Average homeowners insurance cost in Washington D.C.

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Whether you’re a new homeowner or looking to buy insurance for your current home, securing the right homeowners’ insurance is crucial. Rates may vary depending on your insurance company and the coverage limits you choose.

According to Insure.com’s data analysis, the average cost of homeowners insurance in Washington, D.C. is $1,327 a year.

Continue reading to learn more about homeowners insurance rates in Washington, D.C. by ZIP code and insurer.

Key Takeaways

Homeowners insurance costs an average of $1,327 a year, based on Insure.com analysis.
Of all the ZIP codes in Washington, D.C., 20001 has the most affordable home insurance rates at around $1,327 annually.
In Washington, D.C., Allstate provides the most affordable home insurance at an average annual premium of $1,311.

Average home insurance cost in Washington, D.C. by coverage level

In Washington, D.C., the annual homeowners insurance cost is $1,327, 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 $1,688 in Washington, D.C., with $100,000 in liability protection and a $1,000 deductible. Below are the average costs for homeowners insurance in Washington, D.C. 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 2% Deductible	$970	$81
$200,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible	$984	$82
$300,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible	$1,327	$111
$300,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible	$1,342	$112
$400,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible	$1,688	$141
$400,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible	$1,703	$142
$600,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible	$2,369	$197
$600,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible	$2,384	$199
$1,000,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible	$3,683	$307
$1,000,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible	$3,699	$308

In Washington, D.C., 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 Washington, D.C.

It’s always wise to shop around and compare prices before you buy homeowners insurance. There are many factors that go into deciding the best homeowners insurance company.

We have compared the insurers in Washington, D.C. using their NAIC score and AM Best rating and compiled a list of the best homeowners insurance in Washington, D.C.. Based on the analysis, Chubb received the lowest NAIC score and A++ rating from AM Best. A lower NAIC score indicates fewer complaints relative to the company’s size, suggesting higher customer satisfaction.

Company	Average annual premium	AM Best rating	NAIC Complaint Index	Overall score
Chubb	$1,435	A++	0.18	5
Allstate	$1,311	A+	0.9	3.94
Nationwide	$1,328	A+	0.87	3.93
State Farm	$1,418	A++	0.95	3.45

Average homeowners insurance cost by company in Washington, D.C.

Allstate offers the most affordable homeowners insurance in Washington, D.C., at an average annual premium of $1,311, followed by Nationwide and State Farm.

You can save hundreds — if not thousands — of dollars each year if you shop around for homeowners insurance.

Here are the average annual and monthly insurance rates for Washington, D.C. homeowners for a policy with $300,000 dwelling coverage and $100,000 liability protection with a $1,000 deductible.

Company	Average annual rate	Average monthly rate
Allstate	$1,311	$109
Nationwide	$1,328	$111
State Farm	$1,418	$118
Chubb	$1,435	$120
USAA*	$1,076	$90

*USAA is only available to military community members and their families.

Washington, D.C. homeowners insurance rates by ZIP code

Insurance companies in Washington, D.C. assess the risk associated with a specific location. ZIP codes prone to higher crime rates or frequent natural disasters are often classified as high-risk areas, which can lead to increased insurance premiums. The cost of rebuilding or repairing homes in a specific ZIP code can also impact how much you pay for a homeowners insurance policy.

Make sure you shop around and compare quotes from various insurance companies to get the best deal on homeowners insurance rates in Washington, D.C.. Don’t forget to ask about any available discounts, such as bundling policies or a smart home discount.

Most affordable ZIP codes for home insurance rates in Washington, D.C.

Not every area in Washington, D.C. has the same home insurance cost. How much you pay for homeowners insurance in Washington, D.C. depends on many factors, including your ZIP code. Our data shows that 20001 ZIP has low-cost home insurance rates in Washington, D.C., at about $1,327 a year or $111 monthly.

Below you can find homeowners insurance rates for some of the most affordable ZIP codes in Washington, D.C..

ZIP code	Average annual rate	Average monthly rate
20001	$1,327	$111

Most expensive ZIP codes for home insurance rates in Washington, D.C.

In Washington, D.C., certain areas experience higher premiums because of higher crime rates, increased risk of natural disasters and the cost of living.

Homeowners in 20500 ZIP pay the highest insurance rates in Washington, D.C., with an average annual premium of $1,327.

Below is a list of some of the most expensive ZIP codes in Washington, D.C. for homeowners insurance.

ZIP code	Average annual rate	Average monthly rate
20500	$1,327	$111

Home insurance rate trend in Washington, D.C.

We analyzed home insurance rate trends in Washington, D.C. and found that homeowners insurance rates experienced an overall increase of 12% or $139, from 2022 to 2023.

The following data highlights the changes in homeowners insurance rates since 2019.

2019 rates	2022 rates	2023 rates
$1,234	$1,188	$1,327

Finding 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, D.C..

Resources & methodology

Source

S&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed September 2024.

Methodology

Insure.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 deductible

We 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.

Shivani Gite

Contributing Writer

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.