Home Home insurance Average home insurance cost Homeowners insurance rates by state Average homeowners insurance cost in Washington Average homeowners insurance cost in Washington Homeowners insurance in Washington costs $1,596 per year or $133 monthly, according to Insure.com’s data analysis. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: April 14, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Whether you’re buying a new home or want to protect the property you currently own, it’s important to have sufficient homeowners insurance coverage in place. However, home insurance policies can get expensive, depending on your insurer and the coverage level you choose.On average, Washington homeowners insurance costs $1,596 a year, based on Insure.com’s data. Learn more about the average homeowners insurance rates by company and ZIP code in Washington. Key Takeaways Homeowners insurance costs an average of $1,596 a year, based on Insure.com analysis.Of all the ZIP codes in Washington, 98383 has the most affordable home insurance rates at around $1,297 annually.In Washington, Nationwide provides the most affordable home insurance at an average annual premium of $978. Average home insurance cost in Washington by coverage levelIn Washington, the annual homeowners insurance cost is $1,596, on average for the limits of $100,000 in liability, $300,000 in dwelling coverage and a $1000 deductible.Increasing your dwelling coverage from $300,000 to $400,000 will raise your annual homeowners insurance premium to $2,001 in Washington, with $100,000 in liability protection and a $1,000 deductible. Below are the average costs for homeowners insurance in Washington based on dwelling coverage limits of $300,000, $400,000, and $500,000.Coverage Average annual rate Average monthly rate$200,000 with $1,000 Deductible and $100,000 Liability and None Deductible$1,247 $104 $200,000 with $1,000 Deductible and $300,000 Liability and None Deductible$1,260 $105 $300,000 with $1,000 Deductible and $100,000 Liability and None Deductible$1,596 $133 $300,000 with $1,000 Deductible and $300,000 Liability and None Deductible$1,612 $134 $400,000 with $1,000 Deductible and $100,000 Liability and None Deductible$2,001 $167 $400,000 with $1,000 Deductible and $300,000 Liability and None Deductible$2,017 $168 $600,000 with $1,000 Deductible and $100,000 Liability and None Deductible$2,781 $232 $600,000 with $1,000 Deductible and $300,000 Liability and None Deductible$2,801 $233 $1,000,000 with $1,000 Deductible and $100,000 Liability and None Deductible$4,290 $357 $1,000,000 with $1,000 Deductible and $300,000 Liability and None Deductible$4,314 $360 In Washington, homeowners insurance companies set rates by assessing various risk factors. Your location, claims history, credit history and coverage limit all affect your premium.If multiple claims have been filed in your neighborhood over the past few years, you’ll likely face higher home insurance rates than areas with fewer claims. Your credit score can also play a role in determining your home insurance costs. According to S&P Global Market Intelligence’s RateWatch application, the average homeowners insurance premium for owner-occupied homes nationwide increased by over 11% in 2023.Best homeowners insurance companies in WashingtonBefore purchasing homeowners insurance, it’s important to compare rates and explore your options. Several factors play a role in choosing the best homeowners insurance company for your specific needs.We evaluated insurance companies in Washington based on their NAIC scores and AM Best ratings to create a list of the top homeowners insurance providers in the state. Our findings show that PEMCO received the lowest NAIC score and B++ rating from AM Best. A lower NAIC score indicates fewer complaints relative to the company’s size, suggesting higher customer satisfaction.Company Average annual premiumAM Best rating NAIC Complaint IndexOverall scorePEMCO$1,065B++0.25Nationwide$978A+0.874.14Farmers$1,570A0.544.07Allstate$1,181A+0.93.89State Farm$1,507A++0.953.57Average homeowners insurance cost by company in WashingtonNationwide has the cheapest homeowners insurance rates in Washington. Its average annual cost for Washington homeowners is $978. PEMCO and Allstate also offer affordable insurance.By comparing homeowners insurance rates, you could save hundreds, if not thousands, of dollars annually.The table below shows the average annual and monthly insurance rates for homeowners in Washington with $300,000 in dwelling coverage, $100,000 in liability coverage, and a $1,000 deductible.Company Average annual rate Average monthly rateNationwide$978$82PEMCO$1,065$89Allstate$1,181$98State Farm$1,507$126Farmers$1,570$131USAA$2,352$196Washington homeowners insurance rates by ZIP codeInsurance providers in Washington factor in the risk of a given location when determining rates. ZIP codes with higher crime rates or frequent natural disasters are typically classified as high-risk, leading to increased premiums. Additionally, the cost of rebuilding or repairing homes in that area can affect your homeowners insurance costs.To get the best deal on homeowners insurance rates in Washington, take the time to shop around and compare quotes from multiple insurers. Additionally, don’t forget to ask about potential discounts, like bundling policies or a smart home discount.Most affordable ZIP codes for home insurance rates in WashingtonHome insurance costs vary across different areas in Washington. What you pay for homeowners insurance depends on several factors, including your ZIP code. According to our data, the 98383 ZIP code has the lowest home insurance rates in Washington, at $1,297 annually or $108 per month.Here are the homeowners insurance rates for some of the most affordable ZIP codes in Washington.ZIP codeAverage annual rateAverage monthly rate98383$1,297$10898277$1,302$10998221$1,303$10998315$1,306$10998250$1,311$10998245$1,314$11098311$1,315$11098261$1,320$11098370$1,321$11098310$1,324$110Most expensive ZIP codes for home insurance rates in WashingtonYour ZIP code is a key factor in determining the cost of your homeowners insurance coverage. In Washington, certain areas have higher insurance premiums due to elevated crime rates, increased risk of natural disasters, and higher living costs.99140 has the most expensive homeowners insurance rates in Washington at an average annual cost of $1,940.Below, we’ve highlighted some of the most expensive ZIP codes in Washington for home insurance:ZIP codeAverage annual rateAverage monthly rate99140$1,940$16298834$1,914$16098852$1,909$15998846$1,893$15898922$1,892$15898833$1,887$15799129$1,883$15799147$1,879$15799137$1,878$15799401$1,874$156Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.Home insurance rates in Washington by cityBellevueSeattleSpokaneTacomaVancouverHome insurance rate trend in WashingtonWe analyzed home insurance rate trends in Washington and found that homeowners insurance rates experienced an overall decrease of 3% or $47, from 2022 to 2023.The following data highlights the changes in homeowners insurance rates since 2019.2019 rates2022 rates2023 rates$1,271$1,643$1,596Finding the right homeowners insurance requires thorough research and comparing rates from different insurers, as each has its own way of assessing risk. By gathering quotes from at least three companies, you can increase your chances of getting the most affordable coverage in Washington.Resources & methodologySourceS&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed April 2025.MethodologyInsure.com worked with Quadrant Information Service to get homeowners insurance data. We analyzed 20,739,560 insurance quotes from 82 national and regional insurance companies across 34,588 ZIP codes to determine the average premiums.The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:$300,000 dwelling coverage$100,000 liability protection$1000 deductibleWe have taken into account 3 important factors such as average annual cost, NAIC score and AM Best rating, to determine the list of best homeowners insurance companies. The quoted insurance rates are for comparison purposes, and your individual rates may vary. Explore other insurance options in Washington Average renters insurance cost in Washington Average car insurance cost in Washington Non-owner car insurance in Washington How much is home insurance in other statesAlaska$1,695/YearAlabama$3,131/YearArkansas$3,948/YearArizona$2,468/YearCalifornia$1,386/YearColorado$4,086/YearConnecticut$2,205/YearDelaware$1,366/YearFlorida$4,405/YearGeorgia$2,286/YearHawaii$593/YearIowa$2,642/YearIdaho$1,950/YearIllinois$3,044/YearIndiana$2,969/YearKansas$4,826/YearKentucky$3,314/YearLouisiana$3,576/YearMassachusetts$1,622/YearMaryland$1,707/YearMaine$1,375/YearMichigan$2,396/YearMinnesota$2,399/YearMissouri$3,528/YearMississippi$3,369/YearMontana$3,265/YearNorth Carolina$2,933/YearNorth Dakota$3,134/YearNebraska$4,785/YearNew Hampshire$1,209/YearNew Jersey$1,506/YearNew Mexico$2,638/YearNevada$1,444/YearNew York$1,777/YearOhio$2,144/YearOklahoma$5,749/YearOregon$1,741/YearPennsylvania$1,886/YearRhode Island$1,932/YearSouth Carolina$2,668/YearSouth Dakota$3,374/YearTennessee$3,045/YearTexas$3,844/YearUtah$1,792/YearVirginia$2,135/YearVermont$1,247/YearWisconsin$1,648/YearWest Virginia$1,886/YearWyoming$1,885/YearShow moreShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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