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 $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 cost of renters insurance is $19 per month. However, the exact premiums may vary based on factors like your location, the value of your belongings, and the amount of coverage you choose. It’s always a good idea to compare quotes from multiple insurers to ensure you get 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

Renters in Washington can find the most budget-friendly insurance with Nationwide, which has an average annual cost of $138, according to our data. Other affordable options include PEMCO and State Farm.

It’s a good idea to gather quotes from at least three insurance providers, as each company calculates premiums differently.

Below are the average annual and monthly renters insurance rates from various insurers in 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 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 vary from one city to another. But with Insure.com, finding the right renters insurance policy is easy. Learn more about renters insurance costs for different cities below.

Renters insurance rates in Washington by city

Average cost of renters insurance in Washington by ZIP code

In Washington, the cost of renters insurance can vary significantly across ZIP codes. Here, we’ll show you the ZIP codes where renters insurance is most affordable and where it costs the most.

Most affordable ZIP codes for renters insurance in Washington

How much Washington renters pay for insurance depends on the ZIP code they live in. 99341 is the most affordable ZIP code for renters insurance in Washington among all the ZIP codes analyzed, at $203 a year on average.

Rates vary by ZIP code, so comparing quotes is one of the easiest ways to get the best deal on renters insurance in Washington.

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

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 $246 a year or $21 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	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.

How much is renters insurance in other states

Alaska$257/Year

Alabama$324/Year

Arkansas$363/Year

Arizona$260/Year

California$271/Year

Colorado$191/Year

Connecticut$292/Year

Delaware$181/Year

Florida$248/Year

Georgia$352/Year

Hawaii$247/Year

Iowa$203/Year

Idaho$184/Year

Illinois$246/Year

Indiana$269/Year

Kansas$251/Year

Kentucky$207/Year

Louisiana$504/Year

Massachusetts$262/Year

Maryland$256/Year

Maine$198/Year

Michigan$340/Year

Minnesota$211/Year

Missouri$231/Year

Mississippi$387/Year

Montana$275/Year

North Carolina$366/Year

North Dakota$192/Year

Nebraska$295/Year

New Hampshire$173/Year

New Jersey$207/Year

New Mexico$201/Year

Nevada$246/Year

New York$293/Year

Ohio$252/Year

Oklahoma$281/Year

Oregon$288/Year

Pennsylvania$274/Year

Rhode Island$476/Year

South Carolina$294/Year

South Dakota$202/Year

Tennessee$290/Year

Texas$226/Year

Utah$204/Year

Virginia$235/Year

Vermont$182/Year

Wisconsin$167/Year

West Virginia$248/Year

Wyoming$136/Year

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.