On average, home insurance in Washington costs about $115 monthly or $1,380 annually. Homeowners in Washington pay $105 less per month, or $1,254 less annually, than the national average.
Average Home Insurance Cost in Washington
Updated: November 12, 2025
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$220
High
$144
Average
$104
Low
Rates updated:
Nov 12, 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.
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 pay 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
How Much Does Location Affect Home Insurance Costs?
Location drives home insurance rates more than any other factor, causing up to 7.5% variation statewide. What you pay depends on weather risks, home values and population density where you live.
| 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?
Your coverage decisions have the second-biggest impact on premiums, creating annual costs between $766 and $4,987. Want higher limits and lower deductibles? You'll pay more. Choose lower limits and higher deductibles? You'll pay less.
| 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?
Your home's age, construction materials and roof type rank third for premium impact at $71 to $126 monthly. Insurers price these details based on replacement costs and damage likelihood.
| 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?
Which company you pick ranks fourth for rate impact. Prices swing from 32% under the state average to 84% over it.
| Lowest | Capital Insurance Group | $83 | $995 |
| Highest | COUNTRY Financial | $223 | $2,680 |
How Much Does Credit Affect Home Insurance Costs?
Better credit signals reliability to insurers and cuts your costs. Credit-based pricing creates a 24% spread, with annual premiums 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?
Claims history matters less than other factors in Washington but still shifts rates by 16% (about $278 yearly). Multiple claims signal higher risk to insurers. Monthly costs run $121 to $166 ($1,457 to $1,991 yearly) based on how often you've filed.
| 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
Washington homeowners pay steep rates, making savings important for buyers and budget-cutters alike. Check out the cheapest home insurance in Washington that fits your situation.
- 1Find 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.
- 2Research 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.
- 3Compare 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 across these channels.
- 4Consider Bundling Policies
Bundling policies can lead to significant savings.
- 5Reduce 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.
- 6See 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
Washington splits into two insurance worlds. West of the Cascades, you're pricing in earthquake exposure and relentless rain that tests roofs and foundations. East of the mountains, wildfire smoke and temperature swings from subzero winters to 100-degree summers create different vulnerabilities. We designed this analysis to show which factors move your premium in your specific risk zone.
The baseline: We pulled rates for a 2000-built frame home with composition roofing. Coverage limits: $250,000 dwelling, $125,000 personal property, $200,000 liability. Deductible: $1,000. Claims history: clean for five years. Fire protection class: 3. These specs mirror what most Washington homeowners actually buy given the state's median home values and standard construction.
How we isolated each factor: We gathered pricing from major Washington insurers, then changed one variable at a time. Coverage testing moved from basic to comprehensive dwelling amounts. Home comparisons spanned different construction years and materials. Credit analysis tracked premium shifts across score ranges. Claims testing showed future rate impacts. Provider comparisons revealed which companies price identical homes differently.
Why start with a 2000 build year: Most insured Washington homes date to this era, giving us an apples-to-apples baseline. Every rate comparison assumes this construction year unless we state otherwise, so you see isolated impacts rather than confounded variables.
The controllable factors: We focused on what you actually steer when shopping. Pick your coverage limits based on replacement costs, not arbitrary round numbers. Compare companies because identical homes get quoted 84% apart. Rebuild credit since it swings premiums 24%. Understand how your frame versus masonry construction, composition versus shake roof, and 1980 versus 2020 build date stack up. Western Washington gets 50-plus inches of rain annually while eastern areas see under 10 inches. That gap means your construction choices and insurer selection determine whether you're overpaying or properly covered.
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.