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Washington Home Insurance Estimator โ€” Updated 2026

State abbreviation: WA

Homeowners insurance in Washington averages $1,440/year, depending on home value, location (wildfire/flood zones), age, and coverage limits. For a home valued at $595,000, you should budget 0.24% of its value annually for insurance. Insurance costs here are above the national average.

Washington Financial Data (2026)

State Tax Rate
None
Property Tax Rate
0.94%
Median Home Price
$595,000
Avg Insurance Cost
$1,440/year
Cost of Living Index
120
State Abbreviation
WA