The Cheapest Homeowners Insurance in Washington
Washington homeowners pay an average $77 a month for standard homeowners insurance. Of the most popular providers we studied, local insurers are the cheapest. Washington-based Mutual of Enumclaw has the lowest average rate for home insurance, $51 a month. Another local company, PEMCO, is the second-cheapest home insurer in Washington, at $54 a month. On the high end, State Farm has the highest average rate, $117 a month.
Finding the best home insurance policy at the cheapest price can be a challenge, but we put together this article to make sure you have the most up-to-date information you need to compare insurers' prices, see their offerings and understand how they stack up in terms of taking care of their customers.
We’ll cover:
How much does home insurance cost in Washington?
Washington homeowners on average pay a relatively low $920 a year for standard homeowners insurance. This breaks down to $77 a month. That's close to a $800 decrease from the national average home insurance rate of $1,735 a year.
| Region | Average annual rate | Average monthly rate |
|---|---|---|
| Washington | $920 | $77 |
| U.S. | $1,735 | $144 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Cheapest home insurance companies in Washington
Local provider Mutual of Enumclaw has the cheapest homeowners insurance rates in Washington, $51 a month. Another local company, PEMCO, has the second-cheapest rates, at $54 a month. Average home insurance rates among the companies we looked at tended to be on the cheaper side. The exceptions are Farmers, with an average home insurance rate of $106 a month, and State Farm, at $117 a month.
| Company | Average annual rate | Average monthly rate |
|---|---|---|
| Mutual Of Enumclaw | $616 | $51 |
| PEMCO | $646 | $54 |
| Nationwide | $702 | $59 |
| Allstate | $741 | $62 |
| Travelers | $888 | $74 |
| USAA | $910 | $76 |
| State average | $920 | $77 |
| Farmers | $1,267 | $106 |
| State Farm | $1,408 | $117 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
Compare quotes from Washington's cheapest home insurers
Cheapest home insurance rates in Washington by city
Spokane Valley has the cheapest average home insurance premium, at $70 a month. Vancouver comes in with the highest average rate, $82 a month.
| City | Average annual rate | Average monthly rate |
|---|---|---|
| Bellevue | $861 | $72 |
| Everett | $926 | $77 |
| Federal Way | $909 | $76 |
| Kent | $904 | $75 |
| Renton | $877 | $73 |
| Seattle | $901 | $75 |
| Spokane | $865 | $72 |
| Spokane Valley | $841 | $70 |
| Tacoma | $982 | $82 |
| Vancouver | $979 | $82 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | ||
A number of factors may affect your home insurance rates in Washington. Other than your personal insurance history, insurers consider crime rates in your area and extreme weather trends.
Best home insurance companies in Washington
We looked at reviews and insurance complaint data to find the best home insurance companies in Washington. The table below shows the most current J.D. Power customer satisfaction ratings and Complaint Index scores from the National Association of Insurance Commissioners (NAIC):
| Company | J.D. Power 2020 customer satisfaction rating | NAIC Complaint Index |
|---|---|---|
| Allstate | 829 | 0.08 |
| MetLife | 824 | 1.07 |
| Mutual of Enumclaw | NA | 0.01 |
| Nationwide | 808 | 0.18 |
| PEMCO | NA | 0.02 |
| State Farm | 829 | 3.44 |
| Travelers | 803 | 0.03 |
| USAA | 889 | 0.83 |
| Sources: J.D. Power scores insurers on a 1,000-point scale in its annual U.S. Home Insurance Study. The NAIC Complaint Index measures the number of complaints an insurer receives relative to its size, with a national average of 1.0. Lower scores indicate better performance. | ||
J.D. Power publishes an annual home insurance customer satisfaction survey. This can help you get a good grasp on which companies maintain good relationships with their customers.
USAA is considered the best of the best among insurance companies. Its customer satisfaction rating of 889 from J.D. Power — the highest in the 2020 study — is a good indicator of that. However, USAA only provides insurance for enlisted and veteran military and their immediate family members. Of the other companies we looked at, the second-highest J.D. Power customer satisfaction rating of 829 is shared between Allstate and State Farm.
The NAIC Complaint Index rates insurers on the basis of claim-based complaints. The average Complaint Index in the U.S. is 1.0, so a rating below that is a good sign. Mutual of Enumclaw has the lowest Complaint Index — 0.01 — of the insurers in Washington we studied.
We picked the following homeowners insurance companies operating in Washington as the best in the state:
Mutual of Enumclaw: cheapest local home insurance
If you're looking for a local Washington company with cheap rates for home insurance, Mutual of Enumclaw wins. Of the homeowners insurance providers we considered, Mutual of Enumclaw came out on top for lowest rates, with an average monthly premium of $51. That's 34% less than the state average of $77 a month. The table below shows Mutual of Enumclaw's average rates in Washington's biggest cities.
| City | Average monthly rate |
|---|---|
| Bellevue | $45 |
| Everett | $57 |
| Federal Way | $52 |
| Kent | $48 |
| Renton | $46 |
| Seattle | $47 |
| Spokane | $49 |
| Spokane Valley | $47 |
| Tacoma | $48 |
| Vancouver | $59 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
In addition to offering the cheapest rates in Washington, Mutual of Enumclaw also has the lowest NAIC Complaint Index of the home insurers studied, 0.01. If you're looking for a local touch, cheap rates and good customer care, we strongly recommend Mutual of Enumclaw.
PEMCO: second-cheapest rates
Of the home insurers operating in Washington, local company PEMCO has the second-lowest rate of $54 a month. That's 30% less than the average home insurance rate in Washington of $77 a month. The table below shows PEMCO's average rates in the biggest Washington cities.
| City | Average monthly rate |
|---|---|
| Bellevue | $53 |
| Everett | $49 |
| Federal Way | $55 |
| Kent | $56 |
| Renton | $54 |
| Seattle | $50 |
| Spokane | $56 |
| Spokane Valley | $54 |
| Tacoma | $52 |
| Vancouver | $56 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
PEMCO only underwrites home insurance policies in Washington and Oregon. Additionally, it maintains a low NAIC Complaint Index of 0.02 and has a wide variety of discounts to help keep your rates low. For instance, if your house is 15 years old or newer, if you're a teacher or if you have had no claims in three years, you may qualify for a discount.
USAA: best for military members
Washington is home to 69,125 military members, making the state the sixth-largest in the country for active military population. Furthermore, 8.9% of Washington's population are veterans, the 13th-highest number in the U.S. USAA provides home insurance coverage for military members that goes beyond what other home insurers provide, including:
- Replacing damaged or destroyed military uniforms.
- Providing home insurance coverage if stationed in a war zone, a condition typically excluded in home insurance policies.
USAA's average home insurance premium is $75 a month, just below the state average. It also has a high rating of 889 in J.D. Power's 2020 customer satisfaction survey. The only downside to USAA is that you have to be associated with the military to take advantage of its offerings.
Methodology
We used Quadrant Information Services to generate thousands of home insurance quotes for every ZIP code in Washington from the following providers:
- Allstate
- MetLife
- Mutual of Enumclaw
- Nationwide
- PEMCO
- State Farm
- Travelers
- USAA
Our sample home used to generate quotes was built in 2021 and used the following policy specifications:
- Dwelling coverage: $275,000
- Personal property coverage: 50% of dwelling ($137,500)
- Other structures coverage: 10% of dwelling ($27,500)
- Loss of use coverage: 20% of dwelling ($55,000)
- Liability coverage: $100,000
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