Renters and home insurance rates in Washington
The NAIC's published average premiums for Washington by policy form, with Census ACS housing records for every county: renter households, median gross rent and median home value.
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Figures are published averages, never quotes; methodology at the foot of the page.
- average renters premium (HO-4), per year
- $162
- average homeowners premium (HO-3), per year
- $1,151
- renter households
- 1,090,864
By county
By county
| King County | 407,426 | $2,035 | $811,200 |
|---|---|---|---|
| Pierce County | 122,063 | $1,722 | $484,400 |
| Snohomish County | 98,566 | $1,866 | $644,600 |
| Spokane County | 77,953 | $1,200 | $370,500 |
| Clark County | 65,348 | $1,668 | $487,900 |
| Thurston County | 37,780 | $1,634 | $451,500 |
| Whatcom County | 33,703 | $1,465 | $536,100 |
| Yakima County | 32,577 | $1,068 | $281,100 |
| Kitsap County | 32,019 | $1,741 | $505,700 |
| Benton County | 24,163 | $1,256 | $369,400 |
| Skagit County | 15,124 | $1,439 | $486,200 |
| Cowlitz County | 14,693 | $1,169 | $367,400 |
| Grant County | 11,853 | $1,059 | $275,700 |
| Chelan County | 11,304 | $1,182 | $454,900 |
| Whitman County | 9,587 | $1,002 | $323,300 |
| Clallam County | 9,364 | $1,110 | $385,600 |
| Island County | 9,008 | $1,631 | $535,300 |
| Franklin County | 8,713 | $1,171 | $345,700 |
| Lewis County | 8,349 | $1,044 | $341,500 |
| Grays Harbor County | 8,212 | $1,018 | $279,500 |
| Walla Walla County | 7,966 | $1,113 | $375,600 |
| Kittitas County | 7,380 | $1,253 | $459,900 |
| Douglas County | 4,962 | $1,234 | $402,900 |
| Okanogan County | 4,867 | $868 | $284,200 |
| Mason County | 4,791 | $1,205 | $377,400 |
| Stevens County | 3,948 | $864 | $308,000 |
| Jefferson County | 3,281 | $1,291 | $495,100 |
| Asotin County | 2,492 | $994 | $286,200 |
| Klickitat County | 2,391 | $1,119 | $388,700 |
| Pacific County | 2,021 | $962 | $274,000 |
| San Juan County | 1,983 | $1,413 | $726,500 |
| Adams County | 1,950 | $901 | $251,300 |
| Pend Oreille County | 1,327 | $786 | $307,800 |
| Lincoln County | 1,001 | $872 | $272,300 |
| Skamania County | 964 | $1,024 | $472,600 |
| Ferry County | 765 | $703 | $274,500 |
| Columbia County | 419 | $944 | $256,100 |
| Wahkiakum County | 308 | $1,086 | $344,500 |
| Garfield County | 243 | $768 | $214,200 |
Download the Washington county-level dataset (CSV), free to reuse with citation.
Sources, citation and related pages
Cite or embed this figure
The average annual renters insurance premium in Washington was $162 in 2022, across 1,090,864 renter households recorded in the HomeCover HQ Rates Index (NAIC premiums; Census ACS households).
Cite as: "HomeCover HQ Rates Index: Washington", updated 2026-08-17, https://homecoverhq.com/rates/washington/.