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 in Washington
CompanyAM BestNAIC complaint ratioInsurance.com scoreAverage annual rate
State FarmA++0.834.51$1,522
NationwideA+1.053.92$987
FarmersA0.673.31$1,598
AllstateA+1.463.31$1,213

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

*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

Average home insurance rates in Florida
$200,000
$200,000 $300,000 $400,000 $600,000 $1,000,000
$100,000
$100,000 $300,000
Standard ($1000)
Standard ($1000) Hurricane (2% of insured value)

Most & least expensive ZIP codes for homeowners insurance in Florida

Most expensive

ZIP CodeCityHighest Rate
33012Hialeah$3,816
33016Hialeah$3,813
33018Hialeah$3,797
33013Hialeah$3,788

Least expensive

ZIP CodeCityLowest Rate
34609Spring Hill$1,110
34613Brookridge$1,114
34604Brooksville$1,116
34601Brooksville$1,132
Data refreshed as of Apr 2024
Read our full methodology

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

The least expensive ZIP codes in Washington for home insurance

The cheapest ZIP codes for home insurance in Washington are:

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

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.

CityAnnual insurance premium
Bellevue
$1,237
Everett
$1,253
Federal Way
$1,254
Kent
$1,241
Renton
$1,292
Seattle
$1,207
Spokane
$1,241
Spokane Valley
$1,303
Tacoma
$1,328
Vancouver
$1,292
Yakima
$1,362

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.

Home insurance FAQs

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).

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