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Home Insurance and Car Insurance in Washington
Like the Pacific Northwest, Washington State offers picturesque views and plenty of opportunities for both city and rural life. Whether you live in Seattle, Spokane or lakeside Chelan, finding affordable home and auto insurance is important. SelectQuote can help with this by shopping and comparing prices on home and auto insurance on your behalf.We streamline the insurance buying process, whether you’re looking for affordable insurance as a first-time buyer or want to switch and save on your current policy. Let us help you find the right home and auto insurance that fits in your budget.Homeowners Insurance in Washington
How important is buying home insurance in Washington? Losses for home insurance claims can often vary wildly between $1,000 and $80,000,1 and even more if the home in question is declared a total loss. Making sure you have the right kind of home insurance policy ensures you aren’t fully responsible for costly repairs or for financial compensation if someone is injured on your property.
Homeowners Insurance Coverage Options in Washington
While most home insurance policies will cover a standard set of named perils, there are a few key details to be aware of when purchasing a policy. As a general rule, home insurance companies often offer a standard set of protections in most states.In some cases an insurance company or agent may not offer a type of protection or coverage, so it’s important to carefully read the details of your quote. Most standard home insurance policies—known as HO-3 policies—will provide the following types of home insurance coverage:- Dwelling coverage is a standard policy that covers the actual physical structure of your home. If you have an attached garage or other structure attached to your home, this will be covered as well.
- Personal property coverage works to cover your household belongings. If it’s inside or outside your home, it is covered.
- Personal liability coverage protects you in the event that someone is injured on your property and you’re found at fault. It also covers damage to another person’s property.
- Guest medical protection coverage exists to cover people who are injured on your property, regardless of who may be at fault.
Common Causes of Loss in Washington
All states are subject to shared conditions that lead to home insurance claims and losses, and Washington is no exception. What the state does have, however, are a few unique elements that should be considered when buying home insurance. Common causes of loss in the state include:- Wind and hail: Most claims filed by homeowners are wind- and hail-related, usually in regards to roof repair or replacement. In addition to physical damage, wind and hail have the potential to cause power outages and fallen trees.
- Fire and lightning: Lightning and fire are another common source of insurance claims in Washington, with more than 13,000 fires2 breaking out in the state over the past decade. All fire is dangerous, and the smallest blaze can cause massive damage if left unchecked.
- Flooding: Always a threat, flooding can cause massive damage to homes and property.
- Earthquakes: Washington sits on the Cascadia Subduction Zone and is at a high risk of earthquakes.
Additional Coverage Options Recommended for Washington Homeowners
It’s a good idea to purchase additional home insurance coverage because of the unique mixture of threats to Washington homes. Some of these additional recommendations are common for all states, but others—such as earthquake insurance—are mostly unique to a few states, Washington included:- Flood insurance is never covered by a standard HO-3 policy. Instead, you may purchase it through the National Flood Insurance Program (NFIP) or through a private insurance company.
- Earthquake insurance is another type of coverage rarely offered as part of a standard home insurance policy.
- Scheduled property coverage is insurance that helps recoup the cost of losses to high value items that have been professionally appraised. Artwork, antiques and other expensive luxury goods are usually covered under these policies.
Our Home Insurance Partners in Washington
SelectQuote shops for coverage from dozens of trusted home and auto insurance companies throughout Washington to help you find affordable coverage to protect your home. We compare rates and discounts and offer you our recommendations based on your unique needs.What is the average home insurance cost in Washington?
The average home insurance rate for SelectQuote customers in Washington is $93.70.+ Your own home insurance premiums will vary based on several factors, including:- Your ZIP code
- Your credit score
- Your policy limits
- Types of coverage you purchase
- Your deductible
- The age and condition of your home
- Any discounts that are applicable
Homeowners Insurance Discounts in Washington
If you’re worried about overpaying for home insurance, you’re not alone. The good news is that home insurance companies in Washington offer plenty of opportunities to save via discounts. Common home insurance discounts available in Washington State include:- Customer loyalty discounts
- Discounts for filing few claims
- Service and/or professional discounts
- New homebuyer discounts
- New construction discounts
- Home security system installation discounts
- Bundled home and auto insurance discounts
Bundle Your Home and Auto Insurance to Save Money
One of the best and easiest ways to save money on your home insurance? Bundle it with your auto coverage. Customers who bundle home and auto insurance with SelectQuote save an average of $693 per year.Average Home and Auto Insurance Rates in Washington
The following rates include average monthly insurance premiums paid by real SelectQuote customers in selected Washington cities. Your own rates will vary based on the type of policy you have, your credit rating and other factors.| City | Avg. Monthly Home Insurance Rate | Avg. Monthly Auto Insurance Rate | Avg. Monthly Rate of Bundled Policies |
| Puyallup | $104.74 | $94.93 | $245.73 |
| Seattle | $76.49 | $158.32 | $239.85 |
| Spokane | $82.46 | $163.86 | $228.44 |
| Tacoma | $83.18 | $164.87 | $234.58 |
| Vancouver | $87.88 | $133.60 | $211.09 |
Average monthly rates are from effective SelectQuote customer policies between 4/1/2022 and 3/31/2023.
Auto Insurance in Washington
Just over 5.8 million licensed drivers share the roadways of Washington state,3 and each one of them is required to purchase auto insurance. Whether you’re a brand new driver in search of your first insurance policy or have been driving for years and need cheaper coverage, SelectQuote can help you shop for Washington car insurance that won’t break your budget.Washington Auto Insurance Laws and Requirements
Washington state requires all drivers and motorcyclists to carry liability insurance4 with specific minimum limits, but you may purchase additional coverage if you deem it necessary. There are other types of insurance available to purchase, depending on requirements that are part of your vehicle’s financing. The most common types of car insurance coverage purchased in Washington include:- Liability insurance pays for damages caused by you if the accident is your fault. It will also pay for medical bills incurred by the other driver or their passengers. Washington state requires drivers to have $25,000 of coverage for injuries per person, up to $50,000 per accident. It also requires $10,000 of coverage for property damage.
- Uninsured/underinsured motorist coverage pays for medical expenses when the other driver is at fault and doesn’t have sufficient insurance coverage.
- Personal injury protection insurance can help pay for medical expenses or funeral expenses for you or your passengers.
- Collision coverage helps cover expenses for repairs or replacement for your vehicle if it is damaged in an accident.
- Comprehensive coverage can help pay for repairs or replacement for vehicles that are stolen or damaged by storms, vandalism or animals.
- Gap insurance is often required on financed vehicles and pays the difference between what you currently owe on the vehicle and what it is currently worth. Gap insurance is typically used when a vehicle is totaled.All data on average expenditures is provided by the Insurance Information Institute.
| Types of Coverage | Minimum State Requires |
| Bodily Injury Liability | $25,000 per person / $50,000 per accident |
| Property Damage Liability | $10,000 |
| Uninsured Motorist | Not required |
| Underinsured Motorist | Not required |
| Personal Injury Protection | Not required |
| Collision | Not required |
| Comprehensive | Not required |
| Gap Insurance | Not required |
Washington Teen Driving Laws
All teen drivers are expected to have auto insurance, either on their own or as part of their parent or guardian’s policy (usually cheaper). Washington uses a graduated licensing program5 that grants teenagers who meet age and driver’s education requirements an intermediate license. This license is subject to curfews and limits on the number of passengers.Washington Car Registration Information
All vehicles purchased and moved to Washington must be registered within 30 days of moving to the state.6 Depending on your car’s age, you may have to report the odometer reading and meet California emission standards (even if you live in Washington State). You will be required to bring your Washington state driver’s license, proof of ownership, proof of insurance and any associated fees.Our Auto Insurance Partners in Washington
SelectQuote works with some of the most trusted car insurance companies in the state of Washington to provide you with affordable insurance coverage. We partner with these carriers to source competitive quotes and discounts, then present unbiased recommendations based on your policy and price needs.Washington Home and Auto Insurance Frequently Asked Questions
Because SelectQuote helps both new and existing customers throughout Washington find insurance coverage, we frequently field questions. Some of the most common insurance questions we receive include:What is the minimum auto insurance coverage in Washington state?
All drivers are required to purchase liability insurance with a 25/50/10 limit. Other insurance policies are available, and it’s usually recommended to buy more than the minimum auto coverage for maximum protection. Your auto lender may have additional requirements.
Do I need earthquake insurance in Washington?
Earthquake insurance isn’t required for homeowners, but it is often recommended due to the state’s proximity to fault lines and increased risk of earthquakes.
Do I need renters insurance in Washington?
Washington doesn’t require renters to purchase renters insurance, although it may be required as a condition of your lease. Ask your property management company or landlord about their renters insurance requirements.
Should I buy flood insurance in Washington?
Flood insurance is not a standard part of any HO-3 home insurance policy. It is recommended that you buy flood insurance from the NFIP, especially if you live in a lowland area prone to flooding.
Do I need motorcycle insurance in Washington state?
All motorcycle owners are expected to carry minimum mandatory liability insurance for their motorcycles.
SelectQuote Can Shop Washington Home or Auto Insurance to Help Save You Time and Money
Whether you’re looking for a cheaper home and auto insurance policy or are exploring your insurance options for the first time, you’re not alone. SelectQuote helps customers in Washington find the insurance coverage they need. We shop for coverage with dozens of insurance companies at once and show you the most competitive quotes for your budget. We can even help you save by finding discounts and home and auto insurance bundles. Get started today.Sources+Average rates calculated are based on effective SelectQuote customer policies in Washington between 4/1/2022 and 3/31/2023. Rates will vary based on level of coverage, location, age, and additional determining factors.
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