Compare Renters Insurance Quotes and Companies

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Updated: November 5, 2025

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Key Takeaways: Compare Renters Insurance Quotes & Companies
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Renters insurance rates vary by hundreds of dollars annually between companies for identical coverage. Comparing quotes from three to five insurers reveals which companies offer the best combination of price, coverage and customer service.

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Coverage limits, deductibles and property characteristics determine renters insurance costs. Higher coverage limits and lower deductibles increase premiums, while bundling with auto insurance saves 10% to 25%.

Compare Renters Insurance Quotes by Ratings and Affordability

Renters insurance companies have different strengths across affordability, customer service and coverage options. We analyzed major insurers to identify which companies are the best-value for different renter profiles.

Our rankings evaluate affordability, customer satisfaction scores, claims handling and coverage options. Students renting their first apartment, renters with expensive belongings and budget-focused renters each benefit from different insurers based on what matters most.

Each comparison includes renters insurance quotes from our analysis, company strengths and coverage features.

Compare Personalized Renters Insurance Quotes

Compare renters insurance quotes from multiple companies using the calculator below. Rate differences can reach $300 or more annually between providers covering the same apartment.

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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Nov 06, 2025

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Compare Renters Insurance by State

Comparing renters insurance quotes by state reveals major cost differences based on location. Crime rates, weather patterns and state regulations all influence cost, creating quote variations even between neighboring states. Some states average under $20 monthly while others exceed $50 for similar coverage.

State-specific renters insurance comparisons show which companies offer the best rates by location and how each state's average compares nationally. Each guide includes pricing data from major insurers and coverage recommendations based on state-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

Comparing renters insurance quotes by coverage level reveals how insurers charge different rates for identical protection. The table below shows how prices vary across policies from $20,000 to $250,000 in coverage. State Farm charges $108 annually for $20,000 in coverage while Travelers charges $280, a $172 difference for the same policy.

Data filtered by:
$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

Compare renters insurance companies beyond cost alone when evaluating quotes. A low monthly rate loses value if the company takes weeks to process claims after a theft or fire. Company reviews evaluate insurers on pricing, financial stability, claims satisfaction and coverage flexibility.

Renters Insurance Company Reviews and Comparisons

In-depth reviews cover pricing, coverage options, financial strength and customer service for leading renters insurance companies:

What to Consider When Comparing Renters Insurance Quotes

Comparing renters insurance quotes requires evaluating coverage limits, deductibles and property characteristics. These factors affect costs when comparing companies and determine the level of protection for belongings and liability risks.

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    Coverage Limits and Deductibles

    Higher coverage limits mean higher premiums but protect more of your belongings after a loss. Calculate 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. Apartment insurance costs less since buildings have security features and fire protection systems that reduce risk. Renters insurance for mobile homes 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 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. Bundling your renters policy with auto insurance saves 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 takes 30 minutes and reveals rate differences of hundreds of dollars annually. Follow these five steps for effective comparison:

  1. 1
    Gather Your Information

    Renters insurance quotes require rental address, belongings value and preferred coverage limits. Most renters need $20,000 to $40,000 in personal property coverage, though expensive electronics, jewelry or furniture require higher limits. Select deductible amount and liability coverage level before requesting quotes.

  2. 2
    Request Quotes From Three to Five Insurers

    Start with current auto insurance carriers, as bundling saves 10% to 25% on both policies. Include national carriers like State Farm and Allstate, plus regional insurers that may offer competitive rates. Online quote tools provide estimates in minutes, while agents offer personalized guidance.

  3. 3
    Compare Coverage, Not Just Prices

    Evaluate each policy's personal property limits, liability coverage and deductible amounts. Verify whether replacement cost or actual cash value applies to belongings. Replacement cost coverage reimburses for new items rather than depreciated values and costs more. Review additional coverages like loss of use, which pays for temporary housing if rentals become uninhabitable.

  4. 4
    Check Company Quality

    Check each insurer's financial strength ratings from AM Best and customer satisfaction scores from J.D. Power. Read reviews about claims processing speed. Low premiums lose value if insurers take weeks to process theft or fire claims. Consider whether working with a local agent or managing policies through an app fits better.

  5. 5
    Calculate Total Costs With Discounts

    Bundling with auto insurance, security system installations, smoke detectors, claims-free history and paperless billing all provide discounts. Some companies discount annual payments versus monthly installments. Calculate total annual costs with all discounts applied, then select the policy balancing 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!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

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