Home Renters insurance Renters insurance cost Average renters insurance cost in Washington Average renters insurance cost in Washington Discover the average cost of renters insurance in Washington and how factors like location and coverage levels can impact your rate. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani GiteShivani GiteShivani 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.VIEW FULL PROFILE | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University.VIEW FULL PROFILESee moreSee less | Updated onApril 9, 2026 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 Washington, renters insurance rates depend on factors like your insurer, chosen coverage limits and personal circumstances. On average, renters pay $249 annually or $21 monthly for a policy with $40,000 in personal property coverage, $300,000 in liability protection, and a $1,000 deductible. 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 monthIn 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 monthDifference compared to national average$21$3 lessPowered by:Average renters insurance cost in Washington by companyRenters in Washington can find the most budget-friendly insurance with Nationwide, which has an average annual cost of $150, according to our data. Other affordable options include State Farm and PEMCO.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.CompanyAverage annual rateAverage monthly rateNationwide$150$13State Farm$150$13PEMCO$177$15Allstate$262$22American Family$276$23Farmers$316$26USAA*$308$26*USAA is only available to military community members and their families.Powered by: Renters insurance calculator in Washington Select your state Washington Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington, D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Personal property coverage Covers your personal belongings, such as your furniture, electronics, clothing, artwork, etc. Choose the amount you believe would cover all of your belongings. $40,000 $20,000 $40,000 $60,000 Liability Covers the medical expenses of people who are hurt while in your home or on your property, as well as damage you caused to others’ property. Also covers legal fees if you are sued by someone hurt in your home or on your property. Limits of $300,000 or $500,000 are recommended. $300,000 $100,000 $300,000 Deductible Choose the amount you want to pay out-of-pocket before insurance kicks in. This applies to your dwelling and personal belongings claims. $1,000 $500 $1,000 Calculate $231/year Estimated renters insurance rates in Washington $19 Monthly renters insurance cost in Washington -14% Compared to national average Get quotes Average cost of renters insurance in Washington by coverage levelOn average, Washington renters pay $249 each year for insurance for a coverage limit of $40,000 in personal property, $300,000 in liability protection and a $1,000 deductible.Reducing your personal property coverage from $40,000 to $20,000 can lower your renters insurance cost in Washington to $187 per year. This policy still includes $300,000 in liability protection and a $1,000 deductible. However, you should ensure that $20,000 is adequate coverage for your personal belongings before making this change.Below are the average annual renters insurance costs in Washington for personal property coverage of $20,000 and $40,000.Coverage levelAverage annual renters insurance rateAverage 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$26Powered by:Average cost of renters insurance in Washington by cityRenters 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 citySee rates in your cityBellevueSeattleSpokaneTacomaVancouverAverage cost of renters insurance in Washington by ZIP codeIn 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 WashingtonHow much Washington renters pay for insurance depends on the ZIP code they live in. 99324 is the most affordable ZIP code for renters insurance in Washington among all the ZIP codes analyzed, at $225 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 codeCityAverage annual rateAverage monthly rate99324College Place$225$1999335Kahlotus$225$1999341Lind$225$1999343Mesa$225$1999301Pasco$225$1999347Pomeroy$225$1999348Prescott$225$1999360Touchet$225$1999362Walla Walla$225$1999371Washtucna$225$19Powered by: Least affordable ZIP codes for renters insurance in WashingtonYour 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 codeCityAverage annual rateAverage monthly rate98168Tukwila$277$2398106Seattle$276$2398148Burien$275$2398188SEATAC$275$2398178Bryn Mawr-Skyway$274$2398092Auburn$273$2398010Black Diamond$273$2398031East Hill-Meridian$273$2398022Enumclaw$273$2398023Federal Way$273$23Powered by: Final thoughts: Average renters insurance in WashingtonRenters insurance is a must for Washington renters. It protects personal belongings from damage caused by fire, theft, vandalism and natural disasters, giving renters confidence and peace of mind.Finding the most affordable renters insurance requires shopping around and comparing quotes from multiple insurers. To make an informed choice, consider not just the price but also the coverage options, deductibles, and customer reviews.Shivani 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.How much is renters insurance in other statesAlaska$269/YearAlabama$390/YearArkansas$406/YearArizona$275/YearCalifornia$300/YearColorado$224/YearConnecticut$325/YearDelaware$207/YearFlorida$215/YearGeorgia$353/YearHawaii$252/YearIowa$216/YearIdaho$190/YearIllinois$294/YearIndiana$268/YearKansas$254/YearKentucky$209/YearLouisiana$579/YearMassachusetts$229/YearMaryland$251/YearMaine$211/YearMichigan$471/YearMinnesota$218/YearMissouri$249/YearMississippi$429/YearMontana$284/YearNorth Carolina$436/YearNorth Dakota$200/YearNebraska$314/YearNew Hampshire$160/YearNew Jersey$238/YearNew Mexico$195/YearNevada$263/YearNew York$328/YearOhio$255/YearOklahoma$299/YearOregon$295/YearPennsylvania$325/YearRhode Island$560/YearSouth Carolina$314/YearSouth Dakota$208/YearTennessee$309/YearTexas$223/YearUtah$246/YearVirginia$270/YearVermont$181/YearWisconsin$185/YearWest Virginia$244/YearWyoming$142/YearShow more states No matches are found You might find interesting Explore related topics Average homeowners insurance cost in WashingtonBest and cheapest homeowners insurance companies in WashingtonCost of Living in Washington in 2025How much does condo insurance cost in Washington in 2025? 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Most Americans don’t 1/1 Related Articles How much do claims increase home insurance premiums? By Les Masterson $400K home insurance cost calculator By Zack Sigel Highest cost of living states in the U.S. By Tonya Sisler Homeowners insurance rates by state: See how your state compares in 2026 By Alisha Ambre Average homeowners insurance cost by ZIP code in 2026 By Barry Eitel Cost of living by state By Chris Kissell On this page Average renters insurance cost in Washington per monthAverage renters insurance cost in Washington by companyAverage cost of renters insurance in Washington by coverage levelAverage cost of renters insurance in Washington by cityAverage cost of renters insurance in Washington by ZIP codeFinal thoughts: Average renters insurance in Washington ZIP Code Please enter valid ZIP See rates (844) 761-9316