Average insurance rates across 152 cities in Washington
| City | Population | Home /yr | Auto /yr | Health | Renters |
|---|---|---|---|---|---|
| Seattle | 737,015 | $2,160 | $2,458 | $537/mo | $25/mo |
| Kennewick | 259,995 | $1,856 | $2,112 | $521/mo | $22/mo |
| Spokane | 228,989 | $1,392 | $1,584 | $497/mo | $16/mo |
| Bremerton | 226,805 | $1,856 | $2,112 | $521/mo | $22/mo |
| Tacoma | 219,346 | $1,667 | $1,897 | $511/mo | $20/mo |
| Olympia | 210,877 | $1,856 | $2,112 | $521/mo | $22/mo |
| Vancouver | 190,700 | $1,856 | $2,112 | $521/mo | $22/mo |
| Marysville | 162,664 | $1,856 | $2,112 | $521/mo | $22/mo |
| Bellevue | 151,854 | $2,204 | $2,508 | $539/mo | $26/mo |
| Kent | 135,169 | $1,856 | $2,112 | $521/mo | $22/mo |
| Yakima | 132,354 | $1,856 | $2,112 | $521/mo | $22/mo |
| Bellingham | 129,880 | $1,856 | $2,112 | $521/mo | $22/mo |
| Everett | 110,847 | $1,856 | $2,112 | $521/mo | $22/mo |
| Renton | 105,355 | $1,856 | $2,112 | $521/mo | $22/mo |
| Spokane Valley | 103,761 | $1,856 | $2,112 | $521/mo | $22/mo |
Washington residents pay an average of $1,450 per year for home insurance and $1,650 for auto insurance. Washington follows an at-fault insurance system, meaning the driver who caused the accident is responsible for damages. The minimum auto liability coverage required is 25/50/10.
Health insurance in Washington averages $500 per month for an individual Silver marketplace plan. The weather risk level is medium, with earthquake risk to consider. Top insurance providers in Washington include State Farm, Pemco, Safeco.
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Policygenius The ZebraThe average home insurance cost in Washington is $1,450 per year. Rates range from $900 to $2,100 depending on home value, location, and coverage level.
Auto insurance in Washington averages $1,650 per year for full coverage. The state minimum coverage is 25/50/10.
Washington has below-average insurance costs, with home insurance at $1,450/yr and auto at $1,650/yr compared to national averages of $2,300 and $1,800 respectively.
Washington requires minimum liability coverage of 25/50/10 (bodily injury per person / per accident / property damage in thousands). It follows an at-fault system.
Last updated: March 2026. Insurance cost estimates are averages for informational purposes.