Washington homeowners pay less for insurance than most Americans, about $1,474 annually compared to the $3,467 national average. Understanding what drives these costs and how to reduce them further helps you find the best coverage for your budget.
Average Home Insurance Cost in Washington
Updated: January 15, 2026
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Key Takeaways: Washington Home Insurance Rates
Washington home insurance costs $123 monthly or $1,474 annually, ranking as the fortieth most expensive state for homeowners coverage.
Find the best home insurance in Washington by assessing your coverage needs, gathering multiple quotes and researching provider costs.
MoneyGeek's free home insurance calculator helps you estimate costs in seconds without entering personal information.
How Much Is Home Insurance in Washington?
Washington's average home insurance premium costs $123 monthly or $1,474 annually. That's $166 less per month than the national average, making Washington the 40th most expensive state for home insurance coverage.
| Washington | $1,474 | $3,467 | -57% |
*These rates are for a frame construction home built in 2000 with $250,000 dwelling, $125,000 personal property, $200,000 liability coverage and a $1,000 deductible.
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$220
High
$144
Average
$104
Low
Rates updated:
Feb 07, 2026
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What Affects Average Washington Home Insurance Costs?
Washington home insurance costs vary based on multiple factors. Your location, coverage limits, home construction materials, insurance company, credit score and claims history all influence your premium.
Average Washington Homeowners Insurance Pricing by Coverage Level
Coverage choices determine your Washington home insurance costs. Basic protection with $100,000 dwelling coverage costs $891 annually, while comprehensive $1 million dwelling coverage reaches $4,522 per year.
| $100K Dwelling / $50K Personal Property / $100K Liability | $74 | $891 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $123 | $1,474 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $212 | $2,545 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $297 | $3,560 |
| $1MM Dwelling / $500K Personal Property / $1MM Liability | $377 | $4,522 |
REVIEW YOUR COVERAGE DURING HOME RENOVATIONS
Notify your insurer immediately when starting major home renovations. Remodeling increases your home's value, which may require higher dwelling coverage to match your increased replacement cost. Most policies won't automatically adjust coverage limits during renovations.
Average Cost of Washington Home Insurance by Company
Annual costs range from $943 with Foremost Insurance to $2,677 with COUNTRY Financial, a $1,734 difference for identical coverage. Most homeowners can find coverage between $1,000 and $1,600 annually.
| Foremost Insurance | $79 | $943 |
| Capital Insurance Group | $83 | $1,000 |
| Allstate | $95 | $1,137 |
| Nationwide | $107 | $1,280 |
| State Farm | $114 | $1,369 |
| USAA | $133 | $1,592 |
| Chubb | $149 | $1,794 |
| COUNTRY Financial | $223 | $2,677 |
Average Washington Home Insurance Cost by City
Seattle-area homeowners pay $1,406 annually and Bellevue at $1,430. Most urban areas cluster between $1,400 and $1,500 annually, though location-specific risks create variation.
| Bellevue | $119 | $1,430 |
| Bothell | $116 | $1,393 |
| Brewster | $156 | $1,869 |
| Everett | $122 | $1,468 |
| Kent | $124 | $1,487 |
| Renton | $121 | $1,451 |
| Seattle | $117 | $1,406 |
| Snohomish | $127 | $1,524 |
| Spokane | $122 | $1,463 |
| Tacoma | $127 | $1,524 |
| Vancouver | $118 | $1,415 |
Washington Homeowners Insurance Costs by House Age
Newer homes save homeowners about $340 annually compared to older properties. Homes built in 2020 cost $1,146 per year to insure, while 1980-era homes average $1,486 annually.
| Newer | $96 | $1,146 |
| Middle Age | $123 | $1,474 |
| Older | $124 | $1,486 |
Average Washington Home Insurance Cost by Credit Score
Your credit score directly affects your home insurance costs in Washington. Annual rates range from $1,000 to $2,844 based on your credit profile.
| Excellent | $83 | $1,000 |
| Good | $123 | $1,474 |
| Below Fair | $173 | $2,078 |
| Poor | $237 | $2,844 |
Why Is Home Insurance So Affordable in Washington?
Washington homeowners pay 57% less than the national average. Several geographic and economic factors contribute to Washington's affordability advantage.
Competitive Insurance Market
Multiple national and regional carriers operate in Washington, creating competitive pressure that keeps rates lower. The Washington Office of the Insurance Commissioner actively regulates rate increases, requiring insurers to justify premium changes and preventing excessive rate hikes.
Strong Building Codes and Seismic Standards
Washington's strict building codes, particularly for seismic activity, reduce damage severity during earthquakes. The Washington State Building Code Council requires earthquake-resistant construction standards that exceed many other states.
Homes built to these higher standards sustain less damage during seismic events, keeping claim costs lower and premiums more affordable for homeowners.
Lower Natural Disaster Frequency Compared to High-Risk States
Washington experiences fewer catastrophic weather events than coastal states facing hurricanes or the Midwest tornado zones. While the state deals with wildfires and occasional earthquakes, the overall disaster frequency remains lower than states like Florida, Texas or Louisiana.
According to the National Oceanic and Atmospheric Administration, Washington has an average of 0.8 severe weather events per year, resulting in fewer large-scale insurance claims that drive up premiums nationwide.
Tips to Save on Washington Home Insurance
Washington homeowners experience rising insurance costs, making it important to find the cheapest home insurance in Washington available. These proven strategies help you lower premiums whether you're buying your first home or reducing current expenses.
- 1Calculate Coverage Needs
Begin with your home's replacement cost using current construction prices, not market value. Inventory your belongings to determine personal property coverage.
- 2Bundle Insurance Policies
Combining home and auto insurance with one provider unlocks bundling discounts between 10% and 25%.
- 3Research Rates and Discounts
Use MoneyGeek's Washington home insurance calculator to estimate fair pricing for your location and home specifications.
- 4Compare Multiple Providers
Get quotes from at least three insurers and evaluate both price and service quality.
- 5Lower Risk Profile
Maintaining a claim-free record saves $235 to $432 annually compared to filing claims. Improving credit from below fair to good reduces premiums by 29%.
Calculate Washington Homeowners Insurance Costs: FAQ
Washington homeowners insurance costs depend on many factors specific to your home and location. These frequently asked questions help you understand what affects your premiums and estimate potential expenses.
How much will my premium increase after filing a claim in Washington?
Filing a claim in Washington increases your premium by $235 for one claim and $432 for two claims compared to claim-free customers. Homeowners without claims pay $1,474 annually on average.
One claim raises your rate to $1,709 per year, while two claims bump it to $1,906 annually. Claims stay on your record for five years, meaning you'll experience these higher premiums throughout that entire period.
How much can I save by choosing a different insurer in Washington?
Foremost Insurance offers the most affordable rates at $79 monthly, while COUNTRY Financial charges $223 monthly for similar coverage.
Nationwide costs $107 per month compared to State Farm's $114, a $7 monthly difference. These variations add up quickly over a year. Compare quotes from at least three insurers to find the best rate for your situation.
Does home insurance in Washington cover tornado damage?
Yes, standard home insurance policies in Washington cover tornado damage. Home insurance covers wind damage from tornadoes, including damaged roofs, broken windows, and destroyed structures. The coverage applies to both your main dwelling and separate structures like garages or sheds.
You'll pay your deductible first before your insurance coverage begins. Washington experiences fewer tornadoes than other states, but coverage remains important.
Why does home insurance cost more for older homes in Washington?
Older homes in Washington cost 30% more to insure than newer properties. A home built in 2020 averages $1,146 annually, while an older home from 1980 costs $1,486 per year. That's a $340 difference. Middle-aged homes built around 2000 fall between these at $1,474 annually.
Insurance companies charge higher premiums for older homes because they experience greater risks from aging systems.
How can I lower my home insurance costs in Washington?
Maintaining a clean claims record delivers immediate savings. Homeowners with no claims over five years pay $235 less annually than those with one claim and $432 less than those with two claims in the same period.
Raising your deductible from $500 to $1,000 reduces your annual premium by $107. While this means higher out-of-pocket costs during claims, the yearly savings accumulate substantially over time.
Contact multiple insurers about available discounts for policy bundling, security system installations, or newer home features.
How We Analyzed Washington Home Insurance Rates
MoneyGeek calculated Washington home insurance estimates by analyzing real rate data across different risk factors. This approach shows how specific circumstances affect what you actually pay for coverage.
We used a standard homeowner profile for our analysis: $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in liability coverage, and a $1,000 deductible. The profile includes a home built in 2000 with frame construction and a composition roof, plus no claims filed in the past five years.
This profile matches typical Washington homeowners and reflects median home values across many state markets. The 2000 construction year represents the most common home age category in Washington, making our comparisons relevant to most residents.
Our testing method changed one factor at a time while keeping everything else the same. For example, we compared homes built in 1980, 2000, and 2020 using identical coverage amounts and homeowner details. This process reveals how much each individual factor affects your premium.
Your actual rates will be different depending on your home's construction, roof type, age, location, coverage amounts, claims history, credit score, and chosen insurance company. The rate differences shown here demonstrate how much these factors matter when you shop for home insurance.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.
sources
- NOAA. "Washington Summary." Accessed January 5, 2026.
- Office of the Commissioner: Washington State. "Office of the Commissioner: Washington State." Accessed January 5, 2026.