Home Home insurance 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 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. | Updated on: January 16, 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. 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 monthThe average cost of renters insurance in Washington is $19 per month. Your premium may vary depending on your location, the value of your belongings, and the coverage limits you select. It’s recommended that you compare multiple insurance quotes to find the best price.Average renters ins cost per monthDifference compared to national average$19$3 lessAverage renters insurance cost in Washington by companyNationwide 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.CompanyAverage annual rateAverage monthly rateNationwide$138$12PEMCO$155$13State Farm$171$14Allstate$225$19American Family$270$22Farmers$283$24USAA$214$18 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 $205/year Estimated renters insurance rates in Washington $17 Monthly renters insurance cost in Washington -17% Compared to national average Get quotes Average cost of renters insurance in Washington by coverage levelThe 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 $155 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 levelAverage annual renters insurance rateAverage 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$23Average cost of renters insurance in Washington by cityRenters insurance premiums can differ significantly depending on the city. To help you find the best policy for your needs, we’ve compiled a breakdown of average costs by city. Explore the typical renters insurance rates across various locations in 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 cityBellevueSeattleSpokaneTacomaVancouverAverage cost of renters insurance in Washington by ZIP codeThe 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 WashingtonIn 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 codeCityAverage annual rateAverage monthly rate99341Lind$203$1799324College Place$203$1799348Prescott$203$1799371Washtucna$203$1799360Touchet$203$1799301Pasco$203$1799343Mesa$204$1799347Pomeroy$204$1799362Garrett$204$1799335Kahlotus$204$17Least affordable ZIP codes for renters insurance in Washington98168 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 codeCityAverage annual rateAverage monthly rate98168Boulevard Park$246$2198939Parker$246$2098953Buena$246$2098106Seattle$245$2098188SEATAC$245$2098178Bryn Mawr-Skyway$245$2098148Burien$245$20Renters and auto bundle discounts in WashingtonTo lower your insurance costs, consider bundling renters and auto insurance policies from the same company.By bundling your insurance policies, you can save an average of 4% per year in Washington. PEMCO offers the best rates for combining renters and auto insurance, allowing you to save 3% on your annual premiums.CompanyAverage annual rate$ bundle average savings% bundle average savingsPEMCO$1,276$393%Geico$1,358$383%Mutual of Enumclaw$1,477$1177%State Farm$1,502$735%Nationwide$1,620$513%American Family$1,983$995%Allstate$2,185$783%Progressive$2,236$1155%Farmers$2,374$813%Final thoughts: Average renters insurance in WashingtonRenters 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.How much is renters insurance in other statesAlaska$257/YearAlabama$324/YearArkansas$363/YearArizona$260/YearCalifornia$271/YearColorado$191/YearConnecticut$292/YearWashington, D.C.$272/YearDelaware$181/YearFlorida$248/YearGeorgia$352/YearHawaii$247/YearIowa$203/YearIdaho$184/YearIllinois$246/YearIndiana$269/YearKansas$251/YearKentucky$207/YearLouisiana$504/YearMassachusetts$262/YearMaryland$256/YearMaine$198/YearMichigan$340/YearMinnesota$211/YearMissouri$231/YearMississippi$387/YearMontana$275/YearNorth Carolina$366/YearNorth Dakota$192/YearNebraska$295/YearNew Hampshire$173/YearNew Jersey$207/YearNew Mexico$201/YearNevada$246/YearNew York$293/YearOhio$252/YearOklahoma$281/YearOregon$288/YearPennsylvania$274/YearRhode Island$476/YearSouth Carolina$294/YearSouth Dakota$202/YearTennessee$290/YearTexas$226/YearUtah$204/YearVirginia$235/YearVermont$182/YearWisconsin$167/YearWest Virginia$248/YearWyoming$136/YearShow more Explore other insurance options in Washington Average homeowners insurance cost in Washington Average car insurance cost in Washington Non-owner car insurance in Washington Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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Most Americans don’t 1/1 Related Articles Renters insurance: Compare quotes in 2025 By Prachi Singh How to find a homeowners insurance policy By Shivani Gite Mobile home insurance cost and coverage in 2025 By Chris Kissell Renters insurance calculator: How much renters insurance costs by state and city in 2025 By Shivani Gite How to switch home insurance By Leslie Kasperowicz Average homeowners insurance cost by ZIP code in 2025 By Barry Eitel 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 codeRenters and auto bundle discounts in WashingtonFinal thoughts: Average renters insurance in Washington ZIP Code Please enter valid ZIP See rates