Home Home insurance Renters insurance Renters insurance cost Virginia St. Paul, VA How much is renters insurance in Saint Paul, VA According to Insure.com's data analysis, the average cost of renters insurance in Saint Paul is $220 per year or $18 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite 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. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service. | Updated on: February 3, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. The average cost of renters insurance in Saint Paul, VA is $220 per year (for insurance coverage of $40,000 in personal property coverage, $300,000 in liability coverage and $1000 as deductible) — that’s $15 less than the state average of $235 a year.It can be higher or lower depending on the coverage limit you choose and the amount of liability the policy provides. If you live in a rented apartment or home, you should consider buying renters insurance because it protects your personal belongings from damage caused by covered perils such as fire or smoke damage, theft, vandalism and other mishaps. We did a thorough analysis of renters insurance companies to find the most affordable options for Saint Paul renters. Keep reading to find out the cheapest renters insurance companies in Saint Paul.Key TakeawaysThe average cost of renters insurance in Saint Paul is $220 annually or $18 monthly.The cheapest option for renters in Saint Paul is State Farm, offering coverage at $9 per month.Renters can reduce their insurance costs by taking advantage of discounts, such as discounts for installing a security system or bundling policies.What is the average cost of renters insurance per month in Saint Paul?The average monthly cost of renters insurance in Saint Paul is $18, which is $2 less than the state average of $20. This rate is for the coverage limit of $40,000 in personal property, $100,000 in liability protection and a $1000 deductible.Renters insurance rates vary by city depending on the coverage and the insurance company you choose. For example, renters in Saint Paul pay $14 monthly for $20,000 in personal property coverage with a $1,000 deductible. If you increase your personal property coverage to $40,000, the cost will rise by $4 more.You’ll need to determine the right amount of coverage based on your needs and budget. However, opting for higher coverage limits is recommended if you own valuable items like jewelry, furniture and electronics.How much is renters insurance in Saint Paul by deductible?Renters insurance in Saint Paul costs an average of $175 per year for a $500 deductible and $20,000 in personal property coverage.The deductible is the amount you pay before your insurance coverage applies. By increasing your deductible, you can lower your insurance premium. For instance, raising your deductible from $500 to $1,000 will save you $11 annually.The table below shows renters insurance premiums for varying personal property coverage and deductible amounts.Deductible$20000 personal property$40000 personal property$60000 personal property$500$175$238$302$1,000$164$220$279Read our guide to know what does renters insurance cover.Who offers cheap renters insurance in Saint Paul?Your quest for the cheapest renters insurance ends here.State Farm provides the cheapest rates in Saint Paul, with an annual premium of $111 or $9 per month. Nationwide is the second cheapest company, followed by Progressive.Insure.com’s experts have compared renters insurance quotes from all the national and regional carriers in Saint Paul to create a list of the most affordable insurers. Below is a list of the cheapest renters insurance companies and their average annual and monthly rates.Renter insurance providerAverage annual rateAverage per month rateState Farm$111$9Nationwide$148$12Progressive$179$15American Family$194$16Universal Insurance Holding$204$17Farmers$230$19Allstate$235$20Erie Insurance$235$20IAT Insurance Group$253$21Travelers$412$34Tips for reducing the cost of renters insuranceBelow are some tips to help you save on renters insurance in Saint Paul:Bundle policies: If you have other insurance, such as car insurance, bundling it with the same provider can often earn you a discount. Many insurers in Saint Paul offer savings for bundling policies.Increase your deductible: Choosing a higher deductible can lower your premium, but ensure you’re prepared to cover the higher out-of-pocket costs if you need to file a claim.Choose the right coverage amount: Regularly review your renters insurance to avoid paying for more coverage than you need. For example, you might opt for lower personal property coverage if you don’t own high-value items.Limit small claims: Filing multiple small claims can drive up your rates. If possible, consider paying for minor damages out of pocket to keep your premium low.Shop around for quotes: Don’t settle for the first offer. Compare renters insurance rates from multiple providers in Saint Paul to find the best coverage at the lowest price.Final thoughtsRenters insurance in Saint Paul, VA, offers valuable protection for renters at an affordable price. While premiums can vary depending on location, coverage amount and individual circumstances, the peace of mind it provides is worth the investment. By understanding your coverage needs, comparing quotes and taking advantage of discounts, you can find an affordable policy that suits your budget.MethodologyInsure.com, with the help of Quadrant Information Services, gathered data for renters insurance rates in Saint Paul for $40,000 personal property coverage, $300,000 liability coverage, and a $1000 deductible. The data presented are those with a good credit tier alignment. How much is renters insurance in other citiesAshburnCarrolltonMarkhamRestonVirginia BeachShivani GiteContributing 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. In case you missed it What is HO-6 condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2025 What is dwelling coverage and how much do you need? 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By Lena Borrelli Condo insurance calculator: Estimate the cost of coverage By Jessica Olson Home insurance for older homes with knob and tube wiring By Erik Martin On this page What is the average cost of renters insurance per month in Saint Paul?How much is renters insurance in Saint Paul by deductible?Who offers cheap renters insurance in Saint Paul?Tips for reducing the cost of renters insuranceFinal thoughtsMethodology ZIP Code Please enter valid ZIP See rates