State Farm tops Washington's renters insurance market with a MoneyGeek score of 4.8 out of 5. Lemonade follows closely, scoring 4.8. Chubb, PEMCO and Nationwide complete the top five.
Best Renters Insurance in Washington (2026)
Updated: March 9, 2026
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Key Takeaways: Washington Renters Insurance
State Farm tops Washington's best overall renters insurance company rankings, scoring 4.8 out of 5 from MoneyGeek.
At $105 per year on average, PEMCO offers the most affordable renters insurance premiums in the state.
Get quotes from several insurers to find the most competitive rates matching your specific coverage needs.
5 Best Renters Insurance Companies in Washington
| State Farm | 4.84 | 4 | 2 | 5 |
| Lemonade | 4.8 | 2 | 7 | 3 |
| Chubb | 4.78 | 6 | 1 | 6 |
| PEMCO Insurance | 4.72 | 1 | 8 | 7 |
| Nationwide | 4.6 | 5 | 6 | 9 |
*Our ratings consider different combinations of coverage levels and renter details to identify the best overall options. Rankings may differ based on your profile.
State Farm
Top Choice for Washington Renters
MoneyGeek Rating
4.8/ 5
5/5Affordability
4.8/5Customer Experience
4.3/5Coverage
Average Annual Premium
$110Based on our methodology's base profile of a policy with $20K in personal property coverage and $100K in liability coverage with a $500 deductibleAverage Monthly Premium
$9Based on our methodology's base profile of a policy with $20K in personal property coverage and $100K in liability coverage with a $500 deductibleJ.D. Power Renters Insurance Customer Satisfaction Score
685/1,000From the J.D. Power 2025 U.S. Home Insurance Study, which examines customer satisfaction based on responses from 14,511 homeowners and renters. The average renters insurance score is 668/1,000.
Compare the Cheapest Renters Insurance Companies in Washington
PEMCO charges the cheapest renters insurance in Washington at $105 per year for $20,000 in personal property coverage, $48 below the state average of $153 annually. Lemonade costs $107 per year, while Capital costs $108 and is available statewide. All eight cheapest insurers charge below the state average, with rates from $105 to $177 per year, making the cheapest renters insurance accessible across the state.
Average Cost of Renters Insurance in Washington
Washington renters pay $153 per year on average for renters insurance, $43 below the national average cost of renters insurance of $196. This reflects coverage with $20,000 in personal property protection, $100,000 in liability limits and a $500 deductible.
Your premium varies by coverage limits, deductible choice and where you live in the state.
| WA | $153 | $-43 |
Do You Need Renters Insurance in Washington?
Many landlords require renters insurance as a lease condition, though Washington doesn't require it by law. Property managers mandate coverage to protect themselves from liability claims. Landlords require liability coverage of $100,000 or more. Review your lease agreement to determine whether coverage is required before you move in, as your landlord may require it.
HOW TO DETERMINE YOUR RENTERS INSURANCE COVERAGE NEEDS
Typical personal property coverage ranges from $20,000 to $50,000 for most renters' belongings. Go through your unit and add up replacement values for electronics, clothing, furniture and other items to calculate your personal property coverage. You'll also want to select at least $100,000 in liability coverage to protect yourself if someone gets injured in your apartment.
How to Find the Best Cheap Renters Insurance in Washington
The best home insurance comes down to comparing multiple Washington providers while weighing your budget, coverage requirements and service expectations.
- 1Compare quotes from at least three companies
Premiums differ by $50 or more across companies for identical coverage in Washington. Get quotes from both national carriers, like GEICO and State Farm, and regional providers serving Seattle and Spokane. This comparison shopping takes 15 to 20 minutes online but can save you hundreds annually. Don't settle for the first quote you receive.
- 2Check customer satisfaction ratings and reviews
Low prices aren't worth much if your insurer has poor claims handling or customer service. Research J.D. Power ratings and review customer complaints filed with the Washington State Office of the Insurance Commissioner before purchasing. Look for patterns in reviews from Tacoma and Vancouver residents. A slightly higher premium often pays off when you need to file a claim.
- 3Bundle renters and auto insurance
Insurers give 10% to 25% off when you bundle policies together in Washington. State Farm and Allstate offer some of the largest bundling discounts for residents in Bellevue and surrounding King County areas. Even if one policy costs slightly more, the combined savings usually make bundling worthwhile. Ask about multi-policy discounts when getting quotes.
- 4Ask about available discounts
Discounts are available for security features and clean claims records that many renters overlook. You can get price breaks for alarm systems, smoke detectors, deadbolt locks and staying claims-free for three to five years. Some insurers offer discounts for college students or military members. Ask your agent which specific discounts you qualify for to maximize savings.
Best Cheap Renters Insurance in Washington: Bottom Line
State Farm, Lemonade, Chubb, PEMCO and Nationwide are Washington's best renters insurance companies. Get quotes from several companies to find rates matching your needs. Try the calculator below for personalized quotes depending on your coverage, deductible and credit.
Personalized Washington Renters Insurance Rates
Get free renters insurance rate estimates for Washington based on your coverage needs. Rates reflect a profile of renters aged 21 to 64 with no prior claims.
Select Coverage Level
Select Deductible
Select Credit Score
Average Annual Premium—
Renters Insurance in Washington: FAQ
Common questions about Washington renters insurance:
Does renters insurance cover roommates in Washington?
Renters insurance covers only the policyholder and their relatives living in the unit. Your roommate needs their own policy to protect their belongings and get liability coverage. Each roommate should buy separate renters insurance with at least $20,000 in personal property coverage.
How much renters insurance do I need in Washington?
Most Washington renters need $20,000 to $50,000 in personal property coverage and $100,000 in liability protection. Add up replacement costs for your furniture, electronics, clothing and other belongings to calculate your needs. Your landlord may require specific coverage amounts, so check your lease before buying a policy.
How do I file a renters insurance claim in Washington?
Contact your insurer immediately after damage occurs or items get stolen. Document the damage with photos and videos before cleaning up. Provide a list of damaged or stolen items with purchase dates and estimated values. Your insurer will assign a claims adjuster to review your case. Most claims get processed within two to four weeks.
Does renters insurance cover hotel stays if my apartment becomes unlivable?
Renters insurance covers temporary housing costs through loss of use coverage if covered damage like fire makes your apartment unlivable. This pays for hotel rooms and restaurant meals while repairs happen. Most policies limit loss of use to 20% to 30% of your personal property coverage amount. Floods and earthquakes aren't covered.
How We Found the Best Cheap Renters Insurance Companies in Washington
We analyzed Washington renters insurance companies to identify insurers with low rates and reliable service.
We collected quotes for renters aged 26 to 64 with good credit and no claims history. The profile included $20,000 in personal property coverage, $100,000 in liability protection and a $500 deductible.
Affordability determined 50% of each company's score. Customer satisfaction from industry research made up 40%. Add-on coverage options contributed 10%. Companies with the highest combined scores across all factors made our list of Washington's best renters insurance providers.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.