Home Renters Insurance Renters insurance calculator: How much renters insurance costs by state and city in 2026 Renters insurance calculator: How much renters insurance costs by state and city in 2026 Renters insurance rates depend on where you live and which company you choose. Use our calculator below to compare quotes and find the best rate for your area. View Carriers Please enter valid zip Compare top carriers in your area Written by Alisha AmbreAlisha AmbreAlisha 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.VIEW FULL PROFILE | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University.VIEW FULL PROFILESee moreSee less | Updated onJuly 7, 2026 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 insurance costs depend heavily on where you live and which company you pick. Mississippi renters pay the most at $429 a year, while Wyoming renters pay the least at $142. Use our calculator below to compare quotes for your area and find the best rate. Location is one of the biggest factors in your premium, but it isn’t the only one. Even your next-door neighbor could pay a different rate for the same coverage, depending on the insurer they choose. State Farm has the lowest rate in most states, though the cheapest option shifts with local risk. Your coverage level matters too, since higher liability limits or more personal property coverage will push your premium up. What every renter should do to protect themselves from a break-in or fire Match your coverage to what you own. Walk through each room, list your belongings with replacement costs, and set your personal property coverage to that total instead of a round number that feels close enough. Document everything. Photos or a quick video of each room make a claim far easier to prove, and storing them in the cloud means you’ll still have the record if your things are lost or damaged. Don’t skimp on liability. Raising it above the standard $100,000 costs little and protects your savings if someone is injured in your home or you’re held responsible for damage. Schedule high-value items. Standard policies cap coverage on things like jewelry and art, so add an endorsement to cover them for their full worth. How to compare renters insurance rates To compare renters insurance rates and estimate what you might pay for coverage, use our calculator below. Here’s a step-by-step guide on how to use our renters insurance calculator: Select your state from the dropdown menu Narrow your search further by selecting your city, if available View your area’s average renters insurance rate alongside the state and national averages Compare the numbers to see how your local rates stack up before getting quotes Renters insurance calculator Select your state Florida Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington, D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Calculate $203/year Estimated renters insurance rates in Florida $17 Monthly renters insurance cost in Florida -25% Compared to national average Get quotes How much does renters insurance in your state? Renters insurance costs vary significantly by state. Mississippi has the highest average rate at $429 per year, while Wyoming has the lowest at $142 per year, for a policy with $40,000 in personal property coverage, $300,000 in liability protection, and a $1,000 deductible. Weather risk, local crime rates, and rebuilding costs all factor into how much you pay. The table below shows the average rate in your state. State nameAverage annual premiumAlaska$269Alabama$390Arkansas$406Arizona$275California$300Colorado$224Connecticut$325Washington, D.C.$278Delaware$207Florida$215Georgia$353Hawaii$252Iowa$216Idaho$190Illinois$294Indiana$268Kansas$254Kentucky$209Louisiana$579Massachusetts$229Maryland$251Maine$211Michigan$471Minnesota$218Missouri$249Mississippi$429Montana$284North Carolina$436North Dakota$200Nebraska$314New Hampshire$160New Jersey$238New Mexico$195Nevada$263New York$328Ohio$255Oklahoma$299Oregon$295Pennsylvania$325Rhode Island$560South Carolina$314South Dakota$208Tennessee$309Texas$223Utah$246Virginia$270Vermont$181Washington$249Wisconsin$185West Virginia$244Wyoming$142 Powered by: Key Takeaways Renters insurance rates differ significantly by state and by insurer. Maine and New Hampshire have some of the lowest average rates in the country at $100 per year through Vermont Mutual. High-risk states like Mississippi and New York see average rates climb well above $300 per year. Comparing quotes from multiple providers is the most reliable way to find affordable coverage. Why does location affect your rate so much? State laws, natural disaster risk, and even your ZIP code play a role. States prone to hurricanes, tornadoes, or wildfires tend to have higher rates, and insurers also factor in whether you live in a dense urban area or a quieter rural one when pricing your policy. You can’t change where you live, but you can compare quotes within your ZIP code, since two insurers often price the same coverage very differently. And if you’re in a flood- or earthquake-prone area, remember that standard renters policies exclude both, so you may need a separate policy to fill that gap. Which renters insurance companies offer the cheapest rates? State Farm has the lowest average rate in more states than any other company, but no single insurer is cheapest everywhere, because the best deal shifts with local risk. Vermont Mutual leads in Maine, New Hampshire, and Vermont at $100 a year, while in a high-cost state like New York, the cheapest option is AIG, yet it still averages $1,460 a year. The table below shows the least expensive company and its average annual rate in each state. StateLeast expensive companyAverage annual premiumAlaskaWestern National Insurance$151AlabamaTravelers$1,065ArkansasTravelers$1,194ArizonaState Farm$161CaliforniaMercury Insurance$155ColoradoState Farm$171ConnecticutAmica$162Washington, D.C.Allstate$302DelawareCumberland Insurance$123FloridaNationwide$132GeorgiaGeorgia Farm Bureau$141HawaiiState Farm$113IowaWest Bend Insurance Company$134IdahoState Farm$139IllinoisState Farm$167IndianaState Farm$176KansasAllstate$162KentuckyState Farm$198LouisianaLouisiana Farm Bureau$1,026MassachusettsState Farm$112MarylandState Farm$148MaineVermont Mutual$100MichiganFrankenmuth Insurance$180MinnesotaAuto Club Group – ACG (AAA)$116 MissouriShelter Insurance$221MississippiNationwide$324MontanaState Farm$153North CarolinaNorth Carolina Farm Bureau$171North DakotaState Farm$151NebraskaState Farm$138New HampshireVermont Mutual$100New JerseyState Farm$163New MexicoState Farm$148NevadaCSAA Insurance (AAA)$194New YorkAIG$1,460OhioGrange Insurance$167OklahomaState Farm$219OregonState Farm$195PennsylvaniaState Farm$210Rhode IslandPURE$1,378South CarolinaAuto-Owners$158South DakotaState Farm$154TennesseeFarm Bureau Insurance of Tennessee$159TexasProgressive$189UtahState Farm$157VirginiaProgressive$184VermontVermont Mutual$100WashingtonNationwide$150WisconsinAcuity Insurance$156West VirginiaState Farm$186WyomingState Farm$153 Powered by: How much renters insurance do you need? You need enough renters insurance to replace everything you own and to protect you if you’re held responsible for an injury or damage, not just enough to cover your big-ticket items. The best way to land on the right number is a home inventory, because everyday things like dishes, linens, and clothing quietly add up to thousands of dollars in a total loss. A couple of coverage decisions are worth making up front. If you own expensive jewelry or art, ask about a scheduled personal property endorsement, since standard policies cap what they’ll pay on those items. And if you have savings or assets worth protecting, consider raising your liability coverage above the standard $100,000, even if you don’t own a home. The table below breaks down what each type of coverage protects and where the standard limits fall. Coverage typeWhat it protectsStandard limitPersonal propertyReplaces belongings if stolen, damaged, or destroyedVaries, based on a home inventoryLiabilityCovers injuries or property damage you’re responsible for$100,000 (can be increased)Scheduled personal propertyCovers high-value items like jewelry or art beyond standard limitsSet per item, added as an endorsement Powered by: How to lower the cost of renters insurance The fastest way to save is to compare quotes from multiple insurers, since rates for the same coverage can be considerably different between companies. Beyond that, a few other strategies can bring your premium down. Raise your deductible. A higher deductible lowers your premium, as long as you can cover it out of pocket if you file a claim. Bundle your policies. Combining renters insurance with auto or another policy under the same insurer often unlocks a discount. Ask about discounts. Many insurers offer savings for safety features like smoke detectors, deadbolts, or a security system. Improve your credit score. In most states, a higher credit score translates to a lower premium. Avoid filing small claims. Frequent claims raise your rates over time, so consider paying minor losses out of pocket when possible. 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 list below to get an estimate of renters insurance cost. 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. Alaska $269/year Major CitiesAnchorageFairbanks Alabama $390/year Major CitiesBeavertonHuntsvilleMobileTuscaloosaMore Arkansas $406/year Major CitiesFayettevilleLittle Rock Arizona $275/year Major CitiesChandlerMesaPhoenixTucsonMore California $300/year Major CitiesAnaheimChinoClovisCosta MesaHuntington BeachLos AngelesSan FranciscoSanta ClaritaTemeculaMore Colorado $224/year Major CitiesColorado SpringsMesa Connecticut $325/year Major CitiesHartfordNew HavenStamford Delaware $207/year Major CitiesDoverNewark Florida $215/year Major CitiesBoca RatonFort LauderdaleMelbournePensacolaTampaMore Georgia $353/year Major CitiesAtlantaColumbusSavannah Hawaii $252/year Iowa $216/year Major CitiesCedar RapidsDes Moines Idaho $190/year Major CitiesMeridian Illinois $294/year Major CitiesAuroraChicagoJolietNapervilleRockfordMore Indiana $268/year Major CitiesEvansvilleFort WayneIndianapolisSouth BendMore Kansas $254/year Major CitiesOlatheOverland ParkTopekaWichitaMore Kentucky $209/year Louisiana $579/year Major CitiesBaton RougeLafayetteNew OrleansShreveportMore Massachusetts $229/year Major CitiesBostonMiltonNorfolkWorcesterMore Maryland $251/year Major CitiesBaltimoreFrederickGaithersburgRockvilleMore Maine $211/year Major CitiesBangor Michigan $471/year Major CitiesAnn ArborDetroitGrand Rapids Minnesota $218/year Major CitiesDuluthMinneapolisRochesterSt. PaulMore Missouri $249/year Major CitiesKansas CityMountain View Mississippi $429/year Major CitiesBiloxi Montana $284/year Major CitiesBozemanGreat FallsMissoula North Carolina $436/year Major CitiesCaryCharlotteDurhamFayettevilleGreensboroRaleighWinston SalemMore North Dakota $200/year Major CitiesBismarckFargoGrand Forks Nebraska $314/year Major CitiesKearneyLincolnOmaha New Hampshire $160/year Major CitiesNashua New Jersey $238/year Major CitiesJersey CityLakewood New Mexico $195/year Major CitiesAlbuquerqueLas CrucesSanta Fe Nevada $263/year Major CitiesLas VegasMesquitePahrumpRenoSparksMore New York $328/year Major CitiesNew York Ohio $255/year Major CitiesCincinnati Oklahoma $299/year Major CitiesNormanTulsa Oregon $295/year Major CitiesEugeneHillsboroPortlandSalemMore Pennsylvania $325/year Major CitiesAllentownEriePhiladelphiaPittsburghReadingMore Rhode Island $560/year Major CitiesPawtucketProvidence South Carolina $314/year Major CitiesCharlestonColumbiaMount PleasantNorth CharlestonRock HillMore South Dakota $208/year Major CitiesAberdeenSioux Falls Tennessee $309/year Major CitiesChattanoogaClarksvilleKnoxvilleMemphisMore Texas $223/year Major CitiesAustinDallasFort WorthHoustonPasadenaPlanoSan AntonioMore Utah $246/year Major CitiesSanta Clara Virginia $270/year Major CitiesAshburnMarkhamRestonSt. PaulVirginia BeachMore Vermont $181/year Major CitiesEssex JunctionRutlandSouth Burlington Washington $249/year Major CitiesBellevueSeattleSpokaneTacomaVancouverMore Wisconsin $185/year Major CitiesGreen BayKenoshaMadisonMilwaukeeMore West Virginia $244/year Major CitiesMorgantown Wyoming $142/year Major CitiesCasperCheyenneGillette See more states No matches are found Frequently asked questions How can I get an estimate for renters insurance? To see how much renters insurance costs on average in your state, simply select your state from the drop-down menu of our calculator. If you want to know how much renters insurance costs in your ZIP code, click on ‘Get Quotes,’ and 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 shows estimated rates from multiple renters insurance companies in your area. These figures are averages, so you’ll need to request quotes directly from insurers to see your exact price. 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. 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. 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 2026 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance premiums? 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By Alisha Ambre On this page How to compare renters insurance ratesHow much does renters insurance in your state?Which renters insurance companies offer the cheapest rates?How much renters insurance do you need?How to lower the cost of renters insuranceHow much is renters insurance in your state or city?Frequently asked questions ZIP Code Please enter valid ZIP See rates 1-833-708-6021