"According to the American Community Survey (ACS) data from the U.S. Census Bureau, Washington homeowners with a mortgage typically pay $1,000-$1,499 annually for homeowners insurance, while those without a mortgage average the same $1,000-$1,499. Overall statewide costs also fall into the $1,000-$1,499 range. Washington has 1,992,341 insured homeowner households in total-1,297,548 with a mortgage and 694,793 without. Among mortgaged owners, 109,497 pay less than $100 annually and 67,963 pay $4,000 or more. Among those without a mortgage, 115,071 pay less than $100 and 32,590 pay $4,000 or more."
"Compared with nearby states, Washington is among the most affordable. Oregon homeowners also average $1,000-$1,499 regardless of mortgage status. California falls into the same range for mortgaged owners, though far more households there pay above $4,000 annually. Idaho is similarly affordable, averaging $1,000-$1,499 with a mortgage and $800-$999 without. By contrast, Nevada households trend slightly lower overall, averaging $800-$999 for non-mortgaged owners. This places Washington among the most affordable West Coast states for homeowners insurance."
Washington homeowners generally pay $1,000–$1,499 annually for homeowners insurance whether they have a mortgage or not. The state counts 1,992,341 insured homeowner households, including 1,297,548 with a mortgage and 694,793 without. Among mortgaged owners, 109,497 pay less than $100 annually while 67,963 pay $4,000 or more; among non-mortgaged owners, 115,071 pay less than $100 and 32,590 pay $4,000 or more. Neighboring Oregon and Idaho show similar affordability, California matches mortgage-holder averages but has more high-cost policies, and Nevada trends slightly lower overall.
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