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.

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.

CompanyAverage annual premiumAverage 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
Liberty Mutual$2,001$167

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.

CompanyJ.D. Power scoreAM Best rating
USAA882A++
State Farm835A++
Allstate829A+
Liberty Mutual806A

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 premiumAverage 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 codeAverage annual premiumAverage 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
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