How Much Does Renters Insurance Cost in Tacoma, WA?
Tacoma pricing is 15% above the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and Tacoma's diversified economy.See our methodology
Renters Insurance Pricing in Tacoma, WA
In Tacoma, renters insurance costs are 15% above the national average, reflecting the city's diversified-driven economy. The balanced labor market means you have decent options when shopping for quotes. Most residents with a population base of 215K find the pricing competitive relative to the local cost of living.
Local climate plays a direct role in renters insurance costs here. Heavy rainfall requires excellent moisture management for roofing and foundations.
Market-specific factors matter in Tacoma: environmental regulations may affect building materials and methods.
Tacoma has moderate permitting requirements. Depending on the scope of your renters insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Tacoma vs National Average
What Affects Renters Insurance Cost in Tacoma?
Coverage
$20K: $10-$15/mo; $50K: $20-$35/mo
Location
High-crime adds 50-100%
Deductible
$500 vs $1,000 saves $3-$8/mo
Tacoma Market Conditions
environmental regulations may affect building materials and methods
Local Climate Impact
heavy rainfall requires excellent moisture management for roofing and foundations
📐 Renters Insurance in Tacoma Cost Calculator
Get a personalized estimate based on your project details
Compare Insurance Rates
See how much you could save with free quotes from top carriers.
Top-Rated Renters Insurance Pros in Tacoma, WA
5 providersQuality Contractors
⭐ PREMIUMServing Tacoma and surrounding areas since 1999. Licensed, insured, and committed to quality workmanship at fair prices.
All-Pro HVAC Solutions
✅ VERIFIEDPatriot Contractors
Are You a Renters Insurance Professional?
Get listed on CostWhale and reach thousands of customers searching for renters insurance in Tacoma, WA.
🔍 Compare Insurance Rates
See how much you could save. Compare quotes from top insurance companies in minutes.
* CostWhale may earn a commission. This doesn't affect our pricing data or recommendations.
Tips to Save on Renters Insurance in Tacoma
- 1.Bundle with auto for 10-20% discount
- 2.Increase deductible to $1,000
- 3.Create home inventory
- 4.Actual cash value is cheaper
📈 Renters Insurance in Tacoma Cost Trends (2020–2024)
Prices have increased +21.1% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $19 | — |
| 2021 | $20 | +5.3% |
| 2022 | $21 | +5.0% |
| 2023 | $22 | +4.8% |
| 2024 | $23 | +4.5% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Renters Insurance in Tacoma
Recent Reports
Frequently Asked Questions
How much?
$15-$30/month on average.
What is covered?
Personal property, liability, additional living expenses.
Why does renters insurance cost different in Tacoma than other cities?
Tacoma's costs reflect local labor rates driven by the diversified economy, varied climate conditions that affect materials and scheduling, and moderate permitting requirements. The balanced labor market also influences competitive pricing.
Renters Insurance Cost in Nearby Cities
Popular Services in Tacoma
💰 Get Weekly Cost-Saving Tips
Join 10,000+ smart homeowners. Unsubscribe anytime.