Home Renters Insurance Renters insurance calculator: How much renters insurance costs by state and city Renters insurance calculator: How much renters insurance costs by state and city 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 onOctober 5, 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. For a deeper dive into our process, see our complete methodology. 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 an average of $313 a year nationwide. Louisiana renters pay the most at $656 a year, while Vermont renters pay the least at $164. The state you live in is one of the biggest factors in your premium. The company you choose matters just as much. In Louisiana, Progressive averages $363 a year while Farmers averages $1,046 for the same coverage, so comparing quotes is the most direct way to lower what you pay. Use the calculator below to see the average rate in your state and city next to the national average. With a benchmark of what you would pay, you’ll know what a fair quote looks like before you start shopping. How to financially protect yourself as a renter Take these steps when you buy or renew your policy: Choose replacement cost coverage. A claim then pays what it costs to buy a new laptop or couch, not what your used one was worth. Buy your own policy even if your landlord has insurance. Your landlord’s coverage pays to repair the building but nothing toward your belongings. Check your loss of use limit. This coverage pays for a hotel and meals if a fire or burst pipe forces you out, and the limit tells you how long that money lasts. Get your own policy if you have roommates. Insurers pay only the people named on a policy, so a roommate’s coverage won’t replace your things. Check your limit for items stored away from home. Belongings stolen from your car or a storage unit often get a lower payout, so you’ll know whether to keep valuables elsewhere. How to compare renters insurance rates To compare renters insurance rates and estimate what you might pay for coverage, use our calculator below. 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 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 — in Maine, State Farm averages $123 a year, while in New Hampshire, Amica averages $109 a year. High-risk states like Mississippi and Louisiana see average rates climb well above $300 per year. Comparing quotes from multiple providers is the most reliable way to find affordable coverage. How much does renters insurance cost in your state? Renters insurance costs an average of $313 a year nationwide, but how much you actually pay will depend on where you live — state averages range from $164 in Vermont to $656 in Louisiana. States with more severe weather or higher crime rates cost more, since both raise the odds of a theft or damage claim. The table below shows the average rate in your state. State Average annual premiumAlaska$322Alabama$397Arkansas$394Arizona$261California$334Colorado$268Connecticut$249Washington, D.C.$314Delaware$298Florida$381Georgia$484Hawaii$312Iowa$258Idaho$276Illinois$284Indiana$320Kansas$338Kentucky$213Louisiana$656Massachusetts$326Maryland$383Maine$226Michigan$341Minnesota$270Missouri$321Mississippi$614Montana$345North Carolina$388North Dakota$250Nebraska$304New Hampshire$198New Jersey$210New Mexico$217Nevada$298New York$285Ohio$248Oklahoma$305Oregon$332Pennsylvania$294Rhode Island$296South Carolina$367South Dakota$277Tennessee$360Texas$259Utah$334Virginia$276Vermont$164Washington$294Wisconsin$218West Virginia$374Wyoming$227 Powered by: 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. The cheapest company still changes from state to state, since each insurer sets its own price for local weather and crime risk. Where you live determines how low your rate can go. Vermont Mutual leads in Vermont at $133 a year, while Louisiana’s cheapest option, Progressive, still costs $363. The table below shows each company’s average annual premium in every state. StateLeast expensive companyAverage annual premiumAlaskaWestern National Insurance$168AlaskaAllstate$192AlaskaState Farm$221AlaskaCountry Financial$245AlaskaUSAA$475AlabamaState Farm$370AlabamaNationwide$403AlabamaAlfa Insurance$444AlabamaAuto-Owners$447AlabamaTravelers$451AlabamaCountry Financial$512AlabamaAllstate$524AlabamaFarmers$615AlabamaUSAA$225ArkansasFarm Bureau Insurance of Arkansas$259 ArkansasNationwide$352ArkansasLemonade$375ArkansasState Farm$404ArkansasTravelers$412ArkansasShelter Insurance$455ArkansasFarmers$537ArkansasAuto-Owners$540ArkansasAllstate$611ArkansasUSAA$281ArizonaState Farm$198ArizonaLemonade$239ArizonaTravelers$246ArizonaAmerican Family$343ArizonaNationwide$350ArizonaAllstate$386ArizonaUSAA$196CaliforniaMercury Insurance$157 CaliforniaCSAA Insurance (AAA)$290CaliforniaState Farm$296CaliforniaNationwide$318CaliforniaLemonade$319CaliforniaAuto Club Enterprises (AAA)$380CaliforniaAllstate$383CaliforniaTravelers$399CaliforniaFarmers$417CaliforniaUSAA$318ColoradoLemonade$169ColoradoState Farm$245ColoradoFarmers$247ColoradoAllstate$257ColoradoAmerican Family$401ColoradoChubb$431ColoradoUSAA$337 ConnecticutLemonade$170ConnecticutAmica$205ConnecticutState Farm$238ConnecticutAllstate$263ConnecticutProgressive$264ConnecticutChubb$280ConnecticutTravelers$287ConnecticutFarmers$446ConnecticutAmerican Family$508ConnecticutUSAA$272Washington, D.C.Lemonade$208Washington, D.C.State Farm$352Washington, D.C.Allstate$413Washington, D.C.Chubb$461Washington, D.C.USAA$163DelawareCumberland Insurance$160 DelawareState Farm$180DelawareAmerican Family$212DelawareAllstate$314DelawareTravelers$338DelawareLemonade$351DelawareNationwide$366FloridaNationwide$158FloridaCitizens Property Insurance$206FloridaState Farm$268FloridaAllstate$294FloridaUniversal Insurance Holding$297FloridaProgressive$365FloridaLemonade$526FloridaHCI Group Inc$666GeorgiaState Farm$317GeorgiaGeorgia Farm Bureau$353 GeorgiaNationwide$466GeorgiaAuto-Owners$468GeorgiaFarmers$513GeorgiaLemonade$612GeorgiaTravelers$684GeorgiaCountry Financial$698GeorgiaAllstate$981GeorgiaUSAA$275HawaiiDongbu Insurance$156HawaiiAIG$224HawaiiState Farm$252HawaiiTokio Marine Holdings$294HawaiiAllstate$354HawaiiIsland Insurance$361HawaiiUniversal Insurance Co$383HawaiiRLI Insurance$470IowaLemonade$194 IowaWest Bend Insurance Company$194IowaNationwide$197IowaState Farm$221IowaAuto-Owners$230IowaIMT Insurance$289IowaIowa Farm Bureau$336IowaAmerican Family$369IowaFarmers$371IowaAllstate$377IdahoState Farm$172IdahoAmerican Family$265IdahoFarmers$349IdahoIdaho Farm Bureau$500IdahoNationwide$643IdahoUSAA$141IllinoisAuto-Owners$179IllinoisLemonade$183 IllinoisAllstate$197IllinoisState Farm$232IllinoisCountry Financial$418IllinoisFarmers$436IllinoisAmerican Family$511IllinoisTravelers$778IllinoisUSAA$244IndianaState Farm$218IndianaLemonade$223IndianaNationwide$300IndianaIndiana Farmers Insurance$305IndianaAuto-Owners$337IndianaFarmers$349IndianaTravelers$364IndianaAmerican Family$365IndianaAllstate$414IndianaErie Insurance$446 IndianaUSAA$364KansasAllstate$167KansasIowa Farm Bureau$217KansasState Farm$245KansasShelter Insurance$316KansasNationwide$357KansasAmerican Family$373KansasAuto-Owners$412KansasFarmers$446KansasMarysville Mutual$532KentuckyAuto-Owners$208KentuckyProgressive$262KentuckyState Farm$273KentuckyAllstate$343KentuckyUSAA$154LouisianaProgressive$363LouisianaLouisiana Farm Bureau$369 LouisianaState Farm$381LouisianaLemonade$448LouisianaAllstate$788LouisianaFarmers$1,046LouisianaUSAA$774MassachusettsState Farm$216MassachusettsLemonade$303MassachusettsAmica$308MassachusettsAllstate$317MassachusettsVermont Mutual$317MassachusettsSafety Insurance$363MassachusettsAndover Insurance$374MassachusettsArbella Insurance$453MassachusettsTravelers$1,023MarylandErie Insurance$312MarylandState Farm$342 MarylandLemonade$345MarylandAmerican Family$416MarylandChubb$430MarylandNationwide$480MarylandAllstate$592MarylandUSAA$333MaineState Farm$123MaineVermont Mutual$147MaineMMG Insurance$185MaineAuto-Owners$225MaineThe Hanover$246MaineQuincy Mutual$273MaineAllstate$279MaineLemonade$308MaineFarmers$336MaineUSAA$202MichiganAuto-Owners$158 MichiganFrankenmuth Insurance$211MichiganAuto Club Group – ACG (AAA)$295MichiganProgressive$303MichiganState Farm$311MichiganThe Hanover$332MichiganLemonade$452MichiganFarmers$525MichiganMichigan Farm Bureau$4,129MichiganUSAA$193MinnesotaAuto Club Group – ACG (AAA)$152MinnesotaAllstate$174MinnesotaState Farm$191MinnesotaNorth Star Mutual$224MinnesotaAuto-Owners$245MinnesotaAmerican Family$383 MinnesotaCountry Financial$396MinnesotaFarmers$398MissouriShelter Insurance$310MissouriState Farm$310MissouriLemonade$339MissouriNationwide$366MissouriFarmers$486MissouriAmerican Family$503MissouriAllstate$514MissouriUSAA$164MississippiState Farm$376MississippiNationwide$415MississippiTravelers$445MississippiLemonade$528MississippiFarmers$548MississippiAllstate$718MississippiUSAA$793 MontanaState Farm$189MontanaAllstate$278MontanaChubb$283MontanaKemper Insurance$316MontanaNationwide$319MontanaLemonade$359MontanaTravelers$397MontanaFarmers$446MontanaUSAA$320North CarolinaNorth Carolina Farm Bureau$266North CarolinaLemonade$287North CarolinaState Farm$376North CarolinaAllstate$396North CarolinaAuto-Owners$425North CarolinaErie Insurance$523North CarolinaFarmers$807 North CarolinaNationwide$873North DakotaState Farm$185North DakotaAmerican Family$190North DakotaNorth Star Mutual$214North DakotaAllstate$238North DakotaAuto-Owners$244North DakotaNodak Insurance$266North DakotaCountry Financial$280North DakotaFarmers$280North DakotaAgraria Mutual$283North DakotaLemonade$296NebraskaState Farm$169NebraskaIowa Farm Bureau$214NebraskaNationwide$223NebraskaTravelers$287 NebraskaAmerican Family$304NebraskaFarmers$394NebraskaLemonade$396NebraskaFarmers Mutual of Nebraska$425NebraskaUSAA$228New HampshireAmica$109New HampshireVermont Mutual$125New HampshireMMG Insurance$158New HampshireNationwide$205New HampshireState Farm$205New HampshireAuto-Owners$241New HampshireAllstate$247New HampshireLemonade$344New HampshireUSAA$198New JerseyLemonade$130New JerseyNJM$130 New JerseyState Farm$196New JerseyAmerican Family$203New JerseyFarmers$255New JerseyFranklin Mutual$278New JerseyChubb$332New JerseyPlymouth Rock Assurance$481New JerseyUSAA$210New MexicoLemonade$173New MexicoState Farm$190New MexicoFarmers$285New MexicoUSAA$216NevadaLemonade$224NevadaCSAA Insurance (AAA)$263NevadaState Farm$270NevadaUniversal Insurance Co$305NevadaAmerican Family$344 NevadaCountry Financial$367NevadaFarmers$405NevadaNationwide$413NevadaUSAA$193New YorkState Farm$172New YorkLemonade$209New YorkTravelers$232New YorkNYCM Insurance$254New YorkNationwide$257New YorkAllstate$258New YorkAmerican Family$380New YorkFarmers$401New YorkChubb$477New YorkUSAA$362OhioGrange Insurance$189OhioAuto-Owners$196OhioState Farm$244 OhioLemonade$247OhioTravelers$259OhioNationwide$303OhioAllstate$331OhioErie Insurance$343OhioAmerican Family$466OhioUSAA$179OklahomaLemonade$237OklahomaState Farm$285OklahomaFarmers$286OklahomaShelter Insurance$364OklahomaOklahoma Farm Bureau$417OklahomaAFR Insurance$544OklahomaUSAA$289OregonLemonade$202OregonState Farm$238OregonNationwide$256 OregonAllstate$319OregonFarmers$402OregonAmerican Family$414OregonMutual of Enumclaw$493OregonCountry Financial$588PennsylvaniaLemonade$182PennsylvaniaState Farm$277PennsylvaniaErie Insurance$317PennsylvaniaAllstate$326PennsylvaniaTravelers$394PennsylvaniaNationwide$411PennsylvaniaFarmers$498PennsylvaniaUSAA$303Rhode IslandLemonade$179Rhode IslandState Farm$220Rhode IslandNationwide$254 Rhode IslandAllstate$359Rhode IslandNew London County Insurance$400Rhode IslandAmica$420Rhode IslandFarmers$589South CarolinaLemonade$341South CarolinaState Farm$344South CarolinaAllstate$357South CarolinaSouth Carolina Farm Bureau Mutual$404South CarolinaFarmers$439South CarolinaAuto-Owners$492South CarolinaTravelers$527South CarolinaUSAA$317South DakotaState Farm$192South DakotaNationwide$203South DakotaNorth Star Mutual$242 South DakotaAuto-Owners$248South DakotaFarmers$282South DakotaIowa Farm Bureau$291South DakotaAmerican Family$301South DakotaAllstate$316South DakotaLemonade$330South DakotaFarmers Mutual of Nebraska$340TennesseeFarm Bureau Insurance of Tennessee$177TennesseeLemonade$253TennesseeState Farm$284TennesseeAmerican National$311TennesseeShelter Insurance$367TennesseeAuto-Owners$378TennesseeTravelers$460TennesseeFarmers$462 TennesseeErie Insurance$549TennesseeWestfield Insurance$559TennesseeUSAA$496TexasProgressive$246TexasAllstate$295TexasLemonade$298TexasState Farm$326TexasNationwide$413TexasFarmers$559TexasUSAA$178UtahState Farm$194UtahAuto-Owners$238UtahNationwide$250UtahAllstate$272UtahIowa Farm Bureau$279UtahAmerican Family$330UtahLemonade$404UtahFarmers$425 UtahMutual of Enumclaw$496UtahUSAA$286VirginiaProgressive$203VirginiaLemonade$231VirginiaUniversal Insurance Holding$251VirginiaAmerican Family$253VirginiaState Farm$273VirginiaFarmers$281VirginiaErie Insurance$286VirginiaNationwide$318VirginiaIAT Insurance Group$359VirginiaAllstate$367VirginiaTravelers$375VermontVermont Mutual$133VermontMMG Insurance$153VermontFrankenmuth Insurance$160 VermontState Farm$167VermontAuto-Owners$168VermontTravelers$178VermontCo-operative Insurance Companies$193VermontLemonade$278VermontUnion Mutual$291WashingtonNationwide$183WashingtonState Farm$194WashingtonLemonade$243WashingtonPEMCO$246WashingtonAllstate$324WashingtonAmerican Family$381WashingtonFarmers$388WashingtonUSAA$365WisconsinWest Bend Insurance Company$111WisconsinLemonade$169 WisconsinAcuity Insurance$188WisconsinState Farm$201WisconsinAllstate$249WisconsinNationwide$264WisconsinAuto-Owners$268WisconsinAmerican Family$291WisconsinWisconsin Mutual$331West VirginiaState Farm$233West VirginiaAllstate$265West VirginiaWestfield Insurance$323West VirginiaNationwide$347West VirginiaLemonade$462West VirginiaErie Insurance$493West VirginiaUSAA$221WyomingState Farm$163WyomingLemonade$361 WyomingUSAA$158 How much renters insurance do you need? Your personal property coverage should equal the cost to replace everything you own, not just your big-ticket items. List your belongings room by room to find that total, including everyday items like dishes, linens and clothing alongside your furniture and electronics. Your liability coverage pays if someone gets hurt in your home or you damage someone else’s property. Standard policies include $100,000 — higher limits protect your savings if a lawsuit or medical bill costs more. Jewelry and art need their own coverage, since standard policies cap what they pay for those items. Adding scheduled personal property coverage to your policy pays for each piece at its full value. 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 pay less for 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 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. Methodology Insure.com commissioned renters insurance rates from Quadrant Data Services across all 50 states and Washington, D.C. Rates are based on a policy with $60,000 in personal property coverage, $300,000 in liability protection, a $1,000 deductible, and a good credit tier. We compared 16,217,568 insurance quotes from 135 insurance companies (77 company groups) across 34,598 ZIP codes, 3,143 counties and 29,162 cities. The national average annual premium is $313. The rates are for comparison purposes only, your exact premium may vary. 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 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? Mobile home insurance: What it covers and how much it costs Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance How much flood insurance do I need? How to bundle home and auto insurance policies to save money Home insurance discounts for cheaper rates How much does dog liability insurance cost and do you need it? Do you have an emergency go-bag? What to pack and what insurance covers 1/1 Related Articles Homeowners insurance basics By Alisha Ambre Homeowners insurance calculator: Estimate the cost of getting homeowners insurance By Alisha Ambre $400K home insurance cost calculator By Alisha Ambre Condo insurance calculator: Estimate how much condo insurance will cost you By Alisha Ambre Will your home insurance actually rebuild your house after a wildfire? By Maryalene LaPonsie Do you have an emergency go-bag? What to pack and what insurance covers By Maryalene LaPonsie On this page How to compare renters insurance ratesHow much does renters insurance cost in your state?Which renters insurance companies offer the cheapest rates?How much renters insurance do you need?How to pay less for renters insuranceFrequently asked questionsMethodology ZIP Code Please enter valid ZIP See rates 1-833-708-6021