Renters insurance in Pennsylvania: Cost, best companies and how to save

What is the average cost of renters insurance in Pennsylvania?

The average renters insurance cost in Pennsylvania is $249 per year. Rates vary based on factors such as location, coverage amount, deductible, and claims history.

"The number one thing that's most important is to get good liability. A renter's policy will default to $100,000 liability," Josiah Hatch, an insurance pro with Bender Hatch Insurance in Boston, said. "It costs next to nothing to go from $100,000 to $500,000. I want to say it's probably 10 bucks a year. It's really cheap to get a lot of extra coverage. I always recommend getting the most liability you can because that's, at its core, what insurance is all about: the worst-case scenario."

Average annual premium	$249
Average monthly premium	$21

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Best renters insurance company in Pennsylvania: Erie Insurance

Among the carriers surveyed, Erie Insurance is the best renters insurance company in Pennsylvania, with a top score and an average renters insurance rate of $104.

Donegal and Farmers are the other best insurance companies for renters insurance in Pennsylvania.

Renters insurance rates vary significantly among providers, so you should compare options before choosing. You should also select a company with a good reputation to ensure it will be there if you have a claim.

To help you find the best renters insurance in Pennsylvania, we evaluated average rates, NAIC complaints ratio, and AM Best financial ratings. We calculated the total Insurance.com score out of five using these factors.

Here are the best renters insurance companies in Pennsylvania.

Company	Average annual premium	AM Best	NAIC	Insurance.com rating
Erie Insurance	$104	A+	0.38	5
Donegal	$161	A+	0.64	4.28
Farmers	$288	A	0.54	4.04
Allstate	$195	A+	0.9	3.6
State Farm	$194	A++	0.95	3.57
Travelers	$531	A++	0.54	3.49
Nationwide	$269	A+	0.87	3.45

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Cheapest renters insurance in Pennsylvania

Our analysis shows that Erie Insurance is the cheapest renters insurance company in Pennsylvania, with an average annual premium of $104.

Renters insurance rates can differ greatly between providers, so it's best to compare quotes to find affordable coverage that meets your needs.

Here is the list of the cheapest renters insurance companies in Pennsylvania along with their average annual premiums.

Company name	Average annual premium
Erie Insurance	$104
Donegal	$161
State Farm	$194
Allstate	$195
Nationwide	$269
Farmers	$288
Travelers	$531
USAA	$210

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Pennsylvania renters insurance: The least and most expensive ZIP codes

Your location in Pennsylvania directly impacts the cost of renters insurance. The most expensive ZIP code in Pennsylvania is 19110, with an average annual premium of $408. This amount is $159 more than higher than the state average.

In contrast, the least expensive ZIP code for renters insurance is 17022, offering coverage at $213 a year.

The table below shows the most and least expensive ZIP codes in Pennsylvania for renters insurance.

Best home insurance companies in Texas

Most expensive ZIP code
Least expensive ZIP code

ZIP code	Average annual rate
19110	$408
19190	$405
19109	$404
19142	$389
19133	$387
19140	$385
19121	$384
19141	$382
19134	$382
19125	$380

ZIP code	Average annual rate
17022	$213
17015	$214
17050	$215
15464	$253
17054	$268
17249	$268
17069	$270
19423	$287
18950	$289
19432	$290

Renters insurance cost in Pennsylvania by city

In Pennsylvania, renters insurance rates vary across cities due to factors such as weather risks, crime rates, and other factors. To get the best deal in your city, Compare quotes from several insurers before selecting a policy, so they weigh each factor differently.

City	Annual insurance premium
Allentown	$235
Bethlehem	$236
Erie	$242
Harrisburg	$217
Lancaster	$226
Philadelphia	$363
Pittsburgh	$267
Reading	$225
Scranton	$236
York	$221

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How to save on renters insurance in Pennsylvania

There are several easy ways to lower the cost of renters insurance in Pennsylvania without losing necessary coverage:

Bundle your policies. Many insurance companies offer a discount if you buy renters and auto insurance together.
Increase your deductible. Choosing a higher deductible will lower your monthly or yearly premium; just ensure you can afford it.
Ask about discounts. Most providers offer savings for things like smoke alarms, security systems, or being claims-free.
Compare quotes. Prices can vary widely between companies, so getting quotes from multiple insurers can help you find the best deal.
Pay annually. Some insurers offer a small discount if you pay once a year instead of monthly.

Methodology

Insurance.com compared renters insurance rates provided by Quadrant Information Services for $40,000 personal property coverage with a $1,000 deductible and $100,000 liability coverage for all available ZIP codes based on a renter with good credit. To rank the best insurance companies, we gathered AM Best financial stability ratings, where an A++ is the best possible score, and National Association of Insurance Commissioners (NAIC) complaint ratios, which compare the number of complaints a company receives to the anticipated complaint volume based on market share. These factors were used along with rates to find the best companies overall.

FAQ: Pennsylvania renters insurance

Do I need renters insurance in Pennsylvania?

You do not legally require renters insurance, but your landlord may require you to carry a policy as part of your lease agreement.

How much renters insurance do I need in Pennsylvania?

You don't need any renters insurance by law, but when buying a policy you should ensure you have enough personal property coverage to cover all of your personal property at replacement cost.