On average, home insurance in Washington costs about $115 monthly or $1,380 annually. Homeowners in the Evergreen State pay $105 less per month, or $1,254 less annually, than the national average, making it the 35th most expensive state for home insurance.
Average Home Insurance Cost in Washington
Updated: May 29, 2025
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Rates updated:
Jun 06, 2025
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Key Takeaways
Depending on your financial history, home details and other personal information, home insurance costs in Washington can range from $1,255 to $5,298.
Washington's home insurance premiums are the 35th most expensive in the country, at 15% over the national average.
To find the best home insurance in Washington, determine your coverage needs, research providers and costs, and gather multiple quotes.
How Much is Home Insurance in Washington?
| Washington Average | $115 | $1,380 | -48% |
| National Average | $220 | $2,635 | 0% |
*These rates represent a home built in 2000 out of frame with $250K Dwelling, $125K Personal Property, and $200K Liability coverage with a $1,000 deductible.
Average Home Insurance Cost by City
Depending on your city, various risk factors, including your property’s age, weather-related factors and home valuations change drastically, affecting home insurance costs. For example, Bellevue's average monthly home insurance cost is around $109; in Tacoma, it’s much higher at $117.
| Bellevue | $109 | $1,303 |
| Everett | $115 | $1,380 |
| Kent | $114 | $1,365 |
| Renton | $111 | $1,328 |
| Seattle | $107 | $1,288 |
| Spokane | $107 | $1,282 |
| Tacoma | $117 | $1,401 |
| Vancouver | $105 | $1,264 |
*These rates represent a home built in 2000 out of frame with $250K Dwelling, $125K Personal Property, and $200K Liability coverage with a $1,000 deductible.
Why Is Home Insurance So Expensive in Washington?
Home insurance is expensive in Washington mainly because of the increasing number of claims, the high risk of severe weather and natural disasters, rising material and labor costs and state insurance laws. Below, we explain each factor in detail:
Rising Claims
As homeowners file more claims, insurance companies may raise premiums to cover the increased risk of payouts. Frequent claims suggest a higher likelihood of future claims, leading to higher costs for insurers and policyholders alike.
High Weather Risks
Areas with greater exposure to severe weather, such as hurricanes or wildfires, often face higher home insurance rates. Insurers adjust premiums to compensate for the increased risk of damage and subsequent claims in these regions.
Rising Material and Labor Costs
The cost to repair or rebuild homes is directly affected by the prices of construction materials and labor. When these expenses rise, insurers must increase premiums to ensure they can cover the higher costs of potential claims.
State Insurance Laws
State-specific insurance regulations can influence home insurance prices. Mandates on coverage requirements or rate changes can result in higher costs for insurers, which are typically passed on to consumers through increased premiums.
What Affects Washington Home Insurance Costs?
Like most home insurance companies, pricing is influenced by several factors:
- Location
- Coverage chosen
- Home build details
- Provider chosen
- Credit
- Claims history
We'll explore how each factor impacts rates in Washington.
How Much Does Location Affect Home Insurance Costs?
Location is the biggest factor affecting home insurance rates, with rates varying by up to 7.5%. Weather risks, home value and population density in your area play a major role in determining costs.
| Lowest | Washington Very Small Tier Aggregate | $108 | $1,292 |
| Highest | Washington State Remnant Tier Aggregate | $124 | $1,486 |
How Much Does Coverage Affect Home Insurance Costs?
Coverage choices are the second most influential factor in Washington home insurance rates, averaging from $766 to $4,987 per year. Higher coverage limits and lower deductibles increase premiums, while lower limits and higher deductibles reduce costs.
| Lowest | $100K Dwelling / $50K Personal Property / $100K Liability | 2000 | $64 | $766 |
| Highest | $1MM Dwelling / $500K Personal Property / $1MM Liability | 500 | $416 | $4,987 |
How Much Do Home Details Affect Home Insurance Costs?
Home details like age, construction materials and roof type are the third most influential factor in Washington homeowners insurance rates, averaging from $71 to $126 per month. These factors affect replacement costs and the risk of damage or theft, leading to rate differences.
| Lowest | New | Superior | Composition | $71 | $855 |
| Highest | Old | Frame | Shake-Treated | $126 | $1,516 |
How Much Does the Provider You Choose Affect Home Insurance Costs?
Your choice of insurer is the fourth most influential factor in Washington home insurance rates, with prices ranging from 32% below to 84% above the state average.
| Lowest | Capital Insurance Group | $83 | $995 |
| Highest | COUNTRY Financial | $223 | $2,680 |
How Much Does Credit Affect Home Insurance Costs?
A higher credit score makes you appear more reliable, which can lower your home insurance costs. Premiums vary by up to 24%, with annual average rates ranging from $1,320 to $1,686.
| Lowest | Excellent | $110 | $1,320 |
| Highest | Poor | $140 | $1,686 |
How Much Does Claims History Affect Home Insurance Costs?
In Washington, claims history has a smaller impact on homeowners insurance premiums than other factors, affecting rates by up to 16% or about $278 annually. Filing more claims increases perceived risk, leading to higher premiums. Depending on your claims history, rates can range from $121 to $166 monthly, or $1,457 to $1,991 annually.
| Lowest | Claim free for 5+ years | $121 | $1,457 |
| Highest | 2 claims in past 5 years | $166 | $1,991 |
Tips to Save on Washington Home Insurance
With the Evergreen State's high home insurance costs, saving on premiums is crucial, whether buying a home or cutting expenses. Below are tips to secure the best and cheapest home insurance in Washington tailored to your needs.
- 1
Find How Much Coverage You Need Beforehand
Determining how much home insurance you need before buying allows you to frame how you search for coverage and avoid being oversold by agents. In addition to standard coverage options, consider if you need add-ons to protect any additional items you own. Learn more about determining how much home insurance you need.
- 2
Research Costs and Discounts Beforehand
To determine if you’re getting a good deal, understand the average costs for you and your home. Also, ask agents about all available home insurance discounts, as some insurers apply certain reductions only if requested.
- 3
Compare Multiple Providers Through Different Avenues
Compare multiple insurers apples to apples to find the best coverage for your needs. Use various methods, including online comparison sites, brokers, provider websites and agents, as quotes vary significantly across these channels.
- 4
Consider Bundling Policies
Bundling policies can lead to significant savings. For example, combining home and auto insurance in your state can save up to xx% on home insurance and $xx annually on both policies.
- 5
Reduce Your Personal Risk Profile
To get cheaper premiums on your home, consider making improvements like adding storm shutters or home security systems. Also, improving your credit score can decrease premiums drastically. For example, moving from a fair to a good credit score can save you 28% on average.
- 6
See if You Are Eligible for State Programs
Explore state programs to help get affordable coverage if traditional insurers deny you coverage. For instance, the Washington TFPA policy can insure you if traditional insurers deny you coverage. While TFPA plans don’t offer the same coverage amount as traditional policies, they meet mortgage requirements.
Washington Home Insurance Calculator: Bottom Line
Home insurance costs vary, mainly due to location and coverage. For affordable rates, know your needs and typical costs. Then, find your best deal with our estimate tool.
Homeowners Calculator Insurance Washington: FAQ
The cost of home insurance in Washington depends on several factors. To help you estimate your expenses, MoneyGeek answers common questions about home insurance in the state.
How much does homeowners insurance cost in Washington?
Washington's average monthly home insurance cost is $115 for a dwelling coverage of $250K. However, your rate will depend on factors like your credit score, liability and property coverage limits, and deductible.
How do I know how much dwelling coverage to get?
Homeowners can estimate their required dwelling coverage by calculating the cost to replace their home after damage, often with help from an appraiser. While this study uses a baseline coverage of $250K, you can use the MoneyGeek homeowners insurance calculator to find the best coverage limit for your needs.
What factors affect home insurance costs the most?
The biggest factors affecting home insurance costs are your location, chosen coverage level and provider. Your credit score and home details also play a crucial role.
How We Determined Our Washington Home Insurance Estimates
When determining the average cost of home insurance in Washington, we used a base profile for a simple estimate consistent with the following:
- $250,000 dwelling coverage
- $125,000 personal property coverage
- $200,000 liability coverage
- Home Built Year: 2000
- Construction type: Frame
- Roof type: Composition
- $1,000 deductible
- No claims in the past 5+ years
- Fire protection level of 3
However, rates will vary widely depending on factors such as coverage level, provider chosen, the age of the home, other features of the home, insured credit and claims history, among other factors. All other combinations presented in this article assume the home was built in 2000.
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.