Below are our picks for the best home and auto insurance bundling companies in Washington:
Best Home and Auto Insurance in Washington
Updated: April 8, 2025
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Key Takeaways
State Farm, USAA and Allstate are Washington's top home and auto insurance companies.
State Farm offers the best home and car insurance discount, with savings of 15% on auto and 30% on home insurance.
Washington's average annual home and auto insurance cost is $2,148, about 31% lower than the national average.
Who Offers the Best Home and Auto Insurance Bundles in Washington?
| Auto-Owners | 99 | $1,898 | $248 |
| Nationwide | 86 | $2,270 | $338 |
| State Farm | 82 | $1,852 | $521 |
| USAA | 82 | $2,628 | $453 |
| Allstate | 74 | $1,828 | $362 |
| Farmers | 67 | $2,411 | $300 |
State Farm: Best Cheap Home and Auto Insurance in Washington
State Farm offers some of Washington's lowest home and car insurance rates, with discounts of 15% on auto and 30% on home insurance. Its Steer Clear program helps young drivers earn discounts while improving their driving skills. In J.D. Power studies, State Farm ranks second for auto and seventh for home insurance customer satisfaction.
| Auto | $1,106 | $201 | 15% |
| Home | $746 | $320 | 30% |
USAA: Best Home and Auto Insurance in Washington for Military
USAA offers excellent home and auto insurance for military members and their families. It provides various discounts, including the SafePilot program, which rewards safe drivers with up to 30% savings on car insurance. It also offers special discounts for military members. In customer satisfaction, USAA leads all competitors for home and auto insurance in J.D. Power ratings.
| Auto | $786 | $60 | 7% |
| Home | $1,842 | $392 | 18% |
Allstate: Best Home and Auto Insurance Coverage Options in Washington
Allstate is Washington's most affordable home and auto insurance provider, slightly cheaper than State Farm. It offers many discounts, including Drivewise, which can save you up to 40% on car insurance. Allstate also provides unique coverage options like accident forgiveness, new car replacement and green improvement reimbursement, making it the top provider for coverage options.
| Auto | $1,265 | $191 | 13% |
| Home | $563 | $170 | 23% |
Washington Home and Auto Insurance Cost
Washington residents pay an average of $179 monthly for home and auto insurance, $79 less than the national average of $258. Depending on the provider, monthly costs range from $152 to $219.
| Washington home and auto insurance bundle | $2,148 | $946 | -31% |
| National home and auto insurance bundle | $3,094 | $0 | 0% |
Washington Home and Auto Insurance Quotes Without Bundling
While our research shows that not bundling home and auto insurance in Washington is cheaper, your quotes may vary. Below are the average costs of all coverage combinations using top providers without bundling, from cheapest to most expensive.
| USAA | Allstate | $1,580 |
| USAA | Nationwide | $1,773 |
| USAA | Farmers | $1,809 |
| Auto-Owners | Allstate | $1,824 |
| USAA | Auto-Owners | $1,903 |
| USAA | State Farm | $1,913 |
| Auto-Owners | Nationwide | $2,016 |
| State Farm | Allstate | $2,041 |
| Auto-Owners | Farmers | $2,052 |
| Auto-Owners | State Farm | $2,156 |
| State Farm | Nationwide | $2,233 |
| State Farm | Farmers | $2,269 |
| State Farm | Auto-Owners | $2,363 |
| Allstate | Nationwide | $2,382 |
| Nationwide | Allstate | $2,416 |
| Allstate | Farmers | $2,418 |
| Farmers | Allstate | $2,482 |
| Allstate | Auto-Owners | $2,512 |
| Allstate | State Farm | $2,522 |
| Nationwide | Farmers | $2,644 |
| Farmers | Nationwide | $2,675 |
| Nationwide | Auto-Owners | $2,738 |
| Nationwide | State Farm | $2,748 |
| Farmers | Auto-Owners | $2,805 |
| Farmers | State Farm | $2,815 |
| Auto-Owners | USAA | $3,324 |
| State Farm | USAA | $3,541 |
| Allstate | USAA | $3,690 |
| Nationwide | USAA | $3,916 |
| Farmers | USAA | $3,983 |
Should I Bundle Home and Auto Insurance in Washington?
For Washington drivers, bundling home and auto insurance usually costs more than buying from separate providers. However, assessing your specific coverage needs and financial situation is important to decide what's best for you.
Individual policies cost less in Washington
Buying separate policies can save you money. Washington's cheapest annual home and auto insurance costs $1,580 without bundling and $1,828 with bundling.
Bundling makes policy management convenient
Bundling insurance policies simplifies management through a single account, reducing hassle.
It might be better not to bundle in Washington
Purchasing nonbundled insurance can help you save money and provide more flexibility in coverage options.
Best Auto and Home Insurance in Washington: Bottom Line
Allstate, State Farm and USAA are Washington's top options for bundling home and auto insurance. However, buying policies separately typically costs less. Compare multiple companies and get quotes to find the best deal.
Home and Auto Insurance in Washington: FAQ
Get expert answers to common questions about Washington's home and auto insurance:
Who has the best home and auto insurance in Washington?
State Farm is the best cheap home and auto insurance provider for most Washington residents. USAA is the top option for military members. Allstate offers the best coverage in the state.
Who has the cheapest home and auto insurance in Washington?
Allstate offers the most affordable home and auto insurance bundle in Washington at $1,828 annually. Policyholders can save $362 per year compared to the state average.
How much does home and auto insurance in Washington cost on average?
Washington's average annual premium for bundling home and auto insurance is $2,148, below the national average by about 31%. The most affordable annual bundle rate is roughly $1,828, while the priciest is $2,628.
Is bundling home and auto insurance cheaper in Washington?
Bundling home and auto insurance costs more than buying separate policies in Washington, according to our research. While cheaper options seem attractive, make sure you have enough financial protection.
Best Auto and Home Insurance Bundle in Washington: Our Methodology
Bundle Scoring System
MoneyGeek calculated home and vehicle insurance rates using data from the Washington State Office of the Insurance Commissioner and Quadrant Information Services. We added customer satisfaction ratings from leading agencies, including AM Best and J.D. Power, to create individual home and auto insurance scores. We also examined each insurer's bundle discounts to measure savings potential.
We based the "bundle score" out of 100 on these weighted categories:
- Home insurance score: 40%
- Auto insurance score: 40%
- Discounts: 20%
Car, Home and Buyer Profile in Washington
MoneyGeek's typical profile includes:
- 40-year-old male
- Good driving history
- 2010 Toyota Camry LE
- 12,000 miles driven annually
- Home built in 2000
Coverage Levels in Washington
MoneyGeek analyzed rates for full coverage auto insurance with these limits:
- $100,000 property damage liability
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- Comprehensive and collision coverage with a $1,000 deductible
We also analyzed rates for homeowners insurance with the following coverage:
- $250,000 dwelling coverage
- $25,000 other structures coverage
- $100,000 personal property coverage
- $25,000 loss of use coverage
- $100,000 personal liability coverage
- $1,000 medical payments coverage
- All-perils coverage with a $1,000 deductible
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.