What renters insurance costs — estimates, not quotes
Many landlords require renters insurance before you move in. This page shows what renters in your state actually paid, what individual companies charged in published Ohio surveys, and where to go to get a real price. RivoRent does not sell insurance and cannot quote you — only an insurer can do that.
🛡️ Estimated cost in your state
Estimated range for Ohio at $20,000 – $24,999 of personal property
About $165–$184 a year.
Based on what Ohio renters actually paid: NAIC industry data for 2023 (average HO-4 premium, 756,038 policy-years), adjusted to July 2026 with the U.S. Bureau of Labor Statistics tenants' insurance index. It is a market average, not a price for any particular home and not a price for you.
Your own price depends most on your credit-based insurance score, your claims history and which carrier you choose. In published Ohio figures the same coverage ranges from $127 a year at excellent credit to $933 at poor credit. We do not ask for any of that, so we cannot narrow this for you.
How this range is worked out
NAIC collects every tenant (HO-4) policy written in the state and reports the average premium for each band of cover. For Ohio in 2023 that is 756,038 policy-years across 15 bands, and 158,895 policy-years in the band selected above. The range you see is that band together with the bands immediately either side of it — a measured spread over real, adjacent coverage levels in the same market, not a margin we invented.
Those figures describe 2023, so they are carried forward to July 2026 by the change in the BLS tenants' insurance index (153.264 → 174.868, a factor of 1.141). That adjustment is a national one: BLS publishes this index only for the U.S. city average, and there is no Ohio, Midwest or Cleveland version of it.
Nothing else is applied. Deductible steps, ZIP-code differences and credit ladders published by other companies are not multiplied into this number, even though doing so would make it look more precise. Each of those ratios was measured on a different policy by a different firm, and stacking them would manufacture a precision that exists in none of them.
Compare and choose
Pick a company to carry on to their own signup. You buy the policy from the insurer, on the insurer's own site — RivoRent does not sell insurance and never takes payment for one.
Choose a company above to carry on.
What carriers charged in published Ohio surveys
These are averages published by third-party surveys, each for one fixed coverage scenario, on the date shown. They are not quotes. They do not reflect your address, your credit or your claims history, and they will go out of date before the next survey is published. They do not change when you change the options above.
Published average (not a quote)
- Grange Insurance$167/year
insure.com, published 1 June 2026 · $40,000 personal property / $300,000 liability / $1,000 deductible
- State Farm$185/year
insure.com, published 1 June 2026 · $40,000 personal property / $300,000 liability / $1,000 deductible
- Auto-Owners$239/year
insure.com, published 1 June 2026 · $40,000 personal property / $300,000 liability / $1,000 deductible
- Nationwide$241/year
insure.com, published 1 June 2026 · $40,000 personal property / $300,000 liability / $1,000 deductible
- Allstate$256/year
insure.com, published 1 June 2026 · $40,000 personal property / $300,000 liability / $1,000 deductible
- Erie Insurance$263/year
insure.com, published 1 June 2026 · $40,000 personal property / $300,000 liability / $1,000 deductible
- American Family$401/year
insure.com, published 1 June 2026 · $40,000 personal property / $300,000 liability / $1,000 deductible
- Travelers$687/year
insure.com, published 1 June 2026 · $40,000 personal property / $300,000 liability / $1,000 deductible
- USAA$155/year
insure.com, published 1 June 2026 · $40,000 personal property / $300,000 liability / $1,000 deductible
USAA — military members and their families only.
The same renter can pay 4.1 times as much depending only on which company they buy from — $167 against $687 a year for identical coverage. That is why it is worth getting more than one quote.
Two other surveys, at different coverage levels
Priced independently, on different policies, they put the same companies at the same ends of the list. The dollar amounts are not comparable across surveys — only the ordering is.
MoneyGeek · updated 1 September 2026
$20,000 personal property / $100,000 liability / $500 deductible · Ohio average $192/year
Cheapest: Grange $110 · USAA $112 (military members and their families only) · State Farm $126
Insurance.com · updated 19 February 2026
$40,000 personal property / $100,000 liability / $1,000 deductible · Ohio average $234/year
Cheapest: Grange Insurance $159 · State Farm $176 · Auto-Owners $227
Dearest: Travelers $627 · American Family $353
What credit does to the price in Ohio
MoneyGeek, updated 1 September 2026 · $20,000 personal property / $100,000 liability / $500 deductible
- Excellent credit$127/year
- Good credit$192/year
- Fair credit$275/year
- Below fair credit$451/year
- Poor credit$933/year
Same coverage, same state, 7.3 times the price. RivoRent never asks for your credit information, and this figure is not applied to the estimate above.
Get a real quote
A real price needs your address, the cover you want and your own history. Only the insurer can work that out. Getting two or three is the single most useful thing on this page.
- Get a real quote from Grange Insurance
- Get a real quote from State Farm
- Get a real quote from Auto-Owners
- Get a real quote from Nationwide
- Get a real quote from Allstate
- Get a real quote from Erie Insurance
- Get a real quote from American Family
- Get a real quote from Travelers
- Get a real quote from Lemonade
- Get a real quote from Progressive
- Get a real quote from Liberty Mutual
- Get a real quote from USAA
military members and their families only
Each link goes to that company's own quote form. RivoRent does not sell insurance, is not an agent or broker, receives no commission, and never sees your quote.
Where these numbers come from
- National Association of Insurance Commissioners — Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner's Insurance Report: Data for 2023
Table 5, 2023 Average Premium by Amount of Insurance, HO-4 column. Data year 2023; report published July 2026. The estimate above is dated by the DATA year, not the publication date. - U.S. Bureau of Labor Statistics — CPI, Tenants' and household insurance, U.S. city average, not seasonally adjusted (CUUR0000SEHD)
2023 annual average 153.264 → July 2026 174.868. - insure.com — average renters insurance cost in Ohio
published 1 June 2026 · $40,000 personal property / $300,000 liability / $1,000 deductible · Ohio average $255/year. - MoneyGeek — cheapest renters insurance in Ohio
updated 1 September 2026 · $20,000 personal property / $100,000 liability / $500 deductible. - Insurance.com — cheapest renters insurance in Ohio
updated 19 February 2026 · $40,000 personal property / $100,000 liability / $1,000 deductible.
These figures are refreshed by hand. Each one carries the date or data year of the source that published it, so you can see for yourself how old it is. If a source stops publishing a figure, we remove it rather than carry it forward under a newer date.