Best Cheap Renters Insurance in Pennsylvania for 2025
- Penn National Insurance offers PA's lowest renters insurance rate at $6/mo.
- See more average rates from companies like Encompass and USAA below.
Or, get a personalized quote from our friends at Liberty Mutual.
How to get affordable renters insurance in Pennsylvania
Renters insurance is an optional but important insurance coverage. It keeps your stuff safe in the event your rental property suffers damage from a common incident. A renters insurance policy protects household items in the event of fire, smoke damage, a wind event, theft, vandalism and a collection of other events.
Unlike auto insurance, renters insurance isn't controlled by state legislation. That said, there are substantial gaps in the cost of renters insurance from state to state. Renters insurance prices in a given state may vary depending on the number and cost renters policy claims submitted in the state, and depend on the price of the belongings you're insuring.
Pennsylvania renters insurance is less expensive than the national average. The typical annual renters insurance rate in Pennsylvania is $124, $60 less expensive than the average across the nation.
The best way to find a cheap renters insurance policy in Pennsylvania is to get quotes from as many insurance companies as you can. Learn renters insurance costs in Pennsylvania by reviewing the below data. Remember: your rates will vary, depending on the value of your belongings and your coverage limits.
Jump to:
- Rates by company
- Rates by city
- Rates by coverage level
- Bundling discounts
- Frequently asked questions
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Renters insurance prices in Pennsylvania by company
Rates for renters insurance in Pennsylvania will vary depending on the insurer you select. Penn National Insurance offers the most affordable renters insurance in Pennsylvania — just $69 per year. This beats the state mean rate of $124, providing a 45% price cut on average statewide renters insurance costs.
Begin your search for cheap renters insurance by viewing average rates from top Pennsylvania carriers, listed below.
AFFORDABLE RENTERS INSURANCE COMPANIES IN PENNSYLVANIA
| Company | Average Yearly Rate in Pennsylvania |
| Penn National Insurance | $69 |
| Encompass | $80 |
| USAA | $107 |
| Donegal Mutual Insurance Company | $111 |
| Great Northern | $137 |
Pennsylvania renters insurance costs by city
Renters insurance rates in Pennsylvania vary depending on the city. Policy pricing depends on city-specific variables, including the number of claims filed nearby, giving your ZIP code weight in deciding how much you pay.
The cheapest renters insurance rates in Pennsylvania are available in Lebanon. The average renters insurance policy in Lebanon costs $107 per year — $17 less than the statewide average. Reference the below table to see the cheapest cities in Pennsylvania for renters insurance.
CHEAPEST CITIES FOR RENTERS INSURANCE IN PENNSYLVANIA
| City | Average Yearly Renters Insurance Rate |
| Lebanon | $107 |
| Lancaster | $107 |
| Harrisburg | $108 |
| York | $109 |
| Reading | $114 |
Looking for information about renters insurance for a specific city? Have a look at our listof major metropolitan areas in Pennsylvania.
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Renters insurance in PA by coverage tier
Your renters insurance rates will vary depending on the amount of coverage you purchase. Common renters insurance coverage tiers are $25,000 and $50,000 property coverage. In Pennsylvania, the annual cost differential between these options is approximately $56. If you can afford to insure your personal property at this additional expense, purchasing more coverage might not be a bad idea.
| Coverage Level | Average Annual Renters Insurance Rate in Pennsylvania |
| $25K Property | $96 |
| $50K Property | $152 |
Tip: bundle auto and renters insurance in Pennsylvania
If you want to save on insurance, consider purchasing your renters and auto policies from the same insurance company. A renters and car insurance bundle in Pennsylvania can lead to substantial savings on your auto insurance bill. In fact, bundling policies in Pennsylvania may generate a yearly discount of $91.
CAR AND RENTERS BUNDLING DISCOUNTS IN PENNSYLVANIA
| Avg. Annual Rate (No Bundle) | Avg. Annual Rate (w/ Bundle) | Annual Savings ($) | Annual Savings (%) |
| $1,390 | $1,299 | $91 | 7% |
Pennsylvania renters insurance FAQs
Is renters insurance required in Pennsylvania?
While there is no law in Pennsylvania requiring tenants to carry renters insurance, a landlord can make this a requirement in your lease.
What does Pennsylvania renters insurance cover?
Renters insurance in Pennsylvania provides coverage for your home's contents, liability coverage, medical payments to others, as well as additional living expenses. These options may vary depending on which company you choose.
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.