Best and cheapest homeowners insurance companies in Washington

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Washington homeowners spend an average of $1,753 annually on home insurance, though your personal premium could look very different. Insurers weigh dozens of variables when setting rates, from how old your home is and what it’s made of to how far it sits from a fire station or a flood-prone area. That’s why two homes on the same street can end up with very different insurance bills.

If affordability is your top priority, Nationwide offers the lowest average rates in Washington. But price is only part of the picture. Financial strength, customer satisfaction, and third-party ratings are all worth weighing before choosing a policy.

How to find the right policy in 3 steps

Estimate your coverage needs. Aim for enough dwelling coverage to fully rebuild your home at today’s construction prices.
Compare at least three quotes using identical coverage limits and deductibles – rates for the same policy can vary by hundreds of dollars.
Look beyond price. Check financial strength ratings (AM Best) and customer satisfaction scores (J.D. Power) before committing to the cheapest option.

Our choice: Compare the best homeowners insurance companies in Washington

Shopping around is essential when buying insurance in Washington. The insurer that works well for a friend or family member may not be the right match for your home and situation.

Below are our top picks for homeowners insurance companies in Washington.

Company group	Annual premium	AM Best rating	NAIC rating	Overall rating (out of 5)
Allstate	$1,561	A+	1.26	4.68
State Farm	$1,663	A+	1.15	4.67
Nationwide	$1,313	A	1.34	4.61
Farmers	$1,989	A	0.89	4.54
PEMCO	$1,450	B++	0.27	4.45
USAA*	$1,935	A++	0.46	4.77

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

What are the cheapest homeowners insurance companies in Washington?

Nationwide has the lowest homeowners insurance rates in Washington, averaging $109 per month or $1,313 per year.

Keep in mind that rates vary by insurer based on local factors like climate risk, claims history, and building costs. Comparing quotes from multiple insurers is the surest way to find the best rate for your home.

Company group	Annual premium	Monthly premium
Nationwide	$1,313	$109
PEMCO	$1,450	$121
Allstate	$1,561	$130
State Farm	$1,663	$139
Farmers	$1,989	$166
USAA*	$1,935	$161

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

Home insurance rates can vary by hundreds – even thousands – between insurers

Even within the same state, premiums can swing by hundreds of dollars based on factors you might not think about, including:

Your exact ZIP code, local claim history, and proximity to the coast, wildfire zones, or areas prone to severe weather
Your home’s age, size, roof type, construction materials, and the overall risk your property carries
Distance to the nearest fire station or fire hydrant
Your credit-based insurance score
Whether you’ve filed claims in the past five to seven years

How much does homeowners insurance cost in Washington?

The average homeowners insurance cost in Washington is $1,753. That’s $790 lower than the national average of $2,543.

Averages are a useful benchmark, but your premium will ultimately reflect your specific home and circumstances, including your ZIP code, property value, roof condition and the coverage options you select.

People also asked: Is homeowners insurance required in Washington?

Washington has no law requiring homeowners insurance, but mortgage lenders will almost always mandate a policy that covers the full replacement cost of your home so it can be completely rebuilt after a total loss. Standard policies include dwelling, liability and personal property coverage, though the limits and available add-ons differ by insurer.

Estimate your costs and compare homeowners insurance quotes in Washington

Use our homeowners insurance calculator below to estimate how much coverage might cost in your state. Choose your dwelling coverage, liability limits, and deductible to see how each choice affects your average annual rate – along with the lowest and highest rates available in your area.

Keep in mind that your actual quote will depend on additional details specific to your home, including its age, construction type, claim history, and exact location within the state. Use the calculator as a starting point, then compare quotes from at least three insurers to find your true lowest price.

Homeowners insurance rates by state calculator

See how the average annual home insurance rates vary with the options chosen.

State

Washington

AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWashington, D.C.West VirginiaWisconsinWyoming

Dwelling coverage

Liability coverage

Deductible

Standard ($2500)

Standard ($2500)Standard ($1000)

Average annual home insurance rates in
Washington

$1,457 Average rate

Average rate

$1,457/Yr

Lowest rate

$1,109/Yr

Highest rate

$1,777/Yr

Rates by carriers in Washington

Company	Average annual rate
Nationwide	$1,109
PEMCO	$1,235
Allstate	$1,469
State Farm	$1,505
USAA	$1,649
Farmers	$1,777

Methodology

Insure.com commissioned Quadrant Information Systems to analyse home insurance rates from major insurers in the U.S. The analysis includes over 37 million quotes from 134 companies across more than 34,000 ZIP codes, using standardized coverage levels to calculate national averages. The homeowner profile is a 35-year-old married applicant with excellent insurance score; new business HO3 policy for house built in 2000 with frame construction and composition roof. Other Structures: 10%. Loss of Use defaulted: 10%. Guest Medical limit: $5,000. Deductible limit: $1,000. Personal property: 50% of dwelling coverage for replacement value

Last calculator data updated on: 2026

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 do I choose the right homeowners insurance in Washington?

To choose the right homeowners insurance in Washington, focus on three things: enough coverage to fully rebuild your home, a deductible you can comfortably afford, and an insurer with strong financial ratings and customer service. The best policy balances price with protection – low premiums don’t matter much if your insurer is slow to pay claims or your coverage limits fall short when you need them.

What to look for in a homeowners insurance policy:

Replacement cost coverage. Your mortgage lender will typically require this, which pays to rebuild your home at today’s construction prices rather than its depreciated value. Most standard policies include it, but confirm the estimate reflects current labor and material costs in your area.
A deductible that fits your budget. Higher deductibles lower your premium but mean more out-of-pocket after a claim. Choose an amount you could pay tomorrow without financial strain.
Adequate liability limits. Liability coverage protects you if someone is injured on your property or you accidentally damage someone else’s. Most experts recommend at least $300,000 in liability coverage.
Strong claims handling. Check third-party ratings from J.D. Power and AM Best, and read customer reviews. A cheap policy from a poorly rated insurer can cost far more in the long run.
Quotes from at least three insurers. Rates for identical coverage can vary by hundreds of dollars between companies, so comparing is the only way to know you’re getting the best deal.

The cheapest policy isn’t always the best deal

A lower premium often comes with trade-offs – higher deductibles, lower coverage limits, or exclusions for things like water damage or roof replacement. Before picking the cheapest option, check what’s actually covered and what you’d pay out of pocket after a claim. A policy that saves you $200 a year can cost you thousands if it leaves gaps where it matters most.

What are the most common natural disasters in Washington?

According to the Federal Emergency Management Agency (FEMA), a U.S. agency that manages disaster response and flood risk, the most common natural disasters in Washington are some of Landslide and Volcanic activity. These risks can significantly impact homeowners insurance costs and coverage needs, especially in high-risk areas.

Natural disaster risk varies widely from state to state, and so does what your standard policy will actually cover. Most homeowners insurance policies don’t cover floods or earthquakes – those require separates policies, like flood insurance through FEMA’s National Flood Insurance Program or earthquake coverage as a stand-alone policy or endorsement. Before disaster strikes, review your policy carefully and add coverage for any major risks specific to Washington so you’re not left paying out of pocket after a loss.

The table below shows the expected annual losses from natural disasters in Washington:

Natural Hazard(s)	Expected Annual Loss
Landslide and Volcanic activity	Very High

Standard policies don’t cover every disaster

Homeowners insurance typically excludes floods and earthquakes, which means a major event could leave you paying out of pocket. Depending on your location in Washington, you may need a separate flood policy or earthquake endorsement to be fully protected – review your coverage now rather than after a loss.

How we picked the top-rated home insurance companies

We used sample rates from Quadrant Data Services for coverage of $300,000 for both dwelling and liability coverage and a $1,000 deductible. We analyzed more than 37 million quotes from 134 companies.

We also gathered AM Best financial strength ratings for each insurance company, along with each company’s National Association of Insurance Commissioners (NAIC) complaint ratio. The NAIC is a regulatory support organization made up of state insurance regulators, and its complaint ratio compares how many complaints an insurer receives to the industry average.

We used these data points to create a score out of five. Only companies for which all three data points are available were included in the comparison.

Frequently asked questions

Does home insurance cover windstorms in Washington?

Homeowners insurance typically covers wind damage. However, in some states – particularly those vulnerable to damage from hurricanes – your homeowners policy might have a separate deductible for storms such as hurricanes or tropical storms.

These deductibles are often much higher than the deductible that applies to the rest of your homeowners insurance coverage. Washington doesn’t allow separate deductibles for hurricanes and windstorms.

In some cases, windstorm coverage has to be purchased separately; make sure to ask when you buy a policy.

Do I need flood insurance in Washington?

If you live in a high-risk flood zone in Washington, you need to purchase flood insurance. A standard homeowners insurance policy does not cover damage from floods. You can check your flood zone on FEMA’s flood maps.

About 90% of all natural disasters include flooding, according to the federal government’s National Association of Insurance Commissioners, so all homeowners should consider flood insurance.

Do homeowners insurance policies cover building code upgrades?

Homeowners insurance typically does not cover the extra cost of bringing your home up to current building codes after a covered loss. If your home is older, you may be required to rebuild parts of it to meet updated regulations, which can increase repair costs significantly.

According to the Insurance Information Institute (III), a nonprofit that provides insurance data and research, homeowners can add an ordinance or law endorsement to cover the cost of required code upgrades during repairs or rebuilding. Without it, those costs are typically paid out of pocket.

How can I save on homeowners insurance?

The best way to save on homeowners insurance is to shop around and compare quotes from a handful of insurance companies. That way, you can find the coverage you need at the best possible price.

Raising your deductible can also lower your premium costs. However, remember that if you file a claim, you will have to pay your deductible in full before the insurance company will begin to reimburse you for the claim.

Most insurance companies also offer many different types of discounts to eligible policyholders. For example, one way to save is to bundle your policies by purchasing more than one type of insurance with the same insurance company.

Another way to save money is to install smoke detectors and security systems, says Theresa Breunig-Silbernagel, head of strategy and experience at Main Street America Insurance.

“Smart home systems such as motion sensors, video doorbells and water leak sensors will send you an alert on your cell phone so you can handle the issue before it becomes a real problem,” she says. “Often, these installed devices can result in discounts.”

Methodology

Insure.com commissioned home insurance rates from Quadrant Data Services in all 50 states as well as Washington, D.C. with coverage levels of $300,000 for dwelling and liability and with a $1,000 deductible. Average rates were calculated using quotes from 134 insurance companies. To rank insurance companies, we used the average rate in the state along with NAIC complaint ratios and AM Best financial stability ratings.

Natural disaster data was drawn from FEMA’s National Risk Index.

Sources:

FEMA. “Flood Insurance.” Accessed May 2026.

Insurance Information Institute. “How much homeowners insurance do you need?” Accessed May 2026.

National Association of Insurance Commissioners. “Flood Insurance/National Flood Insurance Program (NFIP).” Accessed May 2026.

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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.