Who Has The Cheapest Renters Insurance Quotes in Washington?

About 60% of Washington’s residents live in Seattle and the surrounding metropolitan area and a lot of them are renters. To see who has the most expensive and cheapest renters insurance rates, we evaluated quotes for a sample property across the state. The results showed the most expensive renters insurance rates were 33% higher than the cheapest. Since we used one sample property (a rental property with roughly 1,000 square feet of living space and $100,000 in liability coverage), costs are informational; not all renters in Washington will see the same rates. Enter your zip code for a list of companies to start shopping for renters insurance quotes.

Cheapest Renters Insurance in Washington

Our study examined renters insurance from five major companies in Washington. We analyzed quotes from State Farm, Allstate, Nationwide, Farmers, and Liberty Mutual to find the renters insurance policy for a 1,000 square-foot residence. According to the sample renters policy, State Farm had the cheapest renters insurance at an annual rate of about $175, which is 30% lower than the average for the state. Liberty Mutual had the most expensive annual rate among the renters insurance providers at $500. Here are the annual rates for the five companies, ranked from cheapest to most expensive:

RankCheapest Renters Insurance CompanyAverage Annual Rates
1 State Farm $175
2 Allstate 179
3 Nationwide 195
4 Farmers 205
5 Liberty Mutual 500
Average 251

These rates were for a sample property. We recommend that you get quotes from multiple insurance companies to compare and find the best rate for yourself.

Best Renters Insurance Rates in Washington: By City

Our study found that the five cities and towns with the best renters insurance in Washington are located in two general areas. They are either near Seattle or in the the southeast corner of the state. The place with the best renters insurance rates was Poulsbo, where premiums were 9.6% lower than the state average.

RankCityAverage Annual Rate*% Difference vs State Average
1 Poulsbo $227 -9.6%
2 Kennewick 235 -6.4%
3 Walla Walla 235 -6.4%
4 Bremerton 235 -6.3%
5 Port Orchard 235 -6.3%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Poulsbo, WA

The city with the cheapest renters insurance in the state of Washington is Poulsbo. Known as the Viking City, Poulsbo has 9,200 residents on Liberty Bay in Kitsap County. It was originally settled by Norwegians and many residents retained Norwegian as a primary language until a naval base brought more residents during World War II. After that, English became the primary language spoken in the area. Renters insurance premiums in Poulsbo are 9.6% lower than the state average. 

Kennewick, WA

Kennewick is a city along the Columbia River in the southeast corner of Washington. More than 76,000 residents enjoy numerous parks as well as a large wine region, golf courses, fishing and hiking. An annual national bass fishing tournament occurs at the Columbia River and the region also is known to be a good place for sport hunting. Kennewick also has some of the best renters insurance rates in Washington, with costs 6.4% lower than the state average.

Walla Walla, WA

Originally known as Steptoeville, Walla Walla was named after Colonel Edward Steptoe, who served in the U.S. Army during the Mexican-American War. Today, Walla Walla is a city with more than 31,000 residents and has some of the most acclaimed wineries in the U.S. It also ranks with the third most affordable renters insurance quotes in Washington. Costs for our sample property are 6.4% lower than the state average. 

Bremerton, WA

Bremerton, Washington is only a one-hour ferry ride from Seattle. The city is home to the Puget Sound Naval Shipyard and the Bremerton Annex of Naval Base Kitsap, but has many other attractions including hotels, fine dining, shops and cafes near the marina. Renters insurance rates in Bremerton are 6.3% lower than the state mean, placing Bremerton with the fourth lowest insurance for renters in Washington. 

Port Orchard, WA

Port Orchard is a waterfront community in the Sinclair Inlet of the Puget Sound - about 13 miles west of Seattle. The state capital is close enough that it’s accessible by ferry. The city has several marinas and a downtown with shopping, museums, entertainment, galleries and restaurants. At 6.3% less expensive versus the state average, Port Orchard was tied amongst several other municipalities for having the fifth best renters insurance quotes in WA. 

Most Expensive Renters Insurance in Washington

The five places with the most expensive renters insurance premiums in our study are primarily located in the western third of the state of Washington. The only exception was Prosser, which happened to be the most expensive. Renters insurance rates in Prosser were 19.7% higher than the state average.

RankCityAverage Annual Rate*% Difference vs State Average
1 Prosser $301 19.7%
2 Forks 297 18.2%
3 Longview 296 18.0%
4 Aberdeen 294 17.1%
5 Vaughn 272 8.4%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

Prosser, WA

Prosser, Washington is a city of fewer than 6,000 residents and hosts a number of festivals each year, including one for hot air balloons. The festival is very popular and many gather to watch the balloons launch from the Prosser airport just after dawn. The local economy consists primarily of agriculture. Unfortunately for residents, it also had the highest renters insurance quotes in the state according to our research. Premiums for renters insurance are 19.7% higher in Prosser than the state average. 

Forks, WA

Forks is at the heart of the Olympic Peninsula, between the Olympic mountains and the Pacific Ocean beaches. It is the only city in the contiguous U.S. with a true oceanic climate, because of its vicinity to the Pacific Ocean, but it also has alpine meadows and rain forest valleys. The lumber industry has always driven the local economy but tourism has spurred the local economy because of the wildly popular Twilight book series and films that are set in the city. Renters insurance rates in Forks are 18.2% higher than the state average for our sample unit. 

Longview, WA

The earliest settlers came to Longview during the early 1850s, and it was primarily farmland until 1918, when lumber baron Robert A. Long moved operations here. Today, the city has more than 36,000 residents and a long list of Nationally Registered historic places. Its location in a small gorge contributes to a cooler climate than nearby cities, such as Portland. Based on our data, renters insurance premiums in Longview are 18% higher than the benchmark in the state. 

Aberdeen, WA

Aberdeen was named after a local salmon cannery, which was a namesake of Aberdeen, Scotland. Around 1900, the murder rate of Aberdeen became so high that it became known as the "Port of Missing Men". Since then, the city has changed substantially. Most of the area's saw mills closed before the 1980s. Fun fact for ship fans: Aberdeen is home to Lady Washington, a replica of a 18th-century trade vessel. Quotes for the study sample property were 17.1% higher than the state average. 

Vaughn, WA

Vaughn is an unincorporated community in the state of Washington. It is located on the Key Peninsula in Vaughn Bay and has a mediterranean climate. The sample rental property we studied here saw premiums that were 8.4% higher than the state average.

Average Cost of Renters Insurance in Washington: by City

We obtained the average renters insurance rates in Washington by gathering and analyzing quotes from five major carriers across 80 cities in the state for a sample rental. Our analysis showed that premiums from the most expensive place were 33% higher than the cheapest place in the state. As a reference point, the most expensive city in Delaware is only 7% more expensive that the cheapest, while the difference in the state of Texas is 74%. 

Study Methodology

Our study examined renters insurance quotes for a 1,000-square-foot residence with at least $25,000 in personal property coverage and $100,000 in liability coverage. We then collected quotes for that sample residence across 80 cities and towns from five of the major carriers that offer a renters insurance product in the state of Washington. We averaged rates for the sample home in each city as a benchmark to show which cities are relatively cheaper or more expensive. Those comparative values are not indicative of what tenants can expect to pay for an annual renters insurance premium.

RankCityAverage Annual Rate% Difference vs State Average
77 Aberdeen $294 17.1%
49 Anacortes 250 -0.5%
37 Arlington 247 -1.5%
61 Bainbridge Island 259 3.2%
15 Battle Ground 237 -5.6%
40 Bellevue 247 -1.4%
18 Bellingham 239 -4.9%
21 Blaine 240 -4.5%
44 Bonney Lake 248 -1.3%
4 Bremerton 235 -6.3%
50 Camas 250 -0.3%
72 Cashmere 270 7.4%
54 Centralia 252 0.4%
65 Chelan 260 3.7%
58 Cheney 258 2.9%
74 Cle Elum 270 7.6%
22 Colville 241 -4.0%
67 Concrete 262 4.3%
46 Coupeville 249 -1.0%
24 Deer Park 243 -3.2%
69 Eastsound 264 5.3%
6 Edmonds 235 -6.3%
32 Ellensburg 247 -1.7%
60 Enumclaw 258 3.0%
11 Everett 236 -5.9%
45 Federal Way 248 -1.2%
79 Forks 297 18.2%
70 Friday Harbor 264 5.3%
33 Gig Harbor 247 -1.7%
57 Grandview 258 2.6%
39 Issaquah 247 -1.4%
2 Kennewick 235 -6.4%
16 Lake Stevens 237 -5.5%
51 Langley 251 -0.2%
35 Leavenworth 247 -1.6%
25 Liberty Lake 243 -3.1%
75 Long Beach 271 8.0%
78 Longview 296 18.0%
52 Lynden 251 -0.2%
12 Marysville 236 -5.9%
43 Mercer Island 248 -1.3%
7 Monroe 235 -6.3%
42 Montesano 248 -1.3%
26 Moses Lake 244 -2.7%
48 Mount Vernon 250 -0.6%
14 Mukilteo 236 -5.8%
63 Newport 260 3.5%
20 Oak Harbor 240 -4.5%
13 Olympia 236 -5.9%
31 Omak 247 -1.7%
62 Oroville 259 3.2%
27 Othello 246 -2.2%
34 Pasco 247 -1.6%
10 Port Angeles 235 -6.2%
5 Port Orchard 235 -6.3%
28 Port Townsend 246 -2.1%
1 Poulsbo 227 -9.6%
80 Prosser 301 19.7%
29 Pullman 246 -1.8%
30 Puyallup 247 -1.7%
68 Raymond 262 4.5%
41 Renton 248 -1.4%
23 Seattle 243 -3.3%
8 Sequim 235 -6.3%
9 Silverdale 235 -6.3%
47 Snoqualmie 249 -0.9%
19 Spokane 239 -4.6%
66 Stanwood 261 4.1%
56 Sunnyside 255 1.4%
55 Tacoma 252 0.4%
17 Vancouver 239 -5.0%
59 Vashon 258 2.9%
76 Vaughn 272 8.4%
73 Waitsburg 270 7.6%
3 Walla Walla 235 -6.4%
36 Wenatchee 247 -1.6%
71 White Salmon 266 6.0%
38 Woodinville 247 -1.4%
53 Yakima 252 0.2%
64 Yelm 260 3.6%

*The Average Annual Rate is rounded to the nearest whole dollar amount.

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