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Counties With the Cheapest Homeowners Insurance in Washington (2026)

Grays Harbor has the lowest homeowners insurance of any county in Washington, at $836, followed by Ferry and Whitman (data vintage 2022). The full ranking of the top 25 counties is below.

Data updated 2022 - Source: NAIC Homeowners Insurance Report

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Cheapest counties for homeowners insurance in Washington

Top 25 of 39 counties with data.

Ranked by homeowners insurance cost (NAIC Homeowners Insurance Report, 2022), lowest first.

Cheapest counties for homeowners insurance in Washington
RankCountyValue
1Grays Harbor$836
2Ferry$836
3Whitman$836
4Cowlitz$836
5Snohomish$836
6Klickitat$836
7Grant$836
8Douglas$836
9Pend Oreille$836
10Stevens$836
11Mason$836
12Kitsap$836
13Asotin$836
14Pacific$836
15Chelan$836
16Lincoln$836
17Thurston$836
18Walla Walla$836
19Columbia$836
20Benton$836
21Franklin$836
22King$836
23Wahkiakum$836
24Skamania$836
25Pierce$836

How this ranking works

This page ranks Washington counties by homeowners insurance cost, sorted so the cheapest places appear first. Click any county to see its housing, schools, crime, and demographics in detail.

For homeowners insurance, a lower value is generally more favorable, so the top of the list is the lowest. Want to weigh homeowners insurance against schools, taxes, commute, and more at once? Use the live map to build a custom match.

Data comes from public sources. Source attribution and the exact data vintage are shown above and on the full map of homeowners insurance cost.

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