Best and cheapest renters insurance in Pennsylvania

Best renters insurance companies in Pennsylvania

When choosing the best renters insurance company in Pennsylvania, make sure you’re comparing on more than just price. We’ve compared quotes, coverage options and J.D. Power scores from all the 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. Note that USAA only offers coverage to military families.

Company	Average rating(out of 5)
Erie Insurance	4.5
Allstate	3.5
Nationwide	3.5
State Farm	3.5
USAA	3.5
Farmers	3
Travelers	2.5

Compare the 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 ratings from J.D. Power. Among the carriers surveyed, Erie Insurance is the best renters insurance company in Pennsylvania. It earned 881 out of 1000 from J.D. Power and has an average renters insurance rate of $100.

The table below offers a detailed comparison of renters insurance companies in Pennsylvania.

Company	J.D. Power Score	Average Annual Premium	AM Best Ratings
Erie Insurance	881	$100	A+
State Farm	844	$195	A++
Nationwide	852	$262	A+
USAA	894	$210	A++
Allstate	835	$195	A+
Farmers	842	$226	A
Travelers	835	$534	A++

How much is renters insurance in Pennsylvania

Pennsylvania residents pay an average of $241 a year for renters insurance, and the average monthly cost is $20. 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 will not be the same as a neighbor’s price 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	Average Monthly Premium
$241	$20

Most expensive ZIP codes in Pennsylvania for renters insurance

Several factors affect your renters insurance coverage cost in Pennsylvania, including your location and the coverage you buy. The most expensive ZIP code in Pennsylvania for renters insurance is 19110, where the average annual rate is $396 which is $155 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	$396
19190	$392
19109	$391
19142	$376
19133	$374
19140	$372
19144	$371
19121	$370
19134	$369
19132	$368

Least expensive ZIP codes in Pennsylvania for renters insurance

Renters insurance rates in Pennsylvania are cheaper in some areas. 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 $205.

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

ZIP code	Average Annual Rate
17022	$205
17015	$206
17257	$207
17032	$208
17028	$209
17304	$210
17101	$211
15763	$212
15641	$213
15677	$214

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

Cheap renters insurance in Pennsylvania by company

There are a lot of companies offering renters insurance in Pennsylvania. Among the carriers surveyed by Insurance.com, Erie Insurance is the cheapest renters insurance company in Pennsylvania; its average annual premium is $100.

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 best cheap renters insurance companies in Pennsylvania and their average annual premiums.

Company Name	Average Annual Premium
Erie Insurance	$100
Donegal	$161
Allstate	$195
State Farm	$195
USAA	$210
Farmers	$226
Nationwide	$262
Travelers	$534

Methodology

Insurance.com compared renters insurance rates in 2022 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. Content was updated in 2023.