How Much Does Renters Insurance Cost in Washington?
Washington pricing is above the national average. Updated for 2024.
Renters Insurance Pricing in Washington
In Washington, the average cost for renters insurance is $21 per month, which is 15% higher than the national average of $18. Most Washington residents pay between $12 and $40.
Washington has a higher cost of living than most states, which translates to higher labor rates and material costs. Urban areas within Washington may be even higher.
Renters insurance protects your personal belongings from theft, fire, and other covered events. It also provides liability coverage and additional living expenses if your rental becomes uninhabitable.
Washington vs National Average
What Affects Renters Insurance Cost in Washington?
Coverage
$20K personal property: $12-$20/mo. $50K: $18-$30/mo. $100K: $25-$45/mo
Location
Low-crime area: $10-$20/mo. High-crime urban: $20-$40/mo
💡 Tips to Save on Renters Insurance in Washington
- 1.Bundle with auto insurance for 10-20% discount
- 2.Raise your deductible to $1,000 to lower premiums
- 3.Most people overestimate coverage needs — inventory your belongings first
- 4.Security features (deadbolts, alarms) can earn discounts
Frequently Asked Questions
Is renters insurance worth it?
At $15-25/month, it's one of the best insurance values. A single theft or fire could cost thousands to replace your belongings.