New Jersey vs Pennsylvania: Where Renters Insurance Costs More
Renters Insurance in New Jersey ($18/mo) vs Pennsylvania ($21/mo) — a 15% gap between neighbors, explained with July 2026 data.
New Jersey and Pennsylvania share a border, but for renters insurance they don't share much else: New Jersey averages $18/mo (rank #12 of 50) and Pennsylvania averages $21/mo (rank #25) as of July 2026 — a 15% gap. Insurance is regulated state by state, so each side of the line is its own market.
| New Jersey | Pennsylvania | U.S. average | |
|---|---|---|---|
| Monthly premium ($30K property) | $18/mo | $21/mo | $23/mo |
New Jersey in context
New Jersey lands in the affordable middle of the pack at #12 of 50, averaging $18/mo — about 22% below the national average.
Pennsylvania in context
Pennsylvania lands in the affordable middle of the pack at #25 of 50, averaging $21/mo — about 9% below the national average.
Full local breakdowns: New Jersey · Pennsylvania · all states ranked.
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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