Client: How much are renters insurance policies?
Effective Coverage: I can tell you in about sixty seconds, I just need to ask a few quick questions first. I suppose I could guess what state you’re in by the area code you’re calling from, but it can vary within the state as well. What’s your address?
Client: I don’t want to give you any information.
Effective Coverage: I could give you a national average price, but it won’t be your price. And besides, the national average price of renters insurance includes a few states with higher prices. You don’t want the national average, you want a price for you.
In the interest of full disclosure, the national average price of renters insurance is about $187.00 annually, or about fifteen dollars a month. But once again, you’re asking “How much are renters insurance policies for me, not what the national average is. Fortunately, we have answers for you!
Effective Coverage collected data from several major insurance carriers for a very real insured. But before we delve into that data, why is New Hampshire Renters Insurance so affordable? Find out below our Video Guide to Renters Insurance!
New Hampshire Renters Insurance is some of the most affordable renters insurance in the country! In fact, it falls almost exactly on the national average. The average price in Concord, NH was just $188.83, in line with the national average. Bear in mind that Concord is quite far south in the state. That price includes the fact that some people commute to Boston, and some of the risks found in Boston find their way to Concord.
Overall, renters insurance in New Hampshire is affordable because it’s a pretty low-risk place to live. Rural though the state may be, there is excellent fire department coverage statewide and crime is low. You’ll often find that the price drops a bit as you go further north, as well.
And now, without further ado…
How Much Are Renters Insurance Policies Nationwide?
You’re going to be very surprised at how affordable renters insurance is in most states!
South Dakota is the cheapest at around $92.00 a year
Alaska isn’t far behind, coming in at just $92.50 annually
North Dakota follows suit, at just $109.50
New York is pretty impressive, at just $111.00 a year
Montana you can buy a policy for just $125.23
North Carolina where prices are set a little bit differently than in other states averages just $125.23
South Carolina isn’t far behind at $127.00, but make sure you ask whether the policy includes wind coverage
Hawaii is surprisingly affordable at just $127.50 annually
Wisconsin comes in at just $129.25 for a year of coverage
Vermont, where few bad things happen, is just $131.33 a year
Utah, also a generally peaceful state, will only set you back $137.35 for a year of coverage
Pennsylvania is another affordable state, at only $140.58 annually
Illinois can average as low as $141.33 for the year, though the size of the city you live in can also impact that price – we used Springfield
Iowa is another state with affordable renters insurance, at just $142.62
Idaho is just $145.25 a year
Washington is quite affordable at $148.01
So is Maine, at $148.01
One reason to live in New Jersey is that renters insurance in Trenton could cost as little as $149.34 a year
Wyoming has both open spaces and affordable renters insurance, at $153.27
Texas has some wide variations in areas like Houston, but in Austin we found the average to be just $157.22
Virginia renters insurance is still very affordable at $159.97
Nebraska has cheap renters insurance at $161.03, and lots of corn as a bonus – you’ll find the other half of the states below
Maryland renters insurance is much less expensive than Maryland auto insurance, at an average of just $163.25
You don’t have to gamble on renters insurance in Nevada, at just $165.14
West Virginia is more affordable than you might expect, at $168.26
In Oregon, you’ll pay around $175.33
New Mexico renters insurance averages just $179.24
Connecticut renters insurance? Cheap at $182.00 for the year
Minnesota is also affordable at $182.07
Rhode Island renters insurance might set you back just $190.00 a year.
Kansas renters insurance averages just $190.00 a year, but watch out because several factors can have an impact
Kentucky renters insurance came in at $193.04
Florida is the last sub-$200 average state, at $197.00
Indiana renters insurance? Just $200.68 average cost
Missouri is not much higher, at $202.32
Ohio is close, at just $207.67
Delaware is in the same range, $208.00 a year
Colorado renters insurance is affordable at $214.14 a year
Tennessee renters insurance averages just 221.30, and that price is from Nashville – more rural areas might be less expensive
California renters insurance averages $224.00, and credit scores are not used in rating or underwriting
Arizona renters insurance is just $230.46 a year
Michigan renters insurance isn’t bad, at $238.41
Louisiana renters insurance averages just $238.41 a year, but you might want to consider flood coverage for contents
Georgia renters insurance averages $252.44 for the year – if someone tries to charge you twice that, make sure you call Effective Coverage for a quote before you buy
Arkansas statewide renters insurance average is $256.53
Alabama is still quite affordable at just $274.64 a year
Mississippi renters insurance prices can vary widely across the state, but $278.50 is the average in Jackson
Oklahoma renters insurance averages $312.07 – a bit of a jump, but still very affordable over the course of a year
Massachusetts renters insurance averages just $377.00
As you can see, the question of “How much are renters insurance policies?” requires information about your location, and in most cases about you. At Effective Coverage, we’ve streamlined the underwriting process so it’s quick and easy.
We won’t ask you to answer a bunch of irrelevant questions, and we won’t take any more of your time than necessary. Get in. Get insured. Get out. All in a few minutes. It’s really that easy, whether you need New Hampshire Renters Insurance or coverage in any other state!
A streamlined underwriting process also means that in most states you can purchase renters insurance online from Effective Coverage in just sixty seconds! Just call (800)892-4308 or click to get covered - whether you need New Hampshire renters insurance quotes online or coverage anywhere else!
Effective Coverage offers the nation's only completely mobile platform to quote and purchase renters insurance right from your phone or tablet in just one minute. Get an online renters insurance quote today and protect your family.
What's Your Insurance Language?
- Do You Need Renters Insurance ASAP? Check out the fastest way to buy renters insurance online and get covered in just 60 seconds!
- Do You Feel Like Talking About It? Just call Effective Coverage and a renters insurance expert can help you get great coverage in minutes.
- Do You Need Some Time Alone With Your Thoughts? We understand, which is why we created the NH Guide To Renters Insurance.
- Just Want To Watch A Movie Together? See our Video NH Renters Insurance Guide!