Average renters insurance cost in Pennsylvania

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Renters in Pennsylvania pay an average of $325 annually – or $27 per month – for a policy with $40,000 in personal property coverage, $300,000 in liability protection, and a $1,000 deductible. For most renters, this is a practical benchmark to start from.

Your actual premium is shaped by the amount of coverage you select, the insurer you go with, and individual factors such as your ZIP code, claims history, and depending on your state – your credit score.

How much does renters insurance cost in Pennsylvania?

The average monthly cost of renters insurance in Pennsylvania is $27 for a policy with $40,000 in personal property coverage and $300,000 in liability protection. Premiums can shift depending on where you live, how much coverage you need, and the total value of your belongings – which is why getting quotes from several insurers is a smart move.

Generally speaking, raising your deductible lowers your monthly premium, while adding coverage for valuables like jewelry or electronics increases it. Choose a deductible and coverage level that fits both your budget and replacement needs.

Renters insurance in Pennsylvania: Where to start

Renters insurance in Pennsylvania averages $325 per year, or $27 per month for a standard policy
If you’re looking for the lowest price, State Farm tends to offer the most competitive rates in Pennsylvania, averaging around $210 per year
Since pricing varies widely between providers, it pays to compare a few options before making a decision

Which companies offer the cheapest renters insurance in Pennsylvania?

The most affordable renters insurance in Pennsylvania comes from State Farm, which averages $210 per year. Allstate and Erie Insurance are also competitive options for budget-conscious renters.

Keep in mind that the cheapest policy isn’t always the right one – coverage limits, deductibles, and available discounts all matter. The table below compares average annual and monthly rates from leading 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.

Want a more accurate renters insurance estimate?

Use our calculator to get a personalized renters insurance quote based on your location and coverage needs.

Your final premium may vary depending on the insurer, coverage limits, deductible, claims history, and other rating factors.

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

How much does renters insurance cost by coverage level in Pennsylvania?

The average annual renters insurance premium in Pennsylvania is $325, based on $40,000 in personal property coverage, $300,000 in liability, and a $1,000 deductible.

Dropping your personal property coverage from $40,000 to $20,000 could bring your annual cost down to around $227. Just make sure $20,000 would actually be enough to replace what you own before making that change.

The table below shows average annual premiums in Pennsylvania at both the $20,000 and $40,000 personal property coverage levels.

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

People also ask: How much renters insurance coverage do I need?

The right amount of coverage depends on the value of your belongings and how much financial risk you’re willing to take on. Most renters do well with $20,000 to $40,000 in personal property coverage and at least $300,000 in liability protection. If you own high-value items like jewelry or electronics, you may want to add endorsements on top of your base policy.

Renters insurance rates in Pennsylvania by city

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How much does renters insurance cost by city in Pennsylvania?

Your city within Pennsylvania can have a real impact on your renters insurance premium. Insurers factor in local variables like crime statistics, weather history, and how urban or suburban an area is when setting rates.

Here’s how average renters insurance costs break down across major cities in Pennsylvania.

Does your ZIP code affect renters insurance rates in Pennsylvania?

When it comes to pricing renters insurance, your ZIP code carries a lot of weight. Insurers look at the risk profile of your specific area – including local theft levels, weather exposure, and claims history – to determine your rate. Two renters with identical policies can pay very different premiums simply because of where they live.

Across Pennsylvania, annual premiums range from around $280 in 17727 to $492 in 19110. The cheapest and most expensive ZIP codes in Pennsylvania are listed below.

Why your ZIP code affects renters insurance costs

Renters insurance premiums are calculated using localized risk data, so rates can vary considerably depending on your neighborhood and ZIP code.

Factors that influence pricing include:

Local rates of theft and vandalism
Exposure to weather events such as wildfires, floods, or hurricanes
Fire incident history and repair costs in your area

A change of just a few ZIP codes can meaningfully affect your monthly rate.

What are the most affordable ZIP codes for renters insurance in Pennsylvania?

Among all ZIP codes in Pennsylvania, 17727 has the lowest average annual renters insurance rate at $280.

Lower theft rates and fewer weather-related claims are the main drivers behind more affordable premiums in these areas.

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

What are the least affordable ZIP codes for renters insurance in Pennsylvania?

19110 carries the highest average renters insurance cost in Pennsylvania at $492 per year, or $41 per month.

Below are average annual renters insurance rates for every ZIP code in Pennsylvania.

How to lower your renters insurance, even in a high-cost ZIP code

Compare quotes from a minimum of 3 insurers – pricing for the same coverage can vary by over $100 within a single ZIP code
Bundle renters and auto insurance with the same provider to unlock savings of 5% to 15%
Look into discounts tied to safety features. Smoke detectors, deadbolts, security cameras, and smart home systems can all qualify
Consider raising your deductible to $1,000 if it’s currently $500 – the savings can be around 10% annually
Ask your insurer about claims-free discounts if you’ve gone 3 or more years without filing

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

Is renters insurance worth it in Pennsylvania?

For most renters in Pennsylvania, renters insurance is well worth having. It protects your belongings against fire, theft, vandalism, and certain natural disasters, while also providing liability coverage if someone is injured in your home.

According to the US Department of Commerce, the US Census Bureau and American Community Survey â€“ over 48% of renter households in the US spend more than 30% of their income on rent and utilities, which means even smaller ongoing expenses like insurance are worth managing carefully.

Finding the right policy comes down to shopping around. Price matters, but it’s also important to review coverage options, deductibles, and customer satisfaction. Paying slightly more for better coverage can make a real difference when you need to file a claim.

Frequently asked questions

What does renters insurance actually cover?

Renters insurance generally covers three things: your personal belongings, liability protection, and additional living expenses if your home becomes uninhabitable after a covered event. It can help with losses from fire, theft, and vandalism, as well as legal or medical costs if a visitor is injured on your property. Coverage specifics differ by policy, so reviewing your limits and exclusions carefully is important.

Do I really need renters insurance in Pennsylvania?

There’s no universal legal requirement for renters insurance, but the protection it offers is hard to replicate on your own. A single incident – whether it’s a break-in, a fire, or accidental damage – can result in thousands of dollars in losses. Renters insurance covers those costs so you’re not paying out of pocket. It’s also increasingly common for landlords in Pennsylvania to require it as part of the lease agreement.

Sources:

Insurance Information Institute. Facts + statistics: Renters insurance. Accessed May 2026.

How much is renters insurance in other states

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Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.