Washington
Auto and home insurance in Washington
State auto minimums, homeowners premium averages, and city guides for Washington households. A quote is not a binder.
64% of Washington households own their home, the median owner-occupied home is valued at $564,600, and 63% of workers drive to work alone (ACS 2020–2024). That makes auto and homeowners coverage the two policies most Washington families need. Below: the state's auto minimums, average homeowners premiums, local risks, and city guides.
Washington auto insurance requirements
Washington requires liability limits of at least 25/50/10 ($ thousands of bodily injury per person / per accident / property damage). Other required coverage: none beyond liability. Most homeowners carry well above the minimum. Compare all ten states in our state minimums guide.
Average homeowners premiums in Washington
The NAIC's 2023 average HO-3 premium in Washington was $1,232, versus $1,737 countrywide. Averages climb with the amount of dwelling coverage.
| Dwelling coverage amount | Washington average HO-3 premium (2023) | Countrywide average |
|---|---|---|
| Under $150,000 | $521 | $954 |
| $150,000–$199,999 | $744 | $1,192 |
| $200,000–$224,999 | $808 | $1,282 |
| $225,000–$249,999 | $846 | $1,297 |
| $250,000–$274,999 | $888 | $1,350 |
| $275,000–$299,999 | $924 | $1,414 |
| $300,000–$324,999 | $957 | $1,475 |
| $325,000–$349,999 | $1,001 | $1,492 |
| $350,000–$399,999 | $1,054 | $1,598 |
| $400,000–$449,999 | $1,132 | $1,679 |
| $450,000–$499,999 | $1,209 | $1,825 |
| $500,000–$599,999 | $1,317 | $1,973 |
| $600,000–$699,999 | $1,460 | $2,249 |
| $700,000–$999,999 | $1,895 | $2,916 |
| $1,000,000 and over | $2,684 | $4,314 |
| All amounts (state average) | $1,232 | $1,737 |
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Source: NAIC, Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner’s Insurance Report: Data for 2023, Table 4. Report (PDF).
How Washington drives
Statewide, 63% of workers drive alone, 8% carpool, and 20% work from home. 17% commute 45 minutes or more, and 26% of households have three or more vehicles. Mileage, garaging location, and the number of drivers and cars all feed into auto pricing.
What moves a Washington auto and home quote
- Driving records and the number of drivers and vehicles.
- Mileage and garaging, including commute length.
- Rebuild cost and the age of the roof and home systems.
- Local losses, especially windstorms that drop trees on cars and roofs and wildfire east of the Cascades.
- Deductibles and limits on both policies.
- Claims history and other rating factors allowed in Washington.
- Discounts such as multi-policy, multi-car, and protective devices.
City guides for Washington
- Auburn
- Bellevue
- Bellingham
- Bothell
- Bremerton
- Burien
- Edmonds
- Everett
- Federal Way
- Kennewick
- Kent
- Kirkland
- Lacey
- Lakewood
- Lynnwood
- Marysville
- Olympia
- Pasco
- Puyallup
- Redmond
- Renton
- Richland
- Sammamish
- Seattle
- Shoreline
- Spokane
- Spokane Valley
- Tacoma
- Vancouver
- Yakima
Guides
- Bundling auto and home insurance
- Minimum auto insurance requirements in our ten states
- What full coverage auto insurance really means
- Homeowners insurance coverage explained
- Personal umbrella insurance over your auto and home
- How to lower your auto and home insurance premiums
More Washington communities
We accept quote requests from anywhere in Washington. Other cities and towns, listed by county:
- Adams County — Hatton; Lind; Othello; Ritzville; Washtucna
- Asotin County — Asotin; Clarkston
- Benton County — Benton City; Prosser; West Richland
- Chelan County — Cashmere; Chelan; Entiat; Leavenworth; Wenatchee
- Clallam County — Forks; Port Angeles; Sequim
- Clark County — Battle Ground; Camas; La Center; Ridgefield; Washougal; Yacolt
- Columbia County — Dayton; Starbuck
- Cowlitz County — Castle Rock; Kalama; Kelso; Longview; Woodland
- Douglas County — Bridgeport; East Wenatchee; Mansfield; Rock Island; Waterville
- Ferry County — Republic
- Franklin County — Connell; Kahlotus; Mesa
- Garfield County — Pomeroy
- Grant County — Coulee City; Electric City; Ephrata; George; Grand Coulee; Hartline; Krupp; Mattawa; Moses Lake; Quincy; Royal City; Soap Lake; Warden; Wilson Creek
- Grays Harbor County — Aberdeen; Cosmopolis; Elma; Hoquiam; McCleary; Montesano; Oakville; Ocean Shores; Westport
- Island County — Coupeville; Langley; Oak Harbor
- Jefferson County — Port Townsend
- King County — Algona; Beaux Arts Village; Black Diamond; Carnation; Clyde Hill; Covington; Des Moines; Duvall; Enumclaw; Hunts Point; Issaquah; Kenmore; Lake Forest Park; Maple Valley; Medina; Mercer Island; Newcastle; Normandy Park; North Bend; Pacific; SeaTac; Skykomish; Snoqualmie; Woodinville; Yarrow Point
- Kitsap County — Bainbridge Island; Port Orchard; Poulsbo
- Kittitas County — Cle Elum; Ellensburg; Kittitas; Roslyn; South Cle Elum
- Klickitat County — Bingen; Goldendale; White Salmon
- Lewis County — Centralia; Chehalis; Morton; Mossyrock; Napavine; Pe Ell; Toledo; Vader; Winlock
- Lincoln County — Almira; Creston; Davenport; Harrington; Odessa; Reardan; Sprague; Wilbur
- Mason County — Shelton
- Okanogan County — Brewster; Conconully; Coulee Dam; Elmer City; Nespelem; Okanogan; Omak; Oroville; Pateros; Riverside; Tonasket; Twisp; Winthrop
- Pacific County — Ilwaco; Long Beach; Raymond; South Bend
- Pend Oreille County — Cusick; Ione; Metaline; Metaline Falls; Newport
- Pierce County — Bonney Lake; Buckley; Carbonado; DuPont; Eatonville; Edgewood; Fife; Fircrest; Gig Harbor; Milton; Orting; Roy; Ruston; South Prairie; Steilacoom; Sumner; University Place; Wilkeson
- San Juan County — Friday Harbor
- Skagit County — Anacortes; Burlington; Concrete; Hamilton; La Conner; Lyman; Mount Vernon; Sedro-Woolley
- Skamania County — North Bonneville; Stevenson
- Snohomish County — Arlington; Brier; Darrington; Gold Bar; Granite Falls; Index; Lake Stevens; Mill Creek; Monroe; Mountlake Terrace; Mukilteo; Snohomish; Stanwood; Sultan; Woodway
- Spokane County — Airway Heights; Cheney; Deer Park; Fairfield; Latah; Liberty Lake; Medical Lake; Millwood; Rockford; Spangle; Waverly
- Stevens County — Chewelah; Colville; Kettle Falls; Marcus; Northport; Springdale
- Thurston County — Bucoda; Rainier; Tenino; Tumwater; Yelm
- Wahkiakum County — Cathlamet
- Walla Walla County — College Place; Prescott; Waitsburg; Walla Walla
- Whatcom County — Blaine; Everson; Ferndale; Lynden; Nooksack; Sumas
- Whitman County — Albion; Colfax; Colton; Endicott; Farmington; Garfield; LaCrosse; Lamont; Malden; Oakesdale; Palouse; Pullman; Rosalia; St. John; Tekoa; Uniontown
- Yakima County — Grandview; Granger; Harrah; Mabton; Moxee; Naches; Selah; Sunnyside; Tieton; Toppenish; Union Gap; Wapato; Zillah
Auto and home insurance in Washington: FAQ
What is the minimum car insurance in Washington?
Liability of 25/50/10. Other required coverage: none beyond liability.
What is the average homeowners premium in Washington?
The NAIC reported a 2023 Washington HO-3 average of $1,232, 5th highest of the ten states we cover; the countrywide average was $1,737.
Can I bundle auto and home in Washington?
Yes, most insurers that write both offer a multi-policy discount. Compare the bundle with separate quotes.
Who regulates insurance in Washington?
The Washington Office of the Insurance Commissioner licenses insurers, handles complaints, and publishes consumer guides.
Sources
- NAIC, Compulsory Motor Vehicle Insurance model law chart (state statutes), reviewed against state insurance department guidance
- NAIC, Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner’s Insurance Report: Data for 2023, Table 4
- U.S. Census Bureau, American Community Survey 5-year estimates, 2020–2024 (tables B08301, B08303, B25044, B25003, B25077, B25035), via Census Reporter
- U.S. Census Bureau Vintage 2024 city population estimates
- Washington Office of the Insurance Commissioner
Last updated October 15, 2026 · How we research