While renters insurance is affordable everywhere, some states charge significantly more — driven by higher crime, disaster risk, and litigation costs.
| # | State | Renters | vs Avg |
|---|---|---|---|
| 1 | Florida | $276 | +73% |
| 2 | Louisiana | $266 | +66% |
| 3 | Mississippi | $223 | +39% |
| 4 | Georgia | $213 | +33% |
| 5 | Oklahoma | $204 | +27% |
| 6 | Texas | $204 | +27% |
| 7 | Alabama | $203 | +27% |
| 8 | Arkansas | $192 | +20% |
| 9 | Michigan | $192 | +20% |
| 10 | South Carolina | $192 | +20% |
| 11 | Montana | $189 | +18% |
| 12 | Illinois | $180 | +13% |
| 13 | Kansas | $180 | +13% |
| 14 | Kentucky | $180 | +13% |
| 15 | Missouri | $180 | +13% |
| 16 | Tennessee | $180 | +13% |
| 17 | Colorado | $174 | +9% |
| 18 | Arizona | $168 | +5% |
| 19 | Connecticut | $168 | +5% |
| 20 | Maryland | $168 | +5% |
| 21 | New Jersey | $168 | +5% |
| 22 | North Carolina | $168 | +5% |
| 23 | Rhode Island | $168 | +5% |
| 24 | Indiana | $156 | -3% |
| 25 | Minnesota | $156 | -3% |
| 26 | Nebraska | $156 | -3% |
| 27 | New Mexico | $156 | -3% |
| 28 | Ohio | $156 | -3% |
| 29 | Pennsylvania | $156 | -3% |
| 30 | Virginia | $156 | -3% |
| 31 | West Virginia | $156 | -3% |
| 32 | California | $155 | -3% |
| 33 | Massachusetts | $150 | -6% |
| 34 | Hawaii | $144 | -10% |
| 35 | Iowa | $144 | -10% |
| 36 | Nevada | $144 | -10% |
| 37 | Delaware | $132 | -18% |
| 38 | Oregon | $132 | -18% |
| 39 | Utah | $132 | -18% |
| 40 | Washington | $132 | -18% |
| 41 | New York | $125 | -22% |
| 42 | Idaho | $120 | -25% |
| 43 | New Hampshire | $120 | -25% |
| 44 | Wisconsin | $120 | -25% |
| 45 | North Dakota | $105 | -34% |
| 46 | South Dakota | $105 | -34% |
| 47 | Wyoming | $105 | -34% |
| 48 | Vermont | $102 | -36% |
| 49 | Alaska | $101 | -37% |
| 50 | Maine | $101 | -37% |
The top-ranked state, Florida, has an average renters insurance cost of $276/yr, while the bottom of this list sees costs of $101/yr — a difference of $175/yr.
The average across all states in this ranking is $161/yr. Use our state pages for detailed analysis and our calculators to estimate your personal premium based on your specific situation.
Join thousands of homeowners, renters, and investors getting smarter about insurance every week.
Subscribe Free →