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There’s a lot to take into account when shopping for renters insurance, but we’ve compiled a list of the top providers in Florida. Our insurance experts have analyzed price quotes from Florida’s largest renters insurance companies to help make your decision easier. Below is the list of cheapest renters insurance companies in Florida:

  • Phoenix
  • Universal
  • Castle Key Insurance
  • Citizens
  • First Floridian

Cheapest renters insurance companies in Florida

Phoenix offers the cheapest renters insurance in Florida at an average annual rate of $190 or $16 per month. Based on Insure.com’s rate analysis, we have mentioned cheap renters insurance companies in Florida along with their average annual rates.

CompanyAverage annual rateAverage monthly rate
Phoenix$190$16
Universal$202$17
Castle Key Insurance$204$17
Citizens$224$19
First Floridian$228$19
Nationwide$426$35
State Farm$483$40

Average cost of renters insurance in Florida by coverage level

In Florida, the average cost of renters insurance is $208 per year or $17 per month, that’s $118 less than the national average of $326. These rates are for the coverage level of $20,000 for personal property, $1000 as deductible and $300,000 as liability protection.

Find below average cost of renters insurance in Florida for coverage levels of- $40,000 and $60,000 with liability protection of $300,000 and $1000 as deductible.

Coverage levelAvg. annual renters insurance rateAvg. monthly renters insurance rate
$20,000$208$17
$40,000$313$26
$60,000$417$35

Most affordable ZIP codes for renters insurance in Florida

How much Florida renters pay for insurance majorly depends on the zip code they live in. Based on our findings, the most affordable zip code for renters insurance in Florida is 32648. Its average annual rate $201 or $17 per month.

The above mentioned rates are for the coverage limits of $40,000 for personal property, $1000 as deductible, and 100,000 in liability protection. Rates vary based on the zip code, that’s why comparing quotes is one of the easiest ways to get the best deal on renters insurance in Florida.

ZIP codeAverage annual rateAverage monthly rate
32648$201$17
32033$203$17
32259$204$17
32086$205$17
32052$207$17
32040$209$17
32081$210$18
32639$211$18
32601$213$18
32095$214$18

Least affordable ZIP codes for renters insurance in Florida

Your zip code, among other factors, affects how much you pay for renters insurance in Florida. 33040 is the least affordable zip code for Florida renters at an average cost of $927 a year or $77 monthly.

We have analyzed quotes from the major insurance carriers across all the zip codes in Florida. Below we’ll provide the average annual renters insurance costs by ZIP code, also find out how much renters insurance costs per month.

ZIP codeAverage annual rateAverage monthly rate
33040$927$77
33070$911$76
33001$910$76
33037$909$76
33036$907$76
33050$906$76
33042$904$75
33149$894$74
33154$882$74
33141$650$54

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 and auto bundle discounts in Florida

If you’re looking for ways to trim costs on your insurance premiums, consider purchasing both renters and auto policies from the same company. Bundling policies can help you save an average of $224 per year in Florida. Government Employees offers the cheapest rate on renters and auto insurance bundle, you can save an average of $46 annually or 3%.

CompanyAverage annual rateAverage base annual rate (without bundling)$ bundle average savings% bundle average savings
Government Employees $1,594$1,641$463%
State Farm$1,687$1,754$674%
Allied Prop & Cas $2,646$2,747$1014%
Standard Fire $2,816$2,846$311%
Metropolitan$2,969$3,603$63418%
Geico$4,111$4,233$1223%
Security Natl $4,186$4,392$2075%
Allstate$4,826$5,413$58711%

Know how much is renters insurance in other states

Alaska$165/Year
Alabama$377/Year
Arkansas$313/Year
Arizona$255/Year
California$225/Year
Colorado$221/Year
Connecticut$246/Year
Delaware$262/Year
Georgia$454/Year
Hawaii$166/Year
Iowa$245/Year
Idaho$232/Year
Illinois$245/Year
Indiana$238/Year
Kansas$274/Year
Kentucky$295/Year
Louisiana$417/Year
Massachusetts$269/Year
Maryland$194/Year
Maine$206/Year
Michigan$352/Year
Minnesota$362/Year
Missouri$279/Year
Mississippi$393/Year
Montana$201/Year
North Dakota$338/Year
Nebraska$226/Year
New Hampshire$171/Year
New Jersey$249/Year
New Mexico$261/Year
Nevada$259/Year
New York$230/Year
Ohio$282/Year
Oklahoma$380/Year
Oregon$189/Year
Pennsylvania$200/Year
Rhode Island$263/Year
South Dakota$160/Year
Tennessee$239/Year
Texas$251/Year
Utah$267/Year
Virginia$220/Year
Vermont$128/Year
Washington$174/Year
Wisconsin$191/Year
West Virginia$240/Year
Wyoming$150/Year
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