Renters Insurance

The Best Cheap Renters Insurance in Washington

The Best Cheap Renters Insurance in Washington

Lemonade has the cheapest renters insurance in Washington state at around $7 per month.

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However, we don't recommend buying renters insurance based on price alone. Quality of service and coverage options are just as important. We collected renters insurance quotes from seven top companies across 25 of the largest cities in the state to find the best renters insurance in Washington.


Affordability: Finding cheap renters insurance in Washington state

Lemonade offers the cheapest renters insurance in Washington. A Lemonade policy costs about $78 per year, or $7 per month. That's half the price of a typical policy in Washington.

The average cost of renters insurance in Washington state is $13 per month, or $159 per year.

Graph comparing the average cost of renters insurance in Washington state by company

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Average renters insurance rates in Washington state can vary by up to $12 per month depending on the company. That's why it's important to compare quotes from multiple companies when shopping for renters insurance.

Monthly cost
Lemonade logo
State Farm logo
State Farm$10
Amica logo
Travelers logo
Nationwide logo
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Best renters insurance for most people: Lemonade

Lemonade provides the best overall mix of low prices and well-rated customer service.

Read our full review.

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The good:

  • Cheapest quotes in Washington
  • Dependable customer service
  • Easy-to-use online platform

The bad:

  • In-person service is not available

Lemonade offers the best insurance for most renters in Washington state. With a typical price of just $7 per month, it's the cheapest option in every city in Washington. In fact, a policy from Lemonade is 51% cheaper than the statewide average.

Washington renters can count on Lemonade to provide excellent customer service.

The company’s user-friendly online experience makes buying a policy or filing a claim quick and easy. That's one of the reasons why Lemonade earned the second-highest score on J.D. Power's annual customer satisfaction survey. It also receives fewer complaints than expected based on its size, according to the National Association of Insurance Commissioners (NAIC).

Lemonade has a relatively standard range of coverage options for its renters insurance policy. Renters can add extra protection in the form of:

  • Equipment breakdown coverage
  • Replacement cost coverage
  • Valuable items coverage
  • Water backup coverage

Best renters insurance for bundling policies: State Farm

State Farm has affordable renters insurance and acts as a one-stop-shop for all of your insurance needs.

Read our full review.

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The good:

  • Low-cost coverage
  • Lots of types of insurance available
  • Good customer service

The bad:

  • Limited coverage options

We recommend State Farm to renters in Washington who prefer buying all their insurance products from one company. In addition to renters insurance, State Farm offers auto, small business, life, health and pet insurance.

State Farm has the second-cheapest renters insurance quotes in Washington, with an average cost of $10 per month. That's 21% cheaper than average in Washington. Renters can also save money by purchasing a car insurance policy from State Farm. The company offers one of the largest discounts for bundling renters and auto insurance — around 4.7%.

Washington renters are generally happy with State Farm’s customer service. The company receives fewer complaints than competitors of a similar size, according to the NAIC. In addition, it earned a high score on J.D. Power's customer satisfaction survey.

Extra coverage options from State Farm are limited. Renters can add replacement cost coverage or extended personal liability to a basic policy.

However, it's one of the few companies in Washington that offers earthquake coverage.

Earthquakes are relatively common in Washington, and normal renters insurance does not cover damage. That means renters will have to buy extra coverage to ensure their belongings are protected against earth movement.

Best customer service: Amica

Amica has the best-rated customer service for renters in Washington state.

Read our full review.

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The good:

  • Reliable customer service
  • Affordable rates
  • Lots of discounts

The bad:

  • Not many coverage options

Renters looking for excellent customer service should consider Amica. The company receives significantly fewer complaints than other insurers of its size, according to the NAIC. ValuePenguin editors also gave Amica a high rating based on its great customer service reviews and the superior value it offers Washington renters.

Amica also offers affordable renters insurance quotes in Washington. A policy costs around $11 per month, which is $2 per month cheaper than average across the state.

In addition, Amica has lots of discounts to help renters save money on their premium, including:

  • Automatic payments discount
  • Bundling discount
  • Claims-free discount
  • Loyalty discount
  • Paperless discount

A policy from Amica includes enough coverage for most renters. The company also gives people the option to upgrade their coverage with identity theft protection, replacement cost coverage and valuable items coverage. However, it doesn't offer earthquake protection, which may be important for Washington renters living near a fault line.

Average cost of renters insurance in Washington by city

Renters in Auburn pay the most expensive insurance rates in Washington state's largest cities, while those in Lacey have the cheapest quotes.

The cost of renters insurance depends in part on where you live. The average cost of renters insurance varies by up to $3 per month across the 25 largest cities in Washington. People who live in Auburn pay around $15 per month for coverage. The same policy costs around $12 per month for renters living in Lacey.

Average annual cost
Difference from state average (%)
Federal Way$1590%
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Best insurance companies in Washington state

Washington renters can find the best-rated customer service with Amica.

Amica only receives around 12% as many complaints as expected based on its size, according to the NAIC. ValuePenguin editors also gave Amica a high score based on customer service reviews, its overall value to renters and coverage availability.

Washington renters can also get great service at USAA. However, only military members, veterans and their families are eligible to purchase a policy.

State Farm

Choosing a renters insurance company with good customer service reviews is important. It means you'll have a smooth purchase process and find the right coverage easily when shopping for insurance. More importantly, good service during the claims process means you're more likely to be paid a fair settlement quickly.

What does renters insurance in Washington cover?

Every renters insurance company should include four basic types of coverage in a standard policy:

  • Personal property coverage
  • Liability coverage
  • Additional living expenses
  • Medical payments coverage

If you're considering a renters insurance company and it doesn't offer these protections, we recommend looking elsewhere.

In addition, most renters insurance companies offer coverage add-ons that you can use to increase your protection. These add-ons cost extra, but may be worth it depending on your situation.

Some of the most useful coverage options for Washington renters are earthquake protection and flood insurance, because of the large amount of rainfall in the state.

Neither of these hazards are covered by a basic renters insurance policy.

  • Earthquake protection: Pays for damage due to earth movement and earthquake side-effects, like landslides.
  • Flood insurance: Pay for water damage due to weather-related flooding.
  • Identity theft coverage: Pays for costs associated with identity theft, like fraudulent credit card charges or identity protection.
  • Replacement cost coverage: Pays for the full cost to repair or replace a damaged item without factoring in wear and tear.
  • Valuable items coverage: Pays to repair or replace expensive items like jewelry or electronics, which may not be fully covered under a typical policy.

Frequently asked questions

How much is renters insurance in Washington state?

The average cost of renters insurance in Washington state is $159 per year, or $13 per month. Renters shopping for the cheapest coverage should consider Lemonade, where policy typically costs $78 per year.

Is renters insurance required in Washington state?

Renters insurance is not required by law in Washington state. However, your landlord or property management company can require you to buy a policy as a part of your rental agreement.

How much does renters insurance cost in Vancouver, WA?

Renters insurance in Vancouver, a suburb of Portland, OR., costs around $13 per month, which is about average in Washington. In comparison, renters living in Washington's largest city, Seattle, pay around $14 per month.


To determine the best renters insurance companies in Washington, we took three key factors into account:

  • Affordability: Does the insurer offer low prices for the same protection as its competitors?
  • Coverage options: Does the insurer offer a mix of optional coverages that are appealing and relevant?
  • Customer service: Are customers usually satisfied with the customer service they receive from their insurer?

Average rates are based on quotes collected from seven top insurance companies across the 25 most populated cities in Washington state. All quotes are for a 25-year-old man who lives alone and hasn't made any recent renters insurance claims.

Quotes are based on the following coverage limits:

Personal property coverage$30,000
Personal liability protection$100,000
Medical payments coverage$1,000

To evaluate customer service from renters insurance companies in Washington, we looked at three key metrics:

  • NAIC Complaint Index: Scores companies based on the number of complaints an insurer receives relative to its size.
  • J.D. Power rating: Scores companies based on a nationwide survey commissioned by J.D. Power asking how renters feel about their insurance companies.
  • ValuePenguin editor's rating: Scores companies based on customer service reviews, availability of optional coverages and overall value.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.