Find Cheap Renters Insurance Quotes in Your Area
We evaluated renters insurance quotes for a sample policy in 95 cities across the state of Pennsylvania in order to determine which cities had the highest and lowest annual renters insurance costs. Based on this sample policy, we found that renters in Pennsylvania pay an average of $259 per year for renters insurance with $30,000 in personal property coverage. We also found that prices for renters insurance can vary by as much as 73% between cities. Below, we profile the most and least expensive cities in Pennsylvania for renters insurance. Read more about our findings, or use our quote tool above to find renters insurance quotes in your area.
- Cheapest Renters Insurance Companies in Pennsylvania
- Top 5 Least Expensive Cities for Renters Insurance In Pennsylvania
- Top 5 Most Expensive Cities for Renters Insurance in Pennsylvania
- What Does Renters Insurance Cover in Pennsylvania?
Cheapest Renters Insurance Companies in Pennsylvania
We gathered quotes for our sample residence across 95 cities from Liberty Mutual, State Farm, Allstate, Nationwide and Farmers. Quotes from each company were averaged to find which insurance companies had the best rates in Pennsylvania. The graph below shows the average annual costs to insure our sample residence by company as well as the average renters insurance cost for the state:
Top 5 Least Expensive Cities for Renters Insurance in Pennsylvania
1. Hummelstown, PA
Hummelstown is located between Harrisburg and Hershey and is well-situated to capitalize off the visitor traffic from both cities. It was originally founded and settled by German immigrants, and was the largest producer of brownstone on the east coast until the early 1930s. The town is a popular rest stop for visitors to Hershey Park, and many of its residents are employees of The Hershey Company. Due to its location between Hershey and the state capital, Hummelstown is a popular residence for commuters working in either city.
Residents of Hummelstown pay an average of $190 per year for renters insurance, which is 26% less than the state average. Hummelstown ranks as the most affordable city for renters insurance in the state of Pennsylvania. Between the companies we surveyed, we found that the annual cost of renters insurance in Hummelstown ranged between $115 and $258.
2. Clarks Summit, PA
Clarks Summit is located in Lackawanna County, 15 minutes northwest of Scranton, Pennsylvania. It marks the northern endpoint of the Pennsylvania Turnpike Northeast Extension. Clarks Summit was originally named after its founder, William Clark, a veteran of the Battle of Bunker Hill. Clarks Summit sits in the heart of the Scranton-Wilkes Barre-Hazleton metropolitan area.
Clarks Summit's renters insurance rates are among the lowest in the state. We found that the average annual cost for renters insurance in Clarks Summit was $202, which is 22% less than the state average. Liberty Mutual and State Farm offered the cheapest quotes of $138 and $151, respectively.
3. Hazleton, PA
Hazleton was originally spelled "Hazelton," but was forever renamed due to a clerical error during its incorporation. The area experienced a population boom in the 1800s because of the rise of coal mining in the nearby Beaver Meadows. This led to the establishment of multiple coal-mining towns nearby which eventually combined to form the greater Hazleton metropolitan area. Today, the city's main industries have shifted entirely away from coal-mining into other sectors such as manufacturing and health-care. Amazon, Walmart and the Lehigh Valley Hospital are among the city’s top employers.
Hazleton ranks third on our list of most affordable cities for renters insurance in Pennsylvania. The average annual renters insurance quote for Hazleton is $226, which is $33 below the state average. If you're looking for cheap renters insurance in Hazleton, we recommend checking with State Farm, which quoted us our lowest annual rate of $169. By contrast, Nationwide and Farmers quoted us the most expensive rates of $271 and $276, respectively.
4. Carlisle, PA
Carlisle is located 30 minutes west of Harrisburg and is home to Dickinson College, Penn State's Dickinson School of Law and the United States Army War College. Originally settled by Scottish and Irish immigrants, Carlisle was named after its sister city, Carlisle, England, and was also home to the famous Molly Pitcher of Revolutionary War lore. Carlisle, Pennsylvania also hosts some of the biggest specialty car shows in the country, including the GM, Ford and Chrysler Nationals. It's home to Corvettes at Carlisle, an annual festival that features the largest gathering of Chevrolet Corvettes in the nation, exhibiting every model year since the early 1950's.
Carlisle's renters insurance rates are the fifth lowest in the state. We recommend comparing rates from State Farm and Liberty Mutual, as they submitted the cheapest quotes in our Carlisle sample. Farmers offered the most expensive annual rate of $381.
5. Lancaster, PA
Lancaster is the eighth largest city in Pennsylvania and is located in southeastern Pennsylvania. It was once the nation's capital for a single day on September 27, 1777 and is home to America's oldest continually operating farmers market. Lancaster has some of the most affordable home and renters insurance rates in Pennsylvania. Among the cities we surveyed, we found that Lancaster ranked fifth in most affordable renters insurance rates and seventh in most affordable home insurance rates.
Renters seeking affordable insurance in Lancaster should check with Liberty Mutual and State Farm, who offered our cheapest annual renters insurance quotes of $124 and $139, respectively. Overall, Lancaster's renters insurance costs are 11% below the state average.
Top 5 Most Expensive Cities for Renters Insurance in Pennsylvania
1. Philadelphia, PA
Philadelphia is the largest city in Pennsylvania, consequently it also has the most expensive renters insurance rates in the state. The city of brotherly love is home to over 1.5 million people and is the sixth largest city in the United States. It was founded in 1682 and served as the first capital of the United States as well as the signing place of the Declaration of Independence. Today, some of the nation's top schools including the University of Pennsylvania, Temple University and Drexel College call Philadelphia home. Its professional football team, the Philadelphia Eagles, were recently crowned Super Bowl champion in 2018.
Residents of Philadelphia pay the highest renters insurance premiums in the state. Of the companies we surveyed, Allstate quoted the most expensive annual rate of $428. By contrast, State Farm quoted the cheapest annual rate of $218. As a whole, Philadelphia's renters insurance rates are 27% more expensive than the state average.
2. Pittston, PA
Pittston sits twenty minutes southwest of Scranton, at the junction of the Susquehanna and Lackawanna rivers. It was chartered as a city in 1894 and rose to prominence as a coal-mining town after the discovery of anthracite coal in Wyoming Valley. Later on, the city's economy switched from coal mining to manufacturing and healthcare. Its top employers include Amazon, the Geisinger Medical Center and Lowes.
Pittston renters pay the second least affordable renters insurance rates in the state. Farmers quoted the most expensive rate of $577 per year. In comparison, Liberty Mutual, our lowest-cost provider submitted a quote of $157, less than a third of the price quoted by Farmers.
3. Stroudsburg, PA
Stroudsburg is located in Monroe County, situated in Pennsylvania's northeastern region. It is the junction point of the McMichael, Pocono, and Brodhead Creeks. Stroudsburg is a popular destination for travelers visiting the nearby Poconos mountains. It's located near many popular trails and natural attractions. Unfortunately, Stroudsburg’s renters insurance rates are also among the highest in Pennsylvania.
Based on our research, annual renters insurance quotes in Stroudsburg average between $172 and $499. Stroudsburg's renters insurance rates are 14% more expensive than the state average and are the third most expensive in the state.
4. Pittsburgh, PA
Pittsburgh sits on the intersection of the Allegheny, Ohio and Monongahela rivers and is nicknamed "Steel City" due to its industrial past. Much of Pittsburgh's rise was due to investments made by the philanthropist Andrew Carnegie and his domination of the American steel industry. After undergoing a period of decline in the late 1900's, Pittsburgh has experienced a resurgence due to expansions into the healthcare and tech sectors. The University of Pittsburgh's School of Medicine is one of the top ranked schools for healthcare professionals in the nation. Additionally, Carnegie Mellon University offers the country's top ranked computer science program for graduates.
Pittsburgh, the second largest city in Pennsylvania, also has the state's fourth most expensive renters insurance rates. The average annual cost for renters insurance in Pittsburgh is $294. Farmers provided the most expensive quote in our sample of $475 followed by Allstate at $325. Renters shopping for home insurance in Pittsburgh should begin their search with Liberty Mutual, which quoted us the lowest annual rate of $169.
5. Tunkhannock, PA
Tunkhannock is located about an hour north of Wilkes-Barre. It sits in Wyoming County, which was split off from Luzerne County by an act of the Pennsylvania Legislature in 1842. The nearby Pocono Plateau is a popular destination for backpackers in northeastern Pennsylvania. Tunkhannock's name means "small stream" and originates from the nearby Tunkhannock Creek. Tunkhannock offers many antique shops and bed and breakfasts for visitors to the area.
Tunkhannock offers the fifth most expensive renters insurance rates in Pennsylvania. On average, Tunkhannock renters pay $293 annually for renters insurance, which is 13% greater than the state mean. The cheapest annual quote was offered by Liberty Mutual at $234 while Farmers offered the most expensive quote of $406.
What Does Renters Insurance Cover in Pennsylvania?
In general, renters insurance provides financial protection through four main types of coverage: personal property, personal liability, additional living expenses and medical payments. Pennsylvania is no different, with the major insurers in the state including these coverages in their policies.
- Personal property coverage: If their personal belongings are damaged or destroyed in a covered peril, Pennsylvania renters can seek reimbursement from their insurer for the cost of replacing them up to policy limits. Common perils may include theft, vandalism or fire damage. Pennsylvania tenants who live in cities with higher crime rates should consider renters insurance as protection against stolen belongings.
- Personal liability coverage: Liability coverage will cover the costs of an injury to others or, if you're sued, the cost of your legal defenses if you're at fault for the event. A typical renters insurance policy covers up to $100,000 in liability costs.
- Additional living expenses (ALE) coverage: If a covered event renders their apartment uninhabitable, Pennsylvania renters can use ALE coverage to reimburse the costs of staying elsewhere. Coverage is only for costs above and beyond your normal expenses. If the front door of your rental home in Philadelphia is broken down by vandals, for example, ALE will cover the costs of staying in a hotel nearby up to specified dollar and time limits. ALE is also referred to as loss of use coverage.
- Medical payments coverage: Covers a limited amount of medical costs if a guest is injured on your property.
Pennsylvania residents, for the most part, are not legally required to have renters insurance. However, landlords do have the right to require renters insurance as part of the lease, and occasionally do. If they do, purchasing it will be mandatory.
Irrespective of requirements, we generally recommend that Pennsylvania tenants purchase renters insurance given the importance of its coverage features and its affordability. At an average cost of $22 per month, it's a worthy investment to protect risks to property and exposure to legal liability.
We studied 95 cities, spread out geographically throughout the state of Pennsylvania. The sample renters insurance policies we gathered included $30,000 worth of coverage for a single 27-year old male, living in a multi-unit apartment. Quotes were obtained from Liberty Mutual, State Farm, Allstate, Nationwide and Farmers insurance companies and averaged for each city. To see an alphabetical list of all the cities included in our analysis, please see below. We’ve displayed all cities surveyed, with the average annual cost of insurance for our benchmark policy, and how much each city costs relative to the statewide average.
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