Home Renters insurance Renters insurance cost Average renters insurance cost in Pennsylvania Average renters insurance cost in Pennsylvania Discover the average cost of renters insurance in Pennsylvania and how factors like location and coverage levels can impact your rate. 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. | Updated on: January 16, 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. Renters insurance costs in Pennsylvania vary depending on various factors, including the coverage amount, insurance company and individual circumstances. The average cost of renters insurance in Pennsylvania is $274 per year or $23 per month for a coverage limit of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible. These are average rates, and actual premiums may differ. Key Takeaways The average cost of renters insurance in Pennsylvania is $274 per year or $23 per month.Erie Insurance provides the least expensive renters insurance in Pennsylvania at an average rate of $118 annually.Renters insurance rates can vary significantly among insurance companies. Compare quotes to find the best deal on renters insurance in Pennsylvania. Average renters insurance cost in Pennsylvania per monthThe average cost of renters insurance in Pennsylvania is $23 per month. Your premium may vary depending on your location, the value of your belongings, and the coverage limits you select. It’s recommended that you compare multiple insurance quotes to find the best price.Average renters ins cost per monthDifference compared to national average$23$1 moreAverage renters insurance cost in Pennsylvania by companyAccording to our data, Erie Insurance provides the most affordable renters insurance in Pennsylvania, with an average annual rate of $118, followed by Donegal and State Farm.Getting quotes from multiple renters insurance companies in Pennsylvania is a good idea, as prices can differ significantly among insurers.Below, you can find average annual and monthly renters insurance rates from various companies in Pennsylvania.CompanyAverage annual rateAverage monthly rateErie Insurance$118$10Donegal$168$14State Farm$209$17Allstate$215$18Nationwide$291$24Farmers$337$28Travelers$590$49USAA$235$20 Renters insurance calculator in Pennsylvania Select your state Pennsylvania 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 Personal property coverage Covers your personal belongings, such as your furniture, electronics, clothing, artwork, etc. Choose the amount you believe would cover all of your belongings. $40,000 $20,000 $40,000 $60,000 Liability Covers the medical expenses of people who are hurt while in your home or on your property, as well as damage you caused to others’ property. Also covers legal fees if you are sued by someone hurt in your home or on your property. Limits of $300,000 or $500,000 are recommended. $300,000 $100,000 $300,000 Deductible Choose the amount you want to pay out-of-pocket before insurance kicks in. This applies to your dwelling and personal belongings claims. $1,000 $500 $1,000 Calculate $249/year Estimated renters insurance rates in Pennsylvania $21 Monthly renters insurance cost in Pennsylvania 1% Compared to national average Get quotes Average cost of renters insurance in Pennsylvania by coverage levelOn average, Pennsylvania renters pay $274 each year for insurance for a coverage limit of $40,000 in personal property, $300,000 in liability protection and a $1,000 deductible.Reducing your personal property coverage from $40,000 to $20,000 can lower your renters insurance cost in Pennsylvania to $193 per year. This policy still includes $300,000 in liability protection and a $1,000 deductible. However, you should ensure that $20,000 is adequate coverage for your personal belongings before making this change.Below are the average annual renters insurance costs in Pennsylvania for personal property coverage of $20,000 and $40,000.Coverage levelAverage annual renters insurance rateAverage monthly renters insurance rate$20,000 with $500 Deductible and $100,000 Liability$183$15$20,000 with $500 Deductible and $300,000 Liability$205$17$20,000 with $1,000 Deductible and $100,000 Liability$171$14$20,000 with $1,000 Deductible and $300,000 Liability$193$16$40,000 with $500 Deductible and $100,000 Liability$267$22$40,000 with $500 Deductible and $300,000 Liability$293$24$40,000 with $1,000 Deductible and $100,000 Liability$249$21$40,000 with $1,000 Deductible and $300,000 Liability$274$23$60,000 with $500 Deductible and $100,000 Liability$356$30$60,000 with $500 Deductible and $300,000 Liability$386$32$60,000 with $1,000 Deductible and $100,000 Liability$333$28$60,000 with $1,000 Deductible and $300,000 Liability$362$30Average cost of renters insurance in Pennsylvania by cityRenters insurance premiums can vary widely between cities. To help you choose the right policy, we’ve compiled average costs by location. Explore renters insurance rates across various cities in Pennsylvania and find the best fit for your budget.Renters insurance rates vary from one city to another. But with Insure.com, finding the right renters insurance policy is easy. Learn more about renters insurance costs for different cities below. Renters insurance rates in Pennsylvania by cityAllentownEriePhiladelphiaPittsburghReadingAverage cost of renters insurance in Pennsylvania by ZIP codeRenters insurance costs in Pennsylvania vary by ZIP code. Below, we’ll cover which ZIP codes have the most affordable coverage and which areas have the highest premiums.Most affordable ZIP codes for renters insurance in PennsylvaniaIn Pennsylvania, your ZIP code plays a major role in determining your premiums. Based on our data, 17022 is the most affordable ZIP code for renters insurance, with an average annual cost of $237.Comparing quotes from multiple insurers in Pennsylvania is a smart way to find the best renters insurance rates for your ZIP code.ZIP codeCityAverage annual rateAverage monthly rate17022Elizabethtown$237$2017013Carlisle$237$2017065Mount Holly Springs$238$2017015Carlisle$238$2017201Chambersburg$238$2017007Boiling Springs$239$2017241Newville$239$2017257Shippensburg$239$2017078Campbelltown$239$2017050Mechanicsburg$240$20Least affordable ZIP codes for renters insurance in PennsylvaniaYour ZIP code, among other factors, affects how much you pay for renters insurance in Pennsylvania. 19110 is the least affordable ZIP code for Pennsylvania renters at an average cost of $441 a year or $37 monthly.We have analyzed quotes from the major insurance carriers across all the ZIP codes in Pennsylvania. Below are the average annual renters insurance costs by ZIP code.ZIP codeCityAverage annual rateAverage monthly rate19110Philadelphia$441$37 Final thoughts: Average renters insurance in PennsylvaniaRenters insurance is essential for residents of Pennsylvania. It safeguards possessions against damage from fire, theft, vandalism, and natural disasters, ensuring protection in unforeseen circumstances.To get the best renters insurance at an affordable price, shop around and compare quotes from various insurance carriers. In addition to insurance premiums, consider factors such as coverage options, deductibles, and customer reviews to make an informed decision.How much is renters insurance in other statesAlaska$257/YearAlabama$324/YearArkansas$363/YearArizona$260/YearCalifornia$271/YearColorado$191/YearConnecticut$292/YearDelaware$181/YearFlorida$248/YearGeorgia$352/YearHawaii$247/YearIowa$203/YearIdaho$184/YearIllinois$246/YearIndiana$269/YearKansas$251/YearKentucky$207/YearLouisiana$504/YearMassachusetts$262/YearMaryland$256/YearMaine$198/YearMichigan$340/YearMinnesota$211/YearMissouri$231/YearMississippi$387/YearMontana$275/YearNorth Carolina$366/YearNorth Dakota$192/YearNebraska$295/YearNew Hampshire$173/YearNew Jersey$207/YearNew Mexico$201/YearNevada$246/YearNew York$293/YearOhio$252/YearOklahoma$281/YearOregon$288/YearRhode Island$476/YearSouth Carolina$294/YearSouth Dakota$202/YearTennessee$290/YearTexas$226/YearUtah$204/YearVirginia$235/YearVermont$182/YearWashington$222/YearWisconsin$167/YearWest Virginia$248/YearWyoming$136/YearShow more Explore other insurance options in Pennsylvania Average homeowners insurance cost in Pennsylvania Average car insurance cost in Pennsylvania Non-owner car insurance in Pennsylvania Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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Most Americans don’t 1/1 Related Articles Homeowners insurance calculator: Estimate the cost of homeowners insurance By Jessica Olson How to bundle home and auto insurance policies to save money By Lena Borrelli Homeowners insurance basics By Shivani Gite How to calculate your home’s replacement cost By Nupur Gambhir Home insurance claims: How to file and what you should know By Chris Kissell How much does dog liability insurance cost and do you need it? By Lena Borrelli On this page Average renters insurance cost in Pennsylvania per monthAverage renters insurance cost in Pennsylvania by companyAverage cost of renters insurance in Pennsylvania by coverage levelAverage cost of renters insurance in Pennsylvania by cityAverage cost of renters insurance in Pennsylvania by ZIP codeFinal thoughts: Average renters insurance in Pennsylvania ZIP Code Please enter valid ZIP See rates