Cheapest home insurance in Washington (2024)

With rates ranging from $586 to $733 annually, Allstate, Mutual of Enumclaw, and PEMCO all make our list of the cheapest home insurance companies in Washington.

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Rachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Edited by

Jennifer GimbelJennifer GimbelSenior Managing Editor & Home Insurance ExpertJennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

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Allstate is the cheapest home insurance company in Washington, with rates as low as $586 per year — $1,200 cheaper than the national average of $1,724 annually. Another plus? This insurer made our list of the best home insurance companies in Washington.

Check home insurance rates in Washington

Cheapest homeowners insurance companies in Washington

Based on our analysis of home insurance quotes in every Washington ZIP code, we found that Allstate, Mutual of Enumclaw, and PEMCO have the cheapest average home insurance rates in Washington, with average premiums of $586, $677, and $733, respectively. You can see even more affordable home insurance options for Washington residents in 2024 in the table below.

Company

Average annual cost

Allstate

$586

Mutual of Enumclaw Insurance

$677

PEMCO Insurance

$733

Grange Insurance

$836

California Casualty

$845

USAA

$1,023

Auto-Owners Insurance

$1,084

Nationwide

$1,085

Chubb

$1,197

Foremost

$1,278

Farmers

$1,291

Pure Insurance

$1,455

Country Financial

$1,837

Oregon Mutual

$2,249

State Farm

$2,435

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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.

Learn more >> Our complete guide to home insurance in Washington

Cheapest home insurance rates with a history of claims

Having a history of claims is one of the most likely reasons why your rates would be expensive. With multiple claims on your record, insurers will consider you more likely to file future claims than a homeowner with a spotless claims history.

With an average annual premium of $1,097, Mutual of Enumclaw offers the cheapest home insurance rates in Washington for a homeowner that's filed three claims within a five-year period, while Oregon Mutual is the most expensive.

Company

Average annual cost

Mutual of Enumclaw Insurance

$1,097

PEMCO Insurance

$1,126

Grange Insurance

$1,142

Allstate

$1,294

USAA

$1,436

California Casualty

$1,456

State Farm

$1,486

Auto-Owners Insurance

$1,632

Foremost

$1,657

Nationwide

$2,088

Pure Insurance

$2,108

Chubb

$2,249

Farmers

$3,005

Country Financial

$3,066

Oregon Mutual

$5,120

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Check home insurance rates in Washington

Cheapest home insurance rates if you have poor credit

In 2022, Washington's ban on using credit scores when setting insurance premiums was overturned. That means that insurance companies can again consider credit to set premiums.

If you have poor credit, your home insurance rates will likely be more expensive than someone with better credit. This is because homeowners with poor credit are more likely to have outstanding debt and are viewed as more likely to file a claim and depend on an insurance payout in the event that something bad happens.

Cheapest home insurance rates if you have an older home

Older homes can be costly to insure, as they're more prone to structural damage than a newer build, and they're often constructed with materials and features that are more expensive to replace.

With an average annual premium of $611, Allstate offers the cheapest home insurance rates for a home over 100 years old, while Oregon Mutual is the most expensive.

Company

Average annual cost

Allstate

$611

Mutual of Enumclaw Insurance

$710

PEMCO Insurance

$734

California Casualty

$851

Auto-Owners Insurance

$1,026

Chubb

$1,078

Nationwide

$1,094

Grange Insurance

$1,142

Foremost

$1,278

USAA

$1,314

Farmers

$1,354

State Farm

$1,412

Pure Insurance

$1,455

Country Financial

$1,943

Oregon Mutual

$2,309

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Common home insurance discounts in Washington

Many insurance companies offer discounts for bundling home and auto insurance, paying your premium up front, not filing claims, and more. These are just some of the discounts that can add up to big savings on your policy:

  • Bundling discount

  • Claims-free discount

  • Affiliation discount

  • Protective devices discount

  • New construction discount

Learn more >> 13 homeowners insurance discounts

How to lower the cost of home insurance in Washington

You can save on the cost of home insurance in Washington by taking advantage of available discounts and maintaining a good credit score. Other ways to lower your homeowners insurance rates are shopping around for home insurance in Washington and opting for a higher deductible. Just keep in mind a higher deductible means you’ll have to pay more money out of pocket when you file a claim.

Why are home insurance rates in Washington going up?

Home insurance premiums in Washington state increased 21% from May 2022 to May 2023, according to our latest analysis of internal policyholder data. This is likely due to a mix of sustained inflation, labor shortages, rising construction costs, and severe wildfires that have plagued the state in recent years. You can find all of the details in our 2023 Policygenius Home Insurance Pricing Report.

Check home insurance rates in Washington

Author

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Editor

Jennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

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