Cheapest & Best Renters Insurance In Mesa 2025
If you’re renting in Mesa, AZ, State Farm offers budget-friendly renters insurance, with plans starting at around $8 per month. Meanwhile, many consider Nationwide to be the best all-around choice for coverage in the region.
We’ve saved shoppers an average of $200 per year on their renters insurance.
In Mesa, AZ, State Farm has the lowest renters insurance rates, averaging just $8 a month. But if you’re after more flexible coverage and customizable policies, Nationwide might be a better fit, even though it costs more—about $25 per month.
Known as the Valley’s Gateway, Mesa sees more than 8,000 property crimes each year, affecting approximately 17 in every 1,000 residents. With threats like theft and natural disasters, having renters insurance is a smart way to protect your personal items and give yourself some financial security and peace of mind.
Cheapest Renters Insurance Companies In Mesa
If you’re looking for low-cost renters insurance in Mesa, State Farm offers the most affordable rates, averaging around $8 per month. To make it easier to weigh your options, the table below highlights the five cheapest insurance providers in the area.
| Company | Average Monthly Cost |
| American Family | $10 |
| USAA | $9 |
| Auto-Owners | $11 |
| State Farm | $8 |
| Travelers | $13 |
Best Renters Insurance Companies In Mesa
State Farm is a solid pick for renters in Mesa who want low-cost insurance. That said, the cheapest option doesn’t always offer the best value in terms of coverage and support. Personally, I think Nationwide takes the lead overall. They provide a wide variety of coverage choices, strong customer service, and flexible policy options. Plus, they include added benefits like protection against credit card fraud—extras you won’t typically find with other local insurers.
| Company | Average Monthly Cost |
| Nationwide | $25 |
| Lemonade | $17 |
| American Family | $10 |
| Farmers | $30 |
| Allstate | $21 |
Average Cost Of Renters Insurance In Mesa
On average, renters in Mesa pay around $24 per month—or about $288 annually—for insurance. However, your individual rate can differ depending on things like your coverage amount, where you live, your deductible, and how each insurer sets its prices. The table below shows a comparison of average rates from five leading providers in the area.
| Company | Average Monthly Cost |
| Nationwide | $28 |
| American Family | $13 |
| Lemonade | $20 |
| Farmers | $32 |
| Allstate | $25 |
Average Cost Of Renters Insurance In Mesa By Deductible
A deductible is the portion you pay out of pocket before your renters insurance starts covering a claim. Opting for a higher deductible usually results in lower monthly premiums, whereas a lower deductible often leads to higher monthly payments. The table below shows how renters insurance rates in Mesa vary depending on the deductible you choose.
| Deductible Amount | Average Monthly Cost |
| $250 | $24 |
| $500 | $23 |
| $1,000 | $21 |
| $1,500 | $20 |
| $2,000 | $18 |
Factors That Impact Renters Insurance Costs In Mesa
Several things can affect how much you pay for renters insurance in Mesa:
Coverage Limits: Policies with extra features like replacement cost coverage or identity theft protection usually come with higher premiums.
Claim History: If you’ve filed multiple claims before, insurers may see you as a higher risk, which can drive up your rates.
Deductible Amount: A higher deductible can lower your monthly premium, while a lower one increases costs because the insurer takes on more risk.
Credit Score: Many insurance companies factor in your credit score—lower scores often lead to more expensive premiums.
Location: Living in areas with high crime or a greater chance of natural disasters, like floods or wildfires, can raise your insurance costs.
Home Safety Features: Having smoke alarms, security systems, or sprinklers in place can help reduce risk and may make you eligible for discounts.
Common Causes Of Loss In Arizona
Renters in Arizona often face risks like theft, fire, flooding, and water damage, making renters insurance a smart and necessary investment. Knowing what’s covered and what’s not can help you choose the right policy for your needs.
Theft
Mesa reports over 8,000 property crimes each year, with more than 130,000 across Arizona. Renters insurance can help replace stolen items and may even include liability coverage if someone gets hurt during a break-in. Keep in mind, though, it usually won’t cover damage to your vehicle or the building itself.
Fire
Fires—especially in multi-unit buildings—can spread fast and cause major damage. Most renters policies cover personal belongings lost to fire, helping you recover without paying out of pocket.
Floods
Flooding is common during Mesa’s monsoon season. Since standard renters insurance doesn’t include flood coverage, getting a separate flood insurance policy is a smart move. Providers like State Farm and Nationwide offer strong flood coverage options.
Water Damage
Issues like leaky pipes, plumbing failures, or roof leaks can lead to serious damage. Standard policies usually cover this type of internal water damage—but not flooding from storms or rising water, which requires separate coverage.
Wildfires
Arizona is no stranger to wildfires, and luckily, most renters insurance plans in Mesa cover wildfire damage without the need for an extra policy or add-on.
Other Covered Events
Many renters policies also include protection against vandalism, certain types of accidental damage, and some natural disasters, giving you added peace of mind.
By understanding these potential risks, renters can make informed choices and pick insurance coverage that offers real protection when it matters most.
Our Methodology
To assess renters insurance providers in Mesa, we focused on key factors such as pricing, available coverage options, ease of claims processing, and customer service quality. We gathered quotes from several insurers based on a standard policy offering $20,000 in personal property coverage and $100,000 in liability protection.
We also reviewed deductible choices, coverage for specific risks like floods and earthquakes, and available discounts—especially for bundling renters and auto insurance. Customer satisfaction was a major part of our evaluation, with ratings from trusted sources like J.D. Power and Consumer Reports helping us identify companies with dependable service and fast claims resolution.
On top of that, we considered local risks specific to Mesa, such as theft and water damage, which can significantly impact the kind of coverage renters may need. Taking all these factors into account, our guide offers a well-rounded comparison to help you find the best renters insurance options in Arizona.
Quotes Analyzed
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About Bob Phillips
