The average cost of homeowners insurance in Washington is $1,280 per year for a policy with $300,000 in dwelling coverage, according to a Policygenius analysis of 2022 premiums.
While home insurance rates in Washington are around 35% less than the national average, premiums are going up in the Evergreen State due to inflation and an influx of catastrophic wildfire damage in recent years. With insurance costs and natural disaster losses on the rise, it's more important than ever to compare homeowners insurance quotes from multiple companies to ensure you're getting the right amount home insurance coverage at the best possible price.
Best home insurance companies in Washington
According to Policygenius' analysis of the best homeowners insurance companies in Washington state, we found Allstate offered the cheapest and best insurance coverage for most Evergreen State homeowners.
USAA had the highest rating in our analysis thanks to its combination of low rates, excellent customer service and financial strength ratings, and comprehensive policy options. However, keep in mind that USAA is only available to currently enlisted members of the military, veterans, and their families.
Company | Best for... | Average monthly cost | Policygenius rating |
---|---|---|---|
Overall | $45 | 4.8 out of 5 | |
First-time homeowners | $227 | 4.5 out of 5 | |
Replacement cost coverage | $89 | 4.1 out of 5 | |
High-risk homes | $65 | N/A | |
Military veterans | $77 | 4.9 out of 5 |
Best overall: Allstate
Why Allstate is the best overall company
Washington homeowners not only enjoy generous bundling discounts if they insure their home and their car through Allstate, they also have the option of several high quality policy add-ons to personalize their policy to their liking.
How to get a quote
Online through Policygenius or Allstate
Best for first-time homeowners: State Farm
Why State Farm is the best company for first-time homeowners
State Farm is one of the top companies in the industry when it comes to customer satisfaction ratings with J.D. Power, which takes into consideration policy offerings, price, customer interaction, claims, and the billing process.
How to get a quote
Online through State Farm
Best for replacement cost coverage: Farmers
Why Farmers is the best company for replacement cost coverage
Washington teachers, nurses, and first responders have the opportunity to save on homeowners insurance with Farmers. In addition to savings, Farmers gives Washington residents the option of rebuilding their home with green materials after a covered loss.
How to get a quote
Online through Policygenius or Farmers
Best for high-risk homes: PEMCO Insurance
Why PEMCO Insurance is the best company for high-risk homes
While Washington isn’t traditionally a state that is considered a high risk for wildfires, 2021 showed that wildfires can still be a threat in the Pacific Northwest. So PEMCO’s recent partnership with Wildfire Defense Systems (WDS) should come as a relief to Washington homeowners. Under this new partnership, the WDS team provides free consultation and preventative maintenance to at-risk homes during an active wildfire — providing your home and belongings with an added layer of protection.
How to get a quote
By calling PEMCO Insurance
Best for military veterans: USAA
Why USAA is the best company for military veterans
USAA has excellent coverage options, great customer service ratings, and several available discounts for Washington residents who are affiliated with the military. If you are interested in more than just basic coverage options, USAA offers plenty of ways to personalize your policy to suit your coverage needs.
How to get a quote
Online through USAA
How much is homeowners insurance in Washington state?
The average cost of homeowners insurance in Washington is $1,216 per year, or roughly $101 a month, for a policy with $300,000 in dwelling coverage.
Home insurance costs in Washington will vary depending on factors like your home's age, construction style, claims history, and where you live. Insurance companies in Washington are not allowed to consider credit score when determining insurance rates.
Washington homeowners insurance rates by city
Based on our analysis of average premiums in Washington's 20 largest cities, we found that Bellingham has the most affordable home insurance costs, while Yakima's rates are far and away the most expensive.
City | Average monthly cost | Average annual cost | Difference from state average (%) |
---|---|---|---|
Auburn | $107 | $1,288 | 6% |
Bellevue | $99 | $1,184 | -3% |
Bellingham | $97 | $1,165 | -4% |
Everett | $107 | $1,289 | 6% |
Federal Way | $106 | $1,271 | 5% |
Kennewick | $115 | $1,376 | 13% |
Kent | $106 | $1,268 | 4% |
Kirkland | $100 | $1,200 | -1% |
Marysville | $107 | $1,280 | 5% |
Pasco | $111 | $1,337 | 10% |
Redmond | $100 | $1,198 | -1% |
Renton | $104 | $1,251 | 3% |
Sammamish | $99 | $1,186 | -3% |
Seattle | $100 | $1,195 | -2% |
South Hill | $109 | $1,304 | 7% |
Spokane | $103 | $1,232 | 1% |
Spokane Valley | $103 | $1,232 | 1% |
Tacoma | $111 | $1,329 | 9% |
Vancouver | $100 | $1,203 | -1% |
Yakima | $121 | $1,457 | 20% |
Washington homeowners insurance rates by coverage amount
The table below highlights the average annual premium in Connecticut for five different levels of dwelling coverage, which is the part of your policy that covers structural damage to your home.
Generally speaking, more dwelling coverage means higher homeowners insurance rates, as shown in the table below.
Dwelling coverage level | Average annual cost |
---|---|
$100,000 | $655 |
$200,000 | $961 |
$300,000 | $1,280 |
$400,000 | $1,648 |
$500,000 | $2,011 |
Washington homeowners insurance rates by deductible amount
A deductible is the amount that you will need to pay toward a loss when you file a claim. That means if you file a claim for $5,000 and you have a $1,000 deductible, you’ll have to pay $1,000 before your insurer reimburses you for the remaining $4,000.
A lower deductible typically means higher premiums, so many homeowners looking to save money opt for a higher one. This is a good way to save, but there is a risk in doing this. You’ll want to make sure your deductible is set to an amount you can afford to pay out of pocket in the event of a loss.
Deductible level | Average annual cost |
---|---|
$500 | $1,400 |
$2,000 | $1,310 |
$2,500 | $1,018 |
The cheapest homeowners insurance companies in Washington
Based on our analysis of home insurance quotes in every Washington ZIP code, we found that Allstate, Mutual of Enumclaw, and PEMCO have the cheapest average home insurance rates in Washington, with average premiums of $538, $677, and $781, respectively.
In addition to these insurers, five other companies have average home insurance rates below the Washington average of $1,216 per year, including Grange, USAA, and Farmers.
Company | Average annual cost |
---|---|
Allstate | $538 |
Mutual of Enumclaw | $677 |
PEMCO Insurance | $781 |
Grange Insurance | $786 |
California Casualty | $908 |
USAA | $923 |
Farmers | $1,072 |
Nationwide | $1,079 |
Auto-Owners Insurance | $1,228 |
Chubb | $1,317 |
Pure Insurance | $1,497 |
Country Financial | $1,841 |
Oregon Mutual | $2,537 |
State Farm | $2,723 |
Cheapest home insurance in Washington if you have an older home
Older homes can be costly to insure, as they're more prone to structural damage than a newer build, and they're often constructed with materials and features that are more expensive to replace.
With an average annual premium of $650, Allstate offers the cheapest home insurance rates for a home over 100 years old, while Oregon Mutual is the most expensive.
Company | Average annual cost | Difference from base rate (%) |
---|---|---|
Allstate | $650 | 71% |
PEMCO Insurance | $681 | 127% |
Mutual of Enumclaw | $726 | 80% |
California Casualty | $855 | 65% |
Chubb | $964 | 7% |
Auto-Owners Insurance | $1,026 | 61% |
USAA | $1,049 | 78% |
Grange Insurance | $1,142 | 42% |
Nationwide | $1,174 | 142% |
Farmers | $1,278 | 68% |
State Farm | $1,412 | 60% |
Pure Insurance | $1,455 | 10% |
Country Financial | $1,943 | 66% |
Oregon Mutual | $2,416 | 80% |
Cheapest home insurance in Washington if you have a history of claims
Claims history is one of the biggest factors insurers use to determine home insurance premiums. If you have multiple claims on your record, you'll typically pay more for home insurance, as insurers will consider you more likely to file future claims than a homeowner with a spotless claims history.
With an average annual premium of $1,093, Mutual of Enumclaw offers the cheapest home insurance rates in Washington for a homeowner that's filed three claims within a five-year period, while Oregon Mutual is the most expensive.
Company | Average annual cost | Difference from base rate (%) |
---|---|---|
Mutual of Enumclaw | $1,093 | 53% |
PEMCO Insurance | $1,123 | 57% |
Grange Insurance | $1,133 | 0% |
Allstate | $1,295 | 121% |
USAA | $1,431 | 3% |
California Casualty | $1,454 | 72% |
State Farm | $1,483 | 5% |
Auto-Owners Insurance | $1,630 | 51% |
Farmers | $1,651 | 30% |
Nationwide | $2,083 | 95% |
Pure Insurance | $2,104 | 45% |
Chubb | $2,258 | 88% |
Country Financial | $3,053 | 58% |
Oregon Mutual | $5,109 | 122% |
Cheapest home insurance in Washington for bundling discounts
Most home insurance providers sell other types of insurance, too — such as auto, renters, and boat insurance — and often offer generous multi-policy discounts and perks if you use them for all of your insurance needs.
With an average premium of $443 per year, Allstate offers the cheapest home insurance rates on policy bundles.
Company | Average annual cost | Difference from base rate (%) |
---|---|---|
Allstate | $443 | -24% |
PEMCO Insurance | $537 | -25% |
Mutual of Enumclaw | $591 | -17% |
California Casualty | $679 | -20% |
Nationwide | $876 | -18% |
Auto-Owners Insurance | $978 | -10% |
Farmers | $985 | -23% |
State Farm | $993 | -30% |
Grange Insurance | $1,000 | -12% |
Chubb | $1,088 | -9% |
USAA | $1,221 | -13% |
Farmers | $1,228 | -5% |
Pure Insurance | $1,386 | -5% |
Country Financial | $1,465 | -25% |
Oregon Mutual | $2,039 | -12% |
How to buy homeowners insurance in Washington
Finding the right homeowners insurance is more than just searching for the cheapest rates and choosing the first policy you find. You want to make sure the policy you select has the right coverage amounts and covers the specific needs of your home and area.
Here are a few steps to follow as you shop for homeowners insurance in Washington.