Average homeowners insurance cost in Washington D.C.

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Whether you’re buying a new home or safeguarding the one you already own, it’s important to have comprehensive homeowners insurance. However, the amount you’ll pay depends on the insurance company and the coverage limits you choose.

Homeowners insurance in Washington, D.C. costs an average of $1,327 a year, according to Insure.com’s study.

Read this guide to learn more about the average homeowners insurance rates in Washington, D.C. by insurance company and ZIP code.

Key Takeaways

Homeowners insurance costs an average of $1,327 a year, based on our 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.

Before 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, D.C. 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 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 has the cheapest homeowners insurance rates in Washington, D.C.. Its average annual cost for Washington, D.C. homeowners is $1,311. Nationwide and State Farm 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, D.C. with $300,000 in dwelling coverage, $100,000 in liability coverage, and 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

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.

Homeowners insurance costs in Washington, D.C. can vary widely by location, with your ZIP code being a key factor in determining your rate. Based on our data, the the 20001 area has the most affordable insurance rates, at $1,327 annually or $111 monthly.

Below are the homeowners insurance rates for 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.

Your ZIP code plays a significant role in determining the cost of your homeowners insurance. In Washington, D.C., some areas face higher premiums due to factors like high crime rates, greater risk of natural disasters and higher living expenses.

In Washington, D.C., 20500 has the highest homeowners insurance rates, at $1,327 per year.

Here, we’ve highlighted 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 April 2025.

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.

How much is home insurance in other states

Alaska$1,695/Year

Alabama$3,131/Year

Arkansas$3,948/Year

Arizona$2,468/Year

California$1,386/Year

Colorado$4,086/Year

Connecticut$2,205/Year

Delaware$1,366/Year

Florida$4,405/Year

Georgia$2,286/Year

Hawaii$593/Year

Iowa$2,642/Year

Idaho$1,950/Year

Illinois$3,044/Year

Indiana$2,969/Year

Kansas$4,826/Year

Kentucky$3,314/Year

Louisiana$3,576/Year

Massachusetts$1,622/Year

Maryland$1,707/Year

Maine$1,375/Year

Michigan$2,396/Year

Minnesota$2,399/Year

Missouri$3,528/Year

Mississippi$3,369/Year

Montana$3,265/Year

North Carolina$2,933/Year

North Dakota$3,134/Year

Nebraska$4,785/Year

New Hampshire$1,209/Year

New Jersey$1,506/Year

New Mexico$2,638/Year

Nevada$1,444/Year

New York$1,777/Year

Ohio$2,144/Year

Oklahoma$5,749/Year

Oregon$1,741/Year

Pennsylvania$1,886/Year

Rhode Island$1,932/Year

South Carolina$2,668/Year

South Dakota$3,374/Year

Tennessee$3,045/Year

Texas$3,844/Year

Utah$1,792/Year

Virginia$2,135/Year

Vermont$1,247/Year

Washington$1,596/Year

Wisconsin$1,648/Year

West Virginia$1,886/Year

Wyoming$1,885/Year

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.