{
  "meta": {
    "title": "Average Renters Insurance Rates by State — 2026",
    "description": "Average annual and monthly renters insurance premiums across all 50 states and DC, based on MoneyGeek 2026 analysis.",
    "source": "MoneyGeek — Average Cost of Renters Insurance in 2026",
    "sourceUrl": "https://www.moneygeek.com/insurance/renters/average-cost-of-renters-insurance/",
    "dataYear": 2026,
    "lastUpdated": "2026-08",
    "unit": "USD per year (annual) / per month (monthly)",
    "coverageProfile": "$30,000 personal property, $100,000 liability, $500 deductible (standard)",
    "note": "National average is approximately $160/year ($13/month). Rates vary by coverage amount, location, claims history, and insurance score. Louisiana, Mississippi, and Florida have the highest rates due to weather risk."
  },
  "national": {
    "annualAvg": 160,
    "monthlyAvg": 13
  },
  "states": [
    { "state": "Alabama", "abbrev": "AL", "annual": 233, "monthly": 19 },
    { "state": "Alaska", "abbrev": "AK", "annual": 156, "monthly": 13 },
    { "state": "Arizona", "abbrev": "AZ", "annual": 216, "monthly": 18 },
    { "state": "Arkansas", "abbrev": "AR", "annual": 224, "monthly": 19 },
    { "state": "California", "abbrev": "CA", "annual": 192, "monthly": 16 },
    { "state": "Colorado", "abbrev": "CO", "annual": 140, "monthly": 12 },
    { "state": "Connecticut", "abbrev": "CT", "annual": 178, "monthly": 15 },
    { "state": "Delaware", "abbrev": "DE", "annual": 120, "monthly": 10 },
    { "state": "Florida", "abbrev": "FL", "annual": 275, "monthly": 23 },
    { "state": "Georgia", "abbrev": "GA", "annual": 208, "monthly": 17 },
    { "state": "Hawaii", "abbrev": "HI", "annual": 148, "monthly": 12 },
    { "state": "Idaho", "abbrev": "ID", "annual": 146, "monthly": 12 },
    { "state": "Illinois", "abbrev": "IL", "annual": 168, "monthly": 14 },
    { "state": "Indiana", "abbrev": "IN", "annual": 167, "monthly": 14 },
    { "state": "Iowa", "abbrev": "IA", "annual": 114, "monthly": 10 },
    { "state": "Kansas", "abbrev": "KS", "annual": 155, "monthly": 13 },
    { "state": "Kentucky", "abbrev": "KY", "annual": 151, "monthly": 13 },
    { "state": "Louisiana", "abbrev": "LA", "annual": 325, "monthly": 27 },
    { "state": "Maine", "abbrev": "ME", "annual": 141, "monthly": 12 },
    { "state": "Maryland", "abbrev": "MD", "annual": 178, "monthly": 15 },
    { "state": "Massachusetts", "abbrev": "MA", "annual": 162, "monthly": 14 },
    { "state": "Michigan", "abbrev": "MI", "annual": 201, "monthly": 17 },
    { "state": "Minnesota", "abbrev": "MN", "annual": 173, "monthly": 14 },
    { "state": "Mississippi", "abbrev": "MS", "annual": 320, "monthly": 27 },
    { "state": "Missouri", "abbrev": "MO", "annual": 139, "monthly": 12 },
    { "state": "Montana", "abbrev": "MT", "annual": 170, "monthly": 14 },
    { "state": "Nebraska", "abbrev": "NE", "annual": 181, "monthly": 15 },
    { "state": "Nevada", "abbrev": "NV", "annual": 156, "monthly": 13 },
    { "state": "New Hampshire", "abbrev": "NH", "annual": 128, "monthly": 11 },
    { "state": "New Jersey", "abbrev": "NJ", "annual": 147, "monthly": 12 },
    { "state": "New Mexico", "abbrev": "NM", "annual": 117, "monthly": 10 },
    { "state": "New York", "abbrev": "NY", "annual": 159, "monthly": 13 },
    { "state": "North Carolina", "abbrev": "NC", "annual": 187, "monthly": 16 },
    { "state": "North Dakota", "abbrev": "ND", "annual": 105, "monthly": 9 },
    { "state": "Ohio", "abbrev": "OH", "annual": 179, "monthly": 15 },
    { "state": "Oklahoma", "abbrev": "OK", "annual": 211, "monthly": 18 },
    { "state": "Oregon", "abbrev": "OR", "annual": 151, "monthly": 13 },
    { "state": "Pennsylvania", "abbrev": "PA", "annual": 177, "monthly": 15 },
    { "state": "Rhode Island", "abbrev": "RI", "annual": 127, "monthly": 11 },
    { "state": "South Carolina", "abbrev": "SC", "annual": 223, "monthly": 19 },
    { "state": "South Dakota", "abbrev": "SD", "annual": 115, "monthly": 10 },
    { "state": "Tennessee", "abbrev": "TN", "annual": 164, "monthly": 14 },
    { "state": "Texas", "abbrev": "TX", "annual": 162, "monthly": 14 },
    { "state": "Utah", "abbrev": "UT", "annual": 147, "monthly": 12 },
    { "state": "Vermont", "abbrev": "VT", "annual": 128, "monthly": 11 },
    { "state": "Virginia", "abbrev": "VA", "annual": 175, "monthly": 15 },
    { "state": "Washington", "abbrev": "WA", "annual": 141, "monthly": 12 },
    { "state": "West Virginia", "abbrev": "WV", "annual": 136, "monthly": 11 },
    { "state": "Wisconsin", "abbrev": "WI", "annual": 104, "monthly": 9 },
    { "state": "Wyoming", "abbrev": "WY", "annual": 104, "monthly": 9 },
    { "state": "District of Columbia", "abbrev": "DC", "annual": 156, "monthly": 13 }
  ]
}