Average Renters Insurance Cost in Washington

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 costs in Washington vary depending on various factors, including the coverage amount, insurance company and individual circumstances. The average cost of renters insurance in Washington is $222 per year or $19 per month for a coverage limit of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible. These are average rates, and actual premiums may differ.

Key Takeaways

The average cost of renters insurance in Washington is $222 per year or $19 per month.
Nationwide provides the least expensive renters insurance in Washington at an average rate of $138 annually.
Renters insurance rates can vary significantly among insurance companies. Compare quotes to find the best deal on renters insurance in Washington.

Average renters insurance cost in Washington per month

In Washington, the average monthly cost of renters insurance is $19. However, premiums can differ depending on factors such as your rental’s location, the value of your personal belongings and the level of coverage you select. Experts recommend comparing quotes from different insurance companies to find the best deal.

Average renters ins cost per month	Difference compared to national average
$19	$3 less

Average renters insurance cost in Washington by company

Nationwide offers the most affordable renters insurance in Washington at an average annual rate of $138, followed by PEMCO and State Farm, based on our data.

However, you should get multiple quotes from various renters insurance companies in Washington because the prices vary greatly among carriers.

Below, we have compared the average annual and monthly renters insurance rates of insurance companies across Washington.

Company	Average annual rate	Average monthly rate
Nationwide	$138	$12
PEMCO	$155	$13
State Farm	$171	$14
Allstate	$225	$19
American Family	$270	$22
Farmers	$283	$24
USAA*	$214	$18

*USAA is only available to military community members and their families.

Renters insurance calculator in Washington

$205/year

Estimated renters insurance rates in Washington

$17

Monthly renters insurance cost in Washington

-17%

Compared to national average

Average cost of renters insurance in Washington by coverage level

The average annual cost of renters insurance in Washington is $222, with a personal property coverage limit of $40,000, $300,000 in liability coverage and a $1,000 deductible.

However, if you lower your personal property coverage from $40,000 to $20,000, you can expect to pay $168 a year for renters insurance in Washington. Make sure $20,000 is enough to cover your belongings before deciding to adjust your coverage.

The table below shows the average annual renters insurance costs in Washington for personal property coverage of $20,000 and $40,000.

Coverage level	Average annual renters insurance rate	Average monthly renters insurance rate
$20,000 with $500 Deductible and $100,000 Liability	$161	$13
$20,000 with $500 Deductible and $300,000 Liability	$178	$15
$20,000 with $1,000 Deductible and $100,000 Liability	$151	$13
$20,000 with $1,000 Deductible and $300,000 Liability	$168	$14
$40,000 with $500 Deductible and $100,000 Liability	$219	$18
$40,000 with $500 Deductible and $300,000 Liability	$236	$20
$40,000 with $1,000 Deductible and $100,000 Liability	$205	$17
$40,000 with $1,000 Deductible and $300,000 Liability	$222	$19
$60,000 with $500 Deductible and $100,000 Liability	$277	$23
$60,000 with $500 Deductible and $300,000 Liability	$294	$25
$60,000 with $1,000 Deductible and $100,000 Liability	$259	$22
$60,000 with $1,000 Deductible and $300,000 Liability	$276	$23

Average cost of renters insurance in Washington by city

Renters insurance premiums can vary widely between cities. To help you choose the right policy, we’ve compiled average costs by location. Explore renters insurance rates across various cities in Washington and find the best fit for your budget.

Renters insurance rates in Washington by city

See rates in your city

Average cost of renters insurance in Washington by ZIP code

The cost of renters insurance in Washington varies by ZIP code. It’s important to note that the affordability of renters insurance can differ significantly depending on your location.

To provide a more comprehensive overview, let’s see some of the most and least affordable ZIP codes for renters insurance in Washington.

Most affordable ZIP codes for renters insurance in Washington

In Washington, your ZIP code plays a major role in determining your premiums. Based on our data, 99341 is the most affordable ZIP code for renters insurance, with an average annual cost of $203.

Comparing quotes from multiple insurers in Washington is a smart way to find the best renters insurance rates for your ZIP code.

ZIP code	City	Average annual rate	Average monthly rate
99341	Lind	$203	$17
99324	College Place	$203	$17
99348	Prescott	$203	$17
99371	Washtucna	$203	$17
99360	Touchet	$203	$17
99301	Pasco	$203	$17
99343	Mesa	$204	$17
99347	Pomeroy	$204	$17
99362	Garrett	$204	$17
99335	Kahlotus	$204	$17

Least affordable ZIP codes for renters insurance in Washington

98168 is the most expensive ZIP code for renters insurance in Washington, at an average cost of $246 annually or $21 monthly.

We’ve gathered and analyzed quotes from major insurance companies across all ZIP codes in Washington. The table below shows the average annual renters insurance rates by ZIP code.

ZIP code	City	Average annual rate	Average monthly rate
98168	Boulevard Park	$246	$21
98939	Parker	$246	$20
98953	Buena	$246	$20
98106	Seattle	$245	$20
98188	SEATAC	$245	$20
98178	Bryn Mawr-Skyway	$245	$20
98148	Burien	$245	$20

Final thoughts: Average renters insurance in Washington

Renters insurance is a must-have for renters in Washington. It protects your belongings in the event of damage from fire, theft, vandalism or any other natural disasters.

To find the best renters insurance at an affordable rate, shop around and compare quotes from multiple insurance companies. In addition to price, consider factors like coverage options, deductibles and customer reviews.

Shivani Gite

Contributing 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.