Capital Insurance Group is the cheapest home insurance option for most Washington homeowners, with an average monthly savings of $416. Here's a summary of the most affordable providers in the state.
Cheapest Home Insurance in Washington
Updated: October 27, 2025
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Key Takeaways
Capital Insurance Group and Nationwide offer the lowest-cost home insurance in Washington overall, with potential savings of up to 93%.
Nationwide offers the cheapest homeowners insurance in Washington if you own a new home or have bad credit.
Nationwide offers the most affordable home coverage for those in high-risk fire areas in Washington.
What is the Cheapest Home Insurance in Washington?
| Capital Insurance Group | $83 | $995 | 28% |
| Allstate | $85 | $1,018 | 26% |
| Nationwide | $85 | $1,019 | 26% |
| Foremost Insurance | $88 | $1,051 | 24% |
*These rates are based on a house built in 2000 with a $1,000 deductible, $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in liability coverage and class 3 fire protection. The insured is assumed to have good credit and no claims in the past five years.
THE CHEAPEST COMPANY MAY NOT BE THE BEST FOR YOU
These companies offer the lowest rates in Washington, but you should also evaluate their customer service reputation and coverage options. Check our separate guide to the best home insurance companies in Washington for a more comprehensive overview.
Cheapest Washington Home Insurance Rates by Category
We've listed the cheapest options for most homeowners, but those rates may not reflect your specific situation. Nationwide offers the best rates for newer homes. Here are the cheapest companies for common categories.
| Capital Insurance Group | Older Homes | $83 |
| Nationwide | Newer Homes | $41 |
| Nationwide | Homes in High Risk Fire Areas | $89 |
| Capital Insurance Group | Bad Credit | $83 |
*Rates are modified based on our methodology’s base profile. Newer home estimates are based on a home built in 2023, high-risk fire estimates are for a policy with 8-class fire protection, and bad credit rates assume a poor credit score on the FICO scale.
Compare Personalized Cheap Washington Home Insurance
The companies listed above provide the best rates for their categories, but actual rates vary based on your unique profile. Use the filter to get a personalized list of the cheapest providers for your situation.
Data filtered by:
$250K Dwelling / $125K Personal Property / $200K Liability
1000
Claim free for 5+ years
Good
Older Homes
| Nationwide | $86 | $1,034 |
| Capital Insurance Group | $90 | $1,076 |
| Allstate | $92 | $1,109 |
| Foremost Insurance | $98 | $1,175 |
| State Farm | $110 | $1,324 |
Cheapest Washington Home Insurance By City
Risk factors for insurers vary by location, making some providers more affordable than others. Capital Insurance Group offers the cheapest rates in most cities. Foremost Insurance provides lower rates in Everett, Kent and Renton.
| Bellevue | Capital Insurance Group | $74 |
| Everett | Foremost Insurance | $82 |
| Kent | Foremost Insurance | $82 |
| Renton | Foremost Insurance | $82 |
| Seattle | Capital Insurance Group | $64 |
| Spokane | Capital Insurance Group | $68 |
| Tacoma | Capital Insurance Group | $81 |
| Vancouver | Capital Insurance Group | $67 |
*These rates are based on a house built in 2000 with a $1,000 deductible, $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in liability coverage and class 3 fire protection. The insured is assumed to have good credit and no claims in the past five years.
How To Find the Cheapest Washington Home Insurance for You
Finding affordable home insurance in Washington can be challenging, but you can lower your costs with some effort. Here are our core recommendations to maximize savings on your policy.
- 1Determine your coverage needs
You can get oversold on coverage when you don't have limits in mind before buying. Determine your home insurance coverage needs beforehand to avoid purchasing too much. Understanding the different types of home protection available helps you avoid missing something important.
- 2Research home insurance cost information
Analyze home insurance costs in Washington to understand affordable coverage options. Question agents about all applicable discounts because these reductions won't be automatically applied to your policy.
- 4Compare multiple companies apples to apples
To ensure you’re getting a good deal, compare quotes for the same coverage. Once aligned, gather as many quotes as possible using different methods to find the best rate.
- 5Use state-provided programs
If you have a high-risk profile and get denied coverage or see unaffordable rates, Washington offers a state program through the Washington FAIR Plan. This program provides coverage for those denied by traditional insurers, often at a lower cost than insurers willing to approve you.
Cheap Home Insurance Washington: Bottom Line
Capital Insurance Group, Allstate and Nationwide offer Washington's most affordable home insurance options. Got denied coverage? Turn to state programs for low-cost policies. Compare multiple companies, research costs and know your coverage needs before choosing.
Cheapest Home Insurance Washington: FAQ
Below are answers to common questions about the cheapest home insurance in Washington:
What is the cheapest home insurance company in Washington?
Nationwide offers the lowest rates for newer homes in Washington at $41 per month or $491 per year. Homeowners with older properties or higher fire protection needs may find better rates with Capital Insurance Group.
How expensive is home insurance in Washington?
Washington has the 44th highest home insurance rates in the U.S.
How much is home insurance in Washington?
To ensure adequate protection for your home, secure dwelling coverage that matches the full replacement cost. Also, consider the worth of personal belongings, potential local risks, and any unique, valuable items.
While not legally mandated without a mortgage, it’s wise to secure enough coverage to rebuild your home post-disaster. Supplement this with an amount that safeguards personal property and accounts for specific local dangers or precious items you own.
How much home insurance do I need?
Secure dwelling coverage that matches the full replacement cost to protect your home. Also consider the worth of personal belongings, potential local risks and any unique, valuable items.
Home insurance isn't legally required without a mortgage, but you should secure enough coverage to rebuild your home after a disaster. Add coverage that protects personal property and accounts for local dangers or precious items you own.
How We Found the Cheapest Home Insurance Companies in Washington
Washington homeowners need rates that reflect their specific property risks, from Seattle's urban density to Spokane's different climate concerns. We built our analysis around real Washington homeowner profiles to help you find affordable coverage that actually fits your situation.
Our base profile: We analyzed rates for a $250,000 home built in 2000 with frame construction, a composition roof and 3-class fire protection. The profile includes $250,000 dwelling coverage, $125,000 personal property coverage, $200,000 liability coverage and a $1,000 all perils deductible. We assumed good credit and no claims in the past five years.
Why these choices matter: Washington's diverse housing stock ranges from newer construction to older homes needing different protection levels. The 2000 build year represents the median age of homes in the state, giving you a realistic baseline. We selected 3-class fire protection because most Washington homeowners live in areas with this rating, though urban Seattle residents often have better ratings while rural homeowners may have higher class numbers.
Coverage levels explained: The $250,000 dwelling coverage matches typical Washington home values outside major metro areas. Personal property at 50% of dwelling coverage ($125,000) follows standard insurance industry ratios. The $200,000 liability coverage provides strong protection against lawsuits without inflating premiums unnecessarily.
Credit matters: Washington insurers use credit-based insurance scores heavily when setting rates. Our good credit assumption shows standard pricing, but we also analyzed bad credit scenarios since credit problems can double your premiums in this state.
Adjusting for your situation: We modified this base profile across multiple variables: newer homes built in 2023, older homes, different fire protection classes, various credit tiers and claim histories. The interactive filters on this page let you see exactly how rates change based on your specific home characteristics.
These figures are estimates based on publicly available rate data. Compare quotes from multiple providers to confirm the best deal for your exact property and circumstances.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.