We evaluated insurance quotes for a sample 2,000 square foot home in 80 cities in the state of Washington in order to determine which cities had the highest and lowest annual home insurance rates. Based on our research, Washington homeowners pay an average of $914 per year for home insurance. Out of the three insurance companies used for quotes, Farmers had the most affordable rates in the city. Read more about our findings below, or use our quote tool above to start finding homeowners insurance quotes in your area.
- Cheapest Home Insurance Companies
- Homeowners Insurance Rates in Washington's Largest Cities
- Top 5 Least Expensive Cities for Home Insurance in Washington
- Top 5 Most Expensive Cities for Home Insurance in Washington
Cheapest Home Insurance Companies in Washington
We gathered quotes for our sample home across 80 cities from State Farm, Nationwide, and Farmers. Quotes from each company were averaged to find which insurance companies had the most affordable home insurance rates in Washington. The graph below shows the average annual costs to insure our sample home by company:
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Homeowners Insurance Rates in Washington's Largest Cities
We collected homeowners insurance rates across the ten most populous cities in Washington. Our study applied control variables to gather quotes and compare each city's home insurance. The average cost of home insurance in the ten largest cities was $909 per year. On average, homeowners in the ten largest cities pay $5 less than the state mean.
Seattle is the most populous city in the state of Washington. From 2010 to 2015, the city grew by an average of 14,511 people each year, according to census data. The growth in population was driven by the increase of technology companies in the area. Based on our research, the average cost of home insurance in Seattle was $766 per year, which is 16% more affordable than the state mean.
State Farm offered the most expensive home insurance quote in Seattle at $897 annually. Nationwide, the most expensive insurer in the state, quoted our sample home an annual cost of $634, or $263 lower than State Farm. Seattle ranks as the cheapest city for home insurance in Washington out of the ten largest cities.
Spokane, known as Lilac City, is the second largest city in the state of Washington. The city is the birthplace of Father's Day, which started in 1910 when a young woman wanted to honor her dad and petitioned to make the day recognized in her city. On average, residents of Spokane pay $793 for homeowners insurance annually. Home insurance rates in Spokane are $121 lower than the average in Washington.
The most affordable rates in the area are offered by Farmers at $777. The second least expensive rate quoted for our sample home was offered by State Farm at $783. And the most expensive rate was quoted by Nationwide at $818, which is $41 more than Farmers' quote. According to our research, Spokane is the second cheapest city for homeowners insurance compared to the ten most populous cities in Washington.
Tacoma is the third most populous city in Washington. It was named the "City of Destiny" in the late 19th century when the Northern Pacific Railroad chose the area to be the western terminus. We found that the average homeowners insurance quote in the city was $1,003, which is 10% more than the state mean.
Nationwide offered the most expensive home insurance quote for our sample home in Tacoma at $1,063. Farmers offered the second highest rate of $1,043, which is $20 less than Nationwide's quote. State Farm offered the least expensive rate in the city of $905 per year. Out of the ten largest cities, Tacoma ranked as the third most expensive city in Washington.
Vancouver is the fourth largest city in the state of Washington. The city is located along the Columbia River on the border of Washington and Oregon. According to our study, the average annual homeowners insurance quote in Vancouver was $1,055 per year, which is $141 more expensive than the state mean.
Nationwide offered a quote of $1,439 in Vancouver, which is almost twice Farmer's quote of $776. State Farm quoted the second most affordable rate of $949 for our sample home, which is $490 cheaper than Nationwide's quote. Vancouver had the ninth most expensive average rate for homeowners insurance out of the 80 cities in our study.
Bellevue, located in the western part of Washington, is the fifth most populous city in the state. Multiple companies are headquartered in the city including T-Mobile USA and Expedia, Inc. The average home insurance quote for our sample home in Bellevue was $834, which is 9% more affordable than the state mean.
Farmers and State Farm quoted home insurance rates of $562 and $941 for our sample home, respectively. Nationwide's quote of $1,000 was almost twice the amount quoted by Farmers and $59 more than the rate offered by State Farm. Bellevue ranked as the third cheapest city for homeowners insurance out of the ten largest cities in Washington.
Everett is the sixth largest city within the state of Washington. The city is home to the Boeing Everett Factory, which is an assembly plant for planes and is the largest building in the world by volume. In Everett, our research found that the mean home insurance rate was $865 per year, which is $49 less than the state average.
Farmers offered the lowest quote in the city at a cost of $689 per year. The second most affordable homeowners insurance quote gathered was offered by State Farm at a cost of $834. Nationwide offered the most expensive quote at $1,071 per year, which is $382 more than Farmers’.
Kent, located near Puget Sound, is the seventh largest city in Washington. Some of the major employers in Kent include Boeing Space & Defense, Starbucks, and Recreation Equipment Inc. (REI). Our research found that the average home insurance premium in Kent was $894, which is 2% less than the average in the state of Washington.
State Farm quoted our sample home an annual insurance cost of $967. Nationwide, the most expensive insurer in the state, offered the cheapest quote in the city of $757. Kent ranks near the middle for affordable home insurance rates in Washington, landing at 38th most affordable city of the 80 cities in our study.
Yakima is the eighth largest city in Washington. It is located in the Yakima Valley and known for its wineries and apple orchards. The city is also one of the largest producers of hops in the United States. We found the mean annual home insurance cost in Yakima to be $1,000, which is 9% more than the state average.
If you’re looking for affordable home insurance rates in Yakima, we suggest starting with Farmers which quoted our sample home a premium of $652 annually. State Farm offered the least affordable rate at $1,219, which is $567 more per year than Farmers’. Yakima ranked as the 59th cheapest city out of the 80 cities used in our study.
Renton, bordered by Lake Washington, is the ninth most populous city in the state of Washington. The city is home to the Virginia Mason Athletic Center (VMAC), which is the headquarters of the NFL's Seattle Seahawks. Renton has an average homeowners insurance rate that is 11% higher than the state mean. Residents pay an average of $1,015 a year for homeowners insurance.
State Farm quoted the lowest rate for our sample home in Renton at $897 annually, which is $313 less than the rate of $1,210 provided by Nationwide. According to our study, homeowners in the city of Bellevue pay $101 more for their home insurance compared to the state mean. Compared to the ten most populous cities in Washington, Bellevue ranks second for the most expensive home insurance.
Spokane Valley, WA
Spokane Valley is the tenth most populous city in the state of Washington. It is located on the eastern side of the state, along the Spokane River. The city is less than 20 miles from Idaho. The average homeowners insurance rate in Spokane Valley was $869. This rate is $45 lower than the state average, which represents a 5% discount.
State Farm quoted the cheapest home insurance quote in the area at $823. Farmers offered the second least expensive home insurance quote at $868, which is $47 less expensive than Nationwide's' quote of $915. Spokane Valley ranks as the 33rd most affordable city for homeowners insurance out of the 80 cities from our study.
Least Expensive Homeowners Insurance in Washington: by City
The graph below shows the five most affordable cities in Washington of all 80 cities from our study. The cities are listed in order of mean price, starting with the lowest average home insurance rate and ascending. The figures listed in the graph represent the mean home insurance rate in each city. Bellingham is the cheapest city in Washington for homeowners insurance. On average, residents pay $687 annually, which is $227 lower than the state average.
As previously mentioned, Bellingham is the most affordable city in the state of Washington for homeowners insurance. Residents pay $19 less, on average, for their homeowners insurance policy than the next most affordable city in Washington, Lynden. Farmers offered the most affordable quote at $572.
Lyden offers the second cheapest rates for home insurance of the 80 cities in our study. The mean home insurance quote in the city was $706, which is 23% cheaper than the state average. The most affordable quote in Lynden was offered by Farmers at $602 per year.
Blaine ranks as the third least expensive city in Washington for homeowners insurance. The average home insurance quote gathered for the city of Blaine was $713, which is $201 less than the state mean. On a percentage basis, this represents a 22% discount.
Port Orchard, WA
Port Orchard offers the fourth most affordable home insurance rates in the state. Residents pay on average $716 per year, which is $198 less than the state average. The lowest rate in the city was offered by Nationwide at $638.
Poulsbo is ranked as the fifth least expensive city in Washington for home insurance. On average, residents pay $718 for home insurance, which represents a 21% lower rate when compared to the state mean. On an annual basis, residents save $196 on homeowners insurance versus the state average.
Most Expensive Homeowners Insurance in Washington: by City
The graph below shows the five most expensive places of all 80 cities from our study. The cities are listed in order of price starting with the highest mean rate and descending. The figures listed represent the average home insurance rate in each city. The most expensive city for homeowners insurance was Sunnyside where our research found an average annual rate of $1,373, which is 50% higher than the state mean.
We studied 80 cities, spread out geographically in the state of Washington. The sample home we used was built in the year 2000 and had 2,000 square feet. The property cost $200,000 and had an attached garage. Quotes for this home were obtained from State Farm, Nationwide, and Farmers insurance companies. The rates were then averaged to arrive at a mean value for each city. Below is an alphabetical list of all the cities included in the comparison analysis. We've displayed all cities from Aberdeen to Yelm with the average annual cost of insurance for the benchmark property and how much each city costs relative to the statewide mean.
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