Average Cost of Homeowners Insurance in Washington (2025)

The average cost of homeowners insurance in Washington in 2024 is $1,410. This is $1,013 less than the national average of $2,423. Aside from the amount of coverage, the insurance provider has the largest impact on premiums in Washington, with a range of $2,104 between the lowest and highest premium options. If your rates have recently increased, our analysis of the cheapest policies in the state may help you find a more affordable option.

Washington homeowners pay $1,410 annually for policies with $250,000 dwelling, $125,000 personal property and $200,,000 liability coverage. That's below the national average.

How much coverage you need depends on what it costs to rebuild your home and replace everything inside. A policy with $100,,000 in dwelling coverage runs $867 per year. Own a bigger home needing $500,000 in dwelling coverage? You'll pay $2,451 annually. More coverage means higher premiums.

Home insurance premiums in Washington swing wildly between insurers, even for identical coverage. Allstate might charge you $741 per year while COUNTRY Financial quotes $2,633 for the same protection.

Washington has plenty of great providers if you want good value. Prices differ because companies assess risk differently, set their own underwriting rules and offer varying levels of customer service.

Homeowners in Washington with poor credit scores pay an average annual premium of $1,632 for homeowners insurance, which is $222 more than the overall average cost of $1,410. The impact of credit on insurance rates is clear as those with excellent credit pay $1,275 annually, enjoying a $135 savings compared to the state average.

While you may not be able to improve your credit score immediately, you can improve it over time to lower your rates. In the short-term, you can compare insurers to see which will save you the most.

Your roof type affects what you pay for insurance. Composition roofing costs less to insure than pricier materials. Shake-treated roofs look nice but drive up premiums because they need more maintenance and don't hold up well in bad weather.

What your home is built from matters too. Fire-resistant materials earn you lower rates. Standard frame construction is everywhere, but insurers see it as riskier and charge more.

The table's drop-down menus show how different materials change your premium.

New construction homes in Washington cost less to insure than existing homes. You'll pay an average of $854 annually for new construction, which is $556 less than the $1,410 average for existing homes. The table shows premium differences between new and existing construction, and you can adjust coverage amounts to match your needs.

In Washington, homeowners who have maintained a claim-free status for at least five years can expect an average annual premium of $1,410 for their homeowners insurance. However, if you've filed one claim within the past five years, the average premium jumps to $1,693—an increase of $283 from the base rate. Those with two claims in the same period have an even steeper hike, with an average annual premium of $1,908, marking a $498 uptick from the claim-free rate.

Premiums across Washington cities range from $1,324 to $1,460. Seattle homeowners pay around $1,324. Tacoma residents pay $1,460. Where you live affects your rate because crime levels and weather risks vary by city. Your location matters, but coverage amount affects your premium more.

Shopping for home insurance in Washington gets easier once you know the steps. You'll find a policy that fits your budget and coverage needs.

Want to cut your insurance bills in Washington? Bundle your home and auto policies. You'll save on the combined cost of both. Washington homeowners save around 8% by bundling, which comes out to $104 to $365 per year. Check out MoneyGeek's bundle analysis for details.

Washington homeowners have several ways to cut premiums through discounts.

• Claims-Free Discount: You save money when you haven't filed recent claims.
• Protective Devices Credit: Installing security systems or smoke detectors earns you a discount.
• Roof Upgrade Discount: Impact-resistant roofing materials lower your rate.

Our guide on how to shop and save on homeowners insurance covers more ways to save. Ask about every available discount when you get a quote so you don't miss any savings.

Use the resources below to get guidance on homeowners insurance in Washington.

• Washington State Office of the Insurance Commissioner: State resource for insurance regulations.
• Affordable Home Insurance in Washington: Find cheaper coverage options.
• Washington Homeowners Insurance Calculator: Estimate what you'll pay.
• High-Risk Home Insurance Coverage: Coverage for high-risk homes.
• Top Home Insurance Options in Washington: Compare top providers.
• Personal Property Coverage Essentials: Personal property insurance guide.
• Report Insurance Fraud: Report insurance fraud online.