Washington's average home insurance costs are $123 monthly or $1,474 annually. That's $166 less per month than the national average, making Washington the 10th least expensive state for home insurance coverage.
Average Home Insurance Cost in Washington
Updated: August 7, 2026
Advertising & Editorial Disclosure
Key Takeaways: Average Washington Home Insurance Rates
Washington home insurance averages $123 monthly or $1,474 annually, ranking as the 10 least expensive state for homeowners coverage.
The average home insurance rate in Washington changes by company, ranging from Foremost at $943 annually to COUNTRY Financial at $2,677.
Providers calculate your home insurance in Washington based on factors like your city, credit score and home's age.
How Much Is Home Insurance in Washington?
| Washington | $1,474 | $3,467 | -57% |
*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.
What Affects the Average Cost of Home Insurance in Washington?
Average Home Insurance Cost in Washington by Coverage Level
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.
| $100K Dwelling / $50K Personal Property / $100K Liability | $74 | $891 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $123 | $1,474 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $212 | $2,545 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $297 | $3,560 |
| $1MM Dwelling / $500K Personal Property / $1MM Liability | $377 | $4,522 |
REVIEW YOUR COVERAGE DURING HOME RENOVATIONS
Washington's strict building codes and high labor costs mean a renovation that adds $75,000 in value can cost significantly more than that to rebuild if your home is damaged. Call your insurer before starting to make sure your dwelling coverage reflects the updated replacement cost. Your policy won't automatically adjust coverage limits.
Average Home Insurance Rates in Washington by Company
Washington's low rates compared to the national average make it easy to pick a carrier without comparing prices. Foremost Insurance, Capital Insurance Group and Allstate are the three most affordable options at $943, $1,000 and $1,137 per year respectively. 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.
Average Washington Home Insurance Cost by City
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.
| Bellevue | $119 | $1,430 |
| Bothell | $116 | $1,393 |
| Brewster | $156 | $1,869 |
| Everett | $122 | $1,468 |
| Kent | $124 | $1,487 |
| Renton | $121 | $1,451 |
| Seattle | $117 | $1,406 |
| Snohomish | $127 | $1,524 |
| Spokane | $122 | $1,463 |
| Tacoma | $127 | $1,524 |
| Vancouver | $118 | $1,415 |
Washington Homeowners Insurance Costs by House Age
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-age 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.
| Newer | $96 | $1,146 |
| Middle Age | $123 | $1,474 |
| Older | $124 | $1,486 |
Average Home Insurance Cost in Washington by Credit Score
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.
| Excellent | $83 | $1,000 |
| Good | $123 | $1,474 |
| Fair | $142 | $1,698 |
| Below Fair | $173 | $2,078 |
| Poor | $237 | $2,844 |
Why Is Home Insurance So Affordable in Washington?
Washington homeowners pay 57% less for home insurance than the national average.
Competitive Insurance MarketMultiple national and regional carriers operate in Washington, creating competitive pressure that keeps rates lower. The Washington Office of the Insurance Commissioner actively regulates rate increases, requiring insurers to justify premium changes and preventing excessive rate hikes.
Strong Building Codes and Seismic StandardsWashington's strict building codes, particularly for seismic activity, reduce damage severity during earthquakes. The Washington State Building Code Council requires earthquake-resistant construction standards that exceed many other states.
Homes built to these higher standards sustain less damage during seismic events, keeping claim costs lower and premiums more affordable for homeowners.
Lower Natural Disaster Frequency Compared to High-Risk StatesWashington experiences fewer catastrophic weather events than coastal states facing hurricanes or the Midwest tornado zones. While the state deals with wildfires and occasional earthquakes, the overall disaster frequency remains lower than states like Florida, Texas or Louisiana.
According to the National Oceanic and Atmospheric Administration, Washington has an average of 0.8 severe weather events per year, resulting in fewer large-scale insurance claims that drive up premiums nationwide.
Tips to Save on Washington Home Insurance
You can find the cheapest home insurance in Washington.
- 1Calculate Coverage Needs
Start with your home's replacement cost and inventory your belongings to determine personal property coverage.
- 2Bundle Insurance Policies
Combine home and auto insurance with one provider to get 10% to 25% bundling discounts.
- 3Research Rates and Discounts
Use MoneyGeek's Washington home insurance calculator to get prices for your location and home specifications.
- 4Compare Multiple Providers
Get quotes from at least three insurers.
- 5Lower Risk Profile
A claim-free record saves you $235 to $432 per year when filing claims. Improving your credit reduces your premium by 29%.
Calculate Washington Homeowners Insurance Costs: FAQ
Washington homeowners insurance costs vary based on your home and where you live. Here are answers to common questions about what affects your premium.
Filing a claim in Washington increases your premium by $235 for one claim and $432 for two claims compared to claim-free customers. Homeowners without claims pay $1,474 annually on average.
One claim raises your rate to $1,709 per year, while two claims bump it to $1,906 annually. Claims stay on your record for five years, meaning you'll experience these higher premiums throughout that entire period.
Foremost Insurance offers the most affordable rates at $79 monthly, while COUNTRY Financial charges $223 monthly for similar coverage.
Nationwide costs $107 per month compared to State Farm's $114, a $7 monthly difference. These variations add up quickly over a year. Compare quotes from at least three insurers to find the best rate for your situation.
Yes, standard home insurance policies in Washington cover tornado damage. Home insurance covers wind damage from tornadoes, including damaged roofs, broken windows, and destroyed structures. The coverage applies to both your main dwelling and separate structures like garages or sheds.
You'll pay your deductible first before your insurance coverage begins. Washington experiences fewer tornadoes than other states, but coverage remains important.
Older homes in Washington cost 30% more to insure than newer properties. A home built in 2020 averages $1,146 annually, while an older home from 1980 costs $1,486 per year. That's a $340 difference. Middle-aged homes built around 2000 fall between these at $1,474 annually.
Insurance companies charge higher premiums for older homes because they experience greater risks from aging systems.
Maintaining a clean claims record delivers immediate savings. Homeowners with no claims over five years pay $235 less annually than those with one claim and $432 less than those with two claims in the same period.
Raising your deductible from $500 to $1,000 reduces your annual premium by $107. While this means higher out-of-pocket costs during claims, the yearly savings accumulate substantially over time.
Contact multiple insurers about available discounts for policy bundling, security system installations, or newer home features.
How We Analyzed Washington Home Insurance Rates
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.
About Mark Fitzpatrick
Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident expert in insurance and economics. He has spent nearly a decade covering the insurance market at LendingTree and MoneyGeek. There, he has analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.
Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.
Sources
- NOAA. "Washington Summary." Accessed August 23, 2026.
- Office of the Commissioner: Washington State. "Office of the Commissioner: Washington State." Accessed August 23, 2026.