Compare Renters Insurance Quotes and Companies

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Updated: October 13, 2025

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Key Takeaways: How to Compare Renters Insurance

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MoneyGeek's renters insurance comparison hub delivers detailed guides for every renter's needs, evaluating the best-value companies across coverage options, property types and states. Find six specialized comparison guides tailored to different renter situations below.

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We evaluated renters insurance companies on their average costs across different renter profiles, customer experience ratings and coverage quality to help you find the best combination for your specific situation.

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Comparing multiple renters insurance companies helps you find better rates and coverage options tailored to your needs. Shopping around takes minimal time but can save you hundreds of dollars annually.

Compare Renters Insurance Quotes by Ratings and Affordability

Renters insurance companies have different strengths, which is why it's important to compare your options. We analyzed major insurers to determine which ones lead in affordability, customer service and coverage options for different renter profiles.

Our rankings evaluate affordability, customer satisfaction scores, claims handling and coverage options. Whether you're a student renting your first apartment, need coverage for expensive belongings or want the lowest possible premium, these guides help you find insurers that excel in what matters most to you.

Each comparison includes average costs from our analysis, company strengths and coverage features to help you make an informed choice. Start with the guide that matches your situation to see which insurers we recommend.

Compare Personalized Renters Insurance Quotes

You can easily compare renters insurance quotes from multiple companies using our calculator below. Input your state and desired coverage details to see rate differences that can reach $300 or more annually between providers covering the same apartment. The whole process takes under a minute, and you'll immediately see which insurers offer the best value for your specific coverage needs.

You control the process — you won't receive any follow-up emails from us until you decide to move forward with a quote.

Compare Renters Insurance Quote Estimates

MoneyGeek's renters insurance calculator will give you a customized estimate of your renters insurance costs.
It's free to use, requires no personal information and we won't send you any spam.

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Compare Renters Insurance by State

Your state affects what you'll pay for renters insurance more than you might expect. Crime rates, weather patterns and state regulations all influence pricing, creating rate variations even between neighboring states. Some states average under $20 monthly while others exceed $50 for similar coverage.

MoneyGeek's state guides show you which companies offer the best rates in your area and how your state's average compares nationally. Each guide includes pricing data from major insurers and coverage recommendations tailored to your state's specific risks.

Alaska$18$220
Alabama$56$672
Arkansas$43$515
Arizona$44$527
California$35$424
Colorado$21$256
Connecticut$38$454
District of Columbia$38$460
Delaware$27$327
Florida$68$819
Georgia$49$591
Hawaii$32$388
Iowa$18$216
Idaho$25$303
Illinois$29$345
Indiana$30$364
Kansas$22$264
Kentucky$26$312
Louisiana$54$644
Massachusetts$42$506
Maryland$34$412
Maine$25$300
Michigan$39$471
Minnesota$28$339
Missouri$27$327
Mississippi$60$722
Montana$31$371
North Carolina$46$557
North Dakota$19$223
Nebraska$28$341
New Hampshire$20$242
New Jersey$36$427
New Mexico$22$261
Nevada$26$308
New York$30$361
Ohio$34$414
Oklahoma$44$527
Oregon$28$337
Pennsylvania$43$514
Rhode Island$48$572
South Carolina$39$471
South Dakota$19$229
Tennessee$34$407
Texas$35$425
Utah$19$223
Virginia$34$404
Vermont$23$281
Washington$23$276
Wisconsin$17$205
West Virginia$22$264
Wyoming$17$200

Compare Renters Insurance Quotes by Coverage Level

Your choice of coverage amount affects your annual cost, but company rates vary dramatically even for identical protection. Whether you're seeking a basic tenant insurance quote or comprehensive coverage, see how prices differ across policies ranging from $20,000 to $250,000 in coverage in the table below. For $20,000 in coverage, you'll pay an average of $108 with State Farm versus $280 with Travelers — that's spending $172 more each year for a similar policy.

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coverages:$20K Personal Property / $100K Liability
State Farm$108
Auto-Owners Insurance$110
Allstate$134
Nationwide$143
American Family$147
Farmers$189
Chubb$190
Travelers$280

Compare Renters Insurance Quotes by Company

A thorough renters insurance comparison requires looking beyond just cost. A low monthly rate loses value if the company takes weeks to process your claim after a theft or fire. Our company reviews evaluate insurers on pricing, financial stability, claims satisfaction and coverage flexibility to help you find providers that deliver when it matters most.

Renters Insurance Company Reviews and Comparisons

Explore in-depth reviews covering pricing, coverage options, financial strength and customer service for leading renters insurance companies:

Renters Insurance Comparison: What to Consider Before You Buy

Your renters insurance cost depends on coverage limits, deductibles and property characteristics. Understanding these factors helps you balance affordability with adequate protection for your belongings and liability risks.

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    Coverage Limits and Deductibles

    Higher coverage limits mean higher premiums, but they protect more of your belongings after a loss. Think about how much your furniture, electronics and clothing would cost to replace, then add liability coverage for accidents in your rental. Renters insurance for $100,000 in coverage costs $36 per month on average, while the cost of $300,000 in renters insurance jumps to $90 monthly for the added protection. A higher deductible cuts your monthly premium but means you'll pay more up front when filing a claim. Understanding what renters insurance covers and excludes helps you avoid gaps in protection.

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    Property Type and Pet Ownership

    Apartments, houses, condos and mobile homes each carry different risks that affect your rate. Getting insurance for an apartment usually costs less since buildings often have security features and fire protection systems that reduce risk. On the other hand, renters insurance for mobile homes often costs more due to higher wind and structural damage risks. Pet ownership can increase premiums as well, especially for breeds insurers classify as higher risk. Some companies won't cover certain dog breeds, while others charge extra for any pet. Pet liability in renters insurance covers medical bills and legal costs if your pet injures someone or damages property.

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    Landlord Requirements and Additional Protection

    Your landlord may require renters insurance with minimum coverage amounts specified in your lease. The amount of renters insurance a landlord requires typically ranges from $100,000 to $300,000 in personal property coverage, plus $100,000 to $300,000 in liability protection. If you rent in a flood-prone area, you'll need separate flood insurance for renters since standard renters policies exclude flood damage. Loss of use coverage pays for temporary housing if your rental becomes uninhabitable.

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    Comparing Costs and Finding Discounts

    Rates vary by hundreds of dollars annually between companies for identical coverage. Comparing providers helps you find the best rate since location, coverage and your profile all affect pricing. Bundle your renters policy with auto insurance to save 10% to 25% on both. Ask about discounts for security systems, smoke detectors or going paperless. Compare quotes from at least three insurers using a renters insurance calculator to find your best rate.

How to Compare Renters Insurance Quotes Side by Side

Comparing renters insurance quotes from multiple companies can reveal substantial price differences for the same coverage. The process takes less than 30 minutes but can save you hundreds of dollars annually on your renters policy.

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    Gather Your Information First

    Before requesting quotes, collect the details insurers need to provide accurate rates. You'll need your rental address, the estimated value of your belongings and your preferred coverage limits. Most renters choose $20,000 to $40,000 in personal property coverage, though you might need more if you own expensive electronics, jewelry or furniture. Decide on your deductible amount and liability coverage level before contacting companies.

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    Request Quotes From Multiple Insurers

    Get quotes from at least three to five companies to see the full range of rates available. Start with insurers you already use for auto insurance since bundling typically saves 10% to 25% on both policies. Include both national carriers like State Farm and Allstate, plus regional insurers that might offer competitive rates in your area. Online quote tools provide estimates in minutes, while calling agents gives you more personalized guidance.

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    Compare Coverage Details, Not Just Prices

    Don't pick the cheapest quote without checking what's actually covered. Review each policy's personal property limits, liability coverage and deductible amounts to ensure you're comparing identical protection. Check whether replacement cost or actual cash value applies to your belongings since replacement cost coverage costs more but reimburses you for new items rather than depreciated values. Look for additional coverages like loss of use, which pays for temporary housing if your rental becomes uninhabitable.

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    Evaluate Company Quality and Service

    Price matters, but so does the company's reputation for handling claims. Check each insurer's financial strength ratings from AM Best and customer satisfaction scores from J.D. Power. Read reviews about their claims process since a cheap policy loses value if the company takes weeks to process your theft or fire claim. Consider whether you prefer working with a local agent or managing everything online through an app.

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    Review Discounts and Make Your Decision

    Ask each insurer about available discounts before finalizing your choice. Common discounts include bundling with auto insurance, installing security systems or smoke detectors, staying claims-free and going paperless. Some companies offer discounts for paying your premium in full up front rather than monthly. Add up the total annual cost including all applicable discounts, then choose the policy offering the best combination of price, coverage and company reliability.

Renters Insurance Comparison: FAQ

Find answers to common questions about comparing renters insurance quotes and choosing the right coverage:

About Mark Fitzpatrick

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Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.

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