Claim frequency and litigation
States with more claims, or with a more active litigation climate, tend to have higher average premiums.
Insurance research
Average Renters Insurance Cost by State (2026)
Renters insurance protects your personal property, your liability, and your additional living costs when you rent. The average annual premium in the United States is about $170. This page compares every state's average against that baseline so you can see where coverage tends to cost more and where it tends to cost less.
Average renters insurance cost by state
Sorted alphabetically. A minus sign means the state's average is below the US average; a plus sign means it is above.
| Location | Average annual premium | vs US average ($170) |
|---|---|---|
| United States (national average) | $170 | baseline |
| Alabama | $162 | −$8 |
| Alaska | $114 | −$56 |
| Arizona | $149 | −$21 |
| Arkansas | $151 | −$19 |
| California | $188 | +$18 |
| Colorado | $147 | −$23 |
| Connecticut | $144 | −$26 |
| Delaware | $124 | −$46 |
| District of Columbia | $147 | −$23 |
| Florida | $159 | −$11 |
| Georgia | $158 | −$12 |
| Hawaii | $151 | −$19 |
| Idaho | $103 | −$67 |
| Illinois | $141 | −$29 |
| Indiana | $127 | −$43 |
| Iowa | $115 | −$55 |
| Kansas | $148 | −$22 |
| Kentucky | $123 | −$47 |
| Louisiana | $184 | +$14 |
| Maine | $109 | −$61 |
| Maryland | $131 | −$39 |
| Massachusetts | $141 | −$29 |
| Michigan | $122 | −$48 |
| Minnesota | $139 | −$31 |
| Mississippi | $190 | +$20 |
| Missouri | $155 | −$15 |
| Montana | $130 | −$40 |
| Nebraska | $150 | −$20 |
| Nevada | $132 | −$38 |
| New Hampshire | $104 | −$66 |
| New Jersey | $125 | −$45 |
| New Mexico | $130 | −$40 |
| New York | $164 | −$6 |
| North Carolina | $128 | −$42 |
| North Dakota | $117 | −$53 |
| Ohio | $125 | −$45 |
| Oklahoma | $163 | −$7 |
| Oregon | $119 | −$51 |
| Pennsylvania | $124 | −$46 |
| Rhode Island | $139 | −$31 |
| South Carolina | $124 | −$46 |
| South Dakota | $130 | −$40 |
| Tennessee | $138 | −$32 |
| Texas | $250 | +$80 |
| Utah | $111 | −$59 |
| Vermont | $113 | −$57 |
| Virginia | $139 | −$31 |
| Washington | $134 | −$36 |
| West Virginia | $133 | −$37 |
| Wisconsin | $112 | −$58 |
| Wyoming | $106 | −$64 |
These are the NAIC 2021 baseline averages published by the Insurance Information Institute. Inflation has pushed 2026 quotes higher, so treat the table as a comparison tool rather than a quote.
What drives renters insurance prices
Replacement costs
Where it costs more to replace your belongings, insurers charge more for the same coverage.
Weather exposure
Hurricanes, tornadoes, hail, wildfires, and winter storms all shape loss patterns and pricing.
Carrier competition
States with more competing insurers usually see lower prices; thin markets tend to run higher.
Next steps
Renters insurance cost calculatorEstimate your own annual premium with your coverage limits, deductible, and location.
How much is renters insurance?Read the full guide to what renters insurance covers and how premiums are set.
Insurance and protection toolsBrowse the rest of the insurance calculator library.
Get a personal estimate
State averages are a starting point. Your real quote depends on your address, the coverage you choose, and your claims history.