---
title: "Renters Insurance Rates By City"
canonical: "https://www.simplyinsurance.com/renters-insurance-rates-by-city/"
description: "Renters insurance rates by city can vary a lot. We break down average costs across the US so you know exactly what to expect in your area."
silo: "renters"
published: "2026-05-31"
updated: "2026-05-31"
author: "sa-el"
source: "Simply Insurance"
---
Renters across America are starting to realize how expensive it can be to go without [renters insurance](https://www.simplyinsurance.com/compare-renters-insurance-quotes-online/).

We have compiled all of the [renters insurance rates by state](https://www.simplyinsurance.com/renters-insurance-rates-by-state/) and realized that rates can differ by the city you live in as well.

With **the national average quote being around $15.58 per month**, there really isn’t any excuse to go without some type of renters policy.

The good news is that we have included links to the top cities in each state so that you can learn which companies have the best renters insurance quotes in your city.

## Average Renters Insurance Rates By City

### California Renters Insurance Rates By City

CITY | AVERAGE MONTHLY PREMIUM
--- | ---
San Francisco | $17.01
San Diego | $17.00

### Illinois Renters Insurance Rates By City

CITY | AVERAGE MONTHLY PREMIUM
--- | ---
Chicago | $15.41

### New York Renters Insurance Rates By City

CITY | AVERAGE MONTHLY PREMIUM
--- | ---
New York City | $12.50

### Washington State Renters Insurance Rates By City

CITY | AVERAGE MONTHLY PREMIUM
--- | ---
Seattle | $14.00