Cheapest Homeowners Insurance in District of Columbia with rates for 2022

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Finding the cheapest home insurance in District of Columbia requires getting quotes from multiple home insurance companies.

Home insurance companies don’t devise rates in all the same way. One may put a greater emphasis on one metric, such as a home’s claims history, while not caring as much about another, such as a person’s credit. That’s one reason why it pays to get quotes from multiple insurance companies.

We found that USAA has the cheapest homeowners insurance rates in District of Columbia with an average annual premium of $805 or $67 per month for $300,000 dwelling and $300,000 liability coverage with a $1,000 deductible.

Let’s take a look at the cheapest homeowners insurance in District of Columbia and how to find the best home insurance rates.

Key Takeaways

In District of Columbia, the cheapest homeowners insurance is offered by USAA at $805 per year for $300,000 dwelling coverage, $300,000 liability protection and $1,000 deductible.
The zipcode 20024 in District of Columbia offers the homeowners insurance at the cheapest rate of $1,479 per year.

Cheap homeowners insurance companies in District of Columbia

Home insurance costs are a vital part of finding a homeowners insurance policy. Who has the cheapest homeowners insurance in District of Columbia?

USAA, Great Northern Insurance and Allstate are the cheapest homeowners insurance companies in District of Columbia, on average.

Here are average District of Columbia homeowners insurance rates for a policy with $300,000 dwelling coverage and $300,000 liability protection with a $1,000 deductible.

Company	Average annual premium	Average monthly premium
USAA	$805	$67
Great Northern Insurance	$1,029	$86
Allstate	$1,470	$123
Standard Fire Insurance	$1,519	$127
State Farm	$1,964	$164

Compare cheap homeowners insurance in District of Columbia by ratings

It’s a smart move to shop around to look for cheap homeowners insurance and compare policies and coverages from different insurance providers carefully. Here we have compared the cheapest home insurance companies in District of Columbia based on J.D. power score and AM Best ratings that help you to choose the best among the options available.

Company	J.D. Power score	AM Best rating
USAA	882	A++
State Farm	835	A++
Allstate	829	A+
Liberty Mutual	806	A

How much is home insurance in District of Columbia

The average cost of homeowners insurance in District of Columbia is $1,488 for $300,000 dwelling and $300,000 liability with a $1,000 deductible. The average District of Columbia home insurance costs are $817 less than the national average.

Average annual premium	Average monthly premium
$1,488	$124

Multiple factors play a role in homeowners insurance cost, including:

Location, including ZIP code
Level of coverage
Home construction and age
Your claims history
Your home’s claims history
The area’s claims history
Deductible
Credit history

Cheapest homeowners insurance in District of Columbia by ZIP code

20024 has the cheapest homeowners insurance, among large cities surveyed, with average rate of $1,479 per year, which is $123 per month. Here are how District of Columbia cities rank for average home insurance rates:

ZIP code	Average annual premium	Average monthly premium
20024	$1,479	$123
20006	$1,481	$123
20012	$1,485	$124
20007	$1,486	$124
20002	$1,487	$124
20008	$1,488	$124
20036	$1,489	$124
20001	$1,490	$124
20011	$1,492	$124
20004	$1,494	$124
20005	$1,495	$125
20009	$1,496	$125

How much is home insurance in other states

Alaska$1,799/Year

Alabama$2,981/Year

Arkansas$3,439/Year

Arizona$1,976/Year

California$1,166/Year

Colorado$3,082/Year

Connecticut$1,961/Year

Delaware$1,521/Year

Florida$3,439/Year

Georgia$2,555/Year

Hawaii$499/Year

Iowa$2,540/Year

Idaho$1,842/Year

Illinois$2,201/Year

Indiana$2,423/Year

Kansas$3,931/Year

Kentucky$2,862/Year

Louisiana$3,270/Year

Massachusetts$1,920/Year

Maryland$1,518/Year

Maine$1,833/Year

Michigan$2,153/Year

Minnesota$3,010/Year

Missouri$3,111/Year

Mississippi$3,340/Year

Montana$2,809/Year

North Carolina$2,009/Year

North Dakota$2,601/Year

Nebraska$3,133/Year

New Hampshire$1,455/Year

New Jersey$1,744/Year

New Mexico$2,299/Year

Nevada$1,486/Year

New York$1,840/Year

Ohio$2,107/Year

Oklahoma$4,445/Year

Oregon$1,608/Year

Pennsylvania$1,720/Year

Rhode Island$2,125/Year

South Carolina$2,678/Year

South Dakota$3,172/Year

Tennessee$2,692/Year

Texas$3,429/Year

Utah$1,378/Year

Virginia$1,956/Year

Vermont$1,212/Year

Washington$1,514/Year

Wisconsin$1,732/Year

West Virginia$2,486/Year

Wyoming$2,083/Year

Les Masterson

Contributor

Les, a former managing editor, insurance, at QuinStreet, has more than 20 years of experience in journalism. In his career, he has covered everything from health insurance to presidential politics.