Renters Insurance Cost in Washington (2026 Average)
Washington renters paid about $134 a year on average in the NAIC 2021 baseline, about $36 less than the $170 US average. The state average is a useful baseline, but your quote will depend on your city, coverage limits, deductible, and claims history.
What drives Washington renters insurance costs
Washington renters paid about $134 a year on average in the NAIC 2021 baseline, about $36 less than the $170 US average.
Weather exposure is a major driver here: wildfire season, winter storms, and coastal weather shape claims.
Claim frequency and litigation also matter: claim frequency is low.
Replacement costs and carrier competition round out the picture: replacement costs in the Seattle metro run above the state norm, and many carriers compete, keeping the average below the national figure.
How Washington compares
| Location | Average annual premium | vs US average ($170) |
|---|---|---|
| Washington | $134 | −$36 |
| United States (national average) | $170 | baseline |
| Oregon | $119 | −$51 |
| Idaho | $103 | −$67 |
| Montana | $130 | −$40 |
A minus sign means the average is below the US average. Figures are the NAIC 2021 baseline; 2026 quotes run higher after inflation.
Next steps
Estimate your own premium
State averages only get you part of the way. Your real quote depends on your address, the coverage you choose, and your claims history.