How Much Does Home Insurance Cost in Seattle, WA?
Average annual homeowners insurance premium. Updated March 2026 with data from BLS, U.S. Census Bureau, and industry surveys.
Typical Cost Range
$1.720 – $6.020
+72% vs national average
$1.720$3.870$6.020
LowNational avg: $2.250High
Seattle vs State & National Average
| Category | Seattle | Washington Avg | National Avg |
|---|---|---|---|
| Average cost | $3.870 | $3.789 | $2.250 |
| Low estimate | $1.720 | $2.842 | $1.688 |
| High estimate | $6.020 | $4.926 | $2.925 |
Detailed Cost Breakdown
| Item | Low | High | |
|---|---|---|---|
| Low estimate | $1.000 | $1.200 | |
| Average | $2.025 | $2.475 | |
| High estimate | $2.800 | $3.500 |
Home Insurance in Nearby Cities
Frequently Asked Questions
How much does home insurance cost in Seattle?
In Seattle, WA, home insurance typically costs between $1.720 and $6.020. The average is $3.870, which is 72% above the national average.
Is Seattle expensive for home insurance?
Seattle has a cost-of-living index of 172 (100 = national average). Home Insurance costs are 72% higher than the national average of $2.250.
What factors affect home insurance costs in Seattle?
Key factors include local labor costs, cost of materials, market competition, Washington state regulations, and Seattle's overall cost of living (index: 172/100). Prices can also vary by season and specific requirements.