Average Renters Insurance Cost in Pennsylvania

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Renters insurance costs in Pennsylvania vary depending on various factors, including the coverage amount, insurance company and individual circumstances. The average cost of renters insurance in Pennsylvania is $274 per year or $23 per month for a coverage limit of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible. These are average rates, and actual premiums may differ.

Key Takeaways

The average cost of renters insurance in Pennsylvania is $274 per year or $23 per month.
Erie Insurance provides the least expensive renters insurance in Pennsylvania at an average rate of $118 annually.
Renters insurance rates can vary significantly among insurance companies. Compare quotes to find the best deal on renters insurance in Pennsylvania.

Average renters insurance cost in Pennsylvania per month

In Pennsylvania, the average monthly cost of renters insurance is $23. However, premiums can differ depending on factors such as your rental’s location, the value of your personal belongings and the level of coverage you select. Experts recommend comparing quotes from different insurance companies to find the best deal.

Average renters ins cost per month	Difference compared to national average
$23	$1 more

Average renters insurance cost in Pennsylvania by company

Erie Insurance offers the most affordable renters insurance in Pennsylvania at an average annual rate of $118, followed by Donegal and State Farm, based on our data.

However, you should get multiple quotes from various renters insurance companies in Pennsylvania because the prices vary greatly among carriers.

Below, we have compared the average annual and monthly renters insurance rates of insurance companies across Pennsylvania.

Company	Average annual rate	Average monthly rate
Erie Insurance	$118	$10
Donegal	$168	$14
State Farm	$209	$17
Allstate	$215	$18
Nationwide	$291	$24
Farmers	$337	$28
Travelers	$590	$49
USAA*	$235	$20

*USAA is only available to military community members and their families.

Renters insurance calculator in Pennsylvania

$249/year

Estimated renters insurance rates in Pennsylvania

$21

Monthly renters insurance cost in Pennsylvania

Compared to national average

Average cost of renters insurance in Pennsylvania by coverage level

The average annual cost of renters insurance in Pennsylvania is $274, with a personal property coverage limit of $40,000, $300,000 in liability coverage and a $1,000 deductible.

However, if you lower your personal property coverage from $40,000 to $20,000, you can expect to pay $193 a year for renters insurance in Pennsylvania. Make sure $20,000 is enough to cover your belongings before deciding to adjust your coverage.

The table below shows the average annual renters insurance costs in Pennsylvania for personal property coverage of $20,000 and $40,000.

Coverage level	Average annual renters insurance rate	Average monthly renters insurance rate
$20,000 with $500 Deductible and $100,000 Liability	$183	$15
$20,000 with $500 Deductible and $300,000 Liability	$205	$17
$20,000 with $1,000 Deductible and $100,000 Liability	$171	$14
$20,000 with $1,000 Deductible and $300,000 Liability	$193	$16
$40,000 with $500 Deductible and $100,000 Liability	$267	$22
$40,000 with $500 Deductible and $300,000 Liability	$293	$24
$40,000 with $1,000 Deductible and $100,000 Liability	$249	$21
$40,000 with $1,000 Deductible and $300,000 Liability	$274	$23
$60,000 with $500 Deductible and $100,000 Liability	$356	$30
$60,000 with $500 Deductible and $300,000 Liability	$386	$32
$60,000 with $1,000 Deductible and $100,000 Liability	$333	$28
$60,000 with $1,000 Deductible and $300,000 Liability	$362	$30

Average cost of renters insurance in Pennsylvania by city

Renters insurance rates can vary widely between cities. To make finding the right policy easier, we’ve broken down the costs by city. Discover how much renters insurance typically costs in different areas of Pennsylvania.

Renters insurance rates in Pennsylvania by city

See rates in your city

Average cost of renters insurance in Pennsylvania by ZIP code

The cost of renters insurance in Pennsylvania varies by ZIP code. It’s important to note that the affordability of renters insurance can differ significantly depending on your location.

To provide a more comprehensive overview, let’s see some of the most and least affordable ZIP codes for renters insurance in Pennsylvania.

Most affordable ZIP codes for renters insurance in Pennsylvania

How much Pennsylvania renters pay for insurance depends on the ZIP code they live in. 17022 is the most affordable ZIP code for renters insurance in Pennsylvania among all the ZIP codes analyzed, at $237 a year on average.

Rates vary by ZIP code, so comparing quotes is one of the easiest ways to get the best deal on renters insurance in Pennsylvania.

ZIP code	City	Average annual rate	Average monthly rate
17022	Elizabethtown	$237	$20
17013	Carlisle	$237	$20
17065	Mount Holly Springs	$238	$20
17015	Carlisle	$238	$20
17201	Chambersburg	$238	$20
17007	Boiling Springs	$239	$20
17241	Newville	$239	$20
17257	Shippensburg	$239	$20
17078	Campbelltown	$239	$20
17050	Mechanicsburg	$240	$20

Least affordable ZIP codes for renters insurance in Pennsylvania

Among the ZIP codes analyzed by Insure.com, the least affordable ZIP code for renters insurance in Pennsylvania is 19110, with an average cost of $441 a year or $37 monthly.

We analyzed quotes from multiple insurance providers across every ZIP code in Pennsylvania. Below, you’l find the average annual renters insurance premiums broken down by ZIP code.

ZIP code	City	Average annual rate	Average monthly rate
19110	Philadelphia	$441	$37

Final thoughts: Average renters insurance in Pennsylvania

Renters insurance is essential for residents of Pennsylvania. It safeguards possessions against damage from fire, theft, vandalism, and natural disasters, ensuring protection in unforeseen circumstances.

To get the best renters insurance at an affordable price, shop around and compare quotes from various insurance carriers. In addition to insurance premiums, consider factors such as coverage options, deductibles, and customer reviews to make an informed decision.

Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.