Best and cheapest renters insurance in Pennsylvania

Best renters insurance companies in Pennsylvania

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

Comparing quotes from multiple insurance carriers is one way to ensure you will get your money's worth. There can be big differences in price between different renters insurance providers, so it pays to shop around. Ensure you buy from a company offering affordable renters insurance and consistent customer service.

To simplify your task, we have compared the carriers for Pennsylvania residents based on their average rates and third-party ratings. Among the carriers surveyed, Erie Insurance is the best renters insurance company in Pennsylvania. It earned a score of 5 and has an average renters insurance rate of $104.

In addition to rates, we also got scores and rating from sources like the National Association of Insurance Commissioners (NAIC) and AM Best for major insurers in Pennsylvania. 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	5.00
Donegal	$161	A+	0.64	4.28
Farmers	$288	A	0.54	4.04
Allstate	$195	A+	0.90	3.60
State Farm	$194	A++	0.95	3.57
Travelers	$531	A++	0.54	3.49
Nationwide	$269	A+	0.87	3.45

Read our methodology

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

Read our methodology

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 neighbors 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

Read our methodology

Pennsylvania renters insurance: The 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.

The following table lists the most expensive ZIP codes in Pennsylvania for renters insurance.

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

Read our methodology

Pennsylvania renters insurance: The least expensive ZIP codes

Based on a rate analysis by Insurance.com, the least expensive ZIP code for renters insurance in Pennsylvania is 17022, and its average annual rate is $213.

Below, you'll find the least expensive ZIP codes for renters insurance, along with their average annual rates.

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

Read our methodology

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

Read our methodology

Methodology

Insurance.com compared renters insurance rates provided by Quadrant Data Solutions 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) which provides the best practices for the U.S. insurance industry. These factors were used along with rates to find the best companies overall.