Renters insurance calculator

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Renters insurance provides coverage for your personal property, which is not covered by your landlord’s insurance. It also provides coverage for personal liability and even loss of use if you have to live elsewhere due to a covered loss.

The cost of renters insurance varies by state and how much coverage you need, but it’s generally very affordable. To find out how much you can expect to pay for a renters insurance policy, use our renters insurance calculator for an estimate.

Key Takeaways

Renters insurance rates vary by state and city.
Compare rates from top companies to find the cheapest renters insurance in your area.
Make sure you have enough renters insurance to cover all of your personal property.

How to calculate renters insurance rates in your state or city

Use the tool below to compare renters insurance rates across states and cities. Simply select a location to view average costs in your area and see how they stack up against state and national averages.

$230/year

Estimated renters insurance rates in Florida

$19

Monthly renters insurance cost in Florida

-7%

Compared to national average

How much renters insurance do you need?

You need enough renters insurance to cover all of your your personal property. It’s best to do a home inventory to get an idea of how much it would cost to replace everything you own. And remember, that’s not just the pricey items like your TV and laptop. In a total loss situation where nothing can be salvaged, it would cost thousands to replace all of the everyday items, like dishes, linens and clothing.

If you have any high-value items like jewelry or art pieces, you should ask about a scheduled personal property endorsement or floater, as there are special limits on certain items on a renters insurance policy.

A renters insurance policy comes with $100,000 in liability coverage, which you should consider increasing if you have assets to protect, even if you don’t own a home.

How much renters insurance costs by state

Renters insurance rates vary widely depending on where you live. Based on a policy with $40,000 in personal property coverage, $300,000 in liability protection and a $1,000 deductible, the average annual cost differs significantly across the U.S.

Louisiana has the highest average renters insurance rate at $504 per year, while Wyoming has the lowest, averaging just $136 annually. Factors like weather risks, local crime rates, and rebuilding costs all influence premiums by state.

The table below shows how much renters insurance costs in your state and whether you’re paying more or less than average.

State	Average annual premium
Alaska	$257
Alabama	$324
Arkansas	$363
Arizona	$260
California	$271
Colorado	$191
Connecticut	$292
Washington, D.C.	$272
Delaware	$181
Florida	$248
Georgia	$352
Hawaii	$247
Iowa	$203
Idaho	$184
Illinois	$246
Indiana	$269
Kansas	$251
Kentucky	$207
Louisiana	$504
Massachusetts	$262
Maryland	$256
Maine	$190
Michigan	$340
Minnesota	$211
Missouri	$231
Mississippi	$387
Montana	$275
North Carolina	$332
North Dakota	$190
Nebraska	$279
New Hampshire	$173
New Jersey	$207
New Mexico	$201
Nevada	$246
New York	$293
Ohio	$252
Oklahoma	$281
Oregon	$287
Pennsylvania	$274
Rhode Island	$479
South Carolina	$294
South Dakota	$202
Tennessee	$290
Texas	$226
Utah	$200
Virginia	$235
Vermont	$182
Washington	$222
Wisconsin	$167
West Virginia	$248
Wyoming	$136

Renters insurance rates from the nation’s top providers

Renters insurance rates don’t just vary by location. You may pay a lot less than the average in your area if you shop around. Take a look at the difference between the cheapest and most expensive company for renters insurance in your state below.

State	Most expensive company	Average annual rate	Least expensive company	Average annual rate
Alaska	USAA	$336	Allstate	$122
Alabama	Farmers	$579	USAA	$175
Arkansas	Travelers	$920	State Farm	$203
Arizona	Travelers	$446	USAA	$135
California	Nationwide	$580	Mercury Insurance	$155
Colorado	American Family	$297	USAA	$145
Connecticut	Travelers	$563	Allstate	$146
Washington, D.C.	Nationwide	$322	USAA	$122
Delaware	Allstate	$217	Cumberland Insurance	$101
Florida	HCI Group Inc	$471	Nationwide	$132
Georgia	Allstate	$642	Georgia Farm Bureau	$131
Hawaii	Ocean Harbor	$372	State Farm	$118
Iowa	American Family	$264	West Bend Mutual	$127
Idaho	Farm Bureau	$287	USAA	$101
Illinois	Travelers	$454	State Farm	$159
Indiana	Travelers	$549	USAA	$112
Kansas	Marysville Mutual	$376	Allstate	$162
Kentucky	Kentucky Farm Bureau	$318	USAA	$108
Louisiana	LA Farm bureau	$854	State Farm	$246
Massachusetts	Mapfre Insurance	$397	State Farm	$117
Maryland	Allstate	$385	USAA	$134
Maine	The Hanover	$496	State Farm	$88
Michigan	Michigan Farm Bureau	$1,369	Auto-Owners	$35
Minnesota	Western National Mutual	$315	Automobile Club MI (AAA)	$116
Missouri	American Family	$363	USAA	$113
Mississippi	Allstate	$763	USAA	$140
Montana	Travelers	$460	State Farm	$117
North Carolina	Erie Insurance	$512	USAA	$142
North Dakota	Country Financial	$216	State Farm	$123
Nebraska	Travelers	$617	State Farm	$146
New Hampshire	Auto-Owners	$233	Amica Mutual	$89
New Jersey	Plymouth Rock Assurance	$312	New Jersey Manufacturers	$107
New Mexico	Farmers	$228	State Farm	$137
Nevada	Nationwide	$293	USAA	$134
New York	AIG	$1,195	State Farm	$125
Ohio	Travelers	$555	Grange Mutual	$151
Oklahoma	AFR Insurance	$392	State Farm	$203
Oregon	Country Financial	$450	State Farm	$172
Pennsylvania	Travelers	$531	Erie Insurance	$104
Rhode Island	Pure Companies Grp	$1,378	Amica Mutual	$185
South Carolina	Travelers	$641	USAA	$153
South Dakota	American Family	$263	State Farm	$115
Tennessee	Travelers	$581	American National Finance	$150
Texas	Farmers	$464	USAA	$132
Utah	Mutual of Enumclaw	$269	Iowa Farm bureau	$136
Virginia	Travelers	$421	State Farm	$130
Vermont	Travelers	$361	Vermont Mutual	$100
Washington	American Family	$261	Nationwide	$135
Wisconsin	American Family	$199	West Bend Mutual	$79
West Virginia	Erie Insurance	$308	USAA	$156
Wyoming	State Farm	$131	USAA	$118

*USAA is only available to military members, veterans and their families

How much does renters insurance cost where you live?

Renters insurance costs can vary based on where you live—even between cities within the same state. Local factors like weather risks, crime rates, and housing density all play a role in determining your premium.

Select your state or city from the list below to get an estimate of renters insurance cost based on average rates for common coverage levels. This can help you see how your rate compares and whether it’s time to shop around for a better deal.

How much is renters insurance in your state or city?

Compare renters insurance rates by state and learn about how renters insurance works in your area. Select your state or city from the below list to get an estimate of renters insurance cost.

Alabama ($324/year)

Beaverton|Gardendale|Huntsville|Mobile|Tuscaloosa

Alaska ($257/year)

Anchorage|Fairbanks|Juneau|Sitka|Wasilla

Arizona ($260/year)

Chandler|Gilbert|Mesa|Phoenix|Tucson

Arkansas ($363/year)

Fayetteville|Fort Smith|Jonesboro|Little Rock

California ($271/year)

Colorado ($191/year)

Arvada|Colorado Springs|Mesa

Connecticut ($292/year)

Bridgeport|Hartford|New Haven|Stamford|Waterbury

Delaware ($181/year)

Dover|Middletown|Newark|Smyrna|Wilmington

Florida ($248/year)

Georgia ($352/year)

Atlanta|Columbus|Savannah

Hawaii ($247/year)

Idaho ($184/year)

Caldwell|Idaho Falls|Meridian|Nampa

Frequently asked questions

How can I get an estimate for my renters insurance cost using this calculator?

To see how much renters insurance costs on average in your state, simply select your state from the drop-down menu.

If you want to know how much renters insurance costs in your ZIP code, click on ‘Get Quotes,’ enter your ZIP code for rates more specific to your area.

Can I get multiple estimates from different insurance companies through this calculator?

Yes, the calculator can provide estimates from multiple companies that offer renters insurance in your area. These are average rates, and you will need to request quotes directly to get more accurate rates for your needs.

Can I get an estimate without providing personal information?

Yes, the renters insurance calculator allows you to get average insurance costs without having to provide personal details. It only requires very basic information such as your state and ZIP code.

However, personal factors such as your age, coverage level and credit score can affect your annual premiums, so request quotes from insurers in your area for more accurate rates.

Shivani Gite

Contributing 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.