Home insurance cost in Washington
About $1,880 a year, or $157 a month, for $400,000 of dwelling coverage, per NerdWallet's 2026 rates. The U.S. average is $2,490.
Home insurance cost
$1,880
a year
A month
$157
Rank
17 of 51
1 = cheapest; −24% vs U.S.
| State | Home insurance cost | Rank |
|---|---|---|
| Utah | $1,810 | 15 |
| California | $1,820 | 16 |
| Washington | $1,880 | 17 |
| Louisiana | $2,020 | 18 |
| Ohio | $2,080 | 19 |
| U.S. | $2,490 | - |
Common questions
How much is homeowners insurance in Washington?
About $1,880 a year, or $157 a month, for $400,000 of dwelling coverage, per NerdWallet's 2026 rates. The U.S. average is $2,490.
Is home insurance in Washington expensive?
Washington ranks 17 of 51 (1 = cheapest). Your price depends on the home's rebuild cost, location, claims history, credit and deductible.
Add insurance and taxes to a full payment with the mortgage calculator.
More for Washington: monthly budget · take-home pay · rent.