Updated: March 12, 2026
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Pennsylvania's best renters insurance: Erie
Most affordable renters insurance in Pennsylvania: Lemonade
Typical renters insurance rate in Pennsylvania: $190 per year
Pennsylvania's best renters insurance provider is Erie, which earns a MoneyGeek score of 4.8 out of 5. At $14 monthly, it scores well for customer experience and coverage.
These five companies earned the top MoneyGeek scores for renters insurance in Pennsylvania:
| Erie Insurance | 4.84 | $14 | $167 |
| Chubb | 4.82 | $10 | $125 |
| State Farm | 4.62 | $13 | $155 |
| Lemonade | 4.59 | $9 | $113 |
| Westfield Insurance | 4.34 | $16 | $197 |
*Rates for renters aged 26 to 64 with good credit and no claims history. Policy includes $20,000 in personal property coverage, $100,000 in liability coverage and a $500 deductible.
Best for Pennsylvania Renters
J.D. Power Renters Insurance Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Renters Insurance Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Renters Insurance Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Renters Insurance Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Renters Insurance Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
Pennsylvania renters can pay as little as $9 per month through Lemonade for $20,000 in personal property coverage. That's $7 less per month than Pennsylvania's $16 average or $84 in annual savings.
The 10 most affordable companies range from $9 to $17 monthly for identical coverage, and eight of 10 charge less than the state average. Finding the cheapest renters insurance options means comparing rates from multiple providers in your area.
| Lemonade | $9 | $-6 |
| Chubb | $10 | $-5 |
| Progressive | $12 | $-4 |
| State Farm | $13 | $-3 |
| Erie Insurance | $14 | $-2 |
| American National | $14 | $-2 |
| USAA | $15 | $-1 |
| Nationwide | $16 | $-0 |
| Westfield Insurance | $16 | $1 |
| Allstate | $17 | $1 |
At $190 per year, Pennsylvania renters pay $16 monthly for renters insurance, matching the national average. The state's severe weather events like snowstorms and higher urban crime rates create conditions that drive up theft and damage claims. Combined with Pennsylvania's older housing stock that can lead to liability issues, these local risk factors increase costs for insurers across the state.
Slickville offers Pennsylvania's most affordable renters insurance at $12 monthly ($149 annually), while Philadelphia commands the highest rates at $19 per month ($223 annually). Most cities stay close to Pennsylvania's $16 average, with local factors like crime rates and weather exposure accounting for the differences.
| Allentown | $14 | $165 |
| Coal Township | $13 | $154 |
| Harrisburg | $13 | $157 |
| Philadelphia | $19 | $223 |
| Pittsburgh | $14 | $166 |
| Slickville | $12 | $149 |
Progressive offers the cheapest renters insurance across most coverage levels in Pennsylvania. It's the most affordable choice for $50,000 and $100,000 in personal property coverage, both carrying $100,000 in liability limits. The exception is the $250,000 tier, where State Farm offers the lowest rate at $33 monthly for $250,000 in personal property coverage and $300,000 in liability protection.
| $20K Personal Property / $100K Liability | Lemonade | $9 |
| $50K Personal Property / $100K Liability | Progressive | $15 |
| $100K Personal Property / $100K Liability | Progressive | $21 |
| $250K Personal Property / $300K Liability | State Farm | $33 |
Getting the right coverage starts with knowing your coverage options, estimating your property value and shopping around for quotes.
Rates vary widely by insurer. Lemonade charges $9 per month for $20,000 in coverage while Allstate charges $17 for the same protection. Getting quotes from at least three insurers helps you find the lowest rate and avoid overpaying by $8 per month or more.
Pairing your renters and auto coverage with one insurer cuts 10% to 25% off both premiums. State Farm and Auto-Owners provide bundling discounts that lower your total insurance expenses while consolidating your monthly bills into one simple payment.
Higher deductibles reduce your monthly premium costs but increase what you'll pay when filing claims. Before raising your deductible, confirm your emergency fund can cover the larger out-of-pocket expense if you need to file a claim.
Many money-saving discounts aren't applied automatically, so ask what you qualify for. Pennsylvania insurers commonly offer savings for security systems, smoke detectors, automatic payments and claims-free history. State Farm also provides good student discounts for renters under 25 with B averages.
Most Pennsylvania landlords require at least $100,000 in liability coverage, though the state doesn't mandate renters insurance. Factors like pet ownership, credit score and rental history affect your coverage requirements. Your property value, local weather risks and crime rates should inform your coverage limits.
Use our calculator below to find out how much renters insurance you need.
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.
Clothes, shoes, bags, belts, hats, gloves, etc.
Review our experts' answers to frequently asked questions below:
Erie ranks as Pennsylvania's best renters insurance provider with a MoneyGeek score of 4.8 out of 5. At $14 monthly, it offers high customer satisfaction at affordable rates.
Pennsylvania renters insurance averages $16 monthly or $190 annually for $20,000 in personal property coverage. The state matches the national average of $16 per month, with costs driven by severe weather risks and higher property crime rates in metropolitan areas.
Progressive offers the cheapest $100,000 renters insurance at $21 monthly in Pennsylvania. The state average for this coverage level is $44 per month or $523 annually. Most renters choose $20,000 to $50,000 in coverage, so the $100,000 tier works best for those with expensive belongings or valuable collectibles.
Pennsylvania doesn't legally require renters insurance, but most landlords require at least $100,000 in liability coverage as a lease condition. Your landlord sets specific requirements, which may vary based on rental history, credit score and pet ownership. Check your lease agreement for exact coverage requirements.
We analyzed Pennsylvania renters insurance companies to find insurers with affordable rates and excellent service.
We gathered quotes for renters with this profile:
Affordability accounted for 50% of each company's score. Customer satisfaction from industry research made up 40%. Add-on coverage options contributed 10%. Companies with the highest combined scores across all factors earned spots on our list of Pennsylvania's best renters insurance providers.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.
