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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 groupMarket sharePremiums written
1State Farm Group16.35%$630 million
2Liberty Mutual Group14.31%$551 million
3Allstate Insurance Group11.43%$440 million
4Farmers Insurance Group11.25%$433 million
5United Services Automobile Association Group10%$385 million
6American Family Insurance Group8.9%$343 million
7Travelers Group4.82%$186 million
8Pemco Mutual Insurance Co.4.69%$181 million
9Mutual Of Enumclaw Group2.28%$88 million
10Progressive Group2.1%$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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