Quick Answer — Home Insurance in Washington
Homeowners insurance in Washington costs about $1,475/year ($123/month) in 2026 — −58% below the U.S. average of $3,548 (MoneyGeek). Washington is among the cheapest states for homeowners insurance.
$1,475/yr
Washington average
$123/mo
Monthly estimate
−58%
vs US avg ($3,548)
Low catastrophe risk
Main cost driver
Washington is among the cheapest states for homeowners insurance. Low hurricane and tornado exposure keeps premiums down, though wildfire risk east of the Cascades and a separate earthquake peril are worth planning for.
Estimate your own premium by home value and coverage level
Open the Home Insurance Calculator →How Much Is Homeowners Insurance in Washington?
| Reference | Annual | Monthly |
|---|---|---|
| Washington average | $1,475 | $123 |
| U.S. national average | $3,548 | $296 |
| Most expensive state (Florida) | $10,240 | $853 |
| Cheapest of the major states (California avg) | $1,348 | $112 |
Average annual premiums are MoneyGeek 2026 figures for a standardized homeowner profile. Your rate varies by dwelling value, home age, roof, ZIP code, deductible, and claims history.
Why Homeowners Insurance Is Cheaper in Washington
Washington is among the cheapest states for homeowners insurance. Low hurricane and tornado exposure keeps premiums down, though wildfire risk east of the Cascades and a separate earthquake peril are worth planning for.
How to Lower Your Home Insurance in Washington
- Add earthquake coverage as a separate endorsement — it is excluded from standard policies.
- East of the Cascades, ask about wildfire-mitigation credits.
- Bundle home and auto and raise the deductible.
- Compare at least three insurers each renewal, and bundle home with auto for a multi-policy discount.
Homeowners Insurance Cost in Other States
Home insurance is priced state by state, so costs swing widely. Compare Washington with other states:
Frequently Asked Questions
How much is homeowners insurance in Washington?
The average homeowners insurance premium in Washington is about $1,475 per year, or roughly $123 per month, in 2026 (MoneyGeek). That is −58% below the U.S. national average of $3,548. Your actual rate depends on your home's value, age, roof, location, and claims history.
Why is homeowners insurance cheaper in Washington?
Washington is among the cheapest states for homeowners insurance. Low hurricane and tornado exposure keeps premiums down, though wildfire risk east of the Cascades and a separate earthquake peril are worth planning for.
How can I lower my homeowners insurance in Washington?
Add earthquake coverage as a separate endorsement — it is excluded from standard policies. East of the Cascades, ask about wildfire-mitigation credits. Bundle home and auto and raise the deductible.
Is home insurance required in Washington?
No state legally requires homeowners insurance, but your mortgage lender will require it as a condition of the loan. If you own the home outright it is optional, though going without coverage in Washington is a significant financial risk given local perils.