Average Renters Insurance Cost in Pennsylvania

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In Pennsylvania, renters insurance rates depend on factors like your insurer, chosen coverage limits and personal circumstances. On average, renters pay $325 annually or $27 monthly for a policy with $40,000 in personal property coverage, $300,000 in liability protection, and a $1,000 deductible.

Key Takeaways

The average cost of renters insurance in Pennsylvania is $325 per year or $27 per month.
State Farm provides the least expensive renters insurance in Pennsylvania at an average rate of $210 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 cost of renters insurance is $27 per month. However, the exact premiums may vary based on factors like your location, the value of your belongings, and the amount of coverage you choose. It’s always a good idea to compare quotes from multiple insurers to ensure you get the best deal.

Average renters ins cost per month	Difference compared to national average
$27	$3 more

Average renters insurance cost in Pennsylvania by company

According to our data, State Farm provides the most affordable renters insurance in Pennsylvania, with an average annual rate of $210, followed by Allstate and Erie Insurance.

Getting quotes from multiple renters insurance companies in Pennsylvania is a good idea, as prices can differ significantly among insurers.

Below, you can find average annual and monthly renters insurance rates from various companies in Pennsylvania.

Company	Average annual rate	Average monthly rate
State Farm	$210	$18
Allstate	$242	$20
Erie Insurance	$246	$21
Nationwide	$294	$25
Farmers	$418	$35
Travelers	$604	$50
USAA*	$264	$22

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

Renters insurance calculator in Pennsylvania

$298/year

Estimated renters insurance rates in Pennsylvania

$25

Monthly renters insurance cost in Pennsylvania

10%

Compared to national average

Average cost of renters insurance in Pennsylvania by coverage level

On average, Pennsylvania renters pay $325 each year for insurance for a coverage limit of $40,000 in personal property, $300,000 in liability protection and a $1,000 deductible.

Reducing your personal property coverage from $40,000 to $20,000 can lower your renters insurance cost in Pennsylvania to $227 per year. This policy still includes $300,000 in liability protection and a $1,000 deductible. However, you should ensure that $20,000 is adequate coverage for your personal belongings before making this change.

Below are 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	$218	$18
$20,000 with $500 Deductible and $300,000 Liability	$243	$20
$20,000 with $1,000 Deductible and $100,000 Liability	$202	$17
$20,000 with $1,000 Deductible and $300,000 Liability	$227	$19
$40,000 with $500 Deductible and $100,000 Liability	$321	$27
$40,000 with $500 Deductible and $300,000 Liability	$349	$29
$40,000 with $1,000 Deductible and $100,000 Liability	$298	$25
$40,000 with $1,000 Deductible and $300,000 Liability	$325	$27
$60,000 with $500 Deductible and $100,000 Liability	$427	$36
$60,000 with $500 Deductible and $300,000 Liability	$459	$38
$60,000 with $1,000 Deductible and $100,000 Liability	$397	$33
$60,000 with $1,000 Deductible and $300,000 Liability	$430	$36

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

Renters insurance costs in Pennsylvania vary by ZIP code. Below, we’ll cover which ZIP codes have the most affordable coverage and which areas have the highest premiums.

Most affordable ZIP codes for renters insurance in Pennsylvania

The amount Pennsylvania renters pay for insurance largely depends on their ZIP code. Among all the ZIP codes analyzed, 17727 is the state’s most affordable ZIP for renters insurance, with an average annual premium of $280.

Since rates differ by ZIP code, comparing quotes is one of the simplest ways to get the most affordable renters insurance policy in Pennsylvania.

ZIP code	City	Average annual rate	Average monthly rate
17727	Cedar Run	$280	$23
17201	Chambersburg	$280	$23
17214	Blue Ridge Summit	$281	$23
17013	Carlisle	$281	$23
15763	Northpoint	$281	$23
17022	Elizabethtown	$283	$24
17065	Mount Holly Springs	$283	$24
15601	Greensburg	$284	$24
17237	Mont Alto	$285	$24
17257	Shippensburg	$285	$24

Least affordable ZIP codes for renters insurance in Pennsylvania

19110 is the most expensive ZIP code for renters insurance in Pennsylvania, at an average cost of $492 annually or $41 monthly.

We’ve gathered and analyzed quotes from major insurance companies across all ZIP codes in Pennsylvania. The table below shows the average annual renters insurance rates by ZIP code.

ZIP code	City	Average annual rate	Average monthly rate
19110	Philadelphia	$492	$41
15290	Pittsburgh	$390	$33
15429	Denbo	$388	$32
15334	Garards Fort	$386	$32
15316	Brave	$384	$32
18459	South Canaan	$383	$32
16541	Erie	$382	$32
19052	Lenni	$382	$32
18473	White Mills	$382	$32
19331	Concordville	$381	$32

Final thoughts: Average renters insurance in Pennsylvania

Renters insurance is a must for Pennsylvania renters. It protects personal belongings from damage caused by fire, theft, vandalism and natural disasters, giving renters confidence and peace of mind.

Finding the most affordable renters insurance requires shopping around and comparing quotes from multiple insurers. To make an informed choice, consider not just the price but also the coverage options, deductibles, and customer reviews.

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.