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

Homeowners insurance costs $1,327 a year in Washington, D.C. for the coverage limits of $300,000 dwelling coverage and $100,000 liability with a $1,000 deductible.

If you raise the dwelling coverage limit from $300,000 to $400,000, the cost of homeowners insurance in Washington, D.C. will increase to $1,688 per year for $100,000 in liability protection and a $1,000 deductible. Below, you’ll find the average cost of homeowners insurance in Washington, D.C. for 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

Homeowners insurance companies in Washington, D.C. determine rates based on risk factors. When calculating premiums, they consider your location, claims history, credit history and coverage limits.

If your neighborhood has experienced many claims in the last few years, you can expect to pay higher home insurance rates than areas with few to no 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 a good idea to shop around and compare prices before purchasing homeowners insurance. Several factors come into play when choosing the best homeowners insurance company.

We evaluated homeowners insurance providers in Washington, D.C. by comparing their NAIC scores and AM Best ratings and compiled a list of the top insurers in the state. Based on Insure.com’s analysis, Chubb received the lowest NAIC score and an AM Best rating of A++. A lower NAIC score signifies fewer complaints relative to the company’s size, indicating greater 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 provides the most affordable homeowners insurance in Washington, D.C., with an average annual premium of $1,311. Nationwide and State Farm also offer cheap home insurance rates.

Shopping around for homeowners insurance can help you save hundreds of dollars annually.

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

*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.

Home insurance costs vary across different areas in Washington, D.C.. What you pay for homeowners insurance depends on several factors, including your ZIP code. According to our data, the 20001 ZIP code has the lowest home insurance rates in Washington, D.C., at $1,327 annually or $111 per month.

Here are the 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.

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 below data shows how much homeowners insurance rates have changed since 2019.

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

To find the right homeowners insurance, research thoroughly and compare costs from multiple insurers, as they assess risk differently. Getting quotes from at least three companies helps ensure you get 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.