Best renters insurance companies in Washington

When choosing the best renters insurance company in Washington, make sure you’re comparing on more than just price. We’ve compared quotes, coverage options and J.D. Power scores from all the major insurers in Washington. Below is our list of best renters insurance companies in Washington based on that analysis, with our score out of five. Note that USAA only offers coverage to military families.

CompanyAverage rating(out of 5)
State Farm4
Allstate3.5
Nationwide3.5
USAA3.5
American Family2.5
Farmers2.5
Data updated in 2024
Read our full methodology

Compare the best renters insurance companies in Washington

Comparing quotes from multiple insurance carriers is one way to ensure you will get your money’s worth. There can be big differences in price between different renters insurance providers, so it pays to shop around. Ensure you buy from a company offering affordable renters insurance and consistent customer service.

To simplify your task, we have compared the carriers for Washington residents based on their average rates and ratings from J.D. Power. Among the carriers surveyed, State Farm is the best renters insurance company in Washington. It earned 844 out of 1000 from J.D. Power and has an average renters insurance rate of $175.

The table below offers a detailed comparison of renters insurance companies in Washington.

CompanyJ.D. Power ScoreAverage Annual PremiumAM Best Ratings
State Farm844$175A++
Nationwide852$205A+
USAA894$257A++
Allstate835$186A+
American Family856$261A
Farmers842$259A
Data updated in 2024
Read our full methodology

How much is renters insurance in Washington

Washington residents pay an average of $224 a year for renters insurance, and the average monthly cost is $19. That’s for a policy with personal property coverage of $40,000, liability coverage of $100,000, and a deductible of $1,000.

What you pay for renters insurance will not be the same as a neighbor’s price because it depends on factors specific to each person: the property you want to insure, extra coverage options you add, and the deductible amount you choose.

“The number one thing that’s most important is to get good liability. A renter’s policy will default to $100,000 liability,” Josiah Hatch, an insurance pro with Bender Hatch Insurance in Boston, said. “It costs next to nothing to go from $100,000 to $500,000. I want to say it’s probably 10 bucks a year. It’s really cheap to get a lot of extra coverage. I always recommend getting the most liability you can because that’s, at its core, what insurance is all about: the worst-case scenario.”

Average Annual PremiumAverage Monthly Premium
$224$19
Data updated in 2024
Read our full methodology

Most expensive ZIP codes in Washington for renters insurance

Several factors affect your renters insurance coverage cost in Washington, including your location and the coverage you buy. The most expensive ZIP code in Washington for renters insurance is 98168, where the average annual rate is $250 which is $26 more than the national average insurance premium.

The following table lists the most expensive ZIP codes in Washington for renters insurance.

ZIP codeAverage Annual Rate
98168$250
98118$249
98178$248
98158$247
98155$246
98146$245
98055$244
98198$243
98446$242
98051$241
Data updated in 2024
Read our full methodology

Least expensive ZIP codes in Washington for renters insurance

Renters insurance rates in Washington are cheaper in some areas. Based on a rate analysis by Insurance.com, the least expensive ZIP code for renters insurance in Washington is 99323, and its average annual rate is $205.

Below, you’ll find the least expensive ZIP codes for renters insurance, along with their average annual rates.

ZIP codeAverage Annual Rate
99323$205
99013$207
99141$208
99320$210
98610$211
98831$212
98828$213
98605$214
98613$215
99001$216
Data updated in 2024
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Compare renters insurance rates by city in Washington

Renters insurance rates vary significantly across cities, influenced by various factors, including weather patterns, crime rates, and property values. You must consider these factors and compare quotes from different insurers to get the best deal on renters insurance for your specific city in Washington.

CityAnnual insurance premium
Bellevue
$238
Everett
$227
Federal Way
$245
Kent
$245
Renton
$245
Seattle
$242
Spokane
$213
Spokane Valley
$215
Tacoma
$241
Vancouver
$225
Data updated in 2024
Read our full methodology

Cheap renters insurance in Washington by company

There are a lot of companies offering renters insurance in Washington. Among the carriers surveyed by Insurance.com, PEMCO is the cheapest renters insurance company in Washington; its average annual premium is $143.

Renters insurance prices can vary drastically between companies. That’s why it is important to compare rates and see which company offers the best deal to get coverage at an affordable price.

Below are the best cheap renters insurance companies in Washington and their average annual premiums.

Company NameAverage Annual Premium
PEMCO$143
State Farm$175
Allstate$186
Nationwide$205
USAA$257
Farmers$259
American Family$261
Data updated in 2024
Read our full methodology

Insurance.com compared renters insurance rates in 2022 provided by Quadrant Data Solutions for $40,000 personal property coverage with a $1,000 deductible and $100,000 liability coverage for all available ZIP codes based on a renter with good credit. Content was updated in 2023.

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