Best Renters Insurance in Washington State (2025)
Best cheap renters insurance in Washington
Cheapest renters insurance in Washington State
State Farm is second at $9 a month, and Amica is next at $12 a month.
| Company | Monthly rate | Annual rate | |
|---|---|---|---|
 | Lemonade | $7 | $84 |
 | State Farm | $9 | $108 |
 | Amica | $12 | $144 |
 | Allstate | $14 | $168 |
 | Progressive | $17 | $204 |
 | Assurant | $18 | $216 |
 | Farmers | $20 | $240 |
Keep in mind these are average rates that are based on a typical renter. You may pay more or less than these amounts because of several factors, like where you live in the state and how much coverage you want.
This is why it’s so important to compare renters insurance quotes from a number of companies before you buy or renew a policy.
Best renters insurance companies in Washington State
State Farm is a good choice, too, as it comes in second to Lemonade in all of these same areas. Progressive is the state’s best company for renters insurance discounts, while Assurant has many optional coverages.
Best company: Lemonade
Not only does Lemonade offer the cheapest renters insurance in Washington State, but it also has the state’s best customer satisfaction score from J.D. Power.
Pros
Cheapest average rates in the state
Great customer satisfaction score
Many optional coverages
Cons
Few discounts
Second best: State Farm
State Farm’s renters insurance rates are nearly as cheap as Lemonade’s. It also offers nearly as many optional coverages, and its customer satisfaction score is almost as good.
Pros
Low average rate
Several add-on coverages
Good customer satisfaction score
Cons
Not many discount options
Great add-on coverages: Assurant
Renters in Washington State who want to customize their renters insurance policy should get a quote from Assurant. Some of Assurant’s add-on options cover:
- Pet damage
- Damage from a backed-up sewer or drain
- Rent protection if you lose your job
- Identity theft expenses
Assurant renters insurance policies also come with some nice standard coverages, depending on where you live.
Pros
Many add-on coverages
Cons
Among the highest rates in the state
Few discount options
Best discounts: Progressive
Progressive offers more renters insurance discounts than any other company we surveyed in Washington State. You may get a discount from Progressive if you:
- Bundle auto and renters insurance policies
- Get a quote at least three days before your policy starts
- Sign up to receive documents through email
- Live in a secured or gated community
Pros
Several discounts
Cons
Rates are higher than state average
Customer satisfaction score is worse than average
Is renters insurance required in Washington State?
Landlords usually require renters insurance to protect themselves from tenants who damage the building or their unit. It also protects landlords against liability claims and needing to cover relocation costs if the property becomes unlivable for various reasons.
It’s a good idea to buy renters insurance even if your landlord doesn’t require it because.
- It covers your belongings — like clothing, electronics and furniture — from damage or destruction. Your landlord’s insurance won’t cover this.
- It also protects you from liability claims, such as if you cause damage to the building or if someone is injured while visiting you.
How much is renters insurance in Washington State?
Companies look at several factors when coming up with your renters insurance quote, including:
- Where you live
- Types and amounts of coverage you buy
- Deductible you choose
- Value of your possessions
One company may weigh these factors differently than another. This is why renters insurance quotes can differ from company to company. To get the best renters insurance rate for the coverage you want, compare quotes from multiple companies while you shop around.
Frequently asked questions
The cheapest renters insurance in Washington State comes from Lemonade. It charges $7 a month, on average. State Farm has the second-cheapest average rate of $9 a month.
You should get enough renters insurance to let you replace your belongings like electronics and jewelry if they’re damaged or destroyed. You also want to get enough coverage to protect your assets if someone files a liability claim against you.
To figure out how much personal property coverage you need, make an inventory of your possessions. Include the estimated value of each item.