The Best Renters Insurance Companies in Seattle
Lemonade has the cheapest renters insurance in Seattle, at just $10 per month.
Compare Cheap Renters Insurance in Seattle
Best cheap renters insurance in Seattle, WA
To find the best cheap renters insurance in Seattle, ValuePenguin editors considered rates, coverage and customer satisfaction for seven leading companies. Quotes include $30,000 of personal property coverage, $100,000 in liability protection and a $500 deductible.
See the full methodology.
Cheapest Seattle renters insurance
Lemonade has the cheapest renters insurance in Seattle.
A policy from Lemonade costs about $10 per month, which is $8 per month less than the citywide average.
Seattle renters should also compare quotes from State Farm. It's only a few dollars more per year than Lemonade, and it has better customer service reviews. That could come in handy if you ever need to file a claim.
Compare Cheap Renters Insurance in Seattle
The average cost of renters insurance in Seattle is $18 per month, or $212 per year. That's $1 per month more than the Washington state average.
Cheapest monthly renters insurance quotes in Seattle
Company | Monthly cost | |
|---|---|---|
| Lemonade | $10 |
| State Farm | $10 |
| Amica | $14 |
| Allstate | $17 |
| Progressive | $19 |
| Assurant | $22 |
| Farmers | $32 |
Best rates for most renters in Seattle: Lemonade
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Editor's rating
- Cost: $10/mo
Lemonade has the cheapest renters insurance quotes in Seattle.
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Very affordable quotes
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Excellent online experience
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Fast digital claims
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Lots of customer complaints
Lemonade is an extremely affordable and convenient option for renters insurance in Seattle. At an average of just $10 per month, renters insurance from Lemonade is around half the citywide average.
Lemonade's website and mobile app are very easy to use. You can typically get a quote or file a simple claim in just a few minutes. Lemonade has a high score on J.D. Power's customer satisfaction survey, which is likely because of its great online experience.
The biggest drawback of choosing Lemonade is that it doesn't have offices. That means you won't have a dedicated agent to meet with. It can also be difficult to get in touch with a person over the phone. That could be one of the reasons why Lemonade gets nearly four times as many complaints as other companies its size.
Best renters insurance with earthquake coverage: State Farm
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Editor's rating
- Cost: $10/mo
State Farm offers earthquake coverage and affordable rates.
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Cheap rates
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Option to add earthquake coverage
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Local offices
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Mixed customer service reviews
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Few other coverage add-ons
State Farm is the best choice for renters who want their insurance policy to protect against earthquake damage. It's easy to add earthquake coverage to a State Farm renter's policy, and it only costs around $1.33 per month.
At $10 per month, or $123 per year, State Farm is the second-cheapest insurance company in Seattle. And it's only $5 per year more than the cheapest option, Lemonade.
Although State Farm earned a good score on J.D. Power's customer satisfaction survey, it gets 21% more customer complaints than other companies its size. That makes it difficult to predict whether State Farm will pay to replace your stuff quickly after it's damaged or destroyed.
Unfortunately, State Farm doesn't offer many additional coverage options besides earthquake insurance. For example, you can't get replacement cost coverage, which pays to replace your belongings with brand new items.
Best customer service: Amica
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Editor's rating
- Cost: $14/mo
Amica has the best customer service reviews in Seattle.
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Reliable customer service
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Lots of discounts
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Offers flood coverage
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Not the cheapest option
Amica is the best choice if smooth claims and great customer service are important to you. It's a little more expensive than other companies, but Amica customers are consistently happy with their experience.
Amica only gets one-third as many complaints as an average insurance company its size. This suggests that you can count on Amica to get your life back to normal quickly after an emergency.
Renters insurance from Amica costs about $14 per month. While that's $4 per month less than the city average, it's also $4 per month more than Lemonade and State Farm.
However, Amica also offers plenty of ways to lower your renters insurance costs, including discounts for:
- Bundling renters and auto insurance
- Making automatic payments
- Signing up to get your bills via email
- Avoiding a claim for three years or longer
- Switching to Amica after having the same insurance company for two years
In addition, Amica offers flood insurance for renters. This could be a helpful add-on if you live in the Puget Sound area, in a low-lying area or on the bottom floor of your apartment building.
Best renters insurance in Seattle
State Farm is the top-rated renters insurance company in Seattle.
That's because State Farm offers the best combination of affordable rates, reliable service and coverage add-ons.
Amica is also an excellent option for Seattle renters. It tends to have better customer service scores than State Farm but is also typically a little more expensive.
USAA also earned top marks for its service. However, it's only available to people affiliated with the military.
Top renters insurance companies in Seattle
Company | Star rating |
|---|---|
| State Farm | |
| USAA | |
| Amica | |
| Lemonade | |
| Farmers | |
| Assurant | |
| Allstate | |
| Progressive |
It's important to consider customer service reviews along with the cost of insurance when shopping for a renters policy.
You can count on a company with great reviews to have an easy claims process. That means your life will go back to normal quickly if you have an emergency. On the other hand, you might end up paying more to replace your stuff if you choose a company with a reputation for bad service.
Frequently asked questions
How much is renters insurance in Seattle?
The average cost of renters insurance in Seattle is $18 per month, or about $212 per year. That's $5 per month less than the national average.
Who has the best renters insurance in Seattle?
State Farm has the best renters insurance for most people in Seattle. At $10 per month, coverage from State Farm is extremely affordable, and it offers reliable customer service.
Methodology
To find the cheapest renters insurance in Seattle, ValuePenguin gathered quotes from seven top companies that offer coverage across the Seattle area. Renters insurance rates are for a 30-year-old single woman with no pets who lives on her own.
Rates include the following coverage limits:
- Personal property: $30,000
- Personal liability: $100,000
- Medical payments: $1,000
- Deductible: $500
To determine the best renters insurance in Seattle, our editors rated companies based on data from the National Association of Insurance Commissioners (NAIC) complaint index, J.D. Power's annual customer satisfaction survey and ValuePenguin's editor ratings.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.