Best and cheapest homeowners insurance in Washington for 2024

Best home insurance companies in Washington: State Farm

The best home insurance company in Washington for 2024 is State Farm. Nationwide, Farmers and Allstate among other top home insurance companies in Washington based on price, NAIC complaints, and AM Best financial ratings.

The total Insurance.com score is calculated out of five using these factors.

Best home insurance companies in Alaska

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Best home insurance in Washington
Company	AM Best	NAIC complaint ratio	Insurance.com score	Average annual rate
State Farm	A++	0.83	4.51	$1,522
Nationwide	A+	1.05	3.92	$987
Farmers	A	0.67	3.31	$1,598
Allstate	A+	1.46	3.31	$1,213

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Cheapest home insurance companies in Washington: Nationwide

Below are Washington home insurance rates by company for five different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Based on our rate analysis, you’ll see Nationwide has the most affordable rates in all coverage levels except for $600,000 and $1,000,000 dwelling coverage

Cheapest home insurance in Washington
Company	$200,000	$300,000	$400,000	$600,000	$1,000,000
Nationwide	$765	$987	$1,235	$1,787	$3,092
PEMCO	$878	$1,079	$1,309	$1,600	$2,466
Allstate	$1,129	$1,213	$1,321	$1,690	$2,524
State Farm	$1,156	$1,522	$1,918	$2,790	$4,231
Farmers	$1,186	$1,598	$2,149	$3,117	$4,822
USAA*	$1,879	$2,352	$2,816	$3,746	$5,527

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*USAA only provides coverage to military members, veterans, and their families.

Average home insurance cost in Washington

The average cost of homeowners insurance in Washington is $1,612 a year or $134 a month. This is based on coverage of:

$300,000 dwelling
$300,000 liability
$1,000 deductible.

However, the average annual premium varies by the insurance company, your ZIP code, coverage type, and your home's age, among other factors. It’s a good idea to compare price quotes from different Washington homeowners insurance companies to get the best deal.

Washington home insurance rates by ZIP code

Home insurance rates can vary widely depending on where the home is located. We compared home insurance rates by ZIP code in Washington to see which areas are the most and least expensive.

Enter your ZIP code and desired coverage level in the search box to see the average home insurance rate for that area. You will also see the highest and lowest premiums from major home insurers. This will give you an idea of how much you can save by comparing home insurance rates. The difference between the highest rate and the lowest rate is how much you could save by shopping around.

Home insurance calculator by ZIP code

Average home insurance rates in Texas

Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive
Least expensive

ZIP code	City	Highest rate
77550	Galveston	$10,164
77586	El Lago	$9,906
77551	Galveston	$9,536
77554	Galveston	$9,358

ZIP code	City	Lowest rate
78559	Iglesia Antigua	$1,956
78593	Santa Rosa	$1,999
79915	El Paso	$2,008
79905	El Paso	$2,009

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The Washington State Office of the Insurance Commissioner says...

If you don't have homeowner insurance (which is generally required by your loan agreement), your lender can buy its own coverage to protect its investment in your house. This is typically expensive and it adds the cost to your mortgage payments. Please note, this coverage only protects your lender, not you.

- The Washington State Office of the Insurance Commissioner

The most expensive ZIP codes in Washington for home insurance

Washington homeowners insurance rates are the most expensive for ZIP code 99140, with an average annual cost of $1,955.

The most expensive ZIP codes in Washington are:

ZIP code	Average annual rate
99140	$1,955
98834	$1,929
98852	$1,924
98846	$1,908
98922	$1,907
98833	$1,902

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The least expensive ZIP codes in Washington for home insurance

The cheapest ZIP codes for home insurance in Washington are:

ZIP code	Average annual rate
98383	$1,313
98277	$1,318
98221	$1,318
98315	$1,321
98250	$1,326
98345	$1,327

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Washington homeowners insurance rates by county

Home insurance rates in Washington vary by county. Take a look at the average rates by county in Washington below to see how costs compare.

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Average annual premium

$1,349

$1,865

County	Average annual premium	Average monthly premium
Adams	$1,825	$152
Asotin	$1,849	$154
Benton	$1,698	$142
Chelan	$1,831	$153
Clallam	$1,440	$120
Clark	$1,561	$130
Columbia	$1,831	$153
Cowlitz	$1,601	$133
Douglas	$1,824	$152
Ferry	$1,833	$153
Franklin	$1,718	$143
Garfield	$1,865	$155
Grant	$1,792	$149
Grays Harbor	$1,524	$127
Island	$1,425	$119
Jefferson	$1,485	$124
King	$1,495	$125
Kitsap	$1,380	$115
Kittitas	$1,825	$152
Klickitat	$1,740	$145
Lewis	$1,612	$134
Lincoln	$1,835	$153
Mason	$1,489	$124
Okanogan	$1,850	$154
Pacific	$1,639	$137
Pend Oreille	$1,739	$145
Pierce	$1,621	$135
San Juan	$1,349	$112
Skagit	$1,443	$120
Skamania	$1,676	$140
Snohomish	$1,532	$128
Spokane	$1,597	$133
Stevens	$1,806	$151
Thurston	$1,433	$119
Wahkiakum	$1,619	$135
Walla Walla	$1,764	$147
Whatcom	$1,407	$117
Whitman	$1,779	$148
Yakima	$1,752	$146

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Compare homeowners insurance rates by city in Washington

Home insurance rates vary significantly across cities, influenced by various factors, including weather patterns, crime rates, and property values. You must consider these factors and compare quotes from different insurers to get the best deal on home insurance for your specific city in Washington.

City	Annual insurance premium
Seattle	$1,148
Yakima	$1,296

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Methodology

Insurance.com commissioned 2023 home insurance rates from Quadrant Data Services fielded across all Washington ZIP codes. Rates were fielded at multiple coverage levels with a deductible of $1,000.

Frequently asked questions: Washington home insurance

What is the Washington FAIR Plan?

If you are unable to find coverage in the private market, the Washington FAIR ("Fair Access to Insurance Requirements") plan is the state's insurance option of last resort for those who can’t get homeowners insurance from the standard insurance market in Washington. It assigns policies to insurance companies.

The FAIR Plan provides basic fire insurance coverage for homes that don’t qualify on the open market. All home insurance companies must participate.

How do I file a complaint about a Washington insurance company?

The Washington state Office of the Insurance Commissioner (OIC) protects insurance consumers and oversees the insurance industry. If you have a problem with your insurance company, file a complaint with the OIC for assistance.

Do I need earthquake insurance in Washington?

A standard homeowners policy does not protect against earthquake damage. It’s a good idea to buy a separate earthquake policy or add an earthquake endorsement to your homeowner policy, but not required.

Should I get landslide insurance in Washington?

A standard homeowners policy will not cover damage caused by land movement or a landslide due to rain runoff, snowmelt, flooding and earthquakes.

You may be able to purchase a difference in conditions (DIC) policy to protect against landslides. This type of coverage is available in areas with a particular risk of natural disasters. Speak to an insurance professional to find out more.

Does homeowners insurance cover volcanoes?

A standard HO-3 home insurance policy will cover damage from a volcanic eruption.

Do I need flood insurance in Washington?

If your property is located in a flood-prone area (a "Special Flood Hazard Area"), your lender will likely require that you carry flood insurance. Even if you live in a minimal or moderate flood hazard area, you may still want to consider a flood insurance policy. Floods are not covered by standard homeowners insurance.

Flood insurance can be purchased in the private market or is widely available through the National Flood Insurance Program (NFIP).