Updated: February 1, 2026
Advertising & Editorial Disclosure
Foremost offers the cheapest homeowners insurance in Washington, with average rates of $943 annually,
Capital Insurance Group, Allstate, Nationwide and State Farm join Foremost with costs 7% to 36% below Washington's $1,474 average.
Bundle your home and auto insurance policies to save 10% to 25% on premiums — one of the biggest discounts Washington insurers offer.
Foremost is the cheapest home insurance company in Washington at $943 annually. Capital Insurance Group ranks second at $1,000 per year and covers all Washington residents. The five most affordable insurers save you $105 to $531 compared to the state average.
| Foremost Insurance | $79 | $943 | -36% |
| Capital Insurance Group | $83 | $1,000 | -32% |
| Allstate | $95 | $1,137 | -23% |
| Nationwide | $107 | $1,280 | -13% |
| State Farm | $114 | $1,369 | -7% |
*The rates above are for homeowners ages 41 to 60 with good credit and no claims history. Quotes are for a home built in 2000 insured for $250,000 in dwelling coverage, $125,000 in personal property coverage and $200,000 in liability coverage with a $1,000 deductible.
According to our cost research, Foremost offers the lowest rates for newer homes and high-risk fire zones. Capital Insurance Group provides better value for seniors and larger properties.
| Older Homes | Foremost Insurance | $987 |
| Newer Homes | Foremost Insurance | $569 |
| Young Homeowners | Foremost Insurance | $985 |
| Senior Homeowners | Capital Insurance Group | $921 |
| High-Risk Fire Homes | Foremost Insurance | $1,057 |
| Smaller Homes | Capital Insurance Group | $963 |
| Larger Homes | Capital Insurance Group | $1,100 |
The cheapest company may not be your best fit. Customer service quality, coverage options and claims handling matter beyond price. Our guide to the best home insurance companies in Washington compares insurers across these factors.
Insurance costs vary across Washington cities based on local risk factors. Foremost offers the cheapest rates in Bellevue and Brewster, while Capital Insurance Group provides lower premiums in Bothell and Seattle. Your location plays a major role in determining which insurer offers the best value.
| Bellevue | Foremost Insurance | $936 |
| Bothell | Capital Insurance Group | $919 |
| Brewster | Foremost Insurance | $1,236 |
| Everett | Foremost Insurance | $919 |
| Kent | Foremost Insurance | $919 |
| Renton | Foremost Insurance | $919 |
| Seattle | Capital Insurance Group | $845 |
| Snohomish | Foremost Insurance | $919 |
| Spokane | Foremost Insurance | $919 |
| Tacoma | Foremost Insurance | $919 |
| Vancouver | Foremost Insurance | $919 |
For basic coverage at $100,000 dwelling, $50,000 personal property and $100,000 liability, Foremost offers Washington's lowest rate at $539 annually. Allstate delivers the most affordable premiums for mid-range and high-value homes, while Capital Insurance Group is the cheapest option at the $1 million dwelling, $500,000 personal property and $1 million liability level.
| Foremost Insurance | $45 | $539 |
| Capital Insurance Group | $56 | $674 |
| Nationwide | $56 | $677 |
| State Farm | $65 | $785 |
| Chubb | $70 | $834 |
Washington homeowners can cut their insurance costs by hundreds of dollars annually through discounts, higher deductibles and smart home improvements.
Combine your home and auto insurance with the same company to save 10% to 25% on both policies. State Farm, Allstate and Progressive offer bundle discounts to Washington homeowners.
Raise your deductible to lower your annual premium, though you'll pay more out of pocket when filing a claim. Choose a deductible amount you can afford if you need to file a claim.
Washington allows insurers to use credit-based insurance scores when setting rates. Improving your credit score can save you hundreds of dollars annually on your home insurance premium.
Filing multiple claims within three years triggers rate increases. Use homeowners insurance for major losses rather than small repairs you can afford.
Contact your insurer to find all discounts you qualify for beyond bundling. Review your policy annually to add new discounts as your situation changes.
Frequently asked questions about the cheapest home insurance in Washington:
Standard homeowners insurance in Washington covers tornado damage through your dwelling and personal property coverage. Washington has a relatively low tornado risk compared to other states, though it's worth reviewing your policy for any specific exclusions.
Flood insurance isn't required statewide in Washington, but mortgage lenders require it for homes in FEMA high-risk flood zones. Standard homeowners insurance doesn't cover flood damage. Without flood coverage, you could pay thousands out of pocket for water damage repairs.
Replacement cost coverage pays to rebuild or replace damaged property at today's prices without deducting for age or wear. You get enough money to restore your home to its original condition. Actual cash value coverage subtracts depreciation, paying only what your property was worth right before the damage. Most Washington lenders require replacement cost coverage.
You can cancel your Washington home insurance anytime, though some insurers charge cancellation fees. You'll typically receive a prorated refund for unused premium. Your mortgage lender requires continuous coverage, so arrange new insurance before canceling to avoid gaps.
Our rate analysis reflects what most Washington homeowners need: standard coverage for a typical single-family home built within the past 25 years.
We collected quotes from major insurers using a consistent homeowner profile across Washington. This approach shows how each company prices the same coverage by removing variables that make direct comparisons difficult. The base profile represents the most common home insurance scenario in Washington.
Standard Coverage Profile:
For specialty scenarios like older homes, high-value properties and rural locations, we adjusted variables from this base profile while keeping other factors constant. This shows how specific characteristics affect your rate compared to the standard homeowner.
These figures are estimates based on statewide averages. Your actual premium depends on your home's location, age, construction type and your claims history. Compare quotes from at least three insurers to find your lowest rate.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
