Average homeowners insurance cost in Washington

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Home insurance in Washington costs an average of $1,596 per year for standard coverage.

Your actual cost depends on your dwelling coverage limit and the protection level you choose. Higher coverage means higher premiums. Nationwide offers competitive rates in the state, making it a strong option to consider as you compare coverage levels.

Shop around and ask about discounts. Rates vary widely between insurers, and depend on factors like your home’s location, age, construction, roof condition, and claims history-so getting quotes specific to your address and comparing several companies helps you find the best deal.

Key Takeaways

Homeowners insurance costs an average of $1,596 a year, based on our data.
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.

What is the average cost of homeowners insurance in Washington?

The average homeowners insurance premium in Washington is $1,596 annually for a policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

How much is home insurance in Washington? Cost by coverage level

On average, homeowners in Washington pay $1,596 a year for insurance – a figure based on $300,000 in dwelling coverage, $100,000 in liability, and a $1,000 deductible.

Raising your dwelling coverage from $300,000 to $400,000, with the same liability and deductible, brings the average annual cost to $2,001 in Washington.

The table below shows average homeowners insurance costs in Washington for dwelling coverage from $200,000 to $1 million.

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

Average home insurance cost in Washington by insurer

The most affordable homeowners insurance in Washington comes from Nationwide, which averages $978 per year. PEMCO and Allstate are also worth considering.

Shopping around can save you hundreds, or more, each year.

Below are average annual and monthly premiums for Washington homeowners, based on a policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

Company	Average annual rate	Average monthly rate
Nationwide	$978	$82
PEMCO	$1,065	$89
Allstate	$1,181	$98
State Farm	$1,507	$126
Farmers	$1,570	$131
USAA*	$2,352	$196

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

How to lower your home insurance rate

Shop around. The first quote you receive is rarely the best one. Getting estimates from at least three or four insurers gives you a clearer picture of what’s available in Washington.
Bundle your policies. Combining home and auto insurance, or renters and auto, with the same provider is one of the most common ways to unlock multi-policy discounts.
Ask about smart home discounts. Security systems, smoke detectors, and leak sensors are the kinds of upgrades that can bring your premium down.
Check for other savings. Loyalty discounts, claims-free rewards, and home improvements like fire-resistant roofing are worth asking about at renewal.

How does your ZIP code affect home insurance rates in Washington?

Where you live plays a major role in what you pay for home insurance. Your ZIP code signals the level of risk in your area, so places prone to crime, natural disasters, or costly rebuilds tend to come with higher premiums.

Here’s a look at the most and least affordable ZIP codes for home insurance across Washington.

Most affordable ZIP codes for home insurance in Washington

The lowest rates in Washington are found in 98383, where homeowners pay an average of $1,297 per year.

Where you live in Washington has a real impact on what you’ll pay for home insurance – and your ZIP code is one of the largest drivers of that difference.

Below are average homeowners insurance rates for some of the most affordable ZIP codes in Washington.

ZIP code	Average annual rate	Average monthly rate
98383	$1,297	$108
98277	$1,302	$109
98221	$1,303	$109
98315	$1,306	$109
98250	$1,311	$109
98245	$1,314	$110
98311	$1,315	$110
98261	$1,320	$110
98370	$1,321	$110
98310	$1,324	$110

Most expensive ZIP codes for home insurance in Washington

At the other end of the spectrum, 99140 has the highest average rates in Washington at $1,940 per year.

Higher premiums in certain ZIP codes typically reflect greater exposure to crime, natural disasters, and elevated living and rebuilding costs.

Below are some of the most expensive ZIP codes for home insurance in Washington.

ZIP code	Average annual rate	Average monthly rate
99140	$1,940	$162
98834	$1,914	$160
98852	$1,909	$159
98846	$1,893	$158
98922	$1,892	$158
98833	$1,887	$157
99129	$1,883	$157
99147	$1,879	$157
99137	$1,878	$157
99401	$1,874	$156

Home 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 city

See rates in your city

What are the best homeowners insurance companies in Washington?

Our data points to PEMCO as the best overall pick in Washington, thanks to its AM Best rating of B++ and one of the lowest NAIC complaint scores in the state.

We ranked insurers using two measures that matter most when you’re counting on coverage:

AM Best Ratings reflect financial strength-essentially, how confidently a company can cover claims.
NAIC Complaint Scores track complaints in proportion to a company’s size, so a lower number means fewer headaches for policyholders.

Combined, they offer a clear read on whether an insurer is both financially sound and easy to deal with. In the table below, you’ll find the top companies in Washington compared by annual premium, financial rating, and complaint history.

Company	Average annual premium	AM Best rating	NAIC Complaint Index	Overall score
PEMCO	$1,065	B++	0.2	5
Nationwide	$978	A+	0.87	4.14
Farmers	$1,570	A	0.54	4.07
Allstate	$1,181	A+	0.9	3.89
State Farm	$1,507	A++	0.95	3.57

How to understand insurer ratings and complaint data

A good insurer answers two questions well: Can it pay your claim, and does it keep its customers happy? Independent rating agencies measure both, giving you an evidence-based way to compare your options.

The two ratings referenced here:

AM Best, which assesses an insurer’s financial strength and capacity to pay claims. Higher ratings indicate greater financial stability.
NAIC Complaint Index, compiled by the National Association of Insurance Commissioners from consumer complaint data. The baseline is 1.00 – a lower score means fewer complaints than expected for the insurer’s size, and a higher score means more.

What factors affect your home insurance rate?

Home insurance is priced according to the risk an insurer associates with your property and personal profile. The factors that carry the most weight include:

Where you live. Crime levels, weather-related risks, and local claims activity all factor into your rate.
Your claims history. Having filed claims in the past generally leads to a higher premium going forward.
Your credit-based insurance score. Most states allow insurers to use credit as a pricing factor. A lower score can result in a higher rate, though states such as California and Massachusetts have restrictions on this practice.
Your coverage limits and deductible. Choosing higher coverage or a lower deductible will increase your annual cost.

Home insurance costs have also been rising nationally. S&P Global Market Intelligence’s RateWatch application found that premiums for owner-occupied homes increased by more than 11% in 2023.

Resources and methodology

Source

S&P Global. US homeowners insurance rates jump by double digits in 2023. Accessed June 2026.

Methodology

Insure.com worked with Quadrant Information Services to compile homeowners insurance data, analyzing 20,739,560 quotes from 82 national and regional insurers across 34,588 ZIP codes.

Rates are based on a sample homeowner profile with good credit and the following coverage:

$300,000 dwelling coverage
$100,000 liability protection
$1,000 deductible

Company rankings factor in average annual cost, NAIC score, and AM Best rating. All quoted rates are for comparison purposes and individual premiums may vary.

Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.