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.
Cheapest Home Insurance in Washington
Washington's cheapest home insurance rates start at $41 per month, and the most affordable companies are Nationwide, Capital Insurance Group and Allstate.
Get affordable home insurance quotes below.

Updated: May 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
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 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 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.
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.
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 significantly lower your costs with some effort. Below are our core recommendations to help you maximize savings on your policy.
- 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
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.
- 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
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?
Nationwide offers the lowest rates for newer homes in Washington at $41 per month or $491 per year. However, 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?
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 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, 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.