How to Compare Home Insurance Companies
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LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Best Homeowners Insurance in Washington

Content was accurate at the time of publication.

Mutual of Enumclaw is the best home insurance company in Washington, with the state’s cheapest average rate ($907 a year) and great customer satisfaction ratings.

Allstate has Washington’s second-cheapest home insurance rates of around $1,061 a year. It also has the best discount options.

Find the Cheapest Home Insurance Quotes in Washington

$907/year
Cheapest rates: Mutual of Enumclaw
Mutual of Enumclaw logo
$1,061/year
Best discounts: Allstate
Allstate logo
$1,308/year
Best for military families: USAA
USAA logo
+
More Options

Washington residents looking for the cheapest home insurance should consider Mutual of Enumclaw, which has an average rate of $907 a year.

Allstate is also worth a look thanks to its average rate of $1,061 a year.

Both companies come in well below the state average rate of $1,600 a year.

Cheapest home insurance in Washington

Company Annual rate Average rates are based on a policy with $400,000 of dwelling coverage and $200,000 of personal property coverage. LendingTree score
mutual of enumclaw-logoMutual of Enumclaw$907Not rated
Allstate logoAllstate$1,0614 stars
nationwide-logoNationwide$1,2403.5 stars
State Farm logoState Farm$1,2944 stars
Travelers logoTravelers$1,8713.5 stars
Farmers logoFarmers$2,0663.5 stars
chubb-logoChubb$2,1134 stars
countryfinancial-1Country Financial$2,5434 stars
USAAUSAA*$1,3084 stars

*USAA is only available to members of the military and their families.

Find the Cheapest Home Insurance Quotes in Washington

Mutual of Enumclaw has the best combination of cost and customer satisfaction among Washington home insurance companies.

Meanwhile, Allstate stands out for its range of home insurance discounts and Travelers provides the best benefits for green homes. USAA comes out on top for Washington homeowners in the military.

Best Washington home insurance companies

CompanyAverage annual rate Customer satisfaction score Source: J.D. Power 2024 U.S. Home Insurance Study. Higher is better; 640 is average. Complaint rating Source: 2024 National Association of Insurance Commissioners (NAIC) Complaint Index. Lower is better; 1.0 is average.
Cheapest rates: Mutual of Enumclaw$907Not rated0.32 (Excellent)
Best discounts: Allstate$1,061631 (Below average)1.07 (Average)
Best for military: USAA$1,308737 (Excellent)0.37 (Excellent)

Cheapest rates: Mutual of Enumclaw

Mutual of Enumclaw has the most affordable home insurance rates in Washington, at $907 a year. This is 43% cheaper than Washington’s average rate of $1,600.

One of the perks of Mutual of Enumclaw home insurance is that it includes wildfire coverage at no extra cost.

Pros

Low average premium
Few customer complaints
Wildfire coverage is standard

Cons

No customer satisfaction rating
Must contact an agent for quotes

Best discounts: Allstate

While Allstate might not have the cheapest rate in Washington ($1,061 a year, on average), it offers many discounts that could save you money.

If you bundle your home and auto insurance with Allstate, you could save up to 25% on your premiums. It also has discounts for:

  • Loyalty
  • Buying a newly constructed home
  • Signing up for automatic payment
  • Installing fire alarms or other safety systems
  • Early policy signing

If you temporarily rent out your home, Allstate’s HostAdvantage program increases the protections for your belongings.

Pros

Several discount options
Low average rate
No banned dog breeds

Cons

No extended replacement cost option
Customer satisfaction is worse than average
More complaints than average

Best for military members: USAA

USAA is an excellent choice for active duty and veteran military members, as well as their families.

USAA covers personally owned military equipment and uniforms with no deductible. It also has a great track record for customer service, including few customer complaints and a strong property claims satisfaction rating.

Pros

Coverage specifically for Armed Forces members
Affordable rates
No banned breed dog list

Cons

Only available to military and their families
No dedicated agents
Fewer discounts than some competitors

Find the Cheapest Home Insurance Quotes in Washington

The average cost of home insurance in Washington is $1,600 a year. This is 43% lower than the national average home insurance rate of $2,801 a year.

Insurers calculate your home insurance quote by weighing different risk factors, including:

  • Your ZIP code
  • Age of the house
  • Quality of construction materials used
  • Your insurance history
  • Your deductible

The amount of dwelling coverage Dwelling coverage pays to repair or rebuild the structure of your home if a fire, hail or other event damages or destroys it. you choose also impacts the price of your home insurance policy. The higher your dwelling coverage limit, the higher your premium will be, in most cases.

For example, the difference in cost between a home insurance policy with $350,000 of dwelling coverage and one with $450,000 of coverage is $383 a year in Washington. This equals an additional $32 a month.

Average annual rate by dwelling coverage

Dwelling coverage limitAverage annual rate
$350,000 $1,405
$400,000 $1,600
$450,000 $1,788

Standard home insurance policies tend to be similar from company to company. The reason quotes can vary from one company to another is that they don’t all look at your risk factors the same way. For example, one company may think the age of your home is more of a risk than another company, resulting in a higher rate.

To make sure you’re getting your best combo of cost and coverage, compare home insurance quotes from multiple companies side by side.

Keyport is the Washington town or city with the cheapest homeowners insurance. Its rates average $1,356 a year.

Parker residents pay the state’s most expensive home insurance premiums of around $2,452 a year.

Home insurance rates near you

City Annual rate Average rates are based on a policy with $400,000 of dwelling coverage and $200,000 of personal property coverage.
Aberdeen$1,463
Acme$1,605
Addy$1,675
Adna$1,989
Ahtanum$1,635
Airway Heights$1,461
Albion$1,564
Alderton$1,528
Alderwood Manor$1,428
Algona$1,497
Allyn$1,443
Almira$1,772
Amanda Park$1,630
Amboy$1,520
Ames Lake$1,428
Anacortes$1,408
Anatone$1,788
Anderson Island$1,486
Appleton$1,930
Ardenvoir$1,734
Ariel$1,567
Arlington$1,532
Arlington Heights$1,532
Artondale$1,490
Ashford$1,638
Asotin$1,723
Auburn$1,504
Bainbridge Island$1,385
Bangor Base$1,358
Barberton$1,406
Baring$1,660
Battle Ground$1,423
Bay Center$1,586
Bay View$1,424
Beaver$1,563
Belfair$1,459
Bellevue$1,442
Bellingham$1,445
Belmont$2,169
Benge$1,706
Benton City$1,698
Bethel$1,409
Beverly$1,716
Bickleton$1,769
Bingen$1,694
Birch Bay$1,442
Black Diamond$1,492
Blaine$1,442
Blakely Island$1,466
Bonney Lake$1,508
Bothell$1,463
Bothell East$1,465
Bothell West$1,453
Boulevard Park$1,495
Bow$1,457
Boyds$1,714
Bremerton$1,483
Brewster$1,803
Bridgeport$1,896
Brier$1,428
Brinnon$1,543
Browns Point$1,482
Brownstown$2,138
Brush Prairie$1,405
Bryn Mawr-Skyway$1,493
Buckley$1,613
Bucoda$1,471
Buena$2,017
Bunk Foss$1,491
Burbank$1,626
Burien$1,483
Burley$1,409
Burlington$1,409
Burton$1,946
Camano Island$1,482
Camas$1,431
Canterwood$1,525
Canyon Creek$1,532
Carbonado$1,647
Carlsborg$1,392
Carlton$1,818
Carnation$1,494
Carrolls$1,553
Carson$1,602
Cascade Valley$1,575
Cashmere$1,679
Castle Rock$1,457
Cathcart$1,464
Cathlamet$1,546
Cavalero$1,494
Centerville$1,814
Central Park$1,463
Centralia$1,514
Chain Lake$1,498
Chattaroy$1,453
Chehalis$1,513
Chelan$1,766
Chelan Falls$1,672
Cheney$1,447
Cherry Grove$1,423
Chewelah$1,677
Chico$1,375
Chimacum$1,441
Chinook$1,547
Cinebar$1,549
Clallam Bay$1,553
Clarkston$1,591
Clarkston Heights-Vineland$1,591
Clayton$1,585
Cle Elum$1,808
Clear Lake$1,430
Clearlake$1,440
Clearview$1,464
Clinton$1,458
Clover Creek$1,526
Clyde Hill$1,444
Colbert$1,403
Colfax$1,585
College Place$1,550
Colton$1,649
Colville$1,651
Conconully$1,787
Concrete$1,592
Connell$1,754
Copalis Beach$1,533
Copalis Crossing$1,426
Cosmopolis$1,572
Cottage Lake$1,456
Cougar$1,630
Coulee City$1,625
Coulee Dam$1,742
Country Homes$1,398
Coupeville$1,413
Covington$1,490
Cowiche$1,580
Creston$1,772
Crocker$1,508
Curlew$1,742
Curtis$1,608
Cusick$1,651
Custer$1,428
Dallesport$1,814
Danville$1,789
Darrington$1,634
Davenport$1,688
Dayton$1,703
Deer Harbor$1,486
Deer Park$1,487
Deming$1,587
Des Moines$1,506
Dixie$1,693
Doty$1,537
Dryden$1,875
Duluth$1,408
DuPont$1,454
Duvall$1,470
East Cathlamet$1,546
East Hill-Meridian$1,474
East Olympia$1,992
East Port Orchard$1,383
East Renton Highlands$1,433
East Wenatchee$1,642
Eastgate$1,416
Eastmont$1,472
Easton$1,792
Eastsound$1,387
Eatonville$1,560
Edgewood$1,530
Edmonds$1,428
Edwall$1,671
Elbe$1,712
Electric City$1,632
Elk$1,537
Elk Plain$1,541
Ellensburg$1,554
Elma$1,448
Elmer City$1,731
Eltopia$1,612
Endicott$1,642
Entiat$1,751
Enumclaw$1,538
Ephrata$1,604
Erlands Point-Kitsap Lake$1,392
Esperance$1,454
Ethel$1,500
Evans$1,762
Everett$1,478
Everson$1,432
Fairchild AFB$1,457
Fairfield$1,518
Fairwood$1,435
Fall City$1,500
Farmington$1,644
Federal Way$1,508
Felida$1,390
Fern Prairie$1,431
Ferndale$1,417
Fife$1,555
Fife Heights$1,519
Finley$1,637
Fircrest$1,476
Five Corners$1,396
Fobes Hill$1,498
Ford$1,782
Fords Prairie$1,514
Forks$1,532
Fort Lewis$1,490
Four Lakes$1,447
Fox Island$1,496
Frederickson$1,533
Freeland$1,467
Friday Harbor$1,372
Fruitland$1,812
Galvin$2,012
Garfield$1,593
Garrett$1,590
Geneva$1,466
George$1,691
Gifford$1,728
Gig Harbor$1,509
Gleed$1,681
Glenoma$1,664
Glenwood$1,676
Gold Bar$1,461
Goldendale$1,724
Graham$1,531
Grand Coulee$1,754
Grand Mound$1,483
Grandview$1,638
Granger$1,715
Granite Falls$1,632
Grapeview$1,453
Grayland$1,582
Grays River$1,542
Greenacres$1,402
Greenbank$1,433
Hamilton$1,960
Hansville$1,398
Harrah$1,654
Harrington$1,711
Hartline$1,654
Hay$1,635
Hazel Dell$1,405
Heisson$1,951
High Bridge$1,474
Hobart$1,466
Hockinson$1,414
Home$1,476
Hoodsport$1,481
Hooper$2,178
Hoquiam$1,460
Humptulips$1,499
Hunters$1,859
Hunts Point$1,444
Husum$2,009
Ilwaco$1,501
Inchelium$1,780
Index$1,584
Indianola$1,380
Inglewood-Finn Hill$1,462
Ione$1,701
Issaquah$1,435
Joyce$2,069
Kahlotus$1,705
Kalama$1,416
Kapowsin$2,131
Keller$1,862
Kelso$1,484
Kenmore$1,497
Kennewick$1,619
Kent$1,492
Kettle Falls$1,713
Key Center$1,499
Keyport$1,356
Kingsgate$1,462
Kingston$1,398
Kirkland$1,462
Klahanie$1,439
Klickitat$1,783
La Center$1,402
La Conner$1,421
La Grande$2,026
La Push$1,576
Lacey$1,430
LaCrosse$1,651
Lake Cassidy$1,509
Lake Forest Park$1,465
Lake Holm$1,502
Lake Ketchum$1,530
Lake Marcel-Stillwater$1,494
Lake Morton-Berrydale$1,494
Lake Shore$1,391
Lake Stevens$1,496
Lake Stickney$1,465
Lake Tapps$1,508
Lakebay$1,476
Lakeland North$1,497
Lakeland South$1,507
Lakewood$1,484
Lamona$1,700
Lamont$1,733
Langley$1,452
Larch Way$1,457
Latah$1,531
Laurier$1,743
Leavenworth$1,813
Lebam$2,140
Lewisville$1,423
Liberty Lake$1,381
Lilliwaup$1,572
Lincoln$1,827
Lind$1,697
Littlerock$2,003
Lochsloy$1,498
Lofall$1,373
Long Beach$1,548
Longbranch$1,488
Longmire$2,131
Longview$1,442
Longview Heights$1,442
Loomis$1,819
Loon Lake$1,781
Lopez Island$1,401
Lummi Island$1,406
Lyle$1,899
Lyman$1,950
Lynden$1,420
Lynnwood$1,450
Mabton$1,686
Machias$1,498
Malaga$1,704
Malden$1,712
Malo$1,769
Malone$1,435
Malott$1,846
Maltby$1,452
Manchester$1,383
Mansfield$1,759
Manson$1,674
Maple Falls$1,490
Maple Heights-Lake Desire$1,454
Maple Valley$1,466
Maplewood$1,525
Marblemount$1,672
Marcus$1,728
Marietta-Alderwood$1,440
Marlin$1,649
Marrowstone$1,448
Marshall$1,448
Martha Lake$1,475
Marysville$1,499
Matlock$1,599
Mattawa$1,845
Mazama$1,849
McChord AFB$1,504
McCleary$1,448
Mckenna$1,999
McMillin$1,508
Mead$1,392
Meadow Glade$1,423
Meadowdale$1,454
Medical Lake$1,432
Medina$1,459
Menlo$1,689
Mercer Island$1,443
Mesa$1,719
Metaline$1,629
Metaline Falls$1,645
Methow$1,855
Mica$1,873
Midland$1,512
Mill Creek$1,487
Mill Creek East$1,479
Millwood$1,406
Milton$1,545
Mineral$1,693
Minnehaha$1,396
Mirrormont$1,434
Moclips$1,558
Mohler$1,696
Monitor$1,691
Monroe$1,484
Monroe North$1,498
Montesano$1,605
Morton$1,673
Moses Lake$1,575
Moses Lake North$1,575
Mossyrock$1,683
Mount Vernon$1,437
Mount Vista$1,407
Mountlake Terrace$1,422
Moxee$1,814
Mukilteo$1,471
Naches$1,762
Nahcotta$1,996
Napavine$1,513
Naselle$1,670
Navy Yard City$1,392
Neah Bay$1,536
Nespelem$1,800
Newcastle$1,428
Newman Lake$1,365
Newport$1,655
Nine Mile Falls$1,468
Nisqually Indian Community$1,425
Nooksack$1,911
Nordland$1,448
Normandy Park$1,491
North Bend$1,518
North Bonneville$1,680
North Fort Lewis$1,476
North Lakewood$1,974
North Lynnwood$1,458
North Puyallup$1,533
North Yelm$1,524
Northport$1,699
Oak Harbor$1,576
Oakesdale$1,643
Oakville$1,558
Ocean Park$1,513
Ocean Shores$1,438
Odessa$1,690
Okanogan$1,846
Olalla$1,442
Olga$1,392
Olympia$1,471
Omak$1,708
Onalaska$1,497
Orchards$1,398
Orient$1,781
Orondo$1,762
Oroville$1,730
Orting$1,508
Othello$1,724
Otis Orchards$1,378
Otis Orchards-East Farms$1,371
Outlook$1,693
Oysterville$1,516
Pacific$1,500
Pacific Beach$1,553
Packwood$1,644
Palisades$1,636
Palouse$1,604
Paradise Inn$2,125
Parker$2,452
Parkland$1,494
Parkwood$1,383
Pasco$1,567
Pateros$1,809
Paterson$1,730
Pe Ell$1,631
Peaceful Valley$1,490
Peshastin$1,817
Picnic Point$1,459
Plymouth$1,611
Point Roberts$1,447
Pomeroy$1,691
Port Angeles$1,477
Port Angeles East$1,417
Port Gamble$1,379
Port Gamble Tribal Comunity$1,398
Port Hadlock$1,446
Port Hadlock-Irondale$1,446
Port Ludlow$1,428
Port Orchard$1,396
Port Townsend$1,416
Poulsbo$1,373
Prairie Heights$1,613
Prairie Ridge$1,508
Prescott$1,701
Preston$1,956
Prosser$1,748
Puget Island$1,546
Pullman$1,815
Purdy$1,525
Puyallup$1,528
Quilcene$1,581
Quinault$1,580
Quincy$1,691
Rainier$1,505
Randle$1,632
Ravensdale$1,515
Raymond$1,673
Reardan$1,630
Redmond$1,436
Renton$1,463
Republic$1,698
Retsil$1,953
Rice$1,725
Richland$1,574
Ridgefield$1,408
Ritzville$1,716
Riverbend$1,518
Riverside$1,848
Riverton$1,515
Rochester$1,461
Rock Island$1,807
Rockford$1,543
Rockport$1,641
Rocky Point$1,392
Rollingbay$1,924
Ronald$1,768
Roosevelt$1,819
Rosalia$1,646
Rosburg$1,549
Rosedale$1,525
Roslyn$1,740
Roy$1,546
Royal City$1,780
Ryderwood$1,538
Salkum$1,515
Salmon Creek$1,398
Sammamish$1,454
Satsop$1,966
Seabeck$1,386
Seahurst$2,000
SEATAC$1,505
Seattle$1,498
Seaview$1,538
Sedro-Woolley$1,430
Sekiu$1,555
Selah$1,632
Sequim$1,392
Shadow Lake$1,460
Shaw Island$1,438
Shelton$1,455
Shoreline$1,456
Silvana$2,064
Silver Creek$1,634
Silver Firs$1,474
Silverdale$1,372
Silverlake$1,466
Sisco Heights$1,532
Skamokawa Valley$1,543
Skokomish$1,455
Skykomish$1,688
Snohomish$1,487
Snoqualmie$1,486
Snoqualmie Pass$1,755
Soap Lake$1,636
South Bend$1,634
South Cle Elum$1,730
South Colby$1,872
South Creek$1,536
South Hill$1,535
South Prairie$1,505
South Wenatchee$1,601
Southworth$1,383
Spanaway$1,513
Spangle$1,578
Spokane$1,458
Spokane Valley$1,387
Sprague$1,702
Springdale$1,728
St. John$1,555
Stansberry Lake$1,512
Stanwood$1,530
Startup$1,597
Stehekin$1,926
Steilacoom$1,474
Steptoe$2,180
Stevenson$1,717
Stratford$1,618
Sudden Valley$1,466
Sultan$1,597
Sumas$1,454
Summit$1,544
Summit View$1,556
Sumner$1,549
Sunnyside$1,649
Sunnyslope$1,601
Suquamish$1,391
Tacoma$1,570
Taholah$1,552
Tahuya$1,463
Tanglewilde$1,434
Tanner$1,518
Tekoa$1,627
Tenino$1,476
Terrace Heights$1,655
Thornton$1,621
Thorp$1,627
Three Lakes$1,498
Tieton$1,595
Tokeland$1,622
Toledo$1,512
Tonasket$1,761
Toppenish$1,681
Touchet$1,597
Toutle$1,611
Town and Country$1,425
Tracyton$1,367
Trout Lake$1,672
Tukwila$1,497
Tumtum$1,747
Tumwater$1,444
Twisp$1,757
Underwood$1,713
Union$1,456
Union Gap$1,635
Union Hill-Novelty Hill$1,428
Uniontown$1,650
University Place$1,470
Usk$1,660
Vader$1,521
Valley$1,710
Valleyford$1,543
Vancouver$1,397
Vantage$1,568
Vashon$1,474
Vaughn$1,499
Venersborg$1,423
Veradale$1,377
Wahkiacus$1,951
Waitsburg$1,695
Waldron$1,436
Walla Walla$1,590
Walla Walla East$1,590
Waller$1,552
Wallula$1,822
Walnut Grove$1,395
Wapato$1,763
Warden$1,679
Warm Beach$1,530
Washougal$1,486
Washtucna$1,675
Waterville$1,639
Wauconda$1,802
Wauna$1,512
Waverly$2,030
Wellpinit$1,736
Wenatchee$1,601
West Clarkston-Highland$1,591
West Pasco$1,567
West Richland$1,614
West Side Highway$1,463
Westport$1,478
Whidbey Island Station$1,953
White Center$1,468
White Salmon$1,724
White Swan$1,736
Wilbur$1,749
Wilderness Rim$1,518
Wilkeson$1,520
Winlock$1,516
Winthrop$1,736
Wishram$1,713
Wollochet$1,490
Woodinville$1,462
Woodland$1,413
Woods Creek$1,484
Woodway$1,402
Yacolt$1,497
Yakima$1,626
Yarrow Point$1,444
Yelm$1,524
Zillah$2,017

Methodology

The rates shown in this article are based on non-binding quotes collected from Quadrant Information Services. Your rates may vary. Average rates were compiled from rates in Washington. The following coverages and deductible were used unless otherwise noted:

  • $400,000 dwelling coverage
  • $40,000 other structures
  • $200,000 personal property
  • $80,000 loss of use coverage
  • $100,000 liability
  • $5,000 medical payments
  • $1,000 deductible


Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.

For third-party customer service ratings, we included Complaint Index scores from the National Association of Insurance Commissioners (NAIC) and financial strength ratings from AM Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from AM Best reflect the ability to pay out claims.

*USAA is only available to active-duty and veteran military members and their families.