Renters Insurance Cost in Pennsylvania (2026 Average)
Pennsylvania renters paid about $124 a year on average in the NAIC 2021 baseline, about $46 less than the $170 US average. The state average is a useful baseline, but your quote will depend on your city, coverage limits, deductible, and claims history.
What drives Pennsylvania renters insurance costs
Pennsylvania renters paid about $124 a year on average in the NAIC 2021 baseline, about $46 less than the $170 US average.
Weather exposure is a major driver here: winter storms and severe weather are the main exposures.
Claim frequency and litigation also matter: claim frequency is moderate, with litigation a factor in the Philadelphia metro.
Replacement costs and carrier competition round out the picture: replacement costs are moderate overall, and higher in the metros, and many carriers compete, keeping the average below the national figure.
How Pennsylvania compares
| Location | Average annual premium | vs US average ($170) |
|---|---|---|
| Pennsylvania | $124 | −$46 |
| United States (national average) | $170 | baseline |
| New York | $164 | −$6 |
| New Jersey | $125 | −$45 |
| Maryland | $131 | −$39 |
A minus sign means the average is below the US average. Figures are the NAIC 2021 baseline; 2026 quotes run higher after inflation.
Next steps
Estimate your own premium
State averages only get you part of the way. Your real quote depends on your address, the coverage you choose, and your claims history.