Renters insurance cost by state

Renters insurance cost by state at a glance

Those are all-in monthly figures for $25,000 of contents and $100,000 of liability, the package most leases ask for. They are real quoted rates from AmTrust Financial, the carrier that underwrites the policy - not an average of what other people paid.

Check the price in your state

The two packages these prices buy

• Option 1

  $23.37/mo

  Billed monthly, installment fee included

  • $25,000 personal property
  • $100,000 personal liability
  • $250 deductible
  • Replacement cost on contents

• Option 2

  $31.58/mo

  Billed monthly, installment fee included

  • $50,000 personal property
  • $200,000 personal liability
  • $500 deductible
  • Replacement cost on contents

Why the price you see already includes the $3.00 fee

Every figure on this page is what you would actually be billed, not a headline number that grows at checkout. The carrier charges a $3.00 fee on each monthly installment, so we add it in up front rather than quoting the premium alone. In most states that is $20.37 of premium plus the $3.00 fee, which is the $23.37 you see above.

• The fee is the carrier's, charged in the rate we receive - it is not an agency or broker fee
• It is already included in every price on this page, including the full table below
• It does not scale with your coverage - it is the same $3.00 whichever option you pick

The full rate card, state by state

Here is the whole card. Option 1 is the lease-compliance package; Option 2 roughly doubles your protection. Both columns are all-in monthly prices - they already include the carrier's $3.00 installment fee.

The only states where the price actually changes

Most of the table above is one repeated number, so these are the rows worth your attention - the 6 states priced differently from the $23.37 standard.

Washington is the one state priced below the standard rate. New York sits furthest above it, which tracks the broader pattern of higher liability and theft costs in dense, high-cost markets.

Why renters insurance costs nearly the same in every state

Home insurance prices swing wildly by state because a homeowners policy insures a building, and buildings burn, flood, and blow down in very different ways depending on where they sit. A renters policy does not insure the building at all - that is the landlord's problem. It insures your belongings and your personal liability, and a sofa is worth about the same in Ohio as it is in Nevada.

That is why 43 of the 49 states on our rate card share one price. The handful that do not tend to differ for state-specific reasons: mandated coverage wording, higher theft or water-damage severity, or a costlier liability environment.

• The building is the landlord's insurance, not yours - so catastrophe exposure barely enters your rate
• Coverage limits are low and standardized, which leaves little room for geographic spread
• Liability is the same promise everywhere, priced off claim severity rather than local weather
• Where states do differ, it is usually filed coverage requirements rather than raw risk

What moves your own price

The card above is the standard-risk rate. Your quote can land above or below it, and the levers are the ones you would expect:

• How much personal property you insure - the single biggest lever
• Your liability limit, and whether your lease demands a specific one
• Your deductible, which is what the two options above really trade against each other
• Your address, down to the building and its construction, protection class, and loss history
• Prior claims, and in states that allow it, insurance credit scoring
• Discounts - bundling with auto is usually the largest one available to a renter

If you rent in California, we can also compare this against liability-only coverage - see tenant liability insurance, which satisfies most lease requirements for less but does not protect your belongings.

Who underwrites the coverage

The policy is underwritten by AmTrust Financial. That matters more than it sounds: the carrier is who actually pays your claim, sets the rates you see above, and stands behind the contract. We are the broker - we place the coverage and service the policy, but the promise is theirs.

• AmTrust Financial underwrites the policy and pays covered claims
• We place the coverage, handle the paperwork, and issue proof for your landlord
• The rates on this page are the carrier's own filed rates, which is why they are the same whether you come to us or not

Because these are filed rates rather than our own markup, shopping this particular policy around will not find you a cheaper version of it. What a broker adds is knowing when a different policy fits you better.

Where we can and cannot write renters insurance

InsuranceMonster is a California brokerage. Outside California we place renters coverage through our partner, which carries the producer licensing for the states on this card, so the rates above are real everywhere they appear.

Two states are missing from the card on purpose: the program is not offered in Florida and North Carolina. If you rent there we would rather tell you now than take your details first.

In California we do a good deal more than renters - see California renters insurance for the full picture, or our property-manager programs if you are insuring residents across a portfolio.