Best home insurance company in Washington: State Farm
State Farm is the best home insurance company in Washington for 2026. Allstate and Nationwide round out the top three.
We ranked carriers based on price, customer complaints with the NAIC, and financial stability using AM Best ratings. The total Insurance.com score is calculated out of five using these factors.
Cheapest home insurance company 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.
| Company | $200,000 | $300,000 | $400,000 | $600,000 | $1,000,000 |
|---|---|---|---|---|---|
| Allstate | $1,780 | $1,936 | $2,133 | $2,779 | $4,144 |
| Farmers | $1,410 | $1,924 | $2,462 | $3,629 | $5,003 |
| Nationwide | $993 | $1,298 | $1,629 | $2,363 | $3,558 |
| PEMCO | $1,178 | $1,457 | $1,778 | $2,175 | $2,874 |
| State Farm | $1,372 | $1,853 | $2,362 | $3,299 | $4,930 |
| USAA | $1,567 | $1,935 | $2,290 | $2,989 | $3,860 |
*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 $1,766 a year or $147 a month. That rate is based on coverage of:
- $300,000 dwelling
- $300,000 liability
- $1,000 deductible
Rates vary a lot, based on location and other factors, including the company you choose. 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. The tool below will help you compare rates in your ZIP code
Enter your ZIP code and desired coverage level in the search box to see the average home insurance rate for that area, as well as the highest and lowest rates in our database.
Home insurance calculator by ZIP code
Average home insurance rates in TexasMost & least expensive ZIP codes for homeowners insurance in Texas
| ZIP code | City | Highest rate |
|---|---|---|
| 77550 | Galveston | $10,407 |
| 77554 | Galveston | $9,754 |
| 77551 | Galveston | $9,634 |
| 77590 | Texas City | $9,005 |
| ZIP code | City | Lowest rate |
|---|---|---|
| 79915 | El Paso | $1,158 |
| 79905 | El Paso | $1,169 |
| 79907 | El Paso | $1,179 |
| 79916 | Fort Bliss | $1,180 |
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 CommissionerWhat are the most expensive ZIP codes in Washington for home insurance?
Washington homeowners insurance rates are the most expensive for ZIP code 99140 (Keller), with an average annual cost of $2,137.
The five most expensive ZIP codes in Washington are:
| City | ZIP code | Average Annual Premium |
|---|---|---|
| Keller | 99140 | $2,137 |
| Methow | 98834 | $2,132 |
| Cle Elum | 98922 | $2,112 |
| Pateros | 98846 | $2,104 |
| Peshastin | 98847 | $2,103 |
| Bridgeport | 98813 | $2,102 |
| Stehekin | 98852 | $2,098 |
| Mazama | 98833 | $2,095 |
| Mattawa | 99349 | $2,093 |
| Lincoln | 99147 | $2,091 |
What are the least expensive ZIP codes in Washington for home insurance?
At an average of $1,475 a year, ZIP code 98221 (Anacortes) is the cheapest in Washington.
The five cheapest ZIP codes for home insurance in Washington are:
| City | ZIP code | Average Annual Premium |
|---|---|---|
| Anacortes | 98221 | $1,475 |
| Silverdale | 98383 | $1,477 |
| Friday Harbor | 98250 | $1,482 |
| Bangor Base | 98315 | $1,484 |
| Oak Harbor | 98277 | $1,485 |
| Eastsound | 98245 | $1,486 |
| Bremerton | 98311 | $1,488 |
| Coupeville | 98239 | $1,493 |
| Lopez Island | 98261 | $1,493 |
| Bremerton | 98337 | $1,493 |
Washington homeowners insurance rates by county
At $1,506 a year, San Juan is the cheapest county for home insurance in Washington, while Okanogan is the most expensive at $2,044.
Take a look at the average rates by county in Washington below to see how costs compare.
| County | Average annual premium | Average monthly premium |
|---|---|---|
| Adams | $1,972 | $164 |
| Asotin | $1,997 | $166 |
| Benton | $1,880 | $157 |
| Chelan | $2,023 | $169 |
| Clallam | $1,584 | $132 |
| Clark | $1,679 | $140 |
| Columbia | $1,981 | $165 |
| Cowlitz | $1,729 | $144 |
| Douglas | $2,029 | $169 |
| Ferry | $2,017 | $168 |
| Franklin | $1,863 | $155 |
| Garfield | $1,996 | $166 |
| Grant | $1,977 | $165 |
| Grays Harbor | $1,697 | $141 |
| Island | $1,571 | $131 |
| Jefferson | $1,657 | $138 |
| King | $1,639 | $137 |
| Kitsap | $1,535 | $128 |
| Kittitas | $2,024 | $169 |
| Klickitat | $1,892 | $158 |
| Lewis | $1,738 | $145 |
| Lincoln | $2,013 | $168 |
| Mason | $1,678 | $140 |
| Okanogan | $2,044 | $170 |
| Pacific | $1,798 | $150 |
| Pend Oreille | $1,921 | $160 |
| Pierce | $1,750 | $146 |
| San Juan | $1,506 | $126 |
| Skagit | $1,590 | $132 |
| Skamania | $1,843 | $154 |
| Snohomish | $1,690 | $141 |
| Spokane | $1,739 | $145 |
| Stevens | $1,985 | $165 |
| Thurston | $1,587 | $132 |
| Wahkiakum | $1,748 | $146 |
| Walla Walla | $1,902 | $158 |
| Whatcom | $1,555 | $130 |
| Whitman | $1,933 | $161 |
| Yakima | $1,934 | $161 |
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
Methodology
Insurance.com worked with Quadrant Information Services to field homeowners insurance rates in all 50 states and Washington, D.C. We analyzed 37,973,840 insurance quotes from 134 insurance companies across 34,595 ZIP codes to determine the average premiums.
The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:
- $300,000 dwelling coverage
- $300,000 liability protection
- $1,000 deductible
- 2% hurricane deductible where appropriate.
To rank insurance companies, we used three important factors: average annual cost, NAIC complaint ratio and AM Best financial stability rating. Find the full best insurance companies rating methodology here. The quoted insurance rates are for comparison purposes, and your rates will vary.
FAQ: 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 it is 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).
Compare Washington homeowners insurance rates with other states
