Renters Insurance Costs by State (2026)
Compare average renters insurance rates across all 50 states and D.C. The national average is $199 per year.
Updated July 2026Average Renters Insurance Rates by State
Renters insurance is one of the most affordable types of insurance, typically costing $13 to $22 per month. It covers your personal belongings, provides liability protection, and often includes coverage for temporary living expenses if your rental becomes uninhabitable.
| State | Annual Cost | Monthly Cost | vs. National Avg |
|---|---|---|---|
| Louisiana | $264/yr | $22/mo | 32.7% above national average |
| Hawaii | $252/yr | $21/mo | 26.6% above national average |
| Mississippi | $252/yr | $21/mo | 26.6% above national average |
| Oklahoma | $252/yr | $21/mo | 26.6% above national average |
| Florida | $248/yr | $21/mo | 24.6% above national average |
| Colorado | $228/yr | $19/mo | 14.6% above national average |
| New York | $228/yr | $19/mo | 14.6% above national average |
| Texas | $228/yr | $19/mo | 14.6% above national average |
| Alabama | $224/yr | $19/mo | 12.6% above national average |
| Connecticut | $224/yr | $19/mo | 12.6% above national average |
| Arkansas | $218/yr | $18/mo | 9.5% above national average |
| Georgia | $218/yr | $18/mo | 9.5% above national average |
| California | $216/yr | $18/mo | 8.5% above national average |
| Kansas | $216/yr | $18/mo | 8.5% above national average |
| Massachusetts | $216/yr | $18/mo | 8.5% above national average |
| Rhode Island | $216/yr | $18/mo | 8.5% above national average |
| District of Columbia | $216/yr | $18/mo | 8.5% above national average |
| Kentucky | $204/yr | $17/mo | Near national average |
| Maryland | $204/yr | $17/mo | Near national average |
| Michigan | $204/yr | $17/mo | Near national average |
| Missouri | $204/yr | $17/mo | Near national average |
| New Jersey | $204/yr | $17/mo | Near national average |
| South Carolina | $204/yr | $17/mo | Near national average |
| Tennessee | $204/yr | $17/mo | Near national average |
| Arizona | $198/yr | $16/mo | Near national average |
| Delaware | $192/yr | $16/mo | 3.5% below national average |
| Illinois | $192/yr | $16/mo | 3.5% below national average |
| Minnesota | $192/yr | $16/mo | 3.5% below national average |
| Nebraska | $192/yr | $16/mo | 3.5% below national average |
| Nevada | $192/yr | $16/mo | 3.5% below national average |
| New Mexico | $192/yr | $16/mo | 3.5% below national average |
| North Carolina | $192/yr | $16/mo | 3.5% below national average |
| Oregon | $192/yr | $16/mo | 3.5% below national average |
| Washington | $192/yr | $16/mo | 3.5% below national average |
| Alaska | $188/yr | $16/mo | 5.5% below national average |
| Indiana | $180/yr | $15/mo | 9.5% below national average |
| Montana | $180/yr | $15/mo | 9.5% below national average |
| Ohio | $180/yr | $15/mo | 9.5% below national average |
| Pennsylvania | $180/yr | $15/mo | 9.5% below national average |
| South Dakota | $180/yr | $15/mo | 9.5% below national average |
| Virginia | $180/yr | $15/mo | 9.5% below national average |
| West Virginia | $180/yr | $15/mo | 9.5% below national average |
| Idaho | $168/yr | $14/mo | 15.6% below national average |
| Iowa | $168/yr | $14/mo | 15.6% below national average |
| Maine | $168/yr | $14/mo | 15.6% below national average |
| New Hampshire | $168/yr | $14/mo | 15.6% below national average |
| North Dakota | $168/yr | $14/mo | 15.6% below national average |
| Utah | $168/yr | $14/mo | 15.6% below national average |
| Wisconsin | $168/yr | $14/mo | 15.6% below national average |
| Wyoming | $168/yr | $14/mo | 15.6% below national average |
| Vermont | $156/yr | $13/mo | 21.6% below national average |