Updated: June 4, 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 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 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. Removing variables that make direct comparisons difficult shows that each company prices the same coverage the same way. 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 those 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 (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). His career began in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.
