🏠 Home insurance cost in Seattle, WA (2027)
Estimated average: $1,490 per year — -35% vs. the U.S. average of $2,300.
With about 749,256 residents, Seattle is a major metro and the largest city in Washington. Home insurance rates here are estimated at $1,490 per year, above the Washington average of $1,380 — a gap driven by local factors like local weather and catastrophe risk, and rebuild costs. Below you can estimate a price for your own profile and compare Seattle with other Washington cities.
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Seattle home insurance estimator
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Seattle home insurance FAQ
How much is home insurance in Seattle, WA?
The estimated average is $1,490 per year — above the state average (+8% vs. the Washington average of $1,380, and -35% vs. the U.S. average).
Is home insurance more expensive in Seattle than elsewhere in Washington?
Seattle has about 749,256 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest home insurance in Seattle?
Compare at least three quotes from insurers active in Seattle, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.