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Renters insurance provides coverage for your personal property, which is not covered by your landlord’s insurance. It also provides coverage for personal liability and even loss of use if you have to live elsewhere due to a covered loss.
The cost of renters insurance varies by state and how much coverage you need, but it’s generally very affordable. To find out how much you can expect to pay for a renters insurance policy, use our renters insurance calculator for an estimate.
Key Takeaways
- Renters insurance rates vary by state and city.
- Compare rates from top companies to find the cheapest renters insurance in your area.
- Make sure you have enough renters insurance to cover all of your personal property.
How much is renters insurance in your state or city?
Use the tool below to compare renters insurance rates by state. You can also check out average rates in various cities to compare them to the state average. Choose a state or city to discover the cost of renters insurance in that area.
Renters insurance calculator
How much renters insurance do you need?
You need enough renters insurance to cover all of your your personal property. It’s best to do a home inventory to get an idea of how much it would cost to replace everything you own. And remember, that’s not just the pricey items like your TV and laptop. In a total loss situation where nothing can be salvaged, it would cost thousands to replace all of the everyday items, like dishes, linens and clothing.
If you have any high-value items like jewelry or art pieces, you should ask about a scheduled personal property endorsement or floater, as there are special limits on certain items on a renters insurance policy.
A renters insurance policy comes with $100,000 in liability coverage, which you should consider increasing if you have assets to protect, even if you don’t own a home.
Renters insurance rates from the nation’s top providers
Renters insurance rates don’t just vary by location. You may pay a lot less than the average in your area if you shop around. Take a look at the difference between the cheapest and most expensive company for renters insurance in your state below.
State | Most expensive company | Average annual rate | Least expensive company | Average annual rate |
---|---|---|---|---|
Alaska | USAA | $336 | Allstate | $122 |
Alabama | Farmers | $579 | USAA | $175 |
Arkansas | Travelers | $920 | State Farm | $203 |
Arizona | Travelers | $446 | USAA | $135 |
California | Nationwide | $580 | Mercury Insurance | $155 |
Colorado | American Family | $297 | USAA | $145 |
Connecticut | Travelers | $563 | Allstate | $146 |
Washington, D.C. | Nationwide | $322 | USAA | $122 |
Delaware | Allstate | $217 | Cumberland Insurance | $101 |
Florida | HCI Group Inc | $471 | Nationwide | $132 |
Georgia | Allstate | $642 | Georgia Farm Bureau | $131 |
Hawaii | Ocean Harbor | $372 | State Farm | $118 |
Iowa | American Family | $264 | West Bend Mutual | $127 |
Idaho | Farm Bureau | $287 | USAA | $101 |
Illinois | Travelers | $454 | State Farm | $159 |
Indiana | Travelers | $549 | USAA | $112 |
Kansas | Marysville Mutual | $376 | Allstate | $162 |
Kentucky | Kentucky Farm Bureau | $318 | USAA | $108 |
Louisiana | LA Farm bureau | $854 | State Farm | $246 |
Massachusetts | Mapfre Insurance | $397 | State Farm | $117 |
Maryland | Allstate | $385 | USAA | $134 |
Maine | The Hanover | $496 | State Farm | $88 |
Michigan | Michigan Farm Bureau | $1,369 | Auto-Owners | $35 |
Minnesota | Western National Mutual | $315 | Automobile Club MI (AAA) | $116 |
Missouri | American Family | $363 | USAA | $113 |
Mississippi | Allstate | $763 | USAA | $140 |
Montana | Travelers | $460 | State Farm | $117 |
North Carolina | Erie Insurance | $512 | USAA | $142 |
North Dakota | Country Financial | $216 | State Farm | $123 |
Nebraska | Travelers | $617 | State Farm | $146 |
New Hampshire | Auto-Owners | $233 | Amica Mutual | $89 |
New Jersey | Plymouth Rock Assurance | $312 | New Jersey Manufacturers | $107 |
New Mexico | Farmers | $228 | State Farm | $137 |
Nevada | Nationwide | $293 | USAA | $134 |
New York | AIG | $1,195 | State Farm | $125 |
Ohio | Travelers | $555 | Grange Mutual | $151 |
Oklahoma | AFR Insurance | $392 | State Farm | $203 |
Oregon | Country Financial | $450 | State Farm | $172 |
Pennsylvania | Travelers | $531 | Erie Insurance | $104 |
Rhode Island | Pure Companies Grp | $1,378 | Amica Mutual | $185 |
South Carolina | Travelers | $641 | USAA | $153 |
South Dakota | American Family | $263 | State Farm | $115 |
Tennessee | Travelers | $581 | American National Finance | $150 |
Texas | Farmers | $464 | USAA | $132 |
Utah | Mutual of Enumclaw | $269 | Iowa Farm bureau | $136 |
Virginia | Travelers | $421 | State Farm | $130 |
Vermont | Travelers | $361 | Vermont Mutual | $100 |
Washington | American Family | $261 | Nationwide | $135 |
Wisconsin | American Family | $199 | West Bend Mutual | $79 |
West Virginia | Erie Insurance | $308 | USAA | $156 |
Wyoming | State Farm | $131 | USAA | $118 |
*USAA is only available to military members, veterans and their families
How much is renters insurance in your state or city
Compare renters insurance rates by state and learn about how renters insurance works in your area. Select your state or city from the below list to get an estimate of renters insurance cost.
Frequently asked questions
How can I get an estimate for my renters insurance cost using this calculator?
To see how much renters insurance costs on average in your state, simply select your state from the drop-down menu.
If you want to know how much renters insurance costs in your ZIP code, click on ‘Get Quotes,’ enter your ZIP code for rates more specific to your area.
Can I get multiple estimates from different insurance companies through this calculator?
Yes, the calculator can provide estimates from multiple companies that offer renters insurance in your area. These are average rates, and you will need to request quotes directly to get more accurate rates for your needs.
Can I get an estimate without providing personal information?
Yes, the renters insurance calculator allows you to get average insurance costs without having to provide personal details. It only requires very basic information such as your state and ZIP code.
However, personal factors such as your age, coverage level and credit score can affect your annual premiums, so request quotes from insurers in your area for more accurate rates.