The best home insurance companies in Washington are State Farm, Nationwide, Chubb, Allstate and Foremost. State Farm leads in affordability, Nationwide excels in coverage options, and Chubb stands out for customer service. Compare all our top picks below.
Best Homeowners Insurance in Washington
Updated: November 12, 2025
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Key Takeaways
Our 2025 study found Washington's top three home insurance companies: State Farm, Nationwide and Chubb.
State Farm offers the best overall home insurance for most Washington homeowners. It's also the top choice for those with older homes.
To choose the best option, determine your coverage needs, research costs and company details, and compare multiple quotes.
Who Are the Best Home Insurance Companies in Washington?
| State Farm | 92 | 1 | 2 | 4 |
| Nationwide | 88 | 2 | 3 | 1 |
| Chubb | 87 | 5 | 1 | 3 |
| Allstate | 80 | 3 | 4 | 4 |
| Foremost Insurance | 73 | 4 | 5 | 1 |
*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your specific profile. The tables below use the same methodology.
Best Homeowners Insurance Companies by Category
Our rankings show the best overall home insurance, but top picks change depending on your home type and situation. Here's who leads in specific categories.
| State Farm | 92 | Overall |
| State Farm | 91 | Older Home |
| State Farm | 91 | Newer Homes |
| State Farm | 92 | High-Fire-Risk Areas |
| State Farm | 92 | Bad Credit |
| State Farm | 92 | With Claims History |
Best Washington Home Insurance by City
Home insurance provider rankings in Washington cities vary widely based on policy affordability, local customer service, and available add-on coverage options. For instance, State Farm ranks best in Bellevue, Everett, Kent, Renton, Spokane, and Tacoma, while it also tops the list in Seattle and Vancouver. To help you choose the best provider for your location, we've outlined the top overall options for each city.
| Bellevue | State Farm | 92 |
| Everett | State Farm | 92 |
| Kent | State Farm | 92 |
| Renton | State Farm | 92 |
| Seattle | State Farm | 91 |
| Spokane | State Farm | 92 |
| Tacoma | State Farm | 92 |
| Vancouver | State Farm | 91 |
State Farm: Best Cheap Overall
State Farm is Washington's most cost-effective home insurance option. It delivers superior customer service and ranks seventh in customer satisfaction and eighth in claims satisfaction, per J.D. Power. The company also provides distinctive coverage features unavailable from most competitors, including underground utility protection and extended replacement cost reimbursement that shield homeowners from rising repair expenses.
Data filtered by:
$250K Dwelling / $125K Personal Property / $200K Liability
1000
Good
Claim free for 5+ years
| Newer Homes | $69 | $827 |
| Newer Homes in High-Fire-Risk Areas | $69 | $827 |
| Older Homes | $110 | $1,324 |
| Older Homes in High-Fire-Risk Areas | $110 | $1,324 |
How to Find the Best Home Insurance in Washington
Finding the right insurance can be tough, so we've created a step-by-step guide to help you easily navigate your options and choose the best coverage for your needs.
- 1Determine your coverage needs
Pick how much coverage you need before shopping for policies. Factor in your home's worth, what you own, and local threats like wildfires or floods that change what protection you'll need.
- 2Research costs and discounts
Learn what home insurance costs in Washington so you can spot real deals. Find out which discounts apply to you, like bundling policies or adding security systems, to cut your rate as much as possible.
- 3Find the best providers for you
Once you know what coverage costs, focus your search on the best and cheapest Washington home insurance. Check customer service scores, what you'd actually pay, and which add-ons make sense for your situation.
- 4Compare multiple providers through all means
After finishing your research, get quotes from several companies using different methods. Online prices often don't match what brokers or agents quote over the phone.
- 5Review and finalize your policy
When you've picked an insurer, read your policy closely. Make sure your personal details and property information are right, and know what the terms actually mean.
Best Homeowners Insurance in Washington: Bottom Line
State Farm, Nationwide, and Chubb rank highest for Washington homeowners insurance. These are solid choices, but shopping around and comparing helps you find what works best for your specific situation.
Best Home Insurance in Washington: FAQ
Discover answers to your questions about finding the right home insurance provider in Washington.
Which company is best for home insurance in Washington?
State Farm is the best homeowners insurance provider in Washington for their exceptional balance of affordability, customer service, and coverage options. Nationwide, Chubb, Allstate, and Foremost Insurance are also top-notch choices in the state.
Who has the most affordable homeowners insurance in Washington?
The most affordable homeowners insurance in Washington varies based on individual circumstances and property details. The average cost of homeowners insurance in Washington is $853 annually.
How do you get the best homeowners insurance in Washington?
To find the best home insurance in Washington, evaluate your coverage needs, investigate insurers and their rates, then compare several quotes.
How We Decided the Best Home Insurance in Washington: Our Methodology
We rated the best homeowners insurance providers in Washington using this methodology:
- Affordability (55%): Providers scored higher if they were more affordable across various factors. We also evaluated the range of discounts offered.
- Customer satisfaction (30%): Scores were based on ratings from sites like Trustpilot, app reviews and industry sources like J.D. Power. This included the buying process, policy management and claims handling.
- Coverage (15%): We assessed the number of add-on options, unique features and availability by state.
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.