Best Homeowners Insurance in Washington (2024)
Mutual of Enumclaw has the best overall average rate and customer satisfaction ratings for Washington homeowners insurance.
Allstate is the second-cheapest home insurance company in Washington, and it also has the best selection of discount options.
Washington’s cheapest home insurance companies
Washington residents looking for the cheapest home insurance rate should consider Mutual of Enumclaw, with an average rate of $907 a year.
Homeowner insurance with second-cheapest choice Allstate costs $1,061 a year on average.
By comparison, the average annual rate for home insurance in Washington is $1,600 a year.
Cheapest companies in Washington
| Company | Average annual rate |
|---|---|
| Mutual of Enumclaw | $907 |
| Allstate | $1,061 |
| Nationwide | $1,240 |
| State Farm | $1,294 |
| Travelers | $1,871 |
| Foremost | $2,066 |
| Great Northern | $2,113 |
| Country Mutual | $2,543 |
| USAA* | $1,308 |
Best homeowners insurance companies in Washington
Mutual of Enumclaw also has the best combination of cost and customer satisfaction among the home insurers we looked at in Washington.
Meanwhile, Allstate stands out for its range of home insurance discounts, Travelers provides the best benefits for green homes and USAA comes out on top for Washington homeowners in the military.
Best Washington home insurance companies
| Company | Average annual rate | Overall satisfaction (higher is better) | Complaint index (lower is better) |
|---|---|---|---|
| Cheapest rates: Mutual of Enumclaw | $907 | N/A | 0.18 (above average) |
| Best discounts: Allstate | $1,061 | 868 (below average) | 1.79 (below average) |
| Best for military: USAA | $1,308 | 899 (above average) | 0.50 (above average) |
| Average | $1,600 in Washington state | 869 | 1.0 |
Sources: J.D. Power’s 2024 Property Claims Satisfaction Study and 2023 complaint data from the National Association of Insurance Commissioners (NAIC).
Cheapest rates: Mutual of Enumclaw
Mutual of Enumclaw has the most affordable home insurance rates in Washington, at $907 a year. This is 43% cheaper than Washington’s average rate of $1,600.
| Pros | Cons |
|---|---|
Low average premium Fewer complaints than average Wildfire coverage included in HO-3 and HO-5 policies | No J.D. Power rating Negative A.M Best outlook Must contact agent for quote |
Best discounts: Allstate
While Allstate might not have the cheapest rate in Washington ($1,061 a year on average), it does offer many discounts to reduce your rates.
If you bundle your home and auto insurance with Allstate, you could save up to 25% on your premiums. It also has discounts for:
- Loyalty
- Buying a newly-constructed home
- Signing up for automatic payment
- Installing fire alarms or other safety systems
- Early policy signing
| Pros | Cons |
|---|---|
Good range of discounts Below-average Washington rate No banned breed dog list | Below-average J.D. Power rating More complaints than average No extended replacement cost option |
Best for military members: USAA
USAA is an excellent choice for active duty and veteran military members, as well as their families.
USAA covers personally-owned military equipment and uniforms with no deductible. It also has a great customer service track record — with one of the lowest complaint index ratings we looked at — and a very strong property claims satisfaction rating.
| Pros | Cons |
|---|---|
Good personal property coverage for Armed Forces members No banned breed dog list Below-average rate in Washington | Only available to active duty military, veterans, and their families No dedicated agents Fewer discounts than some competitors |
Washington home insurance rates by coverage amounts
The amount of dwelling coverage you purchase will have an effect on the price of your home insurance policy. The higher your dwelling coverage limit, the higher your premium.
For example, in Washington there’s a $383 year difference between an average $350,000 dwelling coverage policy and a $450,000 one. This comes out to an additional $32 a month.
Average annual rate by dwelling coverage
| Dwelling coverage limit | Average annual rate |
|---|---|
| $350,000 | $1,405 |
| $400,000 | $1,600 |
| $450,000 | $1,788 |
Cost of homeowners insurance in Washington
The average cost of home insurance in Washington is $1,600 a year, which is 43% lower than the national average home insurance rate of $2,801 a year.
Insurers calculate your home insurance quote by weighing different risk factors, including:
- Your ZIP code
- Age of the house
- Quality of construction materials used
- Your insurance history
- Your chosen coverage limits and deductible
Standard home insurance policies tend to be similar from company to company. However, as you can see, premiums vary. This is in part due to homeowners insurance companies placing different risk values on different factors.
For example, one company may think the age of your home is a higher risk than another company would, resulting in a higher rate.
To make sure you’re getting your best combo of cost and coverage, compare multiple home insurance quotes side-by-side.
Washington home insurance rates by city
Of the 25 largest cities in Washington, Spokane Valley has the cheapest homeowners insurance rates, with an average of $1,463 a year. Yakima has the most expensive average premiums, at $1,765 a year.
Average home insurance rate by city
| City | Average annual rate |
|---|---|
| Auburn | $1,612 |
| Bellevue | $1,496 |
| Bellingham | $1,465 |
| Everett | $1,553 |
| Federal Way | $1,579 |
| Kennewick | $1,708 |
| Kent | $1,555 |
| Kirkland | $1,509 |
| Lacey | $1,470 |
| Lakewood | $1,545 |
| Marysville | $1,588 |
| Olympia | $1,510 |
| Pasco | $1,602 |
| Redmond | $1,496 |
| Renton | $1,495 |
| Richland | $1,665 |
| Sammamish | $1,515 |
| Seattle | $1,544 |
| Shoreline | $1,528 |
| South Hill | $1,622 |
| Spokane | $1,536 |
| Spokane Valley | $1,463 |
| Tacoma | $1,657 |
| Vancouver | $1,495 |
| Yakima | $1,765 |
Methodology
The rates shown in this article are based on nonbinding quotes collected from Quadrant Information Services. Your rates may vary. Average rates were compiled from rates in Washington.
The following coverages and deductible were used unless otherwise noted:
- $400,000 dwelling coverage
- $40,000 other structures
- $200,000 personal property
- $80,000 loss of use coverage
- $100,000 liability
- $5,000 medical payments
- $1,000 deductible
*USAA is only available to active-duty and veteran military members and their families.