Home Renters insurance Renters insurance cost Washington Bellevue, WA Average renters insurance cost in Bellevue, Washington The average cost of renters insurance in Bellevue is $218 per year or $18 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: May 7, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Renters insurance in Bellevue, costs $218 per year for $40,000 in personal property, $300,000 in liability and a $1,000 deductible, which is $13 more than the state average of $205 annually.Your renters insurance premium could be higher or lower depending on the coverage and liability limits you select. Purchasing renters insurance is a good idea, as it helps protect your personal property from damage or loss due to events like fire, smoke, theft and vandalism. Want to know who has the most affordable rates? Here are the most affordable renters insurance companies in Bellevue.Key TakeawaysThe average cost of renters insurance in Bellevue is $218 annually or $18 monthly.The cheapest option for renters in Bellevue is PEMCO, offering coverage at $9 per month.Renters can reduce their insurance costs by taking advantage of discounts, such as installing a security system or bundling policies.What is the average cost of renters insurance per month in Bellevue?On average, renters in Bellevue pay $18 per month for renters insurance, which is $1 more than the state average of $17. The policy includes $40,000 in personal property, $300,000 in liability protection and a $1,000 deductible.The cost of renters insurance in Bellevue varies depending on your insurance company and the coverage limit you buy. Renters in Bellevue typically pay $13 monthly for $20,000 in personal property coverage and a $1,000 deductible. If you decide to increase your coverage to $40,000, you’ll see an increase of $5 in your monthly premium.Choosing higher coverage limits is a good idea if you own valuable items like jewelry, electronics, or furniture.How much is renters insurance in Bellevue by deductible?Renters insurance in Bellevue costs an average of $171 per year for a $500 deductible and $20,000 in personal property coverage.The deductible is the amount you pay before your insurance coverage applies. By increasing your deductible, you can lower your insurance premium. For instance, raising your deductible from $500 to $1,000 will save you $10 annually.The table below shows renters insurance premiums for varying personal property coverage and deductible amounts.Deductible$20,000 personal property$40,000 personal property$60,000 personal property$500$171$232$293$1,000$161$218$274Note: The liability protection coverage is $100,000.Who offers affordable renters insurance in Bellevue?PEMCO provides the cheapest rates in Bellevue, with an annual premium of $111 or $9 per month. Nationwide is the second-cheapest company, followed by State Farm.Below is a list of the cheapest renters insurance companies and their average annual and monthly rates.Renter insurance providerAverage annual rateAverage per month ratePEMCO$111$9Nationwide$141$12State Farm$156$13Allstate$193$16American Family$250$21Farmers$285$24USAA$262$22How to lower the cost of renters insuranceFollow these tips to reduce the cost of your renters insurance in Bellevue:Bundle policies. If you have other insurance policies, such as car insurance, consider bundling them with the same company. Many insurers in Bellevue provide discounts for bundled policies.Increase your deductible. A higher deductible can lower your premium in Bellevue, but make sure you’re comfortable with the potential out-of-pocket costs if you file a claim.Choose the right coverage amount. Review your renters insurance policy regularly to ensure you aren’t paying for unnecessary coverage, such as excess personal property coverage if you don’t own many valuables.Avoid filing too many claims. Filing frequent small claims can increase your rates. It might be worth paying for minor damages out-of-pocket instead of using your insurance.Compare quotes. Don’t accept the first quote you get. Shop around and compare renters insurance rates from different insurers in Bellevue to find the best deal.Renters in Bellevue should purchase renters insurance to protect their belongings and financial health. The cost of coverage varies based on your location, coverage limits and individual circumstances. To find the best deal, evaluate your coverage needs, compare quotes from different providers and take advantage of any available discounts.MethodologyInsure.com, with the help of Quadrant Information Services, gathered data for renters insurance rates in Bellevue in 2023 for $40,000 personal property coverage, $300,000 liability coverage, and a $1,000 deductible. The data presented are those with a good credit tier alignment. How much is renters insurance in other cities?SeattleSpokaneTacomaVancouverShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. In case you missed it What is HO-6 condo insurance and how much does it cost? 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Most Americans don’t 1/1 Related Articles Cost of living calculator By Nupur Gambhir $400K home insurance cost calculator By Zack Sigel Hurricane season is here: What to know to protect your home By Maryalene LaPonsie Cost of living comparison by state By Chris Kissell Renters insurance calculator: How much renters insurance costs by state and city in 2025 By Shivani Gite Average homeowners insurance cost by ZIP code in 2025 By Barry Eitel On this page What is the average cost of renters insurance per month in Bellevue?How much is renters insurance in Bellevue by deductible?Who offers affordable renters insurance in Bellevue?How to lower the cost of renters insuranceMethodology ZIP Code Please enter valid ZIP See rates (844)-761-9316