Best Homeowners Insurance in Washington
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.
Washington’s cheapest home insurance companies
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 | $907 | Not rated |
 | Allstate | $1,061 |  |
 | Nationwide | $1,240 |  |
 | State Farm | $1,294 | |
 | Travelers | $1,871 | |
 | Farmers | $2,066 | |
 | Chubb | $2,113 | |
 | Country Financial | $2,543 | |
 | USAA* | $1,308 | |
Best homeowners insurance companies 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
| Company | Average 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 | $907 | Not rated | 0.32 (Excellent) |
| Best discounts: Allstate | $1,061 | 631 (Below average) | 1.07 (Average) |
| Best for military: USAA | $1,308 | 737 (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
Cost of homeowners insurance 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
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 limit | Average 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.
Washington home insurance rates by city
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
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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.
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*USAA is only available to active-duty and veteran military members and their families.