Average homeowners insurance cost in Washington D.C. (2024)

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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, D.C. homeowners insurance costs $1,327 a year, based on Insure.com’s data.

Learn more about the average homeowners insurance rates by company and ZIP code in Washington, D.C..

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

The average cost of homeowners insurance in Washington, D.C. is $1,327 per year for the coverage limits of $300,000 dwelling coverage and $100,000 liability with a $1,000 deductible.

However, if you increase the dwelling coverage limit from $300,000 to $400,000, you will pay $1,328 per year for homeowners insurance in Washington, D.C. for $100,000 in liability protection and $1,000 deductible. Below, you can find the average cost of homeowners insurance in Washington, D.C. for dwelling coverage of $300,000, $400,000 and $500,000.

Coverage	Average annual rate	Average monthly rate
200000 with 1000 Deductible and 100000 Liability and 2% Deductible	$970	$81
200000 with 1000 Deductible and 300000 Liability and 2% Deductible	$984	$82
300000 with 1000 Deductible and 100000 Liability and 2% Deductible	$1,327	$111
300000 with 1000 Deductible and 300000 Liability and 2% Deductible	$1,342	$112
400000 with 1000 Deductible and 100000 Liability and 2% Deductible	$1,688	$141
400000 with 1000 Deductible and 300000 Liability and 2% Deductible	$1,703	$142
600000 with 1000 Deductible and 100000 Liability and 2% Deductible	$2,369	$197
600000 with 1000 Deductible and 300000 Liability and 2% Deductible	$2,384	$199
1000000 with 1000 Deductible and 100000 Liability and 2% Deductible	$3,683	$307
1000000 with 1000 Deductible and 300000 Liability and 2% Deductible	$3,699	$308

Homeowners insurance companies in Washington, D.C. decide rates based on risk. They consider your location, claims history and coverage limit when calculating premiums.

If your neighborhood has seen many claims over the past few years, you can expect to pay higher home insurance rates than an area with few to no claims.

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

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

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

To choose the right homeowners insurance, it’s important to conduct thorough research and compare rates from various insurers, as each evaluates risk differently. Comparing quotes from at least three companies can help you secure 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.

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.