How Much Does Renters Insurance Cost in Mesa, AZ?
Mesa pricing is near the national average. Updated for 2026.
Based on local labor rates, desert climate conditions, and Mesa's aerospace-tech-healthcare economy.See our methodology
Renters Insurance Pricing in Mesa, AZ
Mesa offers near-average pricing for renters insurance, making it a reasonable market for this service. The local aerospace-tech-healthcare economy supports a growing labor pool, and the city's 505K population base ensures you can find multiple qualified providers to compare quotes.
Local climate plays a direct role in renters insurance costs here. Extreme desert heat makes HVAC the top priority; monsoon season creates periodic water damage.
Market-specific factors matter in Mesa: part of greater Phoenix metro; slightly more affordable than Phoenix proper; rapidly growing suburb with increasing contractor demand.
Mesa has moderate permitting requirements. Depending on the scope of your renters insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Mesa vs National Average
What Affects Renters Insurance Cost in Mesa?
Coverage
$20K: $10-$15/mo; $50K: $20-$35/mo
Location
High-crime adds 50-100%
Deductible
$500 vs $1,000 saves $3-$8/mo
Mesa Market Conditions
part of greater Phoenix metro; slightly more affordable than Phoenix proper; rapidly growing suburb with increasing contractor demand
Local Climate Impact
extreme desert heat makes HVAC the top priority; monsoon season creates periodic water damage
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Top-Rated Renters Insurance Pros in Mesa, AZ
5 providersPremier Electrical
⭐ PREMIUMServing Mesa and surrounding areas since 2010. Licensed, insured, and committed to quality workmanship at fair prices.
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✅ VERIFIEDReliable Roofing & Siding
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Tips to Save on Renters Insurance in Mesa
- 1.Bundle with auto for 10-20% discount
- 2.Increase deductible to $1,000
- 3.Create home inventory
- 4.Actual cash value is cheaper
📈 Renters Insurance in Mesa Cost Trends (2020–2024)
Prices have increased +18.8% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $16 | — |
| 2021 | $17 | +6.3% |
| 2022 | $18 | +5.9% |
| 2023 | $18 | +0.0% |
| 2024 | $19 | +5.6% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Renters Insurance in Mesa
Recent Reports
Frequently Asked Questions
How much?
$15-$30/month on average.
What is covered?
Personal property, liability, additional living expenses.
Why does renters insurance cost different in Mesa than other cities?
Mesa's costs reflect local labor rates driven by the aerospace-tech-healthcare economy, desert climate conditions that affect materials and scheduling, and moderate permitting requirements. The growing labor market also influences competitive pricing.
Renters Insurance Cost in Nearby Cities
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