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The average cost of renters insurance in Washington is $206 a year, according to a rate analysis by Insurance.com. 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.

KEY TAKEAWAYS
  • The average renters insurance policy in Washington costs around $206 per year or $17 a month.
  • The most expensive zip code for renters insurance in Washington is 98001 and its average annual rate for Washington renters is $224.
  • The least expensive zip code for renters insurance in Washington is 99179, its average annual cost is $189.

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 Insurance.com 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
USAA893$295
State Farm866$245
Nationwide834$167
Allstate833$214
Farmers831$231
Liberty Mutual823$427
Travelers815$204

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
$206$17

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
98001$224
98022$223
98047$222
98002$221
98003$220
98055$219
98038$218
98042$217
98014$216
98011$215

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
99179$189
99102$190
99402$191
99017$192
98814$193
98812$194
99032$195
98815$196
98602$197
98605$198

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 Insurance.com'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
Pemco$143
Nationwide$154
Allstate$157
Allied$167
Depositors Insurance$178
Safeco$178
Travelers$180
Farmers$210
State Farm$232
First Liberty$242
USAA$275
Liberty$346

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