Average homeowners insurance cost in Washington, DC

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The average cost of homeowners insurance in Washington is $1,327 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), based on Insure.com’s rate data analysis. It’s $1,177 less than the national average of $2,504.

However, homeowners insurance rates can vary drastically from one home to another. Home insurance rates in Washington depend on a number of factors, including:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

To make sure you are getting the best deal on home insurance, it is important to get quotes from multiple insurers to find the right coverage for your needs. Read this guide to know how much homeowners insurance cost per month in Washington, home insurance cost for different dwelling coverage, also know which companies offer cheap home insurance in Washington.

In this guide, we will explain everything from what coverage options are available to which companies have the cheapest rates for homeowners insurance in Washington.

Key takeaways

Homeowners insurance costs $1,327 per year in Washington.
At $1,311 per year, Allstate offers the cheapest homeowners insurance in Washington.
Your home insurance rates increase by $357 more annually if you increase your dwelling coverage from $200,000 to $300,000.

Average homeowners insurance cost in Washington per month

According to our rate analysis, homeowners in Washington pay an average of $111 per month. It’s same as the state average of $111 and $98 less than the national average for home insurance across the United States.

In Washington, the cost of your homeowners insurance policy depends on the value of your home, location, and the coverage options you select.

Average homeowners insurance cost for a $200,000 house in Washington

In Washington, DC, homeowners pay an average of $970 annually for a $200,000 home. The annual cost of home insurance is influenced by factors such as the risk of natural disasters in your area.

Regions more susceptible to natural disasters, such as floods, hurricanes, or tornadoes, typically face higher rebuilding costs, leading to increased insurance premiums. It is important to understand that standard insurance policies might not cover damages caused by floods or hurricanes. If you live in a flood-prone area, it is advisable to purchase flood insurance.

Average homeowners insurance cost for a $300,000 house in Washington

As per rate analysis by Insure.com, homeowners residing in Washington typically pay an average of $1,327 annually to insure a home for coverage limits of $300,000 dwelling, $100,000 liability protection with a $1,000 deductible.

Your home insurance rates will be increased by $357 if you increase your dwelling coverage from $200,000 to $300,000. It is advisable to buy enough insurance sufficient insurance to cover the entire cost of rebuilding your home. However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area.

Average homeowners insurance cost in Washington by company

Among the carriers analyzed, Allstate is the most affordable homeowners insurance company in Washington, offering an average annual rate of $1,311.

Nationwide ranks second, while State Farm holds the third spot with an average annual rate of $1,418.

Researching a company thoroughly before selecting a homeowners insurance policy is essential. Insure.com has meticulously reviewed all insurance companies operating in Washington and compiled a list of the most affordable options.

Below are the details of home insurance companies in Washington and their average annual premiums.

Home Insurance Company	Annual rate
Allstate	$1,311
Nationwide	$1,328
State Farm	$1,418
Chubb Ltd	$1,435
USAA*	$1,076

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Washington for $300,000 dwelling coverage, $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.