Average Renters Insurance Cost in Washington

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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 $249 per year or $21 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 $249 per year or $21 per month.
Nationwide provides the least expensive renters insurance in Washington at an average rate of $150 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 $21. 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
$21	$3 less

Average renters insurance cost in Washington by company

According to our data, Nationwide provides the most affordable renters insurance in Washington, with an average annual rate of $150, followed by State Farm and PEMCO.

Getting quotes from multiple renters insurance companies in Washington is a good idea, as prices can differ significantly among insurers.

Below, you can find average annual and monthly renters insurance rates from various companies in Washington.

Company	Average annual rate	Average monthly rate
Nationwide	$150	$13
State Farm	$150	$13
PEMCO	$177	$15
Allstate	$262	$22
American Family	$276	$23
Farmers	$316	$26
USAA*	$308	$26

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

Renters insurance calculator in Washington

$231/year

Estimated renters insurance rates in Washington

$19

Monthly renters insurance cost in Washington

-14%

Compared to national average

Average cost of renters insurance in Washington by coverage level

The average annual cost of renters insurance in Washington is $249, 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 $187 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	$181	$15
$20,000 with $500 Deductible and $300,000 Liability	$198	$16
$20,000 with $1,000 Deductible and $100,000 Liability	$171	$14
$20,000 with $1,000 Deductible and $300,000 Liability	$187	$16
$40,000 with $500 Deductible and $100,000 Liability	$247	$21
$40,000 with $500 Deductible and $300,000 Liability	$265	$22
$40,000 with $1,000 Deductible and $100,000 Liability	$231	$19
$40,000 with $1,000 Deductible and $300,000 Liability	$249	$21
$60,000 with $500 Deductible and $100,000 Liability	$312	$26
$60,000 with $500 Deductible and $300,000 Liability	$330	$28
$60,000 with $1,000 Deductible and $100,000 Liability	$292	$24
$60,000 with $1,000 Deductible and $300,000 Liability	$310	$26

Average cost of renters insurance in Washington by city

Renters insurance rates can vary widely between cities. To make finding the right policy easier, we’ve broken down the costs by city. Discover how much renters insurance typically costs in different areas of Washington.

Renters insurance rates in Washington by city

See rates in your city

Average cost of renters insurance in Washington by ZIP code

Renters insurance costs in Washington vary by ZIP code. Below, we’ll cover which ZIP codes have the most affordable coverage and which areas have the highest premiums.

Most affordable ZIP codes for renters insurance in Washington

The amount Washington renters pay for insurance largely depends on their ZIP code. Among all the ZIP codes analyzed, 99324 is the state’s most affordable ZIP for renters insurance, with an average annual premium of $225.

Since rates differ by ZIP code, comparing quotes is one of the simplest ways to get the most affordable renters insurance policy in Washington.

ZIP code	City	Average annual rate	Average monthly rate
99324	College Place	$225	$19
99335	Kahlotus	$225	$19
99341	Lind	$225	$19
99343	Mesa	$225	$19
99301	Pasco	$225	$19
99347	Pomeroy	$225	$19
99348	Prescott	$225	$19
99360	Touchet	$225	$19
99362	Walla Walla	$225	$19
99371	Washtucna	$225	$19

Least affordable ZIP codes for renters insurance in Washington

Your ZIP code, among other factors, affects how much you pay for renters insurance in Washington. 98168 is the least affordable ZIP code for Washington renters at an average cost of $277 a year or $23 monthly.

We have analyzed quotes from the major insurance carriers across all the ZIP codes in Washington. Below are the average annual renters insurance costs by ZIP code.

ZIP code	City	Average annual rate	Average monthly rate
98168	Tukwila	$277	$23
98106	Seattle	$276	$23
98148	Burien	$275	$23
98188	SEATAC	$275	$23
98178	Bryn Mawr-Skyway	$274	$23
98092	Auburn	$273	$23
98010	Black Diamond	$273	$23
98031	East Hill-Meridian	$273	$23
98022	Enumclaw	$273	$23
98023	Federal Way	$273	$23

Final thoughts: Average renters insurance in Washington

Renters insurance is essential for residents of Washington. It safeguards possessions against damage from fire, theft, vandalism, and natural disasters, ensuring protection in unforeseen circumstances.

To get the best renters insurance at an affordable price, shop around and compare quotes from various insurance carriers. In addition to insurance premiums, consider factors such as coverage options, deductibles, and customer reviews to make an informed decision.

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.