State Farm offers Washington's best cheap renters insurance. American Family has the highest customer reputation score, and Nationwide provides the best coverage options.
Cheap Renters Insurance in Washington
Updated: October 22, 2025
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Key Takeaways
State Farm is Washington's best overall and cheapest renters insurance company, with annual rates starting at $138.
Washington renters pay an average of $17 monthly, with rates ranging from $12 to $22.
Find affordable renters insurance by determining your coverage needs, researching costs and comparing multiple quotes.
Washington Renters Insurance Quote Estimates
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Rates updated:
Oct 31, 2025
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Best Cheap Renters Insurance Companies in Washington
| State Farm | 93 | $12 | $138 |
| Allstate | 80 | $16 | $194 |
| Nationwide | 76 | $21 | $254 |
| American Family | 71 | $22 | $263 |
| CIG | 71 | $17 | $204 |
*Rates based on good credit, no claims history, $50K property damage, $100K liability coverage, $1,000 deductible and guaranteed replacement.
Compare Personalized Best Cheap Renters Insurance in Washington
Our list covers most renters, but your ideal options may differ. Use this table to filter results for your profile.
Data filtered by:
$50K Personal Property / $100K Liability
Select
Claim free for 5+ years
Yes
Good
| State Farm | 93 | $10 | $120 |
| Nationwide | 78 | $16 | $191 |
| Allstate | 72 | $16 | $191 |
| CIG | 71 | $14 | $166 |
| American Family | 62 | $20 | $244 |
Best Washington Renters Insurance Review
The section below details our top pick for affordability, customer service and coverage options for Washington renters insurance.
State Farm: Best Cheap Overall
pros
Lowest average rates
Good customer service ratings
Fully customizable coverage
cons
Lower-than-average claims satisfaction
Standard add-on coverages
COMPANY HIGHLIGHTS
State Farm ranks fourth nationwide for customer satisfaction and offers rates 46% below Washington's average, providing the state's best-value renters insurance.
State Farm's fully customizable personal property coverage starts at $1,000 with no preset limit, unlike most providers offering only predetermined options.
Average Cost of Renters Insurance in Washington
Washington renters insurance costs an average of $207 annually, $35 less than the $242 national average. These rates reflect $50K personal property coverage, $100K liability limits and a $1,000 deductible. Your rates may vary based on your profile.
Data filtered by:
$50K Personal Property / $100K Liability
Select
Claim free for 5+ years
Good
Covered
| $50K Personal Property / $100K Liability | $17 | $207 |
Average Washington Renters Insurance Cost by City
Renters insurance costs vary by city. Bellevue's average annual premium is $173, while Tacoma's is $179 for policies with $50K personal property and $100K liability coverage. Check the table for your city's average cost.
| Bellevue | $173 |
| Everett | $174 |
| Kent | $175 |
| Renton | $175 |
| Seattle | $169 |
| Spokane | $173 |
| Tacoma | $179 |
| Vancouver | $177 |
*Rates based on good credit, no claims history, $50K property damage, $100K liability coverage, $1,000 deductible and guaranteed replacement.
Washington Renters Insurance: Buyer's Guide
Finding the best and cheapest renters insurance in Washington can be challenging. This guide helps you choose coverage that fits your needs.
How to Find the Best Cheap Renters Insurance in Washington
Follow these steps to get the best coverage at the lowest price:
- 1Determine the right coverage level
Know how much coverage you need before shopping. List items you want insured and their value. Consider risks like weather damage, crime and pets that might bite.
- 2Research costs and discounts
Once you know your coverage needs, check average costs for your profile. Look for discounts when comparing companies.
- 3Compare providers
Before getting quotes, check each company's reputation, costs and coverage options to focus on the most promising choices.
- 4Consider bundling
Ask your current car insurer about combining renters and auto insurance. Bundling savings often cover most or all of your renters insurance costs.
- 5Compare multiple quotes
Collect at least five quotes with identical coverage levels. Use comparison websites, insurer sites, brokers and phone calls since prices vary by method.
- 6Compare rates annually
Insurance prices change often. Check rates each year to ensure you still get a good deal.
How Much Renters Insurance Do I Need in Washington?
Washington doesn't legally require renters insurance, but most landlords require at least $100K in liability coverage. Requirements vary based on your rental history, credit and pets. Consider your property value, weather risks, local crime rates and pet ownership when determining coverage needs.
Use our calculator below to determine your ideal personal property limits so you know how much renters insurance you need.
Personal Property Coverage Calculator
When figuring out how much renters insurance you need, experts recommend the standard $100,000 in liability insurance and enough personal property protection to cover your possessions. Use MoneyGeek's calculator to estimate the value of your possessions so you know how much personal property coverage to buy.
clothing & accessories
Clothes, shoes, bags, belts, hats, gloves, etc.
Washington Renter Risk Considerations
Here are risks specific to Washington renters and additional coverage considerations:
- Weather risks: Washington has a high risk of earthquakes, wildfires, volcanic eruptions, tsunamis and landslides in certain areas. Standard coverage may not include protection for these threats, requiring a separate purchase.
- Crime risks: Washington ranks second for property crime and 29th for identity theft and fraud nationwide. Consider add-ons and supplemental property damage coverage.
- Pet ownership: Consider pet liability coverage depending on your animal. Check whether providers include pet coverage in standard policies or offer it as an add-on.
- Property types: Standard policies may not sufficiently cover special tools, valuables, electronics or structures like pools. Look for companies offering specific add-ons for these items.
How Does Renters Insurance Coverage Work?
Renters insurance usually covers property damage, liability and loss of use related to your rental. Add-on coverages can make protection more comprehensive. Common coverage types include:
Coverage Type | Standard or Add-on | Coverage Details |
|---|---|---|
Standard | Reimburses and replaces personal property within your rental up to specified limits. Standard coverage reimburses actual cash value rather than purchase price, unless you have replacement cost coverage. | |
Standard | Covers you if someone gets injured on your property, including medical and legal costs, and is often required by landlords. | |
Additional living expenses | Standard | Covers expenses due to rental home loss, such as meals, lodging and transportation. Coverage is either a percentage of your personal property limits or a flat amount. |
Natural disasters | Add-on | Separate policies for earthquake and flood coverage available with select providers |
Parts/Equipment | Add-on | Separate policies for tools, appliances and utilities in your rental |
Scheduled property | Add-on | Insures specific valuable items up to certain amounts |
Identity theft | Add-on | Protects financially against identity theft, covering stolen funds and legal costs. May include monitoring services. |
Pet liability | Add-on | Protects against injuries caused by your pet on rental property. May be covered in standard policies. |
Modifications | Add-on | Covers non-original rental property parts, including custom additions and modifications |
Food loss | Add-on | Reimburses food lost due to covered incidents |
Best Renters Insurance in Washington: Bottom Line
State Farm, American Family and Nationwide offer Washington's best and cheapest renters insurance. Research and compare multiple companies and quotes to find your best deal.
Renters Insurance in Washington: FAQ
Here are expert answers to common Washington renters insurance questions:
What is the cheapest renters insurance company in Washington?
State Farm offers Washington's cheapest renters insurance at $138 annually or $12 monthly.
What is the best renters insurance company in Washington?
State Farm ranks as Washington's best renters insurance company with a MoneyGeek score of 93 out of 100, balancing affordability, customer satisfaction and comprehensive coverage.
How much does renters insurance cost in Washington?
The average cost of renters insurance in Washington is $207 per year or $17 per month, 14% lower than the national average. Annual premiums range from $138 to $263.
Is renters insurance required in Washington?
Washington doesn't legally require renters insurance, but your landlord may mandate it. Evaluate your needs to determine whether buying a policy makes sense. Renters insurance provides financial protection against common perils and covers liability costs from third-party injuries.
How We Found the Best Cheap Renters Insurance Companies
To identify the most affordable renters insurance options in Washington, we based our analysis on the following standard profile:
- $50K personal property coverage
- $100K liability coverage
- $1,000 deductible
- Property replacement coverage
- Good credit score
This profile was used to calculate the affordability score, which made up 60% of the total rating. We also considered company size and available add-on coverages (10%), customer satisfaction ratings from industry research (25%) and financial strength (5%) to determine the overall rankings.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- American Red Cross. "Which Natural Disasters Should You Prepare For?." Accessed May 6, 2025.
- Insurance Information Institute. "Facts + Statistics: Identity Theft and Cybercrime." Accessed May 6, 2025.
- U.S. News. "Property Crime Rate." Accessed May 6, 2025.