🏠 Home insurance cost in Washington (2026)
The estimated average is $1,380 per year — below the national average (-40% vs. the U.S. average of $2,300).
Washington is home to about 7.8 million people, and home insurance here runs below the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Seattle typically differ from smaller towns.
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Washington home insurance estimator
Starts from the Washington average. Estimate only — get quotes to confirm.
Home insurance cost in Washington cities
Washington home insurance FAQ
How much is home insurance in Washington?
The estimated average home insurance in Washington is $1,380 per year, which is below the national average (-40% vs. the U.S. average of $2,300). Washington ranks 45 of 51 states from most to least expensive.
Why is home insurance cheaper in Washington?
Home insurance pricing in Washington reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the West.
How can I save on home insurance in Washington?
Compare at least three quotes from insurers active in Washington, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.