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Average Renters Insurance by State

Compare renters insurance costs across states. Rankings are based on our model’s state-level data. No insurer rankings.

Quick Answer

Renters insurance averages vary by state. This page orders states by their average (base) renters premium so you can compare. Your rate will depend on coverage amount, deductible, and location.

What This List Means

"Average" is the state-level base premium from our data, adjusted for inflation. It represents a typical range for that state before coverage/deductible choices. Use state links for scenario estimates.

State Ranking

States ordered by estimated annual range (low to high). Click a state for scenario estimates.

RankStateEst. annual rangeLinks
1 Maine $170 to $210/yr View estimates
2 Vermont $180 to $210/yr View estimates
3 Idaho $180 to $220/yr View estimates
4 North Dakota $180 to $220/yr View estimates
5 Hawaii $190 to $230/yr View estimates
6 Indiana $190 to $230/yr View estimates
7 Iowa $190 to $230/yr View estimates
8 New Hampshire $190 to $230/yr View estimates
9 Wisconsin $190 to $230/yr View estimates
10 Ohio $200 to $240/yr View estimates
11 North Carolina $210 to $250/yr View estimates
12 South Dakota $220 to $260/yr View estimates
13 Kansas $220 to $270/yr View estimates
14 Montana $220 to $270/yr View estimates
15 Nebraska $220 to $270/yr View estimates
16 Wyoming $220 to $270/yr View estimates
17 Alaska $230 to $280/yr View estimates
18 Illinois $230 to $280/yr View estimates
19 Kentucky $230 to $280/yr View estimates
20 Minnesota $230 to $280/yr View estimates
21 Tennessee $230 to $280/yr View estimates
22 Virginia $230 to $280/yr View estimates
23 Washington $230 to $280/yr View estimates
24 West Virginia $230 to $280/yr View estimates
25 Alabama $240 to $290/yr View estimates
26 Oregon $240 to $290/yr View estimates
27 Pennsylvania $240 to $290/yr View estimates
28 Utah $240 to $290/yr View estimates
29 Arkansas $240 to $300/yr View estimates
30 New Mexico $240 to $300/yr View estimates
31 Missouri $250 to $300/yr View estimates
32 Oklahoma $250 to $300/yr View estimates
33 Mississippi $260 to $310/yr View estimates
34 California $260 to $320/yr View estimates
35 Massachusetts $260 to $320/yr View estimates
36 Arizona $280 to $340/yr View estimates
37 Connecticut $280 to $340/yr View estimates
38 South Carolina $280 to $350/yr View estimates
39 Delaware $290 to $350/yr View estimates
40 Michigan $290 to $360/yr View estimates
41 Maryland $300 to $360/yr View estimates
42 Nevada $300 to $360/yr View estimates
43 Colorado $310 to $380/yr View estimates
44 New Jersey $310 to $380/yr View estimates
45 Rhode Island $320 to $390/yr View estimates
46 Texas $320 to $390/yr View estimates
47 Georgia $320 to $400/yr View estimates
48 New York $350 to $430/yr View estimates
49 Florida $370 to $450/yr View estimates
50 Louisiana $370 to $450/yr View estimates

State Pages

Jump to state hubs for scenario estimates: Maine, Vermont, Idaho, North Dakota, Hawaii, Indiana, Iowa, New Hampshire, Wisconsin, Ohio, North Carolina, South Dakota, Kansas, Montana, Nebraska, Wyoming, Alaska, Illinois.

All Renters Insurance state pages · Low-cost renters · How we calculate · Sources

Frequently asked questions

Are these quotes?

No. These are educational estimates from state-level data. Get real quotes from insurers.

Why do costs vary by state?

Regulation, risk, and claims experience differ by state. We use published data so you can compare.

How do I use this list?

Use the state links to see scenario-based estimates (age, coverage, etc.) for that state. Then get quotes from multiple insurers.