The best home insurance companies in Washington are State Farm, Nationwide, Chubb, Allstate and Foremost. State Farm leads in affordability, Nationwide excels in coverage options, and Chubb stands out for customer service. Compare all our top picks below.
Best Homeowners Insurance in Washington
State Farm is the best home insurance provider in Washington, earning a MoneyGeek score of 92 out of 100 and excelling in all five key homeowner insurance categories.
See if you're overpaying for home insurance below.

Updated: June 22, 2025
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Key Takeaways
Our 2025 study found Washington's top three home insurance companies: State Farm, Nationwide and Chubb.
State Farm offers the best overall home insurance for most Washington homeowners. For those with older homes, it's also the top choice.
To choose the best option, determine your coverage needs, research costs and company details, and compare multiple quotes.
Compare Home Insurance Rates
Ensure you're getting the best rate for your home insurance. Compare quotes from the top insurance companies.
Who Are the Best Home Insurance Companies in Washington?
State Farm | 92 | 1 | 2 | 4 |
Nationwide | 88 | 2 | 3 | 1 |
Chubb | 87 | 5 | 1 | 3 |
Allstate | 80 | 3 | 4 | 4 |
Foremost Insurance | 73 | 4 | 5 | 1 |
*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your specific profile. The tables below use the same methodology.
Best Homeowners Insurance Companies by Category
While our rankings highlight the best overall home insurance options, they may vary by home and homeowner categories. Below is a summary of the top choices for key categories.
State Farm | 92 | Overall |
State Farm | 91 | Older Home |
State Farm | 91 | Newer Homes |
State Farm | 92 | High-Fire-Risk Areas |
State Farm | 92 | Bad Credit |
State Farm | 92 | With Claims History |
Best Washington Home Insurance by City
Home insurance provider rankings in Washington cities vary widely based on policy affordability, local customer service, and available add-on coverage options. For instance, State Farm ranks best in Bellevue, Everett, Kent, Renton, Spokane, and Tacoma, while it also tops the list in Seattle and Vancouver. To help you choose the best provider for your location, we've outlined the top overall options for each city.
Bellevue | State Farm | 92 |
Everett | State Farm | 92 |
Kent | State Farm | 92 |
Renton | State Farm | 92 |
Seattle | State Farm | 91 |
Spokane | State Farm | 92 |
Tacoma | State Farm | 92 |
Vancouver | State Farm | 91 |
State Farm: Best Cheap Overall
State Farm is Washington's most cost-effective home insurance option. It delivers superior customer service and ranks seventh in customer satisfaction and eighth in claims satisfaction, per J.D. Power. The company also provides distinctive coverage features unavailable from most competitors, including underground utility protection and extended replacement cost reimbursement that shield homeowners from rising repair expenses.
Newer Homes | $69 | $827 |
Newer Homes in High-Fire-Risk Areas | $69 | $827 |
Older Homes | $110 | $1,324 |
Older Homes in High-Fire-Risk Areas | $110 | $1,324 |
How to Find the Best Home Insurance in Washington
Finding the right insurance can be tough, so we've created a step-by-step guide to help you easily navigate your options and choose the best coverage for your needs.
- 1
Determine your coverage needs
Before choosing a home insurance policy, decide on the coverage level you need. Consider your home's value, the personal belongings inside, and local risk factors like wildfire or flooding that might affect your coverage.
- 2
Research costs and discounts
Figure out how much home insurance costs in Washington to see if providers truly offer savings. Also, check for discounts you qualify for, such as bundling policies or installing home safety devices, to maximize your savings.
- 3
Find the best providers for you
After researching coverage and costs, narrow your search for the best and cheapest home insurance in Washington. Use guides and personal research to evaluate customer service ratings, pricing specific to your needs, and suitable coverage add-ons.
- 4
Compare multiple providers through all means
With your research complete, compare providers and check quotes through various methods, as online estimates may differ from those given by brokers or agents over the phone.
- 5
Review and finalize your policy
Once you've selected a provider, review the policy details carefully. Confirm that all personal and property information is correct, and understand the terms and conditions.
Best Homeowners Insurance in Washington: Bottom Line
State Farm, Nationwide, and Chubb are the top-rated homeowners insurance providers in Washington. While these are strong recommendations, researching and comparing options can help you find the best fit for your needs.
Best Home Insurance in Washington: FAQ
Discover answers to your questions about finding the right home insurance provider in Washington.
Which company is best for home insurance in Washington?
State Farm is the best homeowners insurance provider in Washington for their exceptional balance of affordability, customer service, and coverage options. Nationwide, Chubb, Allstate, and Foremost Insurance are also top-notch choices in the state.
Who has the most affordable homeowners insurance in Washington?
The most affordable homeowners insurance in Washington varies based on individual circumstances and property details. The average cost of homeowners insurance in Washington is $853 annually.
How do you get the best homeowners insurance in Washington?
To find the best home insurance in Washington, evaluate your coverage needs, investigate insurers and their rates, then compare several quotes.
How We Decided the Best Home Insurance in Washington: Our Methodology
We rated the best homeowners insurance providers in Washington using this methodology:
- Affordability (55%): Providers scored higher if they were more affordable across various factors. We also evaluated the range of discounts offered.
- Customer satisfaction (30%): Scores were based on ratings from sites like Trustpilot, app reviews and industry sources like J.D. Power. This included the buying process, policy management and claims handling.
- Coverage (15%): We assessed the number of add-on options, unique features and availability by state.
About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.