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The average cost of renters insurance in Washington is $206 a year, according to a rate analysis by There are a lot of things to consider when looking for the best renters insurance in Washington. Price is always a consideration, but it is not the only thing you should take into account when deciding on a renters insurance company. You should compare the policies offered by different companies based on the average rate, coverage options, and customer service.

We have put together this guide to help you make the right decision. In this guide, you will find the best and cheap renters insurance companies for Washington renters. Besides, you can compare the companies based on their average rate and ratings.

Keep on reading this resource to find the best renters insurance company in Washington for your specific needs and budget.

Best renters insurance companies in Washington

When it comes to choosing the best renters insurance company in Washington, you want to make sure that you are comparing apples to apples. Our experts at have compared quotes, coverage options and J.D Power score from all the major insurers in Washington. Below is the list of best renters insurance companies in Washington:

  • USAA
  • State Farm
  • Nationwide
  • Allstate
  • Farmers

Compare best renters insurance companies in Washington

USAA tops the list of best renters insurance companies in Washington with 893 J.D. Power scores, the highest among the carriers surveyed. Its average rate for Washington residents is $295 annually--- $30 less than the national average ($326). But USAA only offers services for people in the military and their families.

Apart from USAA, you can get renters insurance policy from companies like State Farm, Nationwide, Allstate, Farmers, Liberty Mutual, and Travelers. If you want an affordable renters insurance policy, compare these insurance providers on the basis of their J.D. Power score and average rate that are mentioned in the table below.

CompanyJ.D. Power scoreAverage annual rate
State Farm866$245
Liberty Mutual823$427

How much is renters insurance in Washington

The average renters insurance policy in Washington costs around $206 per year or $17 a month. However, premiums can vary significantly depending on a number of factors, including your coverage limits, the amount of your deductible, and the type of property you're renting.

Renters insurance policies in Washington typically provide two types of coverage: personal property coverage and liability coverage. Personal property coverage helps protect your belongings in case they're damaged or stolen, while liability coverage provides protection if someone is injured, or their property is damaged as a result of an accident that occurred at your home.

Average annual premiumAverage monthly premium

10 Most expensive zip codes in Washington for renters insurance

Renters insurance is a necessary purchase for anyone who rents a home or apartment, but the cost of coverage can vary depending on the zip code. Some zip codes in Washington are more expensive than others when it comes to renters insurance premiums. The most expensive zip code for renters insurance in Washington is 98001 and its average annual rate for Washington renters is $224.

The 10 most expensive zip codes for renters insurance in the state are listed below.

ZIP codeAverage annual rate

10 Least expensive zip codes in Washington for renters insurance

The least expensive zip code for renters insurance in Washington is 99179, its average annual cost is $189. Below are the 10 least expensive zip codes in Washington for renters insurance premiums. These areas may typically have lower property values or fewer risks associated with renting, which results in lower premiums for renters insurance coverage.

ZIP codeAverage annual rate

Cheap renters insurance in Washington by carrier

When it comes to renters insurance, it’s important to shop around and compare rates to make sure you’re getting the best deal possible. Each of these carriers typically offers competitive rates for renters insurance coverage in Washington. Based on's rate analysis, Pemco is the cheapest renters insurance provider. It offers a standard renters insurance policy at an average of $143 annually.

Find below the list of cheapest renters insurance companies in Washington along with their average annual premium.

Company nameAverage annual premium
Depositors Insurance$178
State Farm$232
First Liberty$242