How much is renters insurance in Saint Paul, Virginia

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.

Renters in Saint Paul, Virginia pay an average of $251 per year for renters insurance – $19 less than compared to the state average of $270 annually.

Renters insurance protects your belongings against damage, theft, fire, smoke, and vandalism. It also provides liability coverage if you accidentally hurt someone or cause damage to their property.

What you’ll pay depends on your insurer, deductible, coverage limits, ZIP code, and any discounts you qualify for.

How to get the best deal for renters insurance in Saint Paul

Request quotes from at least three different insurers – pricing varies significantly, and the savings from switching can reach hundreds of dollars a year.
Combine your renters policy with your auto or another insurance policy at the same company to qualify for a bundling discount.
Consider raising your deductible from $500 to $1,000 – it can reduce your annual premium by $15.
Inquire about discounts for home safety features like deadbolts, smoke alarms, or a monitored security system.
Opt to pay your premium annually rather than monthly – most insurers reward this with a lower rate.

What is the average cost of renters insurance per month in Saint Paul?

Monthly renters insurance costs in Saint Paul depend on your provider and how much coverage you carry. For a policy with $20,000 in personal property coverage and a $1,000 deductible, the average monthly rate is $15.

Upgrading to $40,000 in personal property coverage adds approximately $6 more per month, putting the average premium at $21. That figure covers $40,000 in personal property protection, $100,000 in liability coverage, and a $1,000 deductible – $1 less than the state monthly average of $22.

Key takeaways

A renters policy covers your personal belongings and provides liability protection inside your rental
Renters insurance in Saint Paul averages $251 per year
Among local insurers, State Farm offers the lowest rates in the city
What you pay hinges on your coverage limits, ZIP code, insurer, and any discounts you’re eligible for
If your home is filled with electronics, jewelry, or quality furniture, higher coverage limits are worth the extra cost

How much is renters insurance in Saint Paul? Rates by deductible

For a policy with $20,000 in personal property coverage and a $500 deductible, renters in Saint Paul pay an average of $192 per year.

Your deductible is the share of a claim you cover before your insurer pays the rest. It’s also one of the most direct levers for controlling your premium – raising it from $500 to $1,000 can knock $15 off your annual cost.

The table below shows how premiums change across different personal property coverage amounts and deductible levels.

Deductible	Rates with $20,000 personal property	$40,000 personal property	$60,000 personal property
500	$192	$272	$351
1000	$177	$251	$323

Who offers affordable renters insurance in Saint Paul?

For the lowest rates in Saint Paul, State Farm leads the way at $124 annually or $10 per month. Progressive is the next most affordable option, followed by American Family.

Below is a comparison of the most affordable renters insurance providers in Saint Paul, including average annual and monthly rates.

Renter insurance provider	Average annual rate	Average per month rate
State Farm	$124	$10
Progressive	$184	$15
Erie Insurance	$228	$19
American Family	$228	$19
Farmers	$229	$19
Universal Insurance Holding	$237	$20
Nationwide	$258	$22
IAT Insurance Group	$275	$23
Allstate	$292	$24
Travelers	$454	$38

How to lower the cost of renters insurance

You can lower the cost of renters insurance by shopping around, bundling policies, and going for a higher deductible.

Bundle policies. Combining your renters, auto, or other coverage under one insurer typically earns you a discount across your policies.
Increase your deductible. Opting for a higher deductible will reduce your premium immediately – provided you’re confident you can cover that amount if a claim arises.
Choose the right coverage amount. Look over your policy every year. If your possessions are modest in value, there’s a good chance you’re paying for more personal property coverage than you actually need.
Avoid filing small claims. Submitting several small claims over time can accelerate rate increases more than a single larger claim. Where the cost is manageable, paying directly is often the smarter move.
Improve your credit score. Insurers in most states incorporate your credit score into their pricing. Improving it is one of the more impactful steps you can take to reduce what you pay.
Compare quotes every renewal. Your rate today may not be the best rate available. A few minutes spent comparing quotes at each renewal can add up to significant annual savings.

Renters insurance replaces what you own if it’s stolen or damaged, and it covers you financially when you’re liable for someone else’s loss. Getting quotes from multiple insurers and making use of available discounts are the most straightforward ways to secure a fair rate.

Frequently asked questions

Is renters insurance required in Saint Paul?

It isn’t required by state law, though some landlords make it a condition of renting. Either way, a policy provides valuable protection for your belongings and covers you if a visitor is injured on your property.

What does renters insurance cover?

Renters insurance covers personal belongings lost or damaged through covered events, liability if you’re held responsible for injury or property damage, and temporary housing costs if your rental becomes unlivable after a covered incident.

How much renters insurance do I need?

A good starting point is enough to replace all of your possessions. For anyone with higher-value items – think electronics, jewelry, or collectibles – it’s worth looking at higher limits or adding scheduled item coverage.

Who has the cheapest renters insurance in Saint Paul?

State Farm offers the most affordable rates in Saint Paul, averaging $10 per month.

Methodology

Insure.com worked with Quadrant Information Services to compile renters insurance rate data for Saint Paul, using a policy with $40,000 in personal property coverage, $300,000 in liability coverage, and a $1,000 deductible. All rates are based on a good credit tier profile.

How much is renters insurance in other cities?

See rates in your city

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.