Updated: September 1, 2026
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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.
Home insurance rates in Washington vary by city based on local risk factors like weather, crime and claims history. Foremost has the cheapest rates in Bellevue and Spokane, while Capital Insurance Group offers lower premiums in Bothell and Seattle. Comparing quotes from multiple insurers is the best way to find the lowest rate for your address.
| 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 |
At the basic coverage level ($100,000 dwelling, $50,000 personal property and $100,000 liability), Foremost has Washington's lowest rate at $539 per year. Allstate has the cheapest premiums for mid-range and high-value homes. At the $1 million dwelling, $500,000 personal property and $1 million liability level, Capital Insurance Group is the most affordable option.
| 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 this discount to Washington homeowners.
A higher deductible lowers your annual premium. Pick an amount you can still cover out of pocket at claim time.
Washington insurers can set rates using credit-based insurance scores. A better credit score can cut hundreds of dollars off your annual home insurance premium.
Three or more claims within three years trigger rate increases. Save your homeowners policy for major losses and pay for small repairs yourself.
Call your insurer and ask what discounts you qualify for beyond bundling. Recheck your policy each year, since new discounts may apply as your situation changes.
Frequently asked questions about the cheapest home insurance in Washington:
Standard homeowners insurance in Washington covers tornado damage under dwelling and personal property coverage. Washington has a relatively low tornado risk compared to other states, but check your policy for any exclusions that may apply.
Flood insurance isn't required statewide, but mortgage lenders require it for homes in FEMA high-risk flood zones. Standard homeowners insurance doesn't cover flood damage, so without a separate flood policy, you could pay thousands out of pocket for water damage repairs.
Replacement cost coverage pays to rebuild or replace damaged property at current prices, with no deduction for age or wear. Actual cash value coverage subtracts depreciation, paying only what the property was worth before the damage occurred. Most Washington lenders require replacement cost coverage.
You can cancel your Washington home insurance at any time, though some insurers charge cancellation fees. You'll usually get a prorated refund for unused premium. Because your mortgage lender requires continuous coverage, set up a new policy before canceling to avoid a gap.
We collected quotes from major insurers using a consistent homeowner profile across Washington. Holding these variables constant lets us compare how each company prices the identical coverage. This base profile reflects the most common home insurance scenario in Washington.
Standard Coverage Profile:
For specialty scenarios like older homes, high-value properties and rural locations, we changed individual variables from this base profile while holding the rest constant. The resulting rate differences show how those characteristics affect cost against 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.
Mark Fitzpatrick is a licensed Property and Casualty (P&C) Insurance Producer in Connecticut and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's 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.
