Average Home Insurance Cost in Washington

Washington's average home insurance costs are $123 a month or $1,474 a year. That's $166 less a month than the national average. Washington ranks as the 10th least expensive state for home insurance coverage.

*These rates are for a frame construction home built in 2000 with $250,000 dwelling, $125,000 personal property, $200,000 liability coverage and a $1,000 deductible.

Your coverage amount is the biggest factor in Washington home insurance costs. A basic policy with $100,000 in dwelling coverage costs $891 per year; a policy with $1 million in dwelling coverage costs $4,522 per year. Higher coverage means the insurer is on the hook for a larger payout if your home is destroyed, so the premium rises to match that exposure.

Washington's low rates compared to the national average make it easy to pick a carrier without comparing prices. Foremost Insurance is the most affordable option in Washington at $943 a year. Capital Insurance Group follows at $1,000 a year, and Allstate rounds out the top three at $1,137 a year. Washington's below-average market can make any rate feel reasonable, but these three carriers show how much room there still is to pay less.

Seattle and its surrounding cities are among the most affordable places in Washington to insure a home, despite the region's high property values. The contrast is sharpest with Brewster, where wildfire exposure pushes rates to $1,869 per year, nearly $400 above the state average. Across most of Washington's major cities, where you live changes rates far less than which insurer you choose.

For Washington homebuyers comparing a newer home to an older one, the insurance difference comes to $28 per month for the same coverage level. Middle-aged and older homes price almost identically at $1,474 and $1,486 per year, so the decision point is really newer versus not-newer. Over ten years, that $340 annual difference can add up to $3,400 in insurance costs.

Home insurers read credit history as a sign of how responsible a homeowner is, including with property upkeep. People who stay on top of their finances tend to stay on top of home repairs too, which means fewer and smaller claims over time. Washington allows credit-based pricing, so your score has a direct effect on your annual premium. A Washington homeowner with excellent credit pays $1,000 a year. The same home with poor credit costs $2,844 a year, a $1,844 difference.

Washington homeowners pay 57% less for home insurance than the national average.

Washington's rates are already among the lowest in the country, but the difference between the cheapest and most expensive carrier in the state is more than $1,700 per year. Provider choice, coverage decisions and your credit score can each affect your premium.

Washington homeowners insurance costs vary based on your home and where you live. Here are answers to common questions about what affects your premium.

MoneyGeek calculated Washington home insurance estimates using real rate data across multiple risk factors. Our standard profile included $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in liability coverage and a $1,000 deductible, with a frame-construction home built in 2000, a composition roof and no claims in the past five years.

This profile reflects median home values and the most common home age in Washington. To isolate how each factor affects premiums, we changed one variable at a time while holding all others constant; for instance, comparing homes built in 1980, 2000 and 2020 at identical coverage levels.

Your actual rates will differ based on your home's age, construction, roof type, location, coverage amounts, claims history, credit score and insurer.