Best and Cheapest Homeowners Insurance in Washington for 2025 (Top 10 Low-Cost Companies)

The best and cheapest homeowners insurance in Washington begins with Geico, American Family, and Allstate, who offer rates starting from $55 per month. Home insurance in Washington state can vary depending on where you live and what kind of coverage you need, and these top home insurers have the coverage you need when it comes to protecting your home.

Because of their strong presence and knowledge of local risks, Washington state homeowners looking for the best bang for their buck will benefit from a company that combines quality coverage with affordable rates.

Company	Rank	Monthly Rates	A.M. Best	Best For	Jump to Pros/Cons
	#1	$55	A++	Affordable Rates	Geico
	#2	$59	A	Regional Strength	American Family
	#3	$62	A+	Extensive Discounts	Allstate
	#4	$67	A	Wide Availability	Liberty Mutual
	#5	$71	A++	Customizable Coverage	Travelers
	#6	$74	A+	Usage-Based Pricing	Progressive
	#7	$76	A	Policy Flexibility	Farmers
	#8	$81	A+	Telematics Options	Nationwide
	#9	$103	B	Customer Satisfaction	State Farm
	#10	$198	A++	Military Focus	USAA

If you seek cheap homeowners insurance in Washington or greater coverage options for your property, these companies deliver the most competitive home insurance quotes in Washington state. Enter your ZIP code to find robust dwelling coverage at an affordable price.

What You Should Know

• Geico leads Washington state's homeowners insurance at $55/mo
• Travelers stands out with customizable coverage options
• Allstate offers extensive discount programs

#1 - Geico: Top Overall Pick

Pros

• Cost Effective: Competitive rates starting at $55/month for Washington homeowners combined with comprehensive coverage options and reliable service quality.
• Discount Options: Multiple discounts available for Washington residents including military and public service personnel saving opportunities.
• Digital Access: Digital tools enable easy policy management and quick claims processing in Washington state with convenience.

Cons

• Third Party Service: Third party providers for Washington coverage so claims can be complicated for homeowners needing assistance.
• Limited Options: Limited customization prevents Washington homeowners from tailoring policies to their specific needs and preferences as well as for renters. (Read More: Geico Renters Insurance Review)

#2 - American Family: Best for Regional Knowledge

Pros

• Local Expertise: In our review of American Family insurance they deeply understand the risks Washington homeowners are facing with specialized coverage options for regional needs.
• Agent Support: Local agents provide personalized service with thorough knowledge of Washington's insurance rules and regulations.
• Disaster Coverage: Comprehensive protection for Washington's most common natural disasters and weather-related damage scenarios.

Cons

• Coverage Limitations: Coverage availability differs, limiting the choices for homeowners in some parts of Washington state.
• Service Areas: Some areas in Washington lack local agent coverage, possibly affecting service quality.

#3 - Allstate: Best for Discount Programs

Pros

• Savings Options: As mentioned in our Allstate insurance review they offer multiple comprehensive discount programs helping Washington homeowners reduce insurance costs effectively.
• Financial Strength: Maintains strong financial rating ensuring reliable claims support for Washington state property owners.
• Coverage Range: Provides protection for all types of Washington homes and locations with comprehensive insurance solutions.

Cons

• Policy Requirements: Most stringent underwriting requirements among all companies for Washington state homes needing protection.
• Complex Discounts: Discount program complexity probably needs extra work to get very good savings.

#4 - Liberty Mutual: Best for Wide Availability

Pros

• State Coverage: Provides comprehensive insurance solutions across all regions of Washington state for widespread accessibility. Learn more in our review of Liberty Mutual.
• Risk Protection: Creates specialized endorsements addressing Washington's common property risks and weather-related damage concerns.
• Claim Support: Strong financial stability ensures reliable claims support for Washington homeowners in emergency situations.

Cons

• Premium Rates: Higher rates may discourage Washington residents seeking affordable home insurance coverage options today.
• Complex Savings: Intricate discount system requires careful navigation for Washington homeowners to maximize potential savings opportunities.

#5 - Travelers: Best for Customizable Coverage

Pros

• Flexible Plans: Our Travelers insurance review mentions their customizable coverage for unique Washington properties like historic homes and eco-friendly houses with specialized protection.
• Financial Backing: Strong financial strength ensures reliable support for Washington homeowners during natural disasters and emergencies.
• Green Options: Specialized green home coverage designed for environmentally conscious Washington eco homeowners seeking protection.

Cons

• Cost Factor: May not be the most affordable option for Washington homeowners looking for budget-friendly insurance solutions.
• Complex Structure: Policy structure requires careful review so Washington homeowners must read thoroughly to understand coverage details.

#6 - Progressive: Best for Usage-Based Insurance

Pros

• Smart Monitoring: Progressive's usage based system monitors Washington homes in real time, rates are based on actual risk management.
• Local Partnerships: Partners with local Washington insurers to offer competitive rates and maintain strong local market connections.
• Online Platform: Great online tools for Washington homeowners to compare quotes and manage policies with ease.

Cons

• Complex Claims: Third party underwriting can be confusing for Washington homeowners when filing claims or making policy changes.
• Variable Coverage: Coverage options vary between Washington partner insurers so standardization is difficult across the state.

#7 - Farmers: Best for Policy Flexibility

Pros

• Custom Solutions: Farmers insurance group have policies for different types of Washington homes with flexible coverage options meeting diverse needs.
• Claims Expertise: Extensive experience handling Washington claims, especially those involving natural disasters and severe weather.
• Environmental Focus: Specialized coverage options designed for Washington's unique weather patterns and environmental risk factors.

Cons

• Cost Concerns: Insurance rates remain higher than many competitors for Washington homeowners working within budget constraints.
• Tech Limitations: Digital tools and online services lag behind other major providers serving Washington state residents today.

#8 - Nationwide: Best for Telematics Options

Pros

• Smart Prevention: Telematics helps Washington homeowners prevent claims by detecting and monitoring issues early with advanced technology.
• Weather Protection: Read our Nationwide insurance review for their specialized coverage designed specifically for Washington's weather and natural disaster risks throughout the year.
• Financial Security: Strong financial rating ensures reliable claim payments for Washington state homeowners facing property damage.

Cons

• Rural Coverage: Limited presence in rural Washington so service is difficult for homeowners outside major metropolitan areas.
• Premium Rates: Higher rates than competitors may not be the most affordable option for Washington homeowners seeking coverage.

#9 - State Farm: Best for Customer Service

Pros

• Agent Network: Has many local agents in Washington providing personalized service with deep knowledge of local needs.
• Regional Focus: As mentioned in our State Farm insurance review, they offer coverage options specifically designed for Washington's unique climate and environmental challenges today.
• Claims Support: Great customer service with quick claims response for Washington homeowners facing emergency situations.

Cons

• Premium Costs: Higher monthly rates than other Washington providers may strain homeowners in expensive housing areas.
• Financial Rating: Lower financial strength rating may concern Washington homeowners looking for long term stability in their insurer.

#10 - USAA: Best for Military Families

Pros

• Military Coverage: USAA is the best coverage for military families in Washington with natural disaster coverage and comprehensive deployment benefits.
• Digital Experience: Great digital tools for Washington state residents to manage policies online which is perfect for active duty members.
• Military Focus: Exclusive military-specific coverage options and understanding of service member needs.

Cons

• Limited Eligibility: Membership limited to military and families so most Washington state homeowners can't get affordable coverage.
• Office Accessibility: Limited offices in Washington so in person service is difficult for policyholders who want to meet.

Homeowners Insurance in Washington State

Geico is the cheapest option if you are searching for the lowest homeowners insurance rates in Washington, with minimum coverage costing $55 per month. For a $200k policy, Geico offers the most competitive rate at $55 per month, followed by American Family at $59 and Allstate at $62.

Insurance Company	$200k Policy	$300k Policy	$500k Policy
	$62	$93	$154
	$59	$89	$148
	$76	$117	$200
	$55	$83	$138
	$67	$100	$167
	$81	$122	$202
	$74	$111	$185
	$103	$154	$256
	$71	$107	$175
	$198	$296	$490

Looking at the broader market, Travelers offers mid-range rates at $71 monthly for a $200k policy, while companies like State Farm and USAA represent the higher end of the spectrum at $103 and $198 respectively for the same coverage level. Understanding homeowners insurance and the types of claims can help homeowners better prepare for risks.

Claim Type	Portion of Claims	Cost per Claim
Wind and Hail Damage	39%	$7,200
Water Damage	23%	$5,000
Fire Damage	21%	$9,000
Theft Claim	12%	$4,500
Other Property Damage	5%	$6,800

The Washington state's home insurance market shows significant variation, with rates spanning from Geico's competitive $55 monthly rate to USAA's premium rates of $198 for a $200k policy, highlighting the importance of comparing multiple home insurance quotes in Washington.

Washington State Home Insurance Coverage Guide

Different homeowners policies will include different types of coverage, but standard coverages include the following.

• Dwelling Coverage: This is coverage for your house itself, and usually contains protection from perils like fire, smoke, lightning, vandalism and malicious mischief, and more.

• Other Structures Coverage: This covers any additional structures you have on your property, like sheds, garages, and carports.

• Personal Property Coverage: This is coverage for the property inside your home. It pays for the repair or replacement of items that are damaged or stolen.

• Personal Liability Coverage: Liability protection pays for medical expenses if someone is injured on your property, i.e., if someone trips and falls or your dog bites someone.

Additional living expenses coverage pays for the cost of hotels and food if you are unable to live in your home as a result of damages. You can also opt in for property damage coverage, which specifically covers damage you cause to other people's property.

The standard homeowners insurance policy may not fully address your needs, especially in cities with higher claim frequencies, as shown in the table below. Additional coverage options can provide crucial protection against unforeseen risks.

City	Accidents per Year	Claims per Year
Bellevue	450	300
Seattle	2,345	1,400
Spokane	1,120	750
Tacoma	1,510	1,200
Vancouver	980	680

People living in areas with varying risks should evaluate their homeowners insurance policies to ensure adequate protection. As the table below highlights, certain risk factors, such as weather-related events and vehicle theft rates, can influence insurance needs and claims.

Category	Grade	Explanation
Weather-Related Risk	A	Moderate weather reduces risk
Traffic Density	B	Average claim risks due to density
Uninsured Drivers Rate	B	Fewer uninsured drivers than average
Vehicle Theft Rate	C+	Higher theft rates in cities
Average Claim Size	C	Moderate claim costs compared nationally

For instance, Washington's weather-related risk earns an "A" grade due to moderate conditions, reducing the likelihood of severe weather claims. However, a C+ grade for vehicle theft rates in urban areas suggests that property crime could impact claims in cities. Additionally, the average claim size remains moderate, providing a manageable cost perspective.

People who live in high-value homes or who keep valuable items in their home like jewelry, sports equipment, or musical instruments, may wish to increase their policy limits. Those with considerable personal wealth may wish to increase their liability limits.

Washington Homeowners Insurance Discounts & Savings

If you’re looking to find the best homeowners insurance in Washington, you need to know which companies will provide the strongest coverage and provide the most worthwhile discounts.

Discount Name	Grade	Savings	Participating Providers
Bundling Discount	A	25%	State Farm, Allstate, Geico
Claims-Free Discount	A-	20%	Nationwide, Farmers, USAA
Loyalty Discount	B+	15%	Liberty Mutual, Travelers
New Home Discount	B	10%	Progressive, American Family
Security System Discount	B	10%	Allstate, State Farm, Liberty Mutual

Below are some of the top providers, and what they have to offer by way of discounts including multi policy, homeowner, and defensive driving.

Insurance Company	Available Discounts
	Bundling, Homeowner, Safe Driver, New Car, Anti-Theft, Defensive Driving
	Bundling, Homeowner, Defensive Driving, Auto Safety, Good Student, Loyalty
	Bundling, Safe Driver, Homeowner, Good Student, Defensive Driving, New Car
	Bundling, Safe Driver, Homeowner, Good Student, Defensive Driving, New Vehicle
	Bundling, Homeowner, New Car, Accident-Free, Safe Driver, Defensive Driving
	Bundling, SmartRide, SmartMiles, Defensive Driving, Accident-Free, Homeowner
	Bundling, Homeowner, Multi-car, Snapshot, Continuous Insurance, Safe Driver
	Bundling, Safe Driver, Defensive Driving, Homeowner, Accident-Free, Good Student
	Bundling, Safe Driver, Homeowner, Good Payer, Continuous Insurance, New Car
	Bundling, Safe Driver, Defensive Driving, Good Student, New Vehicle, Loyalty

When it comes to finding the appropriate homeowners insurance provider, you want to get the right protection for your home, at the right price, with the right discounts. These top companies offer wonderful ways to save, providing chances for multi policy savings, smart home devices discounts and loyalty programs.

Making the Smart Choice for Washington Home Insurance

Geico, American Family, and Allstate are top providers for the best and cheapest homeowners insurance in Washington due to their unique strengths. Geico offers competitive rates and comprehensive coverage options, making it accessible for most Washington homeowners.

American Family brings strong regional expertise and personalized service through local agents, while Allstate stands out with its extensive discount programs and robust coverage options.

When you bundle, you don't have to pick 😉 #NFLDraft pic.twitter.com/LL0aBcY0Dm

— GEICO (@GEICO) April 27, 2023

If you're in search of both affordable and high-quality homeowners insurance in Washington, use our free quote comparison tool to find the best homeowners insurance company that offers the comprehensive coverage you need at low rates.