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 $325 per year or $27 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 $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

The average cost of renters insurance in Pennsylvania is $27 per month. Your premium may vary depending on your location, the value of your belongings, and the coverage limits you select. It’s recommended that you compare multiple insurance quotes to find the best price.

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

Average renters insurance cost in Pennsylvania by company

Renters in Pennsylvania can find the most budget-friendly insurance with State Farm, which has an average annual cost of $210, according to our data. Other affordable options include Allstate and Erie Insurance.

It’s a good idea to gather quotes from at least three insurance providers, as each company calculates premiums differently.

Below are the average annual and monthly renters insurance rates from various insurers 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 premiums can differ significantly depending on the city. To help you find the best policy for your needs, we’ve compiled a breakdown of average costs by city. Explore the typical renters insurance rates across various locations in 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

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-have for renters in Pennsylvania. It protects your belongings in the event of damage from fire, theft, vandalism or any other natural disasters.

To find the best renters insurance at an affordable rate, shop around and compare quotes from multiple insurance companies. In addition to price, consider factors like 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.