How much is homeowners insurance in Washington?
The average cost of homeowners insurance in Washington is $97 per month or $1,159 per year for $300,000 in dwelling coverage (the coverage that protects your physical house), according to Quadrant data from 2022.
Since then, rates have gone up for many homeowners. Our 2023 analysis of internal policyholder data shows home insurance premiums for people in Washington who renewed their coverage went up 21% compared to the previous year.
Methodology & why you can trust our rates
Policygenius has analyzed home insurance rates provided by Quadrant Information Services in March 2022 for ZIP codes in all 50 states plus Washington, D.C., for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits:
Dwelling: $300,000
Other structures: $30,000
Personal property: $150,000
Loss of use: $60,000
Liability: $300,000
Medical: $1,000
All rates based on the above coverage limits except where otherwise noted.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Average cost of home insurance in Washington (2024)
Washington home insurance rates by city
Of the Evergreen State’s 20 largest cities, Redmond, Bellevue, and Everett have the cheapest homeowners insurance in Washington. Rates in Redmond are 6% cheaper than Washington’s statewide average.
City | Average monthly cost | Average annual cost | Difference from state average (%) |
|---|---|---|---|
Seattle | $94 | $1,130 | -3% |
Spokane | $98 | $1,176 | 1% |
Tacoma | $100 | $1,195 | 3% |
Vancouver | $93 | $1,112 | -4% |
Bellevue | $92 | $1,099 | -5% |
Kent | $102 | $1,218 | 5% |
Everett | $92 | $1,109 | -4% |
Spokane Valley | $99 | $1,188 | 3% |
Renton | $100 | $1,195 | 3% |
Federal Way | $97 | $1,162 | 0% |
Yakima | $101 | $1,211 | 4% |
Bellingham | $94 | $1,126 | -3% |
Kirkland | $100 | $1,200 | 4% |
Auburn | $100 | $1,195 | 3% |
Kennewick | $95 | $1,137 | -2% |
Pasco | $100 | $1,205 | 4% |
Redmond | $91 | $1,090 | -6% |
Marysville | $98 | $1,172 | 1% |
Sammamish | $99 | $1,186 | 2% |
Richland | $94 | $1,132 | -2% |
Washington home insurance rates by coverage amount
One of the most important (and expensive) parts of your home insurance policy is your dwelling coverage, which is the part of your policy that protects your home’s physical structure from covered perils like wildfires and water damage.
The amount of dwelling coverage you need depends not on your home’s market value, but on its replacement cost — that ’s what it could cost to rebuild your home if it were completely destroyed. If you paid $600,000 for a home that would really only cost $400,000 to rebuild, you’d only need $400,000 in dwelling coverage.
The more dwelling coverage you buy, the more expensive your homeowners insurance will be. The largest jump in the cost of home insurance in Washington (a jump of $364 per year) happens when you go from $300,000 to $400,000 in dwelling coverage.
Dwelling coverage limit | Average annual cost |
|---|---|
$100,000 | $596 |
$200,000 | $868 |
$300,000 | $1,159 |
$400,000 | $1,523 |
$500,000 | $1,856 |
