We found that the average cost of homeowners insurance in Seattle is just $1,130 per year or $94 a month. This is around 3% cheaper than the Washington state average, and more than 30% cheaper than the national average of $1,754 per year.
Compare the best cheap homeowners insurance companies in Seattle
To find the best cheap homeowners insurance in Seattle, Policygenius rated over a dozen of the largest insurance companies in Washington across several categories, such as average policy cost, financial strength ratings with AM Best, customer and claims satisfaction scores with J.D. Power, available policy options, and more.
Company | Average monthly cost | Policygenius rating | |
|---|---|---|---|
$199 | 4.8 out of 5 | ||
$91 | 4.5 out of 5 | ||
$85 | 4.5 out of 5 | ||
$49 | 4.4 out of 5 |
Methodology & why you can trust our rates
Policygenius has analyzed home insurance rates provided by Quadrant Information Services in March 2022 for ZIP codes in all 50 states plus Washington, D.C., 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 Seattle: 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 best home insurance company in Seattle thanks to its large selection of policy options, high customer service marks, and industry-best financial stability ratings.
Pros and cons
Pros
Top-tier coverage add-ons, including extended replacement cost coverage
High customer satisfaction and financial strength ratings
Offers large discounts when you bundle your home and auto insurance
Cons
No discounts for first-time homebuyers
Rates are more expensive than average
More details
Why we chose State Farm
State Farm is our pick for the best home insurance company in Seattle. We like that State Farm lets homeowners get extended replacement cost coverage for their homes, replacement cost coverage for their personal property, water backup protection, and more.
State Farm's customer service is highly rated, too. The company has received high ratings from policyholders, according to J.D. Power’s 2022 customer satisfaction, claims, and digital experience surveys. It has also received the highest rating possible from A.M. Best for financial strength and stability.
One negative is that State Farm's rates are more expensive than average. The company doesn't offer as many discounts as other insurers either, but if you're planning to bundle home and auto insurance with State Farm, you may receive a large discount.
How do State Farm home insurance rates compare to the Seattle average?
The average cost of home insurance from State Farm in Seattle is $2,391 per year, which is more than double the cost of average.
How to get a quote
Online through State Farm or by contacting your local State Farm agent.
Best home insurance for coverage options: Farmers
2023 Policygenius award winner
Farmers
4.5
Offers extended replacement cost
Bundle home & auto
Smart home discounts
Why we chose it
Farmers is the best home insurance company in Seattle for homeowners who want to add more coverage to a basic policy. Besides its range of coverage add-ons, Farmers also has a large bundling discount, other discounts, and high claims satisfaction scores.
Pros and cons
Pros
Optional extended or guaranteed replacement cost dwelling coverage
Receives few complaints from policyholders and has a high claims satisfaction score
Offers an 18% discount for bundling home and auto insurance
Cons
Below-average scores on J.D. Power’s overall customer satisfaction and digital experience surveys
More details
Why we chose Farmers
Farmers is the best homeowners insurance company in Seattle for those who want to maximize their home insurance protection. Farmers has a range of coverages you can add to a basic policy, like guaranteed or extended replacement cost coverage, water backup protection, and a personal articles floater.
You can also bundle your home insurance with another policy and receive a sizable discount. Farmers offers an 18% discount for bundlers. Besides this bundling discount, Farmers offers homeowners more than one dozen other discounts.
Farmers also earned a high score in J.D. Power’s 2022 claims satisfaction study (though it was below-average on J.D. Power’s overall customer satisfaction and digital experience surveys). Plus, Farmers receives fewer complaints than average, according to the National Association of Insurance Commissioners.
How do Farmers home insurance rates compare to the average in Seattle?
The average cost of Farmers home insurance in Seattle is $1,093 per year, which is 3% cheaper than the average annual premium in the city.
How to get a quote
Online through Farmers
Best home insurance for customer 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 is the best homeowners insurance company in Seattle for people who want highly rated customer service. Besides a top customer experience, Nationwide also offers a range of coverage add-ons that you can use to personalize your coverage.
Pros and cons
Pros
Highly rated for claims satisfaction by J.D. Power
Receives fewer complaints than average
Cheaper than average in Seattle
Cons
Below-average customer satisfaction and digital experience ratings
More details
Why we chose Nationwide
Nationwide is the best homeowners insurance company in Seattle for those who want excellent customer service. 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.
We also like that you can choose from Nationwide's large selection of coverage options. These include guaranteed and extended replacement cost coverages, better roof replacement, new belongings coverage, water backup protection, and equipment breakdown coverage.
Nationwide's rates are cheaper than average in Seattle, and you might be able to lower your premiums even more with the company's discounts. These include discounts for bundling, renovating your home, buying a new home, and others.
How do Nationwide home insurance rates compare to the Seattle average?
The average cost of Nationwide home insurance in Seattle is $1,023 per year, which is 9% cheaper than the annual citywide average.
How to get a quote
Online through Policygenius or Nationwide
Best home insurance for cheap rates: Allstate
2023 Policygenius award winner
Allstate
4.5
Bundle home & auto
Smart home discounts
Why we chose it
If you're looking for a company with cheap average rates, Allstate is the best homeowners insurance company in Seattle for you. Besides cheap rates, Allstate also has a few coverages that you can add to a policy, including a short-term rental endorsement.
Pros and cons
Pros
Rates are much cheaper than average
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 the best home insurance company in Seattle for homeowners who want cheap rates.
Allstate's rates are half of the citywide average. 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 ends.
You can also add a few types of home insurance to a basic Allstate policy, including water backup protection, scheduled personal property coverage, and HostAdvantage, Allstate's short-term rental endorsement.
How do Allstate home insurance rates compare to the Seattle average?
The average annual cost of an Allstate home insurance policy in Seattle is $586 per year, which is 48% cheaper than the citywide average.
How to get a quote
Online through Policygenius or Allstate, or by contacting a local Allstate agent.
How much is homeowners insurance in Seattle?
The average cost of homeowners insurance in Seattle is $1,130 per year, or $94 a month, for an insurance policy with $300,000 in dwelling coverage. This means insurance in Seattle is slightly cheaper (just 3%) than Washington's statewide average and is 36% cheaper than the national average.
Seattle home insurance rates by ZIP code
To help you find out how much home insurance costs where you live, we calculated average home insurance rates by ZIP code in Seattle.
ZIP code | Average annual cost | Difference from state average (%) |
|---|---|---|
98115 | $1,139 | -2% |
98103 | $1,161 | 0% |
98133 | $1,075 | -7% |
98105 | $1,132 | -2% |
98118 | $1,117 | -4% |
98125 | $1,069 | -8% |
98122 | $1,104 | -5% |
98117 | $1,131 | -2% |
98144 | $1,109 | -4% |
98109 | $1,122 | -3% |
Cheapest ZIP codes for home insurance in Seattle
We found that the cheapest home insurance in the entire city of Seattle can be found in the 98125 ZIP code. The average cost of homeowners insurance here is $1,069 per year, which is 8% cheaper than average in the state of Washington.
ZIP code | Average annual cost | Difference from state average (%) |
|---|---|---|
98125 | $1,069 | -8% |
98133 | $1,075 | -7% |
98121 | $1,084 | -6% |
98134 | $1,089 | -6% |
98122 | $1,104 | -5% |
98131 | $1,106 | -5% |
98106 | $1,109 | -4% |
98144 | $1,109 | -4% |
98136 | $1,110 | -4% |
98126 | $1,111 | -4% |
Most expensive areas for homeowners insurance in Seattle
We found that the most expensive homeowners insurance in Seattle can be found in the 98101 ZIP code. On average, the cost of homeowners insurance here is $1,214 per year, just 5% higher than the statewide average.
ZIP code | Average annual cost | Difference from state average (%) |
|---|---|---|
98101 | $1,214 | 5% |
98161 | $1,209 | 4% |
98112 | $1,195 | 3% |
98195 | $1,193 | 3% |
98103 | $1,161 | 0% |
98199 | $1,149 | -1% |
98102 | $1,148 | -1% |
98154 | $1,144 | -1% |
98164 | $1,143 | -1% |
98115 | $1,139 | -2% |
Learn more >> Home insurance rates by ZIP code
Seattle home insurance costs by coverage amount
Your policy's dwelling coverage covers the cost to repair or rebuild your home after a covered loss. Your dwelling coverage limit should be equal to your home’s replacement cost, the amount it would take to rebuild your house from the ground up — not its market value or purchase price.
Be aware, more dwelling coverage generally means higher home insurance rates. In Seattle, a policy with $100,000 in coverage has an average cost of $579 per year, while a policy with $500,000 in coverage has an average yearly cost of $1,795.
Dwelling coverage limit | Average annual cost |
|---|---|
$100,000 | $579 |
$200,000 | $848 |
$300,000 | $1,130 |
$400,000 | $1,473 |
$500,000 | $1,795 |
Seattle home insurance costs by deductible amount
Your homeowners insurance deductible is what you pay on your claim before your insurance covers the rest. It might seem like a good idea to choose a low deductible to save money on claims, but your monthly or annual premium will be far higher.
We found that homeowners in Seattle can save an average of $525 on home insurance by choosing a $2,000 deductible over the $500 option.
Deductible | Average annual cost |
$500 | $2,738 |
$2,000 | $2,213 |
Cheapest homeowners insurance companies in Seattle
We found that the absolute cheapest homeowners insurance companies in Seattle are Allstate, Grange Insurance, Mutual of Enumclaw, PEMCO, and California Casualty. The company with the cheapest rates for you depends on where you live and other factors to do with your home and insurance record.
Company | Average annual cost |
|---|---|
$586 | |
$606 | |
Mutual of Enumclaw Insurance | $624 |
PEMCO Insurance | $680 |
California Casualty | $825 |
$976 | |
$1,023 | |
$1,025 | |
$1,093 | |
$1,218 | |
$1,341 | |
$1,418 | |
$1,773 | |
Oregon Mutual | $2,117 |
$2,391 |
Cheapest home insurance in Seattle if you have an older home
It can be more expensive to insure older homes since they can be more prone to structural damage than newer homes. They're also often constructed with materials and features that would be more expensive to replace after a claim.
With an average annual premium of $608, Allstate offers the cheapest home insurance rates for an older home in Seattle.
Company | Average annual cost |
|---|---|
Allstate | $608 |
Mutual of Enumclaw Insurance | $653 |
PEMCO Insurance | $686 |
Grange Insurance | $827 |
California Casualty | $832 |
Auto-Owners Insurance | $971 |
Nationwide | $1,026 |
Farmers | $1,093 |
Chubb | $1,205 |
State Farm | $1,254 |
USAA | $1,258 |
Foremost | $1,277 |
Pure Insurance | $1,418 |
Country Financial | $1,809 |
Oregon Mutual | $2,117 |
Cheapest homeowners insurance in Seattle if you have a history of claims
Having a history of claims is one of the most likely reasons why your rates could be expensive. If you have multiple claims on your record, insurers will think you're more likely to file future claims than a homeowner without any past claims.
We found that Grange Insurance offers the cheapest home insurance rates in Seattle for a homeowner that's filed three claims within a five-year period.
Company | Average annual cost |
|---|---|
Grange Insurance | $827 |
Mutual of Enumclaw Insurance | $999 |
PEMCO Insurance | $1,047 |
Allstate | $1,222 |
State Farm | $1,320 |
USAA | $1,367 |
Farmers | $1,417 |
California Casualty | $1,423 |
Auto-Owners Insurance | $1,543 |
Nationwide | $1,969 |
Pure Insurance | $2,053 |
Chubb | $2,531 |
Foremost | $2,832 |
Country Financial | $2,855 |
Oregon Mutual | $4,689 |
Coverage options in Seattle
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.
If you're buying homeowners insurance in Seattle, there are some additional insurance options you may need to consider to protect against floods and earthquakes.
Flood insurance
Homeowners insurance doesn’t cover flooding, so if where you live in Seattle is in a high-risk flood zone, you may have to purchase a separate flood insurance policy.
Many insurers offer flood insurance through the National Flood Insurance Program, while some offer their own private policies. As of 2022, the average cost of flood insurance in the state of Washington is $930, but your rate will depend on where exactly in Seattle your property is located.
Earthquake insurance
Washington has the second-highest risk of large earthquakes in the country, according to the state's Department of Natural Resources. While that's the case, your homeowners insurance won't cover damage caused by earthquakes or any other earth movements.
While the probability of a severe earthquake impacting your property in Seattle may be fairly low, earthquake insurance may be worth it if your house is made of materials that put it at more risk of collapsing from a quake.
Some home insurance providers have earthquake coverage as a separate policy add-on, but it's usually a separate policy. 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?
How to get homeowners insurance quotes in Seattle
Finding the right amount of coverage at the right price may seem like an overwhelming endeavor, but it’s actually fairly easy if you know what to look for in a company and policy.
Since Seattle’s average annual premium of $1,130 is slightly below the state average, you will still enjoy lower rates than other Washington residents, but there are other things you should consider when choosing a policy.
Here are a few steps to follow as you shop for homeowners insurance in Seattle:
Frequently asked questions
What is the average cost of homeowners insurance in Seattle?
The average cost of homeowners insurance in Seattle is $94 per month, or $1,130 per year.
Why does the breed of my dog matter?
Having a dog considered to be an “aggressive” breed means that you are statistically more likely to file a dog bite liability claim. Therefore, your premiums will reflect the increased risk. Shopping around can find you the best policy for your home and your dog.
Does Washington consider my credit score?
There was a rule on the table in Washington that would ban insurance companies from using your credit score to calculate your premiums, but it was overturned. Those with low credit will see an increase in their premiums.
