Renters Insurance in Washington — Average Cost 2026
Average renters insurance in Washington: $285/year ($24/month). Washington ranks #36 out of 51 states — above the national average.
Average annual
$285
Average monthly
$24
National rank
#36
of 51 states
vs national avg
+8.4%
Washington vs national average
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Renters insurance in Washington
Renters in Washington pay approximately 8% above the national average for renters insurance. At just $24/month for most renters, this is one of the most cost-effective types of insurance available. It covers personal belongings, personal liability, and additional living expenses if your rental becomes uninhabitable.
Most renters insurance policies include $100,000 in personal liability coverage — protection if a guest is injured in your apartment or if you accidentally damage a neighbor's property. Adding renters insurance to an existing auto policy typically triggers a bundling discount that can offset part of the cost.