Affordable Home Insurance in Washington
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What drives home insurance rates in Washington
Average homeowners premium, 2023
$1,232
The average homeowners policy in Washington cost $1,232 for a year of coverage in 2023, against $1,737 nationally.
Claims paid per premium dollar, 2023
75.7¢
Home insurers in Washington paid 75.7 cents in claims for every premium dollar in 2023; the median state was 64 cents.
Severe weather events, 2024
8
NOAA logged 4 tornado, 2 large-hail and 2 flash-flood event reports in Washington in 2024, counted per county or zone. Wind and hail claims fall on the homeowners policy; flood needs its own.
Natural-hazard loss rank
#5
FEMA ranks Washington #5 of 51 for expected annual loss from natural hazards; earthquake accounts for 54% of that loss, and earthquake damage needs a separate endorsement or policy.
- Average homeowners premium, 2023: NAIC Homeowners Insurance Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Severe weather events, 2024: NOAA Storm Events Database, 2024
- Natural-hazard loss rank: FEMA National Risk Index
Largest home insurers in Washington
The ten insurer groups that wrote the most home premium in Washington in 2025, with their share of the state total of $3.9 billion.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | State Farm Group | 16.35% | $630 million |
| 2 | Liberty Mutual Group | 14.31% | $551 million |
| 3 | Allstate Insurance Group | 11.43% | $440 million |
| 4 | Farmers Insurance Group | 11.25% | $433 million |
| 5 | United Services Automobile Association Group | 10% | $385 million |
| 6 | American Family Insurance Group | 8.9% | $343 million |
| 7 | Travelers Group | 4.82% | $186 million |
| 8 | Pemco Mutual Insurance Co. | 4.69% | $181 million |
| 9 | Mutual Of Enumclaw Group | 2.28% | $88 million |
| 10 | Progressive Group | 2.1% | $81 million |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
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