Washington homeowners insurance cost
West region · NAIC 2022 HO-3 average · rank #37 of 51
The average annual homeowners insurance premium in Washington is about $1,151 for the standard HO-3 policy form (NAIC 2022 data, the latest available) — about 27% below the national average of $1,569. Washington ranks #37 of 51 states and DC (1 = most expensive), making it low on home-insurance cost, below the national average. The main local cost drivers are low hurricane and hail exposure, earthquake exposure (priced separately), wildfire in some areas. This is a countrywide average, not a quote for your home.
Source: NAIC Homeowners Insurance Report (2022 data, latest available). Data as of June 2026.
Washington home insurance at a glance
| Figure | Washington |
|---|---|
| Average annual HO-3 premium | $1,151 |
| National average (HO-3) | $1,569 |
| vs national average | -27% (about 27% below the national average) |
| State rank (1 = most expensive of 51) | #37 |
| Cost band | Low (below the national average) |
| Region | West |
Source: NAIC Homeowners Insurance Report (2022 data, latest available). Data as of June 2026.
What drives home insurance cost in Washington
A homeowners premium mostly reflects how likely and how expensive a claim is. In Washington, the main factors behind the $1,151 average are:
- low hurricane and hail exposure
- earthquake exposure (priced separately)
- wildfire in some areas
On top of these location factors, your own premium swings with your home's rebuilding cost (Coverage A), roof age and material, deductible, claims history and, in most states, your insurance credit score. See our premium drivers guide for how each one moves the price.
Estimated Washington premium by dwelling coverage
A rough idea of how the Washington average scales with the amount of dwelling (Coverage A) you carry. These are illustrative estimates from the state average scaled by a coverage factor — not quotes.
| Dwelling coverage (Coverage A) | Estimated annual premium |
|---|---|
| $200,000 to $299,999 | $1,151 |
| $300,000 to $399,999 | $1,473 |
| $400,000 to $499,999 | $1,796 |
| $500,000 and over | $2,302 |
Source: Estimated from the NAIC 2022 Washington average and a coverage-scaling factor. Data as of June 2026.
For a tailored figure use the premium estimator. The scaling factors are an approximation documented on the methodology page, not published NAIC band data.
How Washington compares with similar states
| State | Avg HO-3 / yr | vs national |
|---|---|---|
| Washington (this state) | $1,151 | -27% |
| Alaska | $1,129 | -28% |
| Pennsylvania | $1,120 | -29% |
| New Hampshire | $1,188 | -24% |
| West Virginia | $1,113 | -29% |
| Indiana | $1,191 | -24% |
Frequently asked questions
How much is homeowners insurance in Washington?
The average annual homeowners (HO-3) premium in Washington is about $1,151, about 27% below the national average of $1,569 (NAIC 2022 data, the latest available). It ranks #37 of 51 states and DC, where 1 is the most expensive. This is a countrywide average, not a quote for your home.
Why is home insurance priced the way it is in Washington?
Washington's premiums are shaped mainly by low hurricane and hail exposure, earthquake exposure (priced separately), wildfire in some areas. Catastrophe exposure (wind, hail, wildfire), rebuilding costs and claims history are the biggest levers on a homeowners premium. Washington is low versus the national average, below the national average.
Is Washington home insurance going up?
Yes, like most of the country. NAIC's latest report shows the national HO-3 average rose about 11.26% in 2022 year-over-year, driven by reconstruction-cost inflation and rising catastrophe losses. 2022 is the latest published data year, so current Washington premiums are likely higher than the figure shown. Verify with insurers.
Is the $1,151 figure a quote?
No. $1,151 is the NAIC 2022 countrywide average HO-3 premium for Washington - an average across all homes and insurers, not a quote for your property. Your actual premium depends on your home's value, age, construction, roof, deductible, claims history, credit and insurer. Always get real quotes.
Keep exploring
YMYL note. The $1,151 figure is the NAIC 2022 countrywide average for Washington - general information, not a quote. Homeowners insurance protects one of your largest assets; actual premiums vary widely by home and insurer. Always get real quotes from licensed insurers and verify coverage with your state insurance department.
Last updated: 2026-06-20