Renters insurance calculator
Estimate your premium in 10 seconds — no email, no phone number. We start from your state's real market average and adjust for how much property you're covering, your deductible and whether a dog shares the place.
Estimate your renters insurance premium
Real California market rates, adjusted for your place — no email required
Estimate scales California's market average ($30K property / $100K liability benchmark) by coverage limit and deductible. Renters insurance is the cheapest policy most people ever buy — and still varies close to 2x between carriers for the same apartment, so a five-minute comparison usually pays for a month of coverage.
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What the big carriers charge
Renters is the cheapest policy in insurance — and still varies nearly 2x between carriers for identical coverage. The cheapest national carriers routinely come in under $15 a month.
| Carrier | National avg ($30K property coverage, monthly) | vs U.S. average | |
|---|---|---|---|
| Lemonade | $14/mo | -39% vs US avg | Get quotes → |
| State Farm | $14/mo | -39% vs US avg | Get quotes → |
| Allstate | $17/mo | -26% vs US avg | Get quotes → |
| Amica | $18/mo | -22% vs US avg | Get quotes → |
| Nationwide | $21/mo | -9% vs US avg | Get quotes → |
| Farmers | $24/mo | +4% vs US avg | Get quotes → |
National market averages compiled July 2026 from published rate analyses; your quote will differ. Quote links go to our comparison partner and may earn us a commission at no cost to you.
Where your state fits
State averages run from $16/mo in Montana to $36/mo in Louisiana, tracking hurricane exposure almost perfectly. See the full ranking on the renters insurance by state page.
The single most reliable way to cut your premium is comparing quotes — carriers price the same coverage very differently — State Farm averages $14/month while others charge $24+ for comparable policies.
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Renters insurance calculator FAQ
How much is renters insurance per month?
The U.S. average is $23 a month for $30,000 of personal property and $100,000 of liability — about the cost of two streaming subscriptions. State averages run from roughly $11 in Wyoming to $47 in hurricane-exposed Louisiana.
What does renters insurance actually cover?
Three things: your belongings (theft, fire, water damage from burst pipes — at home and even in your car or a hotel), your liability (someone injured in your apartment, or damage you cause to other units), and additional living expenses if your place becomes uninhabitable. It does not cover the building itself — that's your landlord's policy.
Is renters insurance worth it?
At $23/month average, one stolen laptop roughly pays for two years of coverage. The liability protection is the sleeper value: a single guest-injury or water-damage claim can run five figures, and most landlords' policies explicitly exclude tenant liability. Many landlords now require a policy anyway.
How can I pay less for renters insurance?
Compare quotes first — carriers price the same apartment nearly 2x apart, and the cheapest national carriers average around $14/month. Then bundle with auto insurance (often a 5–15% discount on both), raise your deductible to $1,000, and take the paperless/autopay discounts most carriers offer.