Average Renters Insurance Cost in Pennsylvania

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Renters insurance costs in Pennsylvania vary depending on your coverage level, insurance provider, and personal circumstances. On average, renters in Pennsylvania pay $274 per year or $23 per month for a policy that includes $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 $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

As we discussed above, the average cost of renters insurance in Pennsylvania is $274 per year. These rates are for a coverage level of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible.

However, if you lower the personal property coverage from $40,000 to $20,000, you will pay $193 per year for renters insurance in Pennsylvania, which provides $300,000 in liability protection with a $1000 deductible.

Below are the average renters insurance costs in Pennsylvania for personal property coverage amounts 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 vary from one city to another. But with Insure.com, finding the right renters insurance policy is easy. Learn more about renters insurance costs for different cities below.

Renters insurance rates in Pennsylvania by 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, 17022 is the state’s most affordable ZIP for renters insurance, with an average annual premium of $237.

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
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.

How much is renters insurance in other states

Alaska$257/Year

Alabama$324/Year

Arkansas$363/Year

Arizona$260/Year

California$271/Year

Colorado$191/Year

Connecticut$292/Year

Delaware$181/Year

Florida$248/Year

Georgia$352/Year

Hawaii$247/Year

Iowa$203/Year

Idaho$184/Year

Illinois$246/Year

Indiana$269/Year

Kansas$251/Year

Kentucky$207/Year

Louisiana$504/Year

Massachusetts$262/Year

Maryland$256/Year

Maine$198/Year

Michigan$340/Year

Minnesota$211/Year

Missouri$231/Year

Mississippi$387/Year

Montana$275/Year

North Carolina$366/Year

North Dakota$192/Year

Nebraska$295/Year

New Hampshire$173/Year

New Jersey$207/Year

New Mexico$201/Year

Nevada$246/Year

New York$293/Year

Ohio$252/Year

Oklahoma$281/Year

Oregon$288/Year

Rhode Island$476/Year

South Carolina$294/Year

South Dakota$202/Year

Tennessee$290/Year

Texas$226/Year

Utah$204/Year

Virginia$235/Year

Vermont$182/Year

Washington$222/Year

Wisconsin$167/Year

West Virginia$248/Year

Wyoming$136/Year

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.