How much is renters insurance in Pennsylvania?

The average cost of renters insurance in Pennsylvania is $249 a year, and the average monthly cost is $21. That's for a policy with personal property coverage of $40,000, liability coverage of $100,000, and a deductible of $1,000.

What you pay for renters insurance may differ from your neighbours because it depends on factors specific to each person: the property you want to insure, extra coverage options you add, and the deductible amount you choose.

"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 companies in Pennsylvania

Erie Insurance, Donegal and Farmers are our best renters insurance companies in Pennsylvania.

Rates differ widely between renters insurance providers, so it pays to shop around. But rates aren’t the entire picture. It’s also important to choose an insurance company with a good reputation so you know it will be there for you when you need it.

To help you choose the best renters insurance in Pennsylvania, we reviewed rates and third-party ratings including complaint volume with the National Association of Insurance Commissioners (NAIC) and financial ratings from AM Best.

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.

Below is our list of best renters insurance companies in Pennsylvania based on that analysis, with our score out of five.

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

Erie Insurance is the cheapest renters insurance company in Pennsylvania based on our rate analysis with an average annual premium of $104.

Renters insurance prices can vary drastically between companies. That's why it is important to compare rates and see which company offers the best deal to get coverage at an affordable price.

Below are the cheapest renters insurance companies in Pennsylvania and 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

Where you live in Pennsylvania affects how much you pay for renters insurance. The most expensive ZIP code in Pennsylvania for renters insurance is 19110, where the average annual rate is $408 which is $159 more than the state average insurance premium.

On the other end of the spectrum, the least expensive ZIP code for renters insurance is 17022, with an average annual rate of $213.

The following table lists the least and most 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

Compare renters insurance rates by city in Pennsylvania

Renters insurance rates vary significantly across cities, influenced by various factors, including weather patterns, crime rates, and property values. You must consider these factors and compare quotes from different insurers to get the best deal on renters insurance for your specific city in Pennsylvania.

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 get cheap renters insurance in Pennsylvania

There are a few things you can do to get cheaper renters insurance in Pennsylvania:

Shop around. Not every Pennsylvania renters insurance company offers the same rates or discounts. Shop around for the best price.
Ask about discounts. There are a lot of discounts available on renters insurance; one of the biggest is bundling your home and auto insurance, so ask for an auto quote at the same time.
Chose a higher deductible. Your deductible affects your premiums; higher deductibles mean lower rates. Just ensure you can afford the deductible if you have to pay it.

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.

Pennsylvania renters insurance: FAQ

Do I need renters insurance in Pennsylvania?

Renters insurance isn’t required by law, but your landlord may require you to purchase 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.