Renters Insurance Cost Calculator by ZIP
Type your ZIP and see the low, typical, and high monthly cost of renters insurance where you live, what drives it, and how it compares to the rest of the country. Built from public regulator filings and federal risk data, not sales quotes.
Covers all 33,000+ U.S. ZIP codes. Try yours, then a friend’s in another state.
- This renters insurance cost calculator returns the low, typical, and high monthly cost for any U.S. ZIP code, built from public regulator and government data.
- The starting point is your state’s real average from the NAIC, the association of state insurance regulators, adjusted for county risk and density.
- FEMA’s National Risk Index scores every county for hurricanes, tornadoes, wildfire, hail, and flood, nudging the estimate up or down within a 15 percent band.
- The calculator estimates cost, but it is not an insurance quote; insurers also price your building, your deductible, your credit-based insurance score, and any prior claims.
- The national average is $173 a year, about $14 a month, per the latest NAIC state data (2023), with state averages ranging from about $10 in South Dakota to $22 in Mississippi.
- Landlords, property managers, and student-housing offices can embed the calculator for free with the attribution line.
Three public data sources, one estimate
No insurer feeds this tool a price. It is built from what regulators and federal agencies publish for every state and county.
Your state’s real average
State insurance regulators (the NAIC) publish the average premium tenants actually paid for renters (HO-4) policies. That is the starting point, not a marketing number.
Your county’s hazard load
FEMA’s National Risk Index scores every county for hurricanes, tornadoes, wildfire, hail, flood, and more. Higher risk nudges the estimate up, lower risk nudges it down, within a 15 percent band.
City, suburb, or rural
Dense urban counties tend to quote higher for theft and liability; rural counties lower. Your coverage choice then scales the whole range.
What the range means and what moves your real quote
The “typical” number is what a renter in your county with a standard policy would expect to pay, based on the state average adjusted for local hazard and density. The low end is roughly what a small policy with a high deductible costs; the high end is what a larger contents limit, higher liability, and a low deductible tend to cost. Real quotes land inside that band most of the time and outside it when something specific is going on: a dog breed on an insurer’s list, a prior claim, a ground-floor unit in a flood zone, or a bundle discount with an auto policy.
Five things move your actual price: how much stuff you insure, your liability limit, your deductible, your building (sprinklers, gated access, construction year), and whether you bundle. The tool only sees the first of those, so treat it as a sanity check before you shop, not a substitute for a quote.
NAIC state averagesFEMA National Risk IndexCensus densityNot a quote
Want the state-by-state picture first? See the 2026 renters insurance cost by state ranking, all 51 jurisdictions from the same regulator data, with a downloadable dataset.
Why the number is often lower than a comparison-site headline
Regulator averages reflect what renters actually bought, and a lot of renters buy small policies. Comparison sites usually quote a fixed $30,000 contents / $100,000 liability policy for a 35-year-old with good credit, which is closer to the high end of this tool’s range. Both are true; they measure different things.
Known limits
Risk and density are scored by county, so a downtown ZIP in a huge county (Phoenix, Anchorage) reads a little low, and a high-cost coastal city inside a mixed state (Miami) reads low against local quotes. ZIP codes are matched to counties using Census ZIP tabulation areas, which cover residential ZIPs but not PO-box-only ZIPs.
Put the calculator on your site
Property managers, landlords, and student-housing offices: drop the tool into a move-in page with one line. It stays free, and we keep the data current.
Calculator FAQ
Where the numbers come from and what they are not.
Is this a real renters insurance quote?
No. It is an estimate built from public data: state averages published by insurance regulators, county hazard scores from FEMA, and Census density. A quote comes from an insurer and depends on your building, deductible, coverage limits, and history.
How much is renters insurance per month on average?
The national average is $173 a year, about $14 a month, per the latest NAIC state data (2023). State averages run from about $10 a month in South Dakota to about $22 a month in Mississippi.
Why does my ZIP show a range instead of one price?
Because your coverage choices move the price more than your address does. The low end reflects a small policy with a high deductible, the high end a larger policy with a low deductible. Most real quotes land in between.
Does the calculator know my building or my claims history?
No. It sees your county’s hazard and density and your state’s average. Insurers also price the building, your deductible, your credit-based insurance score in most states, and any prior claims.
Can I put this on my website?
Yes. Copy the embed code above. It is free for landlords, property managers, and housing offices. Please keep the attribution line under the frame.
Where does the data come from?
NAIC “Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner’s Insurance” report (2023 data, published July 2026), FEMA National Risk Index county table (December 2025), and Census Bureau county population and land-area files (2025).
Know the number before the lease asks for a certificate
Estimate it here, then compare live quotes side by side and pick in about two minutes.
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ApartmentRentalInsurance.com is an independent, advertising-supported comparison site. We are not an insurer or an agent and do not sell policies. Estimates on this page come from public regulatory and government data and are not quotes.