Average Renters Insurance by ZIP Code
Average renters insurance cost varies by ZIP. Local risk factors influence rates. Use the table to compare and link to ZIP-level estimates.
Quick Answer
Average renters insurance cost varies by ZIP code due to local factors such as crime, building type, and regional pricing. This page lists representative ZIPs with estimated annual ranges and links to ZIP-level estimate pages.
What This Means
We use state-level renters base premiums adjusted by ZIP geo factors. Each row links to a renters ZIP page for that location. Your actual premium will depend on coverage limit, deductible, and insurer.
ZIP Code Ranking
Representative ZIPs across states, ordered by estimated annual range (low to high). Click a row to see that ZIP's estimate page.
| ZIP | State | Est. annual range | Links |
|---|---|---|---|
| 16194 | Maine | $170 to $210/yr | View estimates |
| 16231 | Maine | $170 to $210/yr | View estimates |
| 33295 | Wisconsin | $180 to $220/yr | View estimates |
| 33307 | Wisconsin | $180 to $220/yr | View estimates |
| 13870 | Indiana | $180 to $230/yr | View estimates |
| 13877 | Indiana | $180 to $230/yr | View estimates |
| 19429 | New Hampshire | $190 to $230/yr | View estimates |
| 19432 | New Hampshire | $190 to $230/yr | View estimates |
| 24561 | Ohio | $190 to $230/yr | View estimates |
| 24571 | Ohio | $190 to $230/yr | View estimates |
| 19170 | North Dakota | $190 to $240/yr | View estimates |
| 19180 | North Dakota | $190 to $240/yr | View estimates |
| 11983 | Hawaii | $200 to $240/yr | View estimates |
| 11995 | Hawaii | $200 to $240/yr | View estimates |
| 12214 | Idaho | $200 to $240/yr | View estimates |
| 12223 | Idaho | $200 to $240/yr | View estimates |
| 12100 | Iowa | $200 to $240/yr | View estimates |
| 12105 | Iowa | $200 to $240/yr | View estimates |
| 32207 | Vermont | $200 to $250/yr | View estimates |
| 32208 | Vermont | $200 to $250/yr | View estimates |
| 19135 | North Carolina | $210 to $250/yr | View estimates |
| 19019 | North Carolina | $210 to $260/yr | View estimates |
| 14046 | Kansas | $220 to $270/yr | View estimates |
| 14047 | Kansas | $220 to $270/yr | View estimates |
| 28423 | Tennessee | $220 to $270/yr | View estimates |
| 28470 | Tennessee | $220 to $270/yr | View estimates |
| 13291 | Illinois | $230 to $280/yr | View estimates |
| 13298 | Illinois | $230 to $280/yr | View estimates |
| 18288 | Montana | $230 to $280/yr | View estimates |
| 18291 | Montana | $230 to $280/yr | View estimates |
| 27257 | Pennsylvania | $230 to $280/yr | View estimates |
| 27259 | Pennsylvania | $230 to $280/yr | View estimates |
| 28024 | South Dakota | $230 to $280/yr | View estimates |
| 28041 | South Dakota | $230 to $280/yr | View estimates |
| 33473 | West Virginia | $230 to $280/yr | View estimates |
| 33478 | West Virginia | $230 to $280/yr | View estimates |
| 32911 | Washington | $230 to $290/yr | View estimates |
| 32921 | Washington | $230 to $290/yr | View estimates |
| 00796 | Alabama | $240 to $290/yr | View estimates |
| 14170 | Kentucky | $240 to $290/yr | View estimates |
| 14171 | Kentucky | $240 to $290/yr | View estimates |
| 17746 | Minnesota | $240 to $290/yr | View estimates |
| 17751 | Minnesota | $240 to $290/yr | View estimates |
| 19190 | Nebraska | $240 to $290/yr | View estimates |
| 19192 | Nebraska | $240 to $290/yr | View estimates |
| 32161 | Virginia | $240 to $290/yr | View estimates |
| 00727 | Alabama | $240 to $300/yr | View estimates |
| 18167 | Missouri | $240 to $300/yr | View estimates |
| 18176 | Missouri | $240 to $300/yr | View estimates |
| 25502 | Oregon | $240 to $300/yr | View estimates |
| 32158 | Virginia | $240 to $300/yr | View estimates |
| 00962 | Arkansas | $250 to $300/yr | View estimates |
| 20985 | New Mexico | $250 to $300/yr | View estimates |
| 20995 | New Mexico | $250 to $300/yr | View estimates |
| 25491 | Oregon | $250 to $300/yr | View estimates |
| 31598 | Utah | $250 to $300/yr | View estimates |
| 31603 | Utah | $250 to $300/yr | View estimates |
| 00851 | Arkansas | $250 to $310/yr | View estimates |
| 06352 | California | $260 to $320/yr | View estimates |
| 06359 | California | $260 to $320/yr | View estimates |
| 25029 | Oklahoma | $270 to $330/yr | View estimates |
| 25044 | Oklahoma | $270 to $340/yr | View estimates |
| 28001 | South Carolina | $270 to $340/yr | View estimates |
| 07471 | Connecticut | $280 to $340/yr | View estimates |
| 07481 | Connecticut | $280 to $340/yr | View estimates |
| 15245 | Massachusetts | $280 to $340/yr | View estimates |
| 15250 | Massachusetts | $280 to $340/yr | View estimates |
| 18275 | Mississippi | $280 to $340/yr | View estimates |
| 18276 | Mississippi | $280 to $340/yr | View estimates |
| 28003 | South Carolina | $280 to $340/yr | View estimates |
| 01757 | Arizona | $280 to $350/yr | View estimates |
| 01707 | Arizona | $290 to $350/yr | View estimates |
| 07699 | Delaware | $290 to $350/yr | View estimates |
| 07736 | Delaware | $290 to $350/yr | View estimates |
| 21387 | Nevada | $290 to $350/yr | View estimates |
| 21392 | Nevada | $290 to $360/yr | View estimates |
| 17225 | Michigan | $300 to $360/yr | View estimates |
| 17226 | Michigan | $300 to $360/yr | View estimates |
| 16053 | Maryland | $300 to $370/yr | View estimates |
| 16063 | Maryland | $300 to $370/yr | View estimates |
| 06919 | Colorado | $310 to $380/yr | View estimates |
| 06924 | Colorado | $310 to $380/yr | View estimates |
| 11749 | Georgia | $320 to $390/yr | View estimates |
| 20565 | New Jersey | $320 to $390/yr | View estimates |
| 20575 | New Jersey | $320 to $390/yr | View estimates |
| 27429 | Rhode Island | $320 to $390/yr | View estimates |
| 31192 | Texas | $320 to $390/yr | View estimates |
| 11475 | Georgia | $320 to $400/yr | View estimates |
| 27402 | Rhode Island | $330 to $400/yr | View estimates |
| 31066 | Texas | $330 to $400/yr | View estimates |
| 23835 | New York | $340 to $420/yr | View estimates |
| 23830 | New York | $350 to $420/yr | View estimates |
| 10519 | Florida | $370 to $460/yr | View estimates |
| 10529 | Florida | $370 to $460/yr | View estimates |
Related
Frequently asked questions
Are these quotes?
No. These are educational estimates from state and ZIP-level data. Get real quotes from insurers.
Why do ZIP codes affect insurance prices?
Insurers use location in pricing. Population density, accident and theft rates, and local claims experience can vary by area and are reflected in ZIP-level factors.
How do I use this list?
Use the links to open a ZIP page for that location. There you can see scenario-based estimates (e.g. by age, coverage). Then get quotes from multiple insurers.