The average cost of homeowners insurance in Washington is $1,159 per year for a policy with $300,000 in dwelling coverage, according to a Policygenius analysis of 2023 premiums.
While home insurance rates in Washington are around 34% 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.
Compare the best homeowners 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 | $203 | 4.8 out of 5 | |
Coverage add-ons | $108 | 4.5 out of 5 | |
Claims service | $90 | 4.5 out of 5 | |
Cheap coverage | $49 | 4.4 out of 5 |
Methodology & why you can trust our rates
At Policygenius, our educational guides are written and fact-checked by licensed home insurance experts and reviewed by our Financial Review Council to ensure autonomy, expertise, and accuracy.
To find the best home insurance companies in Washington, we analyzed over 30,000 quotes from the 15 largest insurance companies in the state to find the average cost of homeowners insurance with each company in 2022.
When analyzing costs for different coverage levels and risk factors, we changed just one variable at a time to ensure the rates we’re comparing are fair and representative of the factor at hand.
We then looked at J.D. Power customer satisfaction scores, AM Best financial health ratings, quality of policy options, discounts, and compared that with the coverage needs of Washington residents to find the best homeowners insurance in Washington.
To get the average rate for each company in Washington, we analyzed rates provided by Quadrant Information Services in March 2022 for 616 ZIP codes in Washington for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits:
Dwelling: $300,000
Other structures: $30,000
Personal property: $150,000
Loss of use: $60,000
Liability: $300,000
Medical: $1,000
All rates based on the above coverage limits except where otherwise noted.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs — your actual quotes may differ.
Best overall home insurance in Washington: State Farm
2023 Policygenius award winner
State Farm
4.8
Bundle home & auto
Offers extended replacement cost
Offers flood insurance
Offers earthquake insurance
Wind/hail deductible
Offers wildfire insurance
Why we chose it
State Farm is the top overall home insurance company in Washington thanks to its large selection of policy options for most home types, high customer service marks, and industry-best financial stability ratings.
Pros and cons
Pros
High customer satisfaction and financial strength ratings
Top-tier coverage add-ons, including extended replacement cost coverage
Offers large discounts when you bundle your home and auto insurance
Cons
20% more complaints filed with the NAIC than other companies of its size
No discounts for first-time homebuyers
More details
Why State Farm is the best overall company in Washington
State Farm is known for its dependable customer service. And this goes for all steps of the the customer's journey — from shopping and setting up your policy to making changes to your coverage to filing a claim.
We also like State Farm's robust coverage options, including (but not limited to) extended replacement cost coverage, water backup protection, appliance coverage, and inflation guard.
Plus, while many competitors don't have the financial strength to pay out claims after several natural disasters in the same year, State Farm isn't one of them. It earns the highest rating possible from A.M. Best for financial strength and stability — only six insurance companies out of nearly 70 we reviewed hold this title.
How do State Farm home insurance rates compare to the Washington average?
The average cost of State Farm home insurance in Washington is $2,435 per year, which is more than double than the average annual premium in the state of $1,159 per year.
How to get a quote
Online through State Farm or by contacting your local State Farm agent.
Best home insurance for coverage add-ons: Farmers
2023 Policygenius award winner
Farmers
4.5
Offers extended replacement cost
Bundle home & auto
Smart home discounts
Why we chose it
Along with saving around 20% when you bundle your home and car insurance, Farmers also gives you access to its extensive suite of discounts, unique policy credits, and claim-free incentives that help put money back in your pocket.
Pros and cons
Pros
12+ discounts to save on rates
Optional extended or guaranteed replacement cost dwelling coverage
Shave $50 off your deductible each year you’re with Farmers
Cons
Below-average scores on J.D. Power’s overall customer satisfaction and digital experience surveys
More details
Why we chose Farmers
Farmers lets you add an impressive number of upgrades to a basic home insurance policy. Some of the endorsements from Farmers include guaranteed or extended replacement cost coverage, water backup protection, and a personal articles floater.
Depending on where you live, you could save up to 45% on your auto insurance and up to 34% on your home insurance when you bundle policies with Farmers, according to the company website.
Even more, Farmers has up to 16 additional discounts and money-saving policy perks. For context, Farmers competitors offer an average of around seven discounts total.
How do Farmers home insurance rates compare to the average in Washington?
The average cost of Farmers home insurance in Washington is $1,291 per year, which is 11% more expensive than the average annual premium in Washington of $1,159 per year.
How to get a quote
Online through Farmers
Best home insurance for claims service: Nationwide
2023 Policygenius award winner
Nationwide
4.5
Bundle home & auto
Mobile app
New homebuyer discount
Offers extended replacement cost
Why we chose it
Nationwide home insurance features an extensive range of comprehensive coverage and policy options. It also received high marks for claims satisfaction with J.D. Power, which means you can rely on Nationwide when it matters most.
Pros and cons
Pros
Multiple high-quality coverage options
Highly rated for claims satisfaction with J.D. Power
Cons
Below-average customer satisfaction and digital experience ratings
Won’t cover Airbnbs or other short-term rentals
More details
Why we chose Nationwide
Nationwide has received high ratings from J.D. Power for its claims satisfaction. Nationwide ranks fifth on J.D. Power's Property Claims Satisfaction Study from 2022. The company also receives far fewer complaints than other insurers, according to the National Association of Insurance Commissioners.
Nationwide is known for its robust policy options and large selection of coverage add-ons. Some of these include guaranteed and extended replacement cost coverage, better roof replacement, new belongings coverage, water backup protection, and equipment breakdown coverage.
How do Nationwide home insurance rates compare to the Washington average?
The average cost of Nationwide home insurance in Washington is $1,085 per year, which is around 6% cheaper than the annual statewide average of $1,159.
How to get a quote
Online through Policygenius or Nationwide
Best home insurance for cheap coverage: Allstate
2023 Policygenius award winner
Allstate
4.5
Bundle home & auto
Smart home discounts
Why we chose it
Whether you’re looking for basic or comprehensive home insurance coverage, Allstate is a standout option. Airbnb hosts may find a suitor in Allstate thanks to HostAdvantage — its affordable short-term rental coverage that can be easily added to any policy.
Pros and cons
Pros
Offers HostAdvantage — an excellent short-term rental coverage add-on that can be seamlessly added to any policy.
Extensive list of discounts and policy features to lower your bill and out-of-pocket costs
A+ credit rating with A.M. Best
Cons
Beginning to pull back coverage in high-risk areas
Customer experience scores with J.D. Power are below the segment average
More details
Why we chose Allstate
Allstate is a great all-around company for its robust coverage options, strong financial strength, and its often affordable coverage.
In Washington, Allstate's lower-than-average premiums, high customer satisfaction ratings, and excellent coverage options make it the top choice for homeowners in Washington. The company also offers a few discounts that will be easy for many people to qualify for, including discounts for setting up automatic payments, bundling policies, and signing up for coverage before your current policy expires.
How do Allstate home insurance rates compare to the Washington average?
The average annual cost of an Allstate home insurance policy in Washington is $586 per year, which is about 49% cheaper than the statewide average.
How to get a quote
Online through Policygenius or Allstate, or by contacting a local Allstate agent.
How much is homeowners insurance in Washington?
The average cost of homeowners insurance in Washington is $1,159 per year, or $97 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.
Washington homeowners insurance rates by city
Based on our analysis of average premiums in Washington's 20 largest cities, we found that Redmond has the most affordable home insurance costs, while rates are most expensive in Kent.
Here’s a look at the average cost of home insurance in the 20 largest cities in Washington.
City | Average monthly cost | Average annual cost | Difference from state average (%) |
|---|---|---|---|
Seattle | $94 | $1,130 | -3% |
Spokane | $98 | $1,176 | 1% |
Tacoma | $100 | $1,195 | 3% |
Vancouver | $93 | $1,112 | -4% |
Bellevue | $92 | $1,099 | -5% |
Kent | $102 | $1,218 | 5% |
Everett | $92 | $1,109 | -4% |
Spokane Valley | $99 | $1,188 | 3% |
Renton | $100 | $1,195 | 3% |
Federal Way | $97 | $1,162 | 0% |
Yakima | $101 | $1,211 | 4% |
Bellingham | $94 | $1,126 | -3% |
Kirkland | $100 | $1,200 | 4% |
Auburn | $100 | $1,195 | 3% |
Kennewick | $95 | $1,137 | -2% |
Pasco | $100 | $1,205 | 4% |
Redmond | $91 | $1,090 | -6% |
Marysville | $98 | $1,172 | 1% |
Sammamish | $99 | $1,186 | 2% |
Richland | $94 | $1,132 | -2% |
Washington homeowners insurance rates by coverage amount
The table below highlights the average annual premium in Washington 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 limit | Average annual cost |
|---|---|
$100,000 | $596 |
$200,000 | $868 |
$300,000 | $1,159 |
$400,000 | $1,523 |
$500,000 | $1,856 |
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 $586, $677, and $733, respectively.
Company | Average annual cost |
|---|---|
$586 | |
Mutual of Enumclaw Insurance | $677 |
PEMCO Insurance | $733 |
$836 | |
California Casualty | $845 |
$1,023 | |
$1,084 | |
$1,085 | |
$1,197 | |
$1,278 | |
$1,291 | |
$1,455 | |
$1,837 | |
Oregon Mutual | $2,249 |
$2,435 |
Cheapest homeowners insurance companies in Washington for poor credit
In 2022, Washington's ban on using credit scores when setting insurance premiums was overturned. That means that insurance companies can again consider credit to set premiums. [1]
If you have poor credit, your home insurance rates will likely be more expensive than someone with better credit.
Cheapest Washington homeowners insurance 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 $611, 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 |
|---|---|
Allstate | $611 |
Mutual of Enumclaw Insurance | $710 |
PEMCO Insurance | $734 |
California Casualty | $851 |
Auto-Owners Insurance | $1,026 |
Chubb | $1,078 |
Nationwide | $1,094 |
Grange Insurance | $1,142 |
Foremost | $1,278 |
USAA | $1,314 |
Farmers | $1,354 |
State Farm | $1,412 |
Pure Insurance | $1,455 |
Country Financial | $1,943 |
Oregon Mutual | $2,309 |
Cheapest Washington homeowners insurance 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 $1,097, 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 |
|---|---|
Mutual of Enumclaw Insurance | $1,097 |
PEMCO Insurance | $1,126 |
Grange Insurance | $1,142 |
Allstate | $1,294 |
USAA | $1,436 |
California Casualty | $1,456 |
State Farm | $1,486 |
Auto-Owners Insurance | $1,632 |
Foremost | $1,657 |
Nationwide | $2,088 |
Pure Insurance | $2,108 |
Chubb | $2,249 |
Farmers | $3,005 |
Country Financial | $3,066 |
Oregon Mutual | $5,120 |
Coverage options in Washington
In addition to looking at how much each insurance company charges for different coverage levels and risks, you should also be aware of what your policy does and doesn’t cover.
When buying homeowners insurance in Washington, there are some additional insurance options you may need to consider to protect against the state's floods and earthquakes.
Flood insurance
Homeowners insurance doesn’t cover flooding, so if you live in one of the FEMA-designated high-risk flood zones in Washington, you may have to purchase a separate flood insurance policy. Most insurers offer flood insurance through the National Flood Insurance Program. As of 2022, the average cost of flood insurance in Washington is $930.
Earthquake insurance
Washington has the second-highest risk in the country from large earthquakes, according to the state's Department of Natural Resources. [2] That said, Your homeowners insurance won't cover damage caused by earthquakes.
While the probability of a severe earthquake impacting your house may be fairly low, earthquake insurance may be worth it if you live within close proximity to an active fault or if your house is made of materials that make it more at risk of collapsing during a quake.
Some home insurance providers offer earthquake coverage as a separate policy add-on, while other companies specialize in offering it. The cost of earthquake insurance can be high: potentially thousands of dollars more per year on top of your regular policy.
Learn more >> What is earthquake insurance & is it worth the cost?
Frequently asked questions
What is the average cost of homeowners insurance in Washington?
The average cost of homeowners insurance in Washington is $97 per month or $1,159 per year.
Can I rebuild my home with green materials?
Several insurance companies in Washington offer the ability to rebuild using green materials for a more environmentally friendly home. If this is important to you, let your Policygenius agent know so those companies can be considered.
Do Washington insurers use credit scores to determine home insurance rates?
Insurance companies can use your credit score to determine rates in Washington. There was a rule that banned insurance companies in the state from using your credit score to calculate your premiums, but that rule was overturned.
Do I have to have homeowners insurance in Washington?
It is not legally required to purchase homeowners insurance in Washington. However, most mortgage lenders require you to purchase home insurance before you can secure your mortgage.
