Home Renters insurance Renters insurance cost Washington Vancouver, WA Average renters insurance cost in Vancouver, Washington Renters insurance in Vancouver costs $205 per year or $17 monthly, on average. 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 23, 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. In Vancouver, the average cost of renters insurance is $205 annually for $40,000 in personal property, $300,000 in liability and a $1,000 deductible. It is equals to the state average of $205 per year.Renters insurance costs can vary based on the coverage you choose and the amount of liability protection included in your policy. If you’re living in a rental, it’s a smart way to protect your personal belongings from things like fire, smoke, theft, vandalism, and other covered incidents. Let’s take a look at the cheapest renters insurance options in Vancouver.Key TakeawaysRenters insurance in Vancouver costs an average of $205 per year or $17 monthly.Nationwide offers the cheapest renters in Vancouver, with a monthly premium of $11.Renters can save more on insurance by taking advantage of discounts, including those for having a security system or bundling policies.What is the average cost of renters insurance per month in Vancouver?On average, renters insurance costs in Vancouver are $17 per month. It’s equals to the state average of $17. Renters in Vancouver pay these rates for a coverage limit of $40,000 in personal property coverage, $1,000 deductible, and $300,000 in liability protection coverage.Renters insurance rates can vary by city based on your insurer and the amount of coverage you choose. In Vancouver, for example, renters pay around $13 per month for $20,000 in personal property coverage with a $1,000 deductible. If you increase your coverage to $40,000, the monthly premium goes up by $4.If you own high-value items like jewelry, electronics, or designer furniture, it’s a good idea to consider higher coverage limits to make sure you’re fully protected.How much is renters insurance in Vancouver by deductible?The average cost of renters insurance in Vancouver is $162 annually for a $500 deductible and $20,000 in personal property coverageYour deductible is the amount you must pay out of pocket before your insurance kicks in. If you raise your deductible, your premiums will decrease. For example, if you maintain $20,000 in personal property coverage but increase your deductible from $500 to $1,000, you’ll save $9 annually on your insurance.Below, you’ll find average renters insurance premiums for different personal property coverage and deductible amounts.Deductible$20,000 personal property$40,000 personal property$60,000 personal property$500$162$219$276$1,000$153$205$257Note: Liability coverage is set at $100,000.Who offers affordable renters insurance in Vancouver?Nationwide provides the cheapest rates in Vancouver, with an annual premium of $128 or $11 per month. PEMCO 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 rateNationwide$128$11PEMCO$137$11State Farm$156$13Allstate$193$16Farmers$250$21American Family$263$22USAA$246$21How to lower the cost of renters insuranceFollow these tips to reduce the cost of your renters insurance in Vancouver:Bundle policies. If you have other insurance policies, such as car insurance, consider bundling them with the same company. Many insurers in Vancouver provide discounts for bundled policies.Increase your deductible. A higher deductible can lower your premium in Vancouver, 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 Vancouver to find the best deal.Renters in Vancouver 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 Vancouver 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?BellevueSeattleSpokaneTacomaShivani 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? Average homeowners insurance cost by ZIP code in 2025 What is dwelling coverage and how much do you need? 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By Sarah Sharkey Cost of living comparison by state By Chris Kissell On this page What is the average cost of renters insurance per month in Vancouver?How much is renters insurance in Vancouver by deductible?Who offers affordable renters insurance in Vancouver?How to lower the cost of renters insuranceMethodology ZIP Code Please enter valid ZIP See rates