson, Arizona, is Nationwide with a MoneyGeek score of 91 out of 100 and an annual premium of $134. The following providers are the two best renters insurance providers in Tucson for a policy with $20,000 in personal property coverage, $100,000 in personal liability and a $1,000 deductible:

  • Nationwide: MoneyGeek score of 91 out of 100 ($134 per year)
  • American Family: MoneyGeek score of 90 out of 100 ($145 per year)

Nationwide perfectly balances customer satisfaction and affordability, with an affordability score of 55 out of 55 and a customer satisfaction score of 24 out of 30.

Company logo for Nationwide
Best OverallNationwide
MoneyGeek Score:
91/ of 100

Overview

Nationwide ranks first in coverage in Tucson, with an annual premium of $134.

Nationwide offers uncommon coverages like credit card forgery and theft from vehicles. Credit card forgery protects you against unauthorized transactions on your credit cards and forged checks. Theft from vehicles extends protection to your personal belongings stored in vehicles, ensuring your items are covered even when you're on the go.

Best Renters Insurance in Tucson, AZ
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
NationwideMoneyGeek Score91Annual Premium$ 134
American FamilyMoneyGeek Score90Annual Premium$ 145
Auto-Owners InsuranceMoneyGeek Score88Annual Premium$ 131
State FarmMoneyGeek Score84Annual Premium$ 192
AllstateMoneyGeek Score83Annual Premium$ 139
TravelersMoneyGeek Score73Annual Premium$ 297
FarmersMoneyGeek Score49Annual Premium$ 436

Cheapest Renters Insurance in Tucson, AZ

In Tucson, Arizona, Auto-Owners offers the cheapest renters insurance with an annual premium of $131 for $20,000 in personal property coverage. The cheapest providers are:

  • Auto-Owners: $131 per year
  • Nationwide: $134 per year

MoneyGeek rated the cheapest renters insurance in Tucson with minimal consideration for customer service.

Personal property coverage protects your belongings against risks like theft, fire, and certain natural disasters. Cheap renters insurance policies often have low personal property coverage limits. Higher personal property coverage limits can lead to higher monthly costs but offer better protection if you have many personal belongings.

Cheapest Renters Insurance in Tucson, AZ
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
Auto-Owners InsuranceMoneyGeek Score94Annual Premium$ 131
NationwideMoneyGeek Score94Annual Premium$ 134
AllstateMoneyGeek Score90Annual Premium$ 139
American FamilyMoneyGeek Score92Annual Premium$ 145
State FarmMoneyGeek Score85Annual Premium$ 192
TravelersMoneyGeek Score69Annual Premium$ 297
FarmersMoneyGeek Score41Annual Premium$ 436

Cheapest Renters Insurance With a High Deductible Tucson, AZ

In Tucson, Arizona, Nationwide offers the cheapest renters insurance for a policy with $20,000 in personal property coverage and a $2,000 deductible, with an annual premium of $114. The following providers are the two cheapest providers in Tucson for $20,000 in personal property coverage and a $2,000 deductible:

  • Nationwide: $114 per year -Auto-Owners: $128 per year

A higher deductible often leads to cheaper premiums, while a lower deductible means higher premiums. It's important to balance both to ensure you can afford your premiums and out-of-pocket costs if you need to file a claim.

Cheapest High Deductible Renters Insurance in Tucson, AZ
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
Deductible:
Deductible:$ 2,000
NationwideMoneyGeek Score92Annual Premium$ 114
Auto-Owners InsuranceMoneyGeek Score86Annual Premium$ 128
American FamilyMoneyGeek Score89Annual Premium$ 135
AllstateMoneyGeek Score81Annual Premium$ 139
State FarmMoneyGeek Score82Annual Premium$ 184
TravelersMoneyGeek Score75Annual Premium$ 254
FarmersMoneyGeek Score49Annual Premium$ 403
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HOW TO SET YOUR DEDUCTIBLE

When selecting a deductible for your insurance policy, ensure it's an amount you can pay out of pocket if you need to file a claim. If you can afford it, opting for a higher deductible could decrease your annual premiums, leading to savings over time while still providing the financial protection you need.

Best Renters Insurance for Customer Service in Tucson, AZ

Travelers offers the best renters insurance for service quality in Tucson, Arizona, with an annual premium of $297. The following providers are the top two in Tucson, Arizona, for a policy with $20,000 in personal property coverage for those who value great customer service:

  • Travelers: MoneyGeek score of 85 out of 100 ($297 per year)
  • Nationwide: MoneyGeek score of 84 out of 100 ($134 per year)

MoneyGeek scores renters insurance providers based on customer satisfaction from J.D. Power surveys, which evaluate how well companies meet customer needs.

Great customer service is important for renters looking for insurance because it ensures that you receive the support you need when making a claim. For example, when you file a claim, a company with excellent customer service will guide you through the process efficiently, ensuring you get the help you need quickly.

Company logo for Travelers
Best Service QualityTravelers
MoneyGeek Score:
85/ of 100

Overview

Travelers ranks first in customer satisfaction and coverage in Tucson, Arizona, with an annual premium of $297. Travelers offers contents replacement cost and valuable items insurance. Contents replacement cost covers personal property losses based on replacement cost at the time of the loss, with no deduction for depreciation.

Valuable Items Insurance protects special property like jewelry, fine art, musical instruments, and computers from a variety of losses. These coverages provide renters with comprehensive protection for their valuable items.

Best Renters Insurance for Service Quality in Tucson, AZ
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
TravelersMoneyGeek Score85Annual Premium$ 297
NationwideMoneyGeek Score84Annual Premium$ 134
American FamilyMoneyGeek Score83Annual Premium$ 145
State FarmMoneyGeek Score77Annual Premium$ 192
Auto-Owners InsuranceMoneyGeek Score72Annual Premium$ 131
FarmersMoneyGeek Score68Annual Premium$ 436
AllstateMoneyGeek Score63Annual Premium$ 139

Best Renters Insurance for High Personal Property Limits in Tucson, AZ

American Family offers the best renters insurance for high personal property coverage in Tucson, Arizona, with an annual premium of $213 for a policy with $100,000 in personal property coverage. High personal property coverage refers to insurance policies that provide a higher limit for the value of personal belongings in the event of damage or loss. The following providers are the two best providers:

  • American Family: MoneyGeek score of 92 out of 100 ($213 per year)
  • Nationwide: MoneyGeek score of 90 out of 100 ($267 per year)

Renters with a substantial amount of belongings often need higher personal property coverage. This coverage protects items like furniture, electronics and clothing from events like theft or fire. As coverage limits increase, so does the premium cost.

It's important to find a provider that offers a good balance of cost and excellent service, particularly when you own numerous valuable items. Keep in mind, high-value items such as jewelry or art may require additional coverage beyond a standard renters insurance policy.

Company logo for American Family Insurance
Best High Personal Property LimitAmerican Family Insurance
MoneyGeek Score:
92/ of 100

Overview

American Family ranks first in affordability and customer satisfaction for renters with expensive homes in Tucson, offering an annual premium of $213.

American Family provides equipment breakdown and back-up of sewer or drain coverages. Equipment breakdown protects your gadgets and smart home devices from sudden mechanical or electrical failures. Back-up of sewer or drain coverage helps cover repair costs if water backs up into your home due to a blocked drain or overflowing sump, ensuring your expensive home remains protected.

Best Renters Insurance for High Personal Property Limits in Tucson, AZ
American FamilyMoneyGeek Score92Annual Premium$ 213
NationwideMoneyGeek Score90Annual Premium$ 267
State FarmMoneyGeek Score86Annual Premium$ 418
Auto-Owners InsuranceMoneyGeek Score84Annual Premium$ 371
TravelersMoneyGeek Score80Annual Premium$ 707
AllstateMoneyGeek Score78Annual Premium$ 419
FarmersMoneyGeek Score49Annual Premium$ 1,592
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SCHEDULED PERSONAL PROPERTY COVERAGE

If you own valuables such as fine jewelry or art, you would need additional coverage as these items are not usually covered by standard policies. Opt for a provider that offers scheduled personal property coverage, which extends coverage to such valuables.

Best Renters Insurance for Military Families in Tucson, AZ

In Tucson, USAA is the winning company for renters with military backgrounds, holding the top rank with an annual premium of $107. USAA is exclusively for those with military backgrounds. The following providers are the two best providers in Tucson for veterans for a policy with $20,000 in personal property coverage:

  • USAA: MoneyGeek score of 100 out of 100 ($107 per year)
  • Nationwide: MoneyGeek score of 91 out of 100 ($134 per year)

USAA offers a range of products tailored for those with a military background, providing discounts and coverages that suit the military lifestyle. USAA is also the cheapest in Tucson for military members.

Company logo for USAA
Best for MilitaryUSAA
MoneyGeek Score:
100/ of 100

Overview

USAA stands out as the premier renters insurance provider for those with a military background in Tucson, leading in customer satisfaction and offering the most comprehensive coverage. With an annual premium of just $107, it's an affordable choice for quality protection.

USAA's policy includes uncommon benefits like Contents Replacement Cost, ensuring new-for-old replacement of items, and Worldwide Personal Property coverage, offering peace of mind for personal belongings, even overseas. These features are particularly beneficial for military members who may face unique living situations or deployments.

Best Renters Insurance for Military in Tucson, AZ
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
USAAMoneyGeek Score100Annual Premium$ 107
NationwideMoneyGeek Score91Annual Premium$ 134
American FamilyMoneyGeek Score90Annual Premium$ 145
Auto-Owners InsuranceMoneyGeek Score88Annual Premium$ 131
State FarmMoneyGeek Score84Annual Premium$ 192
AllstateMoneyGeek Score83Annual Premium$ 139
TravelersMoneyGeek Score73Annual Premium$ 297
FarmersMoneyGeek Score49Annual Premium$ 436

Best Renters Insurance for Low Credit Scores in Tucson, AZ

The best renters insurance company for those with poor credit in Tucson is Nationwide, offering an annual premium of $213 for a policy with $20,000 in personal property coverage. The following providers are the two best providers in Tucson for those with poor credit for the same type of policy:

  • Nationwide: MoneyGeek score of 92 out of 100 ($213 per year)
  • American Family: MoneyGeek score of 92 out of 100 ($254 per year)

Rates in Tucson for those with poor credit are typically higher because these individuals are viewed as higher-risk by providers. This is due to a history that suggests a greater likelihood of filing claims. However, you can work on improving your credit score to help lower your rates over time and should look for discounts that can make your insurance more affordable.

Best for Low Credit Scores
MoneyGeek Score:
92/ of 100

Overview

Nationwide ranks first in affordability and coverage for renters in Tucson, offering an annual premium of $213. Renters can save more with uncommon discounts like credit card forgery, which covers unauthorized transactions on your cards and forged checks. Additionally, the theft from vehicles discount extends protection to personal belongings stored in or on any vehicle, trailer or watercraft.

Best Renters Insurance for Low Credit Scores in Tucson, AZ
Data filtered by:Results filtered by:
Credit Score:
Credit Score:Poor
Coverage:
Coverage:$20K Personal Property
NationwideMoneyGeek Score92Annual Premium$ 213
American FamilyMoneyGeek Score92Annual Premium$ 254
State FarmMoneyGeek Score89Annual Premium$ 398
TravelersMoneyGeek Score87Annual Premium$ 912
AllstateMoneyGeek Score84Annual Premium$ 214
FarmersMoneyGeek Score79Annual Premium$ 965
Auto-Owners InsuranceMoneyGeek Score51Annual Premium$ 4,348

Average Cost of Renters Insurance in Tucson, AZ

The average cost of renters insurance in Tucson, Arizona, is $211 annually or $18 monthly. This is higher than the Arizona state average of $195 annually and the national average of $145 annually. These rates are based on a renters insurance policy with $20,000 personal property limits, $100,000 liability limits, and a $1,000 deductible.

The average cost of renters insurance in Tucson may vary greatly depending on the amount of personal property coverage you purchase. Personal property coverage protects your belongings in case of theft, fire or other covered events. Use the calculator below to see how prices change based on the value of your personal property.

Personal Property Coverage Calculator

When figuring out how much renters insurance you need, experts recommend the standard $100,000 in liability insurance and enough personal property protection to cover your possessions. Use MoneyGeek's calculator to estimate the value of your possessions so you know how much personal property coverage to buy.

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Factors That Impact Renters Insurance Costs in Tucson

The cost of renters insurance in Tucson, Arizona, is influenced by multiple factors, including the location of the rental property and the amount of coverage desired. Understanding these variables is key to finding a policy that fits your budget and needs.

  • Location: The area where you live can affect your premium due to crime rates and weather-related risks.
  • Coverage Amount: Opting for higher coverage limits will increase your insurance costs.
  • Deductible: Choosing a higher deductible can lower your monthly premium, but you'll pay more out of pocket in the event of a claim.
  • Claims History: Renters with a history of claims may face higher premiums due to a higher perceived risk by insurance companies.
  • Credit Score: Insurance companies may factor in your credit history when determining your premium, with better credit records often leading to lower costs.

What Renters Insurance Covers in Tucson, AZ

Renters insurance primarily provides coverage for your personal belongings, but it also covers additional areas such as liability and living expenses if your rental is rendered uninhabitable. Here’s what a typical policy includes:

  • Personal Property Coverage: This covers the cost to repair or replace your belongings if they're damaged or stolen. For instance, a renter in Texas may receive compensation for a stolen laptop.
  • Personal Liability Coverage: This protects you financially if a guest is injured in your rental or you cause property damage. A Texas renter could use this coverage if a guest slips and falls in their apartment.
  • Loss of Use Coverage: This helps with additional living expenses if your rental is unlivable due to a covered peril. A renter might rely on loss of use coverage to pay for a hotel stay after a fire.
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COMMONLY COVERED PERILS

Renters insurance typically covers losses from incidents like theft, fire and water damage. Understanding your policy's specific coverage is key to ensuring you're protected. Here are common situations renters insurance covers:

  • Fire or lightning
  • Windstorm or hail
  • Explosions
  • Riots
  • Aircraft
  • Vehicles
  • Smoke damage

What Renters Insurance Does Not Cover in Tucson

Although renters insurance provides a financial safety net, it doesn't shield against every mishap. For instance, it typically excludes flood damage and your roommate's possessions.

  • Natural Disasters: Standard renters insurance often does not cover damage from floods.
  • Roommate's Belongings: Personal property coverage does not extend to items owned by a roommate unless they are listed on the policy.
  • High-Value Items: Expensive jewelry or electronics may exceed the policy's limit and require additional coverage.
  • Business Equipment: Property used for business purposes might not be covered under a standard renters insurance policy.
  • Pest Damage: Infestations and damage from pests like bed bugs or rodents are usually not covered.
  • Car Theft: While personal property stolen from your car may be covered, the theft of the car itself is not.

FAQ: Renters Insurance in Tucson, AZ

The best renters insurance provider for you in Tucson ultimately depends on your needs. Below are some frequently asked questions to help you make an informed decision.

How much is renters insurance in Tucson, Arizona, on average?
What is the cheapest renters insurance company in Tucson, Arizona?
What is the best renters insurance company in Tucson, Arizona?
Do I need renters insurance in Tucson, Arizona?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.