The 10 Most Expensive States for Renters Insurance (2026)
The ten most expensive states for renters insurance, ranked from July 2026 rate-filing data — with full state-by-state breakdowns.
Figures are monthly premiums for a $30,000 personal-property benchmark policy — the cheapest insurance most people will ever buy. Here are the ten most expensive states as of July 2026, every figure linking to that state's full breakdown.
| # | State | Monthly premium ($30K property) |
|---|---|---|
| 1 | Louisiana | $36/mo |
| 2 | Arkansas | $35/mo |
| 3 | Georgia | $33/mo |
| 4 | Mississippi | $32/mo |
| 5 | Oklahoma | $31/mo |
| 6 | Alabama | $31/mo |
| 7 | Michigan | $30/mo |
| 8 | Ohio | $28/mo |
| 9 | Missouri | $28/mo |
| 10 | Florida | $27/mo |
#1: Louisiana
Louisiana is one of the most expensive states for renters insurance, ranking #50 of 50 at $36/mo — about 57% above the national average of $23/mo.
#2: Arkansas
Arkansas is one of the most expensive states for renters insurance, ranking #49 of 50 at $35/mo — about 52% above the national average of $23/mo.
#3: Georgia
Georgia is one of the most expensive states for renters insurance, ranking #48 of 50 at $33/mo — about 43% above the national average of $23/mo.
See the full table
All 50 states are ranked on the renters insurance index page. Carriers price identical coverage very differently — a five-minute comparison routinely cuts the bill.
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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