Best and Cheapest Renters Insurance in Washington for 2025 (Top 10 Low-Cost Companies)

The best and cheapest renters insurance in Washington comes from USAA, Progressive, and State Farm, with rates start as low as $20/month. USAA is the top pick for military members, offering unmatched benefits and reliable service.

Progressive provides low-cost bundles that help renters save more, while State Farm stands out for dependable customer support and comprehensive policies. These companies are ideal for renters seeking budget-friendly coverage without sacrificing quality.

Company	Rank	Monthly Rates	A.M. Best	Best For	Jump to Pros/Cons
	#1	$20	A++	Military Benefits	USAA
	#2	$26	A+	Affordable Bundles	Progressive
	#3	$30	B	Reliable Service	State Farm
	#4	$31	A+	Comprehensive Coverage	Nationwide
	#5	$32	A++	Low Rates	Geico
	#6	$35	A++	Extensive Discounts	Travelers
	#7	$40	A	Flexible Policies	American Family
	#8	$41	A	Customizable Plans	Liberty Mutual
	#9	$44	A	Loyalty Rewards	Farmers
	#10	$50	A+	Bundle Savings	Allstate

Understanding your coverage options can help you find the right policy at the best price. Make sure your home is protected by entering your ZIP code into our renters insurance comparison tool today.

What You Should Know

• Find the best and cheapest renters insurance in Washington with rates from $20/month
• Compare top providers offering budget-friendly coverage with valuable policy options
• USAA is the best pick for military benefits and dependable customer service

#1 – USAA: Top Overall Pick

Pros

• Great for Military Families: USAA is perfect for military members and their families in WA.
• Low Rates: Renters insurance starts at just $20/month in Washington. Delve into our USAA review.
• Friendly Service: USAA is known for being friendly and helpful to customers in WA.

Cons

• Members Only: Coverage is only for military members and their families in WA.
• Few Local Offices: There aren’t many USAA offices in Washington, which may make it harder to get in-person help.

#2 – Progressive: Best for Affordable Bundles

Pros

• Budget Bundles: Based on our Progressive review, you can save money by bundling renters and auto insurance with Progressive in WA.
• Cheap Rates: Renters insurance starts at $26/month in Washington.
• Easy App: The app is simple to use, so managing your policy is easy in WA.

Cons

• Slow Claims: Some renters in Washington say it takes a long time to get their claims processed.
• Fewer Discounts: Progressive doesn’t offer as many discounts as other companies in WA.

#3 – State Farm: Best for Reliable Service

Pros

• Trusted Service: State Farm is known for being dependable and easy to work with in WA.
• Fair Rates: Minimum coverage starts at $30/month in Washington.
• Local Agents: There are plenty of agents across Washington who can help you.

Cons

• Price Hikes: Your rates could go up after you file a claim in Washington.
• Limited Custom Options: There are fewer options to change your coverage compared to other companies in WA.

#4 – Nationwide: Best for Comprehensive Coverage

Pros

• Full Coverage: Nationwide gives you good protection for your stuff and liability in WA.
• Good Rates: Renters insurance starts at $31/month in Washington.
• **Financial Stability: Backed by a strong A+ rating of Nationwide, so you can trust them in WA. Dive into our in-depth Nationwide review.

Cons

• Fewer Deals: There are fewer ways to save money with Nationwide in WA.
• Website Issues: Some renters in WA have trouble using Nationwide’s website.

#5 – Geico: Best for Low Rates

Pros

• Low-Cost Plans: Geico’s renters insurance starts at just $32/month in WA. (Read more: 32 Genius Ways to Save Money).
• Easy Online Service: The website is easy to use, making it easy to manage your insurance in WA.
• Trusted Brand: Geico has a good reputation and strong financial rating in WA.

Cons

• Limited Add-Ons: Geico doesn’t offer many extra coverage options in WA.
• Claims Delays: Some renters in WA say it takes a while to get their claims processed.

#6 – Travelers: Best for Extensive Discounts

Pros

• Lots of Discounts: Travelers offers many ways to save in WA, like bundling insurance. Explore our detailed Travelers review
• Affordable Plans: Renters insurance starts at $35/month in Washington.
• Strong Backing: Travelers is financially stable, so you can count on them in WA.

Cons

• Slow Claims: Some renters in Washington report that claims take too long to process.
• Few Local Offices: Travelers doesn’t have as many physical offices in Washington as other companies.

#7 – American Family: Best for Flexible Policies

Pros

• Flexible Plans: American Family lets you change your policy to fit your needs in WA. Browse our full details about American Family insurance company.
• Low Monthly Rates: Renters insurance coverage starts at $40/month in Washington.
• Rewards for Loyalty: They offer rewards to long-time customers in WA.

Cons

• Coverage Limits: American Family may not offer coverage in all parts of WA.
• Tech Issues: Some renters in WA say the online tools and app are hard to use.

#8 – Liberty Mutual: Best for Customizable Plans

Pros

• Custom Plans: Liberty Mutual lets you adjust your renters insurance to fit your needs in WA.
• Reasonable Prices: Liberty Mutual has renters insurance coverage starts at $41/month in Washington.
• Well-Known: Liberty Mutual is a trusted name with solid financial backing in WA.

Cons

• Higher Costs: Customizing your plan may make it more expensive in WA.
• Claims Delays: Some renters in Washington say it takes too long to get claims settled.

#9 – Farmers: Best for Loyalty Rewards

Pros

• Loyalty Perks: Farmers offers benefits for long-time customers in Washington.
• Good Rates: Farmers offers renters insurance starts at $44/month in Washington.
• Friendly Agents: Farmers has local agents who can help you in WA.

Cons

• Limited Deals: Farmers doesn’t have as many discounts as other companies in WA.
• Claims Times: Some renters in Washington report that claims processing can be slow.

#10 – Allstate: Best for Bundle Savings

Pros

• Bundled Deals: You can save money by bundling renters insurance with other policies in WA.
• Cheapest Rates: Renters coverage of Allstate starts at $50/month in Washington.
• Trusted Name: Backed by a strong A+ rating of Allstate, so it is a well-known and reliable insurance provider in WA. Find out more in our Allstate review.

Cons

• Rate Increases: Some renters in Washington report that their rates go up after making a claim.
• Fewer Options: Allstate doesn’t offer as many extra coverage options as other companies in WA.

Best Washington Renters Insurance Rates

Finding the best and cheapest renters insurance in Washington State depends on several factors, including the insurance provider and the coverage selected. Below are monthly renters insurance rates for minimum and full coverage from top providers in Washington State.

Insurance Company	Monthly Rates
	$50
	$40
	$44
	$32
	$41
	$31
	$26
	$30
	$35
	$20

When comparing Washington State renters insurance rates, it’s essential to consider both minimum and full coverage options. USAA offers renters insurance in Washington with minimum coverage starting at just $20/month, while Allstate's rates begin at $50/month.

Companies like Progressive, Geico, and Liberty Mutual also provide low-cost renters insurance tailored to meet diverse needs. Use the table above to compare the best renters insurance in Washington State has to offer and find a policy that fits your budget and coverage preferences.

Read more: Does renters insurance cover hotel stays?

Coverage Options in Washington Renters Insurance Policy

When searching for the cheapest renters insurance in Washington State has to offer, understanding available coverage options is essential. A standard renters insurance in WA policy typically includes:

• Personal Property Coverage: This type of coverage pays the replacement cost for the personal items you keep in your apartment should they be damaged or destroyed. The policy will usually have a list of covered losses or perils, so make sure to look this over closely (Learn more: What is Property Damage Liability Insurance?
• Liability Coverage: Liability insurance pays for medical expenses if someone is injured in your apartment.
• Loss of Use Coverage: Loss of use pays for your hotel and food expenditures when you are unable to stay in your apartment because of damages. This may also be called additional living expense coverage or temporary living expenses coverage.

For renters in Seattle and across Washington State, optional add-ons like identity theft protection and guest medical payments can enhance your policy. If you own valuable items like jewelry, musical instruments, or sports gear, consider increasing your coverage limits for added peace of mind.

Comparing renters insurance quotes in Washington from multiple providers can help you find low-cost renters insurance that fits your budget and offers the right protection. See the best renters insurance companies and rates in Seattle, for more insight.

Renters Insurance Requirements for Washington College Students

College students attending universities in Washington State should consider getting cheap renters insurance in Washington to protect their personal belongings.

Students living in dorms on campus are typically covered by their parents’ homeowners insurance policy, but this coverage usually doesn’t extend to those renting off-campus apartments. In such cases, getting renters insurance in Washington State is essential to avoid costly losses from theft, fire, or other damages.

Since many students in renters insurance in Seattle, WA markets live with roommates, it’s recommended that each student has their own policy instead of sharing. This ensures that individual belongings are adequately protected. When looking for cheap renters insurance in Seattle, compare policies that fit a student budget while providing sufficient coverage.

Understanding that renters insurance required in Washington State for off-campus housing can help students avoid financial risks while living away from home. Learn more relevant guide titled "What does renters insurance NOT cover?"

Money-Saving Tips for Renters Insurance in Washington

Saving money on renters insurance in Washington State is easy if you know where to start. Many providers offering renters insurance in Seattle give discounts for bundling multiple policies, using safety devices like smoke detectors, and staying claims-free. You can also lower the average price of renters insurance in WA by raising your deductible or paying the premium in full.

Insurance Company	Available Discount
	Multi-Policy, Autopay, Safety Devices, Claim-Free, Early Signing
	Bundle, Loyalty, Autopay, Safety Devices, Smart Home Technology
	Multi-Policy, Security System, Claims-Free, Pay-in-Full, Non-Smoker
	Multi-Policy, Smoke Alarm and Fire Extinguisher, Home Security System
	Multi-Policy, Claims-Free, Online Quote, Safety Devices
	Multi-Policy, Protective Devices, Claims-Free, Automatic Payments
	Multi-Policy, Safety and Security Devices, Quote-in-Advance, Pay-in-Full
	Multi-Policy, Home Security, Claim-Free
	Multi-Policy, Protective Devices, Claims-Free, Green Home
	Multi-Policy, Protective Devices, Claims-Free

To save on your renters insurance, consider the top ways customers say they've saved money on renters insurance. Raising your deductible can significantly lower your monthly premium. Ask your provider about available discounts, such as multi-policy or claims-free offers, to reduce costs further.

Bundling your insurance policies is another great way to unlock bigger savings. Take time to assess the value of your personal belongings to ensure you have accurate coverage without overpaying. Lastly, paying your policy in full by check can help you avoid installment fees and save even more in the long run.

To find the best renters insurance in Seattle, compare quotes from at least three companies. Look for providers that offer cheapest renters insurance in Seattle plans with features like automatic payments or early sign-up discounts. Be sure to ask about every available discount when shopping around, so you can get the best coverage at the lowest price.

Washington Renters Insurance Guide

Knowing how much is renters insurance in Washington State can help you plan your budget and avoid surprises. Many renters ask, is renters insurance required in Washington State? While it’s not legally required, most landlords ask tenants to have it. A typical renters insurance policy covers personal belongings if they’re damaged or stolen and provides liability protection if someone gets hurt at your place.

If your apartment becomes unsafe to live in due to a covered incident, renters insurance can also pay for temporary housing. To learn more, check out our practical guide for understanding renters insurance for tips on coverage, costs, and ways to save. Find the best coverage for your home by using our free comparison tool to see renters insurance rates from multiple companies.