Average homeowners insurance cost in Washington

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Homeowners in Washington pay an average of $1,735 per year for a standard home insurance policy.

The coverage limit you choose for your dwelling has a major impact on your premium. More protection generally means a higher cost. Higher coverage means higher premiums. Nationwide offers some of the lowest rates in the state, making it a good starting point when comparing your options.

Don’t settle for the first quote – reach out to several insurers and dig into available discounts. Since rates hinge on details like your location, the age and construction of your home, your roof’s condition, and your claims history, the prices you’re offered can swing a lot. Getting address-specific quotes from a handful of companies puts you in the best position to land a great rate.

Key Takeaways

Based on our data, homeowners insurance in Washington costs an average of $1,735 per year.
Among all ZIP codes in Washington, 98345 has the most affordable rates, averaging around $1,406 annually.
For the lowest insurer rates in Washington, Nationwide comes in at an average annual premium of $1,295.

What is the average cost of homeowners insurance in Washington?

Homeowners in Washington pay an average of $1,735 per year 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

Homeowners insurance in Washington costs $1,735 per year on average, based on a policy with $300,000 in dwelling coverage, $100,000 in liability, and a $1,000 deductible.

However, if you increase the dwelling coverage limit from $300,000 to $400,000, you will pay $2,172 per year for homeowners insurance in Washington for $100,000 in liability protection and a $1,000 deductible.

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 $200,000 Liability and None Hurricane	$1,361	$113
$200,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$1,377	$115
$300,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$1,735	$145
$300,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$1,753	$146
$400,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$2,172	$181
$400,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$2,193	$183
$600,000 with $1,000 Deductible and $200,000 Liability and None Hurricane	$3,052	$254
$600,000 with $1,000 Deductible and $300,000 Liability and None Hurricane	$3,078	$257
$1,000,000 with $2,500 Deductible and $200,000 Liability and None Hurricane	$4,209	$351
$1,000,000 with $2,500 Deductible and $300,000 Liability and None Hurricane	$4,252	$354

Average home insurance cost in Washington by insurer

The most affordable homeowners insurance in Washington comes from Nationwide, which averages $1,295 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	$1,295	$108
PEMCO	$1,435	$120
Allstate	$1,527	$127
State Farm	$1,646	$137
Farmers	$1,958	$163
USAA*	$1,935	$161

*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?

Your ZIP code is one of the biggest factors in your home insurance rate, because it tells the insurer how much risk comes with your location. Areas with higher crime rates, frequent natural disasters, or high rebuilding costs are treated as higher-risk-and that pushes premiums up.

Below are the most affordable and most expensive ZIP codes for home insurance in Washington

Most affordable ZIP codes for home insurance in Washington

The lowest rates in Washington are found in 98345, where homeowners pay an average of $1,406 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
98345	$1,406	$117
98368	$1,416	$118
98370	$1,417	$118
98358	$1,444	$120
98342	$1,445	$120
98221	$1,448	$121
98250	$1,454	$121
98277	$1,457	$121
98245	$1,458	$121
98315	$1,459	$122

Most expensive ZIP codes for home insurance rates in Washington

99140 has the highest rates in Washington at an average of $2,102 per year.

Home insurance costs more in certain ZIP codes due to higher crime rates, natural disaster risk, and living costs.

Below, we’ve highlighted some of the most expensive ZIP codes in Washington for home insurance:

ZIP code	Average annual rate	Average monthly rate
99140	$2,102	$175
98834	$2,100	$175
98922	$2,082	$174
98846	$2,077	$173
98813	$2,072	$173
98833	$2,067	$172
99349	$2,065	$172
98847	$2,059	$172
99147	$2,056	$171
98814	$2,055	$171

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

How have home insurance rates changed in Washington?

Home insurance rates in Washington increase by 9% from 2023 to 2025. This reflects broader trends in the state’s insurance market over the past few years.

The below data shows how much homeowners insurance rates have changed since 2022.

2022 rates	2023 rates	2025 rates
$1,641	$1,593	$1,735

What are the best homeowners insurance companies in Washington?

Our data points to Allstate as the best overall pick in Washington, thanks to its AM Best rating of A+ 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
Allstate	$1,527	A+	1.26	4.68
State Farm	$1,646	A+	1.15	4.67
Nationwide	$1,295	A	1.34	4.61
Farmers	$1,958	A	0.89	4.54
PEMCO	$1,435	B++	0.27	4.44
USAA*	$1,935	A++	0.46	4.77

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

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 rates come down to how much risk you represent to the insurer. The main factors they weigh:

Where you live. Local crime, weather risk, and how often neighbors file claims.
Your claims history. Past claims usually raise your rate.
Your credit-based insurance score. Weaker credit can mean a higher premium (restricted in some states, like California and Massachusetts).
Your coverage limits and deductible. More coverage or a lower deductible costs more.

Rates have also been climbing across the board. Home insurance premiums for owner-occupied homes rose more than 11% nationwide in 2023, according to S&P Global Market Intelligence’s RateWatch application.

Resources and Methodology

Sources:

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

Methodology

Insure.com worked with Quadrant Information Services to compile homeowners insurance data, analyzing 37,973,840 quotes from 75 company groups (134 companies) across 34,595 ZIP codes in all 51 states.

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

The national average annual premium (non-hurricane deductible) is $2,543.

Company rankings factor in:

AM Best rating: 30%
NAIC score: 35%
Annual premium: 35%

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.