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By: Hemanth Ramesh July, 18, 2019

According to a Gavop analysis, the average insurance premiums in Washington DC’s 10 largest cities is $909, which is significantly lower than the state average of $1,196 and the national average of $1,228. In the city of Seattle, the average home insurance premium is as low as $766. This is because these cities are relatively safer than the rest of the state, with quicker response times by the fire departments, lower crime rates, and the lower probability of natural calamities occurring.


Washington experiences an annual snowfall of 15.5 inches and is affected by blizzards once in 4-6 years, with the most violent storms affecting large sections of the East Coast.

Homeowners in Washington DC pay an average home insurance premium of $ 1,196. Farmers offers the cheapest homeowners insurance at $781, followed by State Farm with an average homeowners insurance premium of $964. Bellingham reports the lowest average homeowners insurance premium at $687 per annum, whereas Sunnyside offers the most expensive rate with an average premium of $1,373 per annum.

With Farmers, homeowners can choose between standard dollar-value deductibles ranging from $500-$10,000 or a percentage deductible between 0.5% and 5% of the value of the property. By increasing the deductible rate from $500 to $1,000, homeowners can save up to 25% of their overall premium.

Homeowners insurance rates also widely vary by the size and age of the home. Materials used to build the home also play an important role in determining insurance premiums. That is, brick homes are more durable and resistant  than frame homes. As a result, brick homes may translate into lower premiums, while the opposite may be true for areas prone to earthquakes.

Homeowners can also reduce their home insurance premiums and get the best possible rates using the following methods:

  • Sticking to the same insurance provider and bundling: Homeowners can avail discounts up to 15% by bundling their home and auto insurance over time.
  • Checking for discounts that are not advertised: Not all discounts offered by an insurance firm are advertised and thus, homeowners should ask their insurance providers for all available discounts.
  • Maintaining a high credit score: A higher credit score can translate into lower insurance premiums.
  • Enhancing home security: Installing CCTV cameras, sprinkler systems, and fire alarms can assure a discount of up to 10%.
  • Senior citizens: Citizens aged 55 years and above may be given a discount.
  • Non-smokers: Since smoking significantly increases the possibility of a fire, some insurance providers offer discounts if all the residents of a home are non-smokers.


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Hemanth Ramesh

Hemanth Ramesh works as a writer for Gavop. He has previously written content for film promotions, start-ups, advertising agencies and event management firms. Hemanth Ramesh completed his MA in Journalism and Mass Communication from The English and Foreign Languages University. His other passion includes script writing.