The Best, Cheapest Home Insurance Companies in Washington

The cheapest home insurance companies in Washington: Mutual of Enumclaw, $50 a month; Allstate, $52; and Travelers, $66.

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With an average premium of $50 a month, Mutual of Enumclaw has the cheapest home insurance rates in Washington. Allstate has the next-cheapest at $52 a month. Travelers comes in third at $66 a month.

While Washington homeowners insurance rates are well below the national average, you could still save hundreds of dollars a year by comparing home insurance companies to see which one offers the best coverage and the cheapest price. This guide to Washington home insurance can help you understand the most popular home insurance providers in Washington and how they set their rates.

In this article

The cheapest home insurance providers in Washington

Mutual of Enumclaw comes in first for cheapest home insurance rates in Washington, with an average rate of $50 a month. Allstate is in second place, with an average rate of $52 a month. Travelers has the third-cheapest average rate of $66.

Company Average rate
Mutual of Enumclaw $50
Allstate $52
Travelers $66
USAA $71
Nationwide $71
Great Northern $90
Farmers $91
Country Mutual $125
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

How much is home insurance in Washington?

The average cost of homeowners insurance in Washington is $77 a month, 46% lower than the national average homeowners insurance rate of $144 a month.

Home insurance providers in Washington calculate the final quote they offer you for coverage based on multiple factors, which include:

  • The age of your home
  • Materials used in construction
  • Your ZIP code
  • Your insurance claim history

Different companies apply different values to these and other factors involved in your final premium. This can result in you getting very different rates for the same coverage, which is why it's important to compare quotes from multiple companies — to avoid paying more for the same, cheaper coverage elsewhere.

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The deductible you choose for your home insurance coverage also determines how much it costs. Simply put, the higher your deductible, the lower your premium.

Deductible Annual average rate
$500 $1,004
$1,000 $925
$1,500 $906
$2,000 $829
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Washington's best home insurance companies

Based on our research, we found Mutual of Enumclaw, Allstate and Travelers to be the best home insurance providers in Washington. Here's why:

Mutual of Enumclaw: Cheapest rates

Washington-based Mutual of Enumclaw offers the lowest average home insurance rate of $50 a month. That's 35% less than the state average rate of $77 a month. Furthermore, Mutual of Enumclaw has the lowest NAIC complaint index, 0.01, of the home insurance providers in Washington that we surveyed. This index measures the complaints policyholders filed against an insurer with the Department of Insurance. With the average complaint index being 1.0, and with lower ratings being better than higher ones, Mutual of Enumclaw is well under the average.

Allstate: Best discounts

Allstate has an average homeowners insurance rate of $52 a month in Washington, just a couple dollars higher than Mutual of Enumclaw's rate. Furthermore, Allstate offers a variety of discounts that can reduce your annual premium even more. These discounts include:

  • Multipolicy discount. You can save up to 25% on your insurance costs if you bundle your home insurance policy with an auto or life insurance policy with Allstate.
  • Claim-free discount. If you switch to Allstate without a recent claim on your home insurance history, you can save up to 20% on your homeowners coverage.
  • Early signing discount. You can save up to 10% on your premium if you sign up for a new home insurance policy at least seven days before your current policy expires.
  • Easy pay discount. Setting up automatic payments for your home insurance can save you 5%.
  • Welcome and loyalty discount. Just switching to Allstate can save you 10% on your home insurance. The discount remains active as long as you have your policy with Allstate.

Travelers: Best for eco-friendly homes

Travelers has an average home insurance rate of $66 a month for homeowners insurance in Washington. It also has the best policy packages if you have a green house or are planning on going green. These perks include:

  • Up to $1,000 reimbursement toward certifying or recertifying a home after a filed loss claim to meet green certification requirements.
  • Up to $10,000 reimbursement to certify a green home after a rebuild.
  • Up to $25,000 to recycle debris, excluding trees.
  • If your home has an LEED certification, you may qualify for Travelers' green discount.

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Washington's cheapest home insurance by city

Kirkland residents pay the cheapest rates for home insurance among Washington's biggest cities, with Mutual of Enumclaw charging them an average of $89 a month. Spokane homeowners have both the second- and third-cheapest average home insurance rates in the state, with Allstate at $95 a month and Mutual of Enumclaw at $97 a month.

City Allstate Mutual of Enumclaw Travelers
Bellevue $271 $217 $297
Everett $264 $276 $301
Kent $281 $230 $313
Kirkland $110 $89 $126
Renton $336 $310 $425
Seattle $1,151 $1,005 $1,404
Spokane $95 $97 $112
Spokane Valley $214 $228 $295
Tukwila $240 $179 $248
Vancouver $537 $567 $566
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

When looking at the cheapest counties in Washington for home insurance, Thurston County gets the cheapest rates in the state with an average of $514 a year. King County has the second-cheapest rate with Mutual of Enumclaw at $549 a year, and Spokane County comes in third with Mutual of Enumclaw at $555 a month.

County Allstate Mutual of Enumclaw USAA
Benton $768 $626 $825
Clark $674 $672 $700
Columbia $597 $569 $815
Cowlitz $609 $690 $720
King $680 $549 $769
Kitsap $590 $561 $811
Pierce $687 $564 $818
Skagit $627 $708 $842
Snohomish $644 $643 $760
Spokane $576 $555 $713
Thurston $558 $514 $883
Whatcom $642 $714 $711
Yakima $893 $658 $880
Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Methodology

We collected quotes from every ZIP code in Washington for a standard HO-3 homeowners insurance policy using the following coverages:

  • $275,000 dwelling coverage (unless otherwise noted)
  • $27,500 other structures
  • $137,500 personal property
  • $55,000 loss of use coverage
  • $100,000 liability
  • $5,000 medical payments
  • $1,000 deductible (unless otherwise noted)

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