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Best and Cheapest Renters Insurance in Washington (2025)
Updated: February 4, 2025
Advertising & Editorial Disclosure
Why Trust MoneyGeek? We used data from the Washington Department of Insurance and Quadrant Information Services to find the best renters insurance in Washington.
Renters insurance rates in Washington reflect the best quotes as of December 2024.
31680Quotes Collected
11Cities Analyzed
20ZIP Codes
Overall Best Renters Insurance in Washington
Best Renters Insurance in Washington
Data filtered by:Results filtered by:
Select
Coverage:$20K Personal Property
| Chubb | 86 | $ 92 |
| Capital Insurance Group | 82 | $ 71 |
| Allstate | 76 | $ 99 |
| Nationwide | 74 | $ 116 |
| State Farm | 68 | $ 125 |
| American Family | 64 | $ 130 |
| Foremost Insurance | 45 | $ 149 |
Cheapest Renters Insurance in Washington
Cheapest Renters Insurance in Washington
Data filtered by:Results filtered by:
Select
Coverage:$20K Personal Property
| Capital Insurance Group | $ 71 |
| Chubb | $ 92 |
| Allstate | $ 99 |
| Nationwide | $ 116 |
| State Farm | $ 125 |
| American Family | $ 130 |
| Foremost Insurance | $ 149 |
QUALITY OVER COST
Choosing renters insurance based on quality will give peace of mind during unexpected events. The best renters insurance ensures efficient claims processing and may save you money in the long run.
Cheapest Renters Insurance by High Deductible in Washington
Cheapest High-Deductible Renters Insurance in Washington
Data filtered by:Results filtered by:
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Coverage:$20K Personal Property
Select
Deductible:$ 2,000
| Capital Insurance Group | $ 56 |
| Chubb | $ 87 |
| Nationwide | $ 97 |
| Allstate | $ 99 |
| American Family | $ 118 |
| State Farm | $ 125 |
| Foremost Insurance | $ 139 |
Best Renters Insurance for Customer Service in Washington
Best Renters Insurance For Customer Service in Washington
Data filtered by:Results filtered by:
Select
Coverage:$20K Personal Property
| Nationwide | 91 | $ 116 |
| Chubb | 89 | $ 92 |
| American Family | 83 | $ 130 |
| State Farm | 82 | $ 125 |
| Allstate | 74 | $ 99 |
| Capital Insurance Group | 61 | $ 71 |
| Foremost Insurance | 59 | $ 149 |
Best Renters Insurance for Extra Personal Property in Washington
Best Renters Insurance for Extra Personal Property Limits in Washington
| State Farm | 93 | $ 205 |
| Nationwide | 88 | $ 239 |
| American Family | 81 | $ 258 |
| Capital Insurance Group | 79 | $ 219 |
| Allstate | 79 | $ 255 |
| Chubb | 59 | $ 383 |
| Foremost Insurance | 46 | $ 377 |
Best Renters Insurance for Military Families in Washington
Best Renters Insurance for Military Families in Washington
Data filtered by:Results filtered by:
Select
Coverage:$20K Personal Property
| USAA | 100 | $ 184 |
| Chubb | 86 | $ 92 |
| Capital Insurance Group | 82 | $ 71 |
| Allstate | 76 | $ 99 |
| Nationwide | 74 | $ 116 |
| State Farm | 68 | $ 125 |
| American Family | 64 | $ 130 |
| Foremost Insurance | 45 | $ 149 |
Best Renters Insurance for Bad Credit in Washington
Best Renters Insurance for Bad Credit in Washington
Data filtered by:Results filtered by:
Select
Coverage:$20K Personal Property
Select
Credit Score:Poor
| Chubb | 90 | $ 92 |
| Capital Insurance Group | 82 | $ 71 |
| Allstate | 81 | $ 99 |
| State Farm | 79 | $ 125 |
| American Family | 77 | $ 130 |
| Foremost Insurance | 61 | $ 149 |
| Nationwide | 58 | $ 210 |
Average Cost of Renters Insurance in Washington
Renters Insurance Calculator
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Rates updated:
Feb 21, 2025
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Average Cost of Renters Insurance by City in Washington
| Bellevue | $ 111 |
| Everett | $ 112 |
| Kent | $ 112 |
| Renton | $ 112 |
| Seattle | $ 110 |
| Spokane | $ 111 |
| Tacoma | $ 115 |
| Vancouver | $ 113 |
COMPARE QUOTES TO SAVE
Renters in Washington can save money on renters insurance by comparing quotes from various providers. For $20K in personal property and a $1,000 deductible, Capital Insurance Group offers the lowest annual premium at $71, while Foremost Insurance is the most expensive at $149. Renters can save $78 annually or $6.5 monthly by shopping around.
What Factors Impact Renters Insurance Costs in Washington?
How Much Personal Property Coverage Do 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.
What Renters Insurance Typically Covers in Washington
What Renters Insurance Typically Doesn't Cover
FAQ: Renters Insurance in Washington
What is the cheapest renters insurance company in Washington?
Capital Insurance Group is the cheapest renters insurance company in Washington, with an annual premium of $71 or about $6 per month.
What is the best renters insurance company in Washington?
Chubb is the best renters insurance company in Washington, with the highest MoneyGeek score of 86 out of 100.
How much does renters insurance cost in Washington?
The average annual cost of renters insurance in Washington is $112 or about $9 per month. Premiums range from $71 to $149 per year, depending on the provider.
Is renters insurance required in Washington?
Renters insurance isn't legally mandated in Washington, but your landlord may require it. Evaluating your needs and circumstances can help determine whether buying a policy is right for you. Some reasons to get renters insurance include financial protection against common perils and liability costs of third-party injuries.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.