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Renters insurance is an affordable type of insurance that keeps your belongings safe in the event your apartment suffers major damage. A renters policy protects your belongings in the event of smoke or fire damage, wind damage, vandalism or theft, and a variety of other events.
Unlike car insurance, renters insurance isn't governed by state legislation. That said, there are sometimes substantial differences in the price of renters insurance by state. Renters rates in states may vary depending on the value of — and total number of — renters claims submitted statewide, and depend on the value of the belongings you're insuring.Getting renters insurance in Washington is cheaper than the US average. The average annual cost of renters insurance in Washington is $138, $46 less expensive than the US average.
The best way to acquire high-quality renters insurance in Washington is to shop around and compare rates from as many companies as possible. Learn renters insurance rates in Washington via the below breakdown. Your rates may vary, depending on your coverage details and the value of your belongings.
Rates for renters insurance in Washington differ depending on which insurance company you choose. PEMCO Insruance offers the cheapest renters insurance in Washington — just $90 per year. This compares favorably to the state mean rate of $138, offering a 35% discount on average policy costs statewide.
Start looking for a renters insurance policy by reviewing the best Washington insurance companies, listed below.
| Insurance Company | Average Yearly Rate in Washington |
| PEMCO Insruance | $89.68 |
| Grange Insurance | $102.02 |
| Country | $110.00 |
| Safeco | $120.00 |
| Travelers | $125.92 |
Not all Washington cities have equal renters insurance rates. Pricing depends on city-specific variables like the number of claims filed in the immediate area, giving your ZIP code weight in deciding how much you pay.
The most affordable renters insurance in Washington is available in Pasco. A typical renters insurance term in Pasco totals just $129 per year — $9 less than the average policy in other Washington cities. The below table shows the best places to live in Washington if you’re looking for cheap renters insurance.
| City | Average Annual Renters Insurance Rate |
| Pasco | $129 |
| Spokane Valley | $131 |
| Kennewick | $133 |
| Richland | $133 |
| Spokane | $134 |
If you're trying to save on insurance, consider purchasing both your car and renters insurance policies from one company. Bundling renters and auto insurance in Washington can save you a substantial sum each month on your auto insurance bill. Purchasing bundled policies in Washington leads to average annual savings of $57.
| Avg. Annual Auto Insurance Rate (No Bundle) | Avg. Yearly Auto Insurance Rate (Bundle) | Annual Bundle Savings | Bundle Savings % |
| $1,205.48 | $1,148.45 | $57.03 | 5% |
One of the best ways to save on auto insurance is to bundle policies. Start shopping today!
Looking for renters insurance info for a particular city? Check out our breakdown of the biggest metropolitan areas in Washington.
Washington does not require tenants to carry renters insurance. It is highly recommended that tenants carry it anyhow, and some landlords can require it as part of the rental agreement.
There are a number of reputable renters insurance carriers in Washington. We suggest shopping around to find the best coverage with the most affordable rates.