🏠 Home insurance cost in Washington, DC (2026)
Estimated average: $1,615 per year — -30% vs. the U.S. average of $2,300.
$1,615
Est. home insurance in Washington
per year
$1,495
District of Columbia average
$2,300
U.S. average
671,803
Population
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Washington home insurance estimator
Estimated$1,017/year
Starts from the Washington estimate. Get quotes to confirm your price.
Washington home insurance FAQ
How much is home insurance in Washington, DC?
The estimated average is $1,615 per year — above the state average (+8% vs. the District of Columbia average of $1,495, and -30% vs. the U.S. average).
Is home insurance more expensive in Washington than elsewhere in District of Columbia?
Washington has about 671,803 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest home insurance in Washington?
Compare at least three quotes from insurers active in Washington, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.