Key Takeaways
- Nationwide has the lowest average home insurance rates in Seattle, at $442 a year.
- Seattle’s average home insurance cost is $922 a year, which is lower than the statewide average of $969.
- Mutual of Enumclaw is the city’s second-cheapest provider, with average rates of $547 a year.
In this article
Average home insurance rates in Seattle
The average cost of home insurance in Seattle is $922 a year, or $77 a month.
That amount is less than the statewide average, which is $969. Per month, the statewide rate is $4 more than Seattle’s average.
Many factors help determine what you pay for home insurance in Seattle and elsewhere. The age, location and construction style of your home has a big influence. So does your claim history and the cost it would take to rebuild your home in the event of a disaster or accident.
Your home insurance deductible amount has a big effect, too. As this chart of citywide averages shows, a lower deductible usually results in a higher premium.
| Deductible | Annual premium |
|---|---|
| $500 | $1,004 |
| $1,000 | $922 |
| $1,500 | $880 |
| $2,000 | $818 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
In fact, we found that if you increase your deductible from $500 to $2,000, you can decrease your home insurance premium by 19%.
The amount of dwelling coverage you choose for your policy also impacts your monthly and yearly home insurance costs. Here, a higher coverage amount usually results in higher annual premiums.
| Dwelling coverage amount | Annual premium |
|---|---|
| $200,000 | $767 |
| $275,000 | $922 |
| $350,000 | $1,103 |
| $425,000 | $1,291 |
| $500,000 | $1,493 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Compare home insurance quotes to get the cheapest rate in Seattle
Cheapest home insurance companies in Seattle
Nationwide is the cheapest home insurance company in Seattle, based on our survey of the city’s top providers. On average, Nationwide customers pay $442 a year for coverage.
| Insurance company | Annual premium |
|---|---|
| Nationwide | $442 |
| Mutual of Enumclaw | $547 |
| PEMCO | $558 |
| Allstate | $779 |
| Farmers | $787 |
| State Farm | $891 |
| Citywide average | $922 |
| Travelers | $1,160 |
| Chubb | $1,224 |
| USAA* | $1,281 |
| Country Mutual | $1,555 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. *Only available to current/former military and their families. | |
After Nationwide, Mutual of Enumclaw offers Seattle’s next-best rates. The company charges $547 a year, on average.
To get the cheapest premium for the amount of coverage you need, compare home insurance quotes from several companies.
Seattle's best home insurance companies
Nationwide and Allstate are Seattle’s best home insurance companies. Here’s why:
Best rates: Nationwide
Nationwide has the best rates in the city, charging $442 per year on average. That puts the company over $100 ahead of the next-cheapest provider, which is Mutual of Enumclaw.
Also, Nationwide’s rates are less than half the citywide average.
Best discounts: Allstate
In addition to having the fourth-cheapest rates and an average cost well below the city’s average, Allstate also has the best home insurance discounts in Seattle.
Here are just a few ways customers can save via Allstate discounts:
- Multi-policy discount: Savings of up to 25% for bundling home and auto coverage
- Responsible payment discount: Savings for paying on time and in a reliable manner
- Claim-free discount: Savings of up to 20% for switching to Allstate without a recent claim
Customer service ratings for Seattle home insurance companies
When it comes to customer service, Country Mutual and Chubb lead the way among home insurers serving Seattle. Country Mutual tops the list for J.D. Power’s satisfaction ratings, while Chubb has the best score on the NAIC’s Complaint Index, which ranks companies in terms of customer complaints.
J.D. Power’s customer satisfaction scores are based on customer surveys that rate home insurers on interaction, policy offerings, price, billing process, policy information and claims. Higher scores are better than lower ones.
| Insurance company | Overall satisfaction score |
|---|---|
| Farmers | 792 |
| Travelers | 794 |
| Chubb | 809 |
| Allstate | 815 |
| Nationwide | 816 |
| State Farm | 829 |
| Country Mutual | 830 |
| USAA | 884* |
| Mutual of Enumclaw | Not included |
| PEMCO | Not included |
| Source: J.D. Power 2022 U.S. Home Insurance Study. *Brand is not rank eligible because it does not meet study award criteria. | |
The NAIC Complaint Index compares insurance companies by confirmed complaints. A company with a 2.0 Complaint Index rating has twice as many confirmed complaints as expected for its size. A 0.5 rating reflects half as many as expected.
| Insurance company | Overall satisfaction score |
|---|---|
| Chubb | 0.04 |
| PEMCO | 0.06 |
| Country Mutual | 0.07 |
| Mutual of Enumclaw | 0.16 |
| Travelers | 0.17 |
| Nationwide | 0.29 |
| USAA | 0.31 |
| State Farm | 0.35 |
| Allstate | 0.52 |
| Farmers | 0.61 |
| Source: National Association of Insurance Commissioners (2022 data) | |
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Home insurance risks in Seattle
Compared to other cities, Seattle residents face a wide range of natural disasters that pose a risk to their homes. Earthquakes, fires and floods are among the most damaging.
Standard home insurance policies cover damages caused by fires, as well as storms that bring hail and wind. However, earthquake and flood damage are typically not part of that coverage.
Earthquake insurance in Seattle
Depending on your area and risk, it may be a good idea to purchase earthquake insurance separately. Most major providers — including Farmers, Progressive and State Farm — have options available.
These policies usually cover internal and external damage, and the cost to remove debris brought on by a quake. Some providers may require you to take extra steps, like bracing your walls and strapping in heavy appliances.
Frequently asked questions
On average, home insurance in Seattle costs $922 a year.
Nationwide is the cheapest coverage option in Seattle, charging $442 a year. Mutual of Enumclaw and PEMCO have the next-best rates.
Like most states, Washington does not require home insurance. However, most mortgage lenders do, so you’ll likely still need to obtain it in order to get approved for a loan.
Methodology
We collected quotes from every ZIP code in Seattle, Washington, for a standard HO-3 homeowners insurance policy using the following coverages:
- $275,000 dwelling (unless otherwise noted)
- $27,500 other structures
- $137,500 personal property
- $55,000 loss of use
- $100,000 liability
- $5,000 medical payments
- $1,000 deductible (unless otherwise noted)
Home insurance by city
- Seattle
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