Cheapest Home Insurance in Washington


Enter your ZIP code to get started

Shield

Free. Simple. Secure.

Key Takeaways

blueCheck icon

Capital Insurance Group and Nationwide offer the lowest-cost home insurance in Washington overall, with potential savings of up to 93%.

blueCheck icon

Nationwide offers the cheapest homeowners insurance in Washington if you own a new home or have bad credit.

blueCheck icon

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 is the cheapest home insurance option for most homeowners in the Evergreen State, with an average monthly savings of $416. Below is a summary of the most affordable providers in the state.

Capital Insurance Group$83$99528%
Allstate$85$1,01826%
Nationwide$85$1,01926%
Foremost Insurance$88$1,05124%

*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.

mglogo icon
THE CHEAPEST COMPANY MAY NOT BE THE BEST FOR YOU

While these companies may offer the lowest rates in Washington, evaluating their customer service reputation and coverage options is important. To help, we’ve created a separate guide to the best home insurance companies in Washington, providing a more comprehensive overview.

Cheapest Washington Home Insurance Rates by Category

While we’ve listed the cheapest options for most homeowners, those rates may not reflect your specific situation. For instance, while Nationwide is typically the cheapest overall, it offers the best rates for newer homes. To help, we’ve outlined the cheapest companies on average for common categories.

Capital Insurance GroupOlder Homes$83
NationwideNewer Homes$41
NationwideHomes in High Risk Fire Areas$89
Capital Insurance GroupBad 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 typically provide the best rates for their categories, but actual rates vary based on your unique profile. Use the filter below to get a personalized list of the cheapest providers for your situation.

Data filtered by:Results filtered by:
Select
Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
Select
Deductible:1000
Select
Claims History:Claim free for 5+ years
Select
Credit Tier:Good
Select
Home Age: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. For example, Capital Insurance Group offers the cheapest rates in most cities. However, Foremost Insurance provides lower rates in cities like Everett, Kent, and Renton.

BellevueCapital Insurance Group$74
EverettForemost Insurance$82
KentForemost Insurance$82
RentonForemost Insurance$82
SeattleCapital Insurance Group$64
SpokaneCapital Insurance Group$68
TacomaCapital Insurance Group$81
VancouverCapital 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 significantly lower your costs with some effort. Below are our core recommendations to help you maximize savings on your policy.

  1. 1

    Determine your coverage needs

    It's easy to 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 ensure you don't miss something important.

  2. 2

    Research 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.

  3. 3

    Bundle your policies

  4. 4

    Compare 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.

  5. 5

    Use state-provided programs

    If you have a high-risk profile and face coverage denials or 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. Denied coverage? Turn to state programs for low-cost policies. Always compare multiple companies, research costs, and know your coverage needs before choosing.

Cheapest Home Insurance Washington: FAQ

Below are answers to frequently asked questions about the cheapest home insurance in Washington:

What is the cheapest home insurance company in Washington?

How expensive is home insurance in Washington?

How much is home insurance in Washington?

How much home insurance do I need?

How We Found the Cheapest Home Insurance Companies in Washington

To determine the cheapest home insurance companies in Washington, we assumed the following base profile:

  • $250K dwelling coverage
  • $125K personal property coverage
  • $200K liability coverage
  • Home built in 2000
  • Frame construction
  • Composition roof
  • $1,000 all perils deductible
  • No claims in the past 5+ years
  • 3-class fire protection

All other combinations were adjusted based on this profile to provide a more accurate comparison for your specific situation. However, these figures are estimates, and we recommend comparing quotes from multiple providers to secure the best deal.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

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.


Copyright © 2025 MoneyGeek.com. All Rights Reserved