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Whether you’re buying a new or existing home or want to best protect the property you currently own, it’s important to have sufficient homeowners insurance coverage in place. But these policies can get expensive, depending on your coverage inclusions and level.

Crestbrook provides the cheapest homeowners insurance with an average cost of $582 per year.

To help you save money on homeowners insurance, we’ve researched the industry and can suggest three particular insurers with the most affordable coverage on average in Washington. Read on for our recommendations and tips for shopping around and saving money on homeowners insurance.

Key Takeaways

  • At $48 per month, Crestbrook offers the cheapest homeowners insurance in Washington with $300,000 dwelling coverage, $300,000 liability protection and $1,000 deductible.
  • After Crestbrook, Pemco Mut Insurance and Nationwide offer cheaper homeowners insurance in Washington.
  • Amongst all the large cities surveyed by Insure.com in Washington, the city with zip code 98221 offers the cheapest homeowners insurance at $111 per month or $1,331 annually.

Cheap homeowners insurance companies in Washington

Crestbrook, Pemco Mut Insurance and Nationwide have the lowest average home insurance rates with $300,000 dwelling and $300,000 liability coverage with a $1,000 deductible.

Here are the average Washington homeowners insurance rates by company. You may wonder: How much is homeowners insurance a month in Washington? We included those averages, too:

CompanyAverage annual premiumAverage monthly premium
Crestbrook$582$48
Pemco Mut Insurance$1,005$84
Nationwide$1,012$84
Allstate$1,021$85
Safeco$1,053$88
Allied$1,075$90
Depositors Insurance$1,195$100
Travelers$1,254$105
USAA$1,489$124
First Liberty$1,529$127
Garrison$1,577$131
Farmers$1,767$147
State Farm$2,101$175
Foremost$2,628$219
Fire Insurance$2,748$229

Compare cheap homeowners insurance in Washington by ratings

It’s always wise to shop around and compare prices before you buy your home insurance. There are many factors that go into deciding the best homeowners insurance company. We have compared the insurers in Washington using their J.D. Power score and AM Best rating and put together a list of the cheap homeowners insurance companies.

CompanyJ.D. Power scoreAM Best rating
USAA882A++
State Farm835A++
Allstate829A+
Farmers813A
Nationwide812A+
Safeco810A
Liberty Mutual806A
Travelers800A++

How much is home insurance in Washington

The average Washington homeowners insurance is $1,514 for a policy with $300,000 dwelling coverage and $300,000 liability with a $1,000 deductible. Experts recommend at least $300,000 liability coverage to protect your home against lawsuits. The average Washington home insurance costs are $791 less than the national average.

Actual home insurance costs vary depending on multiple metrics, including location, claims history and discounts, such as auto and home bundling.

For instance, home insurance premiums are partially based on the home’s claims history (even from before you bought the property) and your neighbor’s claims history.

Homeowners insurance companies decide upon rates based on risks. If your neighborhood has seen many claims over the past few years, you can expect to pay higher home insurance rates than an area with few to no claims. Your credit score can also play a role in your home insurance costs.

Average annual premiumAverage monthly premium
$1,514$126

Cheapest homeowners insurance in Washington by ZIP code

Not every city in Washington have the same home insurance costs. The price of homeowners insurance depends on a lot of different factors and one of them is your zip code. The least expensive zip code for home insurance in Washington is 98221 with an average annual premium of $1,331 per year.

Find below the homeowners insurance annual and monthly rate for your zip code.

ZIP codeAverage annual premiumAverage monthly premium
98221$1,331$111
98245$1,333$111
98250$1,336$111
98364$1,338$112
98277$1,339$112
98261$1,345$112
98310$1,347$112
98345$1,349$112
98383$1,350$112
98109$1,352$113
98107$1,353$113
98311$1,355$113
98119$1,357$113
98117$1,358$113
98222$1,359$113

Know 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
Washington D.C.$1,488/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
Wisconsin$1,732/Year
West Virginia$2,486/Year
Wyoming$2,083/Year
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Les Masterson
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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.

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