Average renters insurance cost in Pennsylvania

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Renters in Pennsylvania pay an average of $325 per year, or $27 per month for renters insurance. This is based on a standard policy covering $40,000 in personal property, $300,000 in liability, and a $1,000 deductible – a reasonable baseline for most renters.

What you actually pay will depend on your coverage amount, which insurer you choose, and personal details like your ZIP code, claims history, and in some states, your credit score.

How much does renters insurance cost in Pennsylvania?

Renters insurance in Pennsylvania costs an average of $27 per month for a standard policy with $40,000 in personal property coverage and $300,000 in liability protection. Your actual premium can vary based on your location, coverage level, and the value of your belongings, so it’s worth comparing quotes from multiple insurers to find the best rate.

As a general rule, opting for a higher deductible can bring your monthly costs down, while adding extra coverage for high-value items like electronics or jewellery will push it up. Choose a deductible and coverage level that fits both your budget and replacement needs.

Renters insurance in Pennsylvania: Where to start

The average cost of renters insurance in Pennsylvania is $325 per year, or $27 per month for a standard policy
For the most affordable option, State Farm offers the lowest average rates in Pennsylvania at around $210 annually
Rates vary quite a bit between insurers, so comparing a few quotes before committing is worth the effort

Which companies offer the cheapest renters insurance in Pennsylvania?

State Farm offers the most affordable renters insurance in Pennsylvania, with an average annual cost of $210. Allstate and Erie Insurance are also worth considering if you’re looking to keep costs down.

Choosing the cheapest insurer isn’t always the best option, so it’s important to review coverage limits, deductibles, and available discounts alongside price. The table below shows average annual and monthly rates from a range of 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 cost of renters insurance in Pennsylvania is $325, 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 $227 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 average annual renters insurance premiums 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

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

Most renters need enough coverage to replace their personal belongings and protect against liability claims. A common starting point is $20,000 to $40,000 in personal property coverage and at least $300,000 in liability protection. That said, the right amount really depends on the value of what you own, any endorsements you might add for higher-value items, and how much risk you’re comfortable carrying yourself.

How much does renters insurance cost by city in Pennsylvania?

Renters insurance rates in Pennsylvania aren’t the same across the board – where you live within the state can make a noticeable difference. Local factors like crime rates, weather exposure, and population density all influence what insurers charge.

Here’s a look at how average rates compare across major cities in Pennsylvania.

Renters insurance rates in Pennsylvania by city

See rates in your city

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, a renters insurance policy protects your belongings from risks like fire, theft, vandalism, and certain weather events, and shields you from liability if someone is injured inside your home.

According to figures from the US Department of Commerce, the US Census Bureau, and the American Community Survey, approximately 48% of US renter households allocate more than 30% of their income toward rent and utilities. When housing already takes up a large share of your budget, it’s worth being thoughtful about every ongoing cost – including insurance.

Shopping around makes a real difference. Beyond price, look at what each policy actually covers, what the deductible is, and how the insurer performs when claims are filed. Slightly higher premiums can be worthwhile if the coverage is meaningfully better.

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

$269/Year

$390/Year

$406/Year

$275/Year

$300/Year

$224/Year

$325/Year

$207/Year

$215/Year

$353/Year

$252/Year

$216/Year

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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.