State Farm and Chubb offer the best cheap renters insurance in Pennsylvania. State Farm tops our rankings for affordability, and Chubb provides the most comprehensive coverage options.
Cheap Renters Insurance in Pennsylvania
Updated: May 2, 2025
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Key Takeaways
State Farm is Pennsylvania's best overall provider and offers the cheapest renters insurance, with rates starting at $268 annually.
Pennsylvania renters insurance costs an average of about $29 monthly, with rates ranging from $22 to $57.
To secure the best and most affordable renters insurance, determine your coverage needs first, research costs and compare quotes from multiple providers.
Pennsylvania Renters Insurance Quote Estimates
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Rates updated:
Jun 06, 2025
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Best Cheap Renters Insurance Companies in Pennsylvania
| State Farm | 89 | $22 | $268 |
| Erie | 89 | $31 | $366 |
| Chubb | 83 | $37 | $443 |
| Allstate | 77 | $35 | $418 |
| Nationwide | 71 | $57 | $688 |
*This list shows rates for a renter with good credit, no claims history, $50K in property damage coverage, $100K in liability coverage, a $1,000 deductible and guaranteed replacement.
Compare Personalized Best Cheap Renters Insurance in Pennsylvania
While our list above covers most renters, your ideal options may differ. Use our filterable table below to find the best coverage for your specific needs.
Data filtered by:Results filtered by:
Select
Coverage Level:$50K Personal Property / $100K Liability
Select
Deductible:1000
Select
Claims History:Claim free for 5+ years
Select
Contents Replacement:Yes
Select
Credit Tier:Good
| Erie | 94 | $16 | $193 |
| State Farm | 88 | $16 | $196 |
| Chubb | 81 | $24 | $289 |
| Allstate | 71 | $26 | $311 |
| Farmers | 60 | $34 | $413 |
Best Pennsylvania Renters Insurance Reviews
The sections below detail our top picks for affordability, customer service and coverage options for Pennsylvania renters insurance.
State Farm: Most Affordable Plans
pros
Most affordable rates
High overall customer satisfaction ratings
Provides online quotes
cons
Low claims satisfaction
Less affordable for low coverage
COMPANY HIGHLIGHTS
State Farm leads Pennsylvania's renters insurance market with monthly rates starting at $22, well below competitors at most coverage levels. The company ranks fourth nationally in J.D. Power customer satisfaction ratings and lets policyholders customize their personal property coverage limits precisely.
Chubb: Best Coverage Inclusions
pros
Cheapest rates for lower coverage
Most extensive included coverages
Highest claims satisfaction rating nationally
cons
Less affordable for higher personal property coverage
COMPANY HIGHLIGHTS
Though it ranks fourth most expensive for Pennsylvania renters insurance on our list, Chubb offers exceptional protection features missing from competitors. Its policy includes integrated identity protection and advanced property monitoring that tracks home issues, notifies you about natural disasters when you're away and automatically calls emergency services when your rental faces potential damage.
Average Cost of Renters Insurance in Pennsylvania
Renters insurance in Pennsylvania averages $29 monthly ($352 annually), which exceeds the national average of $20 by $9. These rates reflect a policy with $50K in personal property coverage, $100K in liability limits and a $1,000 deductible. Your rate may vary based on your situation.
Use our table below to filter between major factors affecting renters insurance rates to find average costs for your profile.
Data filtered by:Results filtered by:
Select
Coverage Level:$50K Personal Property / $100K Liability
Select
Deductible:1000
Select
Claims History:Claim free for 5+ years
Select
Credit Tier:Good
Select
Contents Replacement:Covered
| $50K Personal Property / $100K Liability | $29 | $352 |
Average Pennsylvania Renters Insurance Cost by City
Renters insurance costs vary by city. The average annual premium in Allentown is $233, while Philadelphia residents pay $372 for equivalent coverage. Check the table below for average costs in your city.
| Allentown | $233 |
| Philadelphia | $372 |
| Pittsburgh | $262 |
*This table shows rates for a renter with good credit and no claims history. Policies include $50K property damage coverage, $100K liability coverage, a $1,000 deductible and guaranteed replacement.
Pennsylvania Renters Insurance: Buyer's Guide
Finding the best and cheapest renters insurance in Pennsylvania can be challenging, with numerous options available. Our guide helps you secure the ideal coverage for your needs.
How to Find the Best Cheap Renters Insurance in Pennsylvania
Follow these steps to find the most suitable and affordable coverage for your situation:
- 1
Determine the right coverage level
Before shopping for renters insurance, determine how much coverage you need to compare rates effectively. Assess your possessions' value and consider risks like weather damage, crime and pet-related incidents.
- 2
Research costs and discounts
With your coverage needs established, research average costs for your profile to gauge if quotes offer good value. Look for potential discounts to maximize savings when evaluating providers.
- 3
Compare providers
Research different insurers in your area to check their reputations, costs and coverage options. Narrow your list to the most suitable providers before requesting quotes.
- 4
Consider bundling
Explore bundling renters and auto insurance with your current auto provider. Bundle savings can sometimes cover the entire cost of renters insurance.
- 5
Compare multiple quotes through different channels
Gather quotes from at least five different providers to ensure you get the best deal. Use comparison sites, provider websites, brokers and phone calls to get varied quotes.
- 6
Compare rates annually
Insurance rates change frequently, so your current provider might not offer the best rate next year. Evaluate and compare prices annually to maintain the most affordable rate.
How Much Renters Insurance Do I Need in Pennsylvania?
While Pennsylvania law doesn't mandate renters insurance, most landlords require at least $100K in liability coverage. Requirements may vary based on your rental history, credit and pet ownership. Consider personal property value, weather risks, local crime rates and pet liability when determining coverage needs.
Use our calculator below to determine your ideal personal property limits so you know how much renters insurance you need.
Personal Property Coverage Calculator
When figuring out how much renters insurance you need, experts recommend the standard $100,000 in liability insurance and enough personal property protection to cover your possessions. Use MoneyGeek's calculator to estimate the value of your possessions so you know how much personal property coverage to buy.
clothing & accessories
Clothes, shoes, bags, belts, hats, gloves, etc.
Pennsylvania Renter Risk Considerations
Pennsylvania presents specific risks that renters should consider when selecting insurance coverage:
- Weather risks: Pennsylvania faces a high risk of hurricanes and winter storms in certain areas. Standard coverage may not protect you in high-risk zones, requiring additional coverage.
- Crime risks: Pennsylvania ranks 40th for property crime and 14th for identity theft and fraud nationwide. Consider adding extra coverage to your renters policy for better protection against property damage.
- Pet ownership: Pet owners should consider pet liability coverage. Check if your provider's standard policy includes pet protection or requires an add-on.
- Property types: Standard policies might not fully cover specialized items like tools, electronics or rental property structures like pools. Look for insurers offering specific add-ons to protect these belongings.
How Does Renters Insurance Coverage Work?
Renters insurance typically covers property damage, liability protection and loss of use related to your rental home. Additional coverages can provide more comprehensive protection:
Coverage Type | Standard or Add-on | Coverage Details |
|---|---|---|
Standard | Reimburses and replaces personal property up to specified limits. Standard coverage provides actual cash value reimbursement unless you add replacement cost coverage. | |
Standard | Covers medical and legal costs if someone is injured on your property. Landlords often require this coverage. | |
Additional living expenses | Standard | Covers costs like meals, lodging and transportation if your rental becomes uninhabitable. Coverage limits vary by provider. |
Natural disasters | Add-on | Separate policies for earthquake and flood protection |
Parts/Equipment | Add-on | Covers tools, appliances and utilities in your rental |
Scheduled property | Add-on | Insures specific valuable items up to designated amounts |
Identity theft | Add-on | Protects against stolen funds and legal costs, often including monitoring services |
Pet liability | Add-on | Provides coverage for injuries caused by your pet |
Modifications | Add-on | Protects custom additions and modifications to your rental |
Food loss | Add-on | Reimburses food lost due to covered incidents |
Best Renters Insurance in Pennsylvania: Bottom Line
State Farm and Chubb are Pennsylvania's best and most affordable renters insurance providers. While we recommend these companies for their competitive rates and high customer satisfaction, compare multiple quotes to find your best option.
Renters Insurance in Pennsylvania: FAQ
Here are answers from our experts to common questions:
What is the cheapest renters insurance company in Pennsylvania?
State Farm offers the cheapest renters insurance in Pennsylvania, with an average annual premium of $268 or $22 per month.
What is the best renters insurance company in Pennsylvania?
State Farm is the best renters insurance company in Pennsylvania, scoring 89 out of 100 in our assessment for its exceptional affordability and strong customer service.
How much does renters insurance cost in Pennsylvania?
Pennsylvania renters insurance averages $352 annually or $29 monthly, 45% higher than the national average. Annual premiums range from $268 to $688.
Is renters insurance required in Pennsylvania?
Pennsylvania law doesn't mandate renters insurance, but many landlords require it. Assess your needs to determine if coverage makes sense for you. Benefits include financial protection against common perils and liability coverage for third-party injuries.
How We Found the Best Cheap Renters Insurance Companies
To identify Pennsylvania's cheapest renters insurance, we used the following base profile:
- $50K personal property coverage
- $100K liability coverage
- $1,000 deductible
- Property replacement coverage
- Good credit score
This profile determined our affordability score (60% of the total score).
Additional factors included:
- Customer satisfaction from industry research (25%)
- Add-on coverages (10%)
- Financial strength ratings (5%)
About Mark Fitzpatrick
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.
sources
- American Red Cross. "Which Natural Disasters Should You Prepare For?." Accessed May 2, 2025.
- Insurance Information Institute. "Facts + Statistics: Identity Theft and Cybercrime." Accessed May 2, 2025.
- U.S. News. "Property Crime Rate." Accessed May 2, 2025.