Allstate, which is the cheapest home insurance company in Seattle, offers an average premium of $653 a year. To help you get the best policy at the cheapest rate, we studied the home insurance market in Seattle and picked the best companies.
In this article
Cheapest home insurance companies in Seattle
Allstate offers the cheapest average rate for home insurance in Seattle at $653 a year, followed by Mutual of Enumclaw at $699 a year. Both companies beat the state average.
To get the cheapest rates, we recommend that you compare home insurance quotes. We looked at quotes from eight insurers in Seattle.
| Company | Average annual premium |
|---|---|
| Allstate | $653 |
| Country Mutual | $1,784 |
| Farmers | $1,598 |
| Chubb | $1,257 |
| Mutual of Enumclaw | $699 |
| Nationwide | $1,008 |
| Travelers | $892 |
| USAA | $981 |
| Note: Average rates for 2022 are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
How much does homeowners insurance cost in Seattle?
Seattle homeowners pay an average $906 a year, or $76 a month, for insurance. If you want to lower your annual premium, you can choose a higher deductible. You can pick a deductible that best suits your situation. When you file a claim, you will need to make sure you have the deductible amount ready.
| Deductible | Average annual premium |
|---|---|
| $500 | $983 |
| $1,000 | $906 |
| $1,500 | $874 |
| $2,000 | $806 |
| Note: Average rates for 2022 are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Best overall: Allstate
Allstate is a great option if you're looking for affordable rates, good customer service, and a variety of discounts.
Allstate has an average rate of $653 a year in Seattle, according to our research, which is $253 less than the state average. Allstate's consumer reviews are also some of the best in the state. The company received 829 out of 1,000 in overall satisfaction in J.D. Power's 2021 U.S. Home Insurance Study, which is higher than the segment average of 825.
Allstate also offers a generous discount when you bundle home and auto insurance, or any other policy. You can save up to 25% if you bundle home and auto Allstate policies.
Best local home insurance: Mutual of Enumclaw
Mutual of Enumclaw offers the cheapest average rates for a local home insurance company at $699 a year in Seattle. Mutual of Enumclaw offers all the standard coverages you would expect to see in a home insurance policy. This includes dwelling, personal liability, personal belongings and emergency living expenses coverages.
The company offers insurance in Washington, Oregon and Idaho. Due to the likelihood of wildfires on the west coast, Mutual of Enumclaw partnered with Wildfire Defense Systems, Inc. to help protect homes from wildfires, at no additional cost to you.
Best home insurance companies in Seattle
Comparing companies' customer service scores is a great way to choose the best insurer for you. We looked at customer satisfaction scores from J.D. Power's 2021 U.S. Home Insurance Study and complaint index scores from the National Association of Insurance Commissioners.
| Company | 2021 J.D. Power overall satisfaction (higher is better)** | 2021 NAIC complaint index (lower is better)* |
|---|---|---|
| Allstate | 829 | 1.12 |
| Country Mutual | 830 | .28 |
| Farmers | 813 | .56 |
| Chubb | 801 | .21 |
| Mutual of Enumclaw | - | - |
| Nationwide | 812 | .49 |
| Travelers | 800 | .61 |
| USAA | 882 | .46 |
Ways to save money on homeowners insurance in Seattle
There are numerous steps you can take to lower your home insurance premium. Taking advantage of discounts and renovating can help you save. Below are some ways you can save on home insurance.
- Don't smoke. Smokers may pay more for home insurance because smoking increases the odds of an accidental house fire.
- Redo your roof. Your home's roof is the first layer of defense against inclement weather. A high-quality roof can be the only thing that stops damage from wind, hail, rainstorms or more. Because of this, insurance companies offer better rates to homes with high-quality roofs made of modern materials.
- Add technology. Technology can help you identify and stop potential disasters before they happen. From home alarms and remote door locks to modern smoke and carbon monoxide detectors, smart home tech can make your home safer. That's why insurance companies reward high-tech homes with lower insurance rates.
- Avoid claims. Unfortunately filing a claim causes your insurance premiums to jump. If you file several claims, your insurance company may cancel or refuse to renew your policy. That's why you may want to avoid filing a homeowners insurance claim in some cases.
- Renovate. Beyond new roofs and smart technology, certain home improvement steps can help lower your premiums. Upgrading your wiring, plumbing and heating lower your home's risk of electrical fires or plumbing accidents. Be aware that remodeling can increase your home's value, which can make your coverage levels inadequate.
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