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Counties With the Cheapest Homeowners Insurance in Washington (2026)

Clallam has the lowest homeowners insurance of any county in Washington, at $1,448, followed by Clark and Asotin. Source: Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024. The full ranking of the top 25 counties is below.

Data updated 2024 - Source: Keys-Mulder escrow dataset (NBER WP 32579)

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Cheapest counties for homeowners insurance in Washington

Top 25 of 39 counties with data.

Ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first.

Cheapest counties for homeowners insurance in Washington
RankCountyValue
1Clallam$1,448
2Clark$1,515
3Asotin$1,533
4Kitsap$1,543
5Spokane$1,572
6Cowlitz$1,573
7Grays Harbor$1,588
8Franklin$1,602
9Thurston$1,612
10Walla Walla$1,615
11Douglas$1,619
12Mason$1,667
13Pierce$1,681
14Whatcom$1,682
15Whitman$1,684
16Pacific$1,697
17Yakima$1,728
18Jefferson$1,758
19Snohomish$1,769
20Skagit$1,775
21Island$1,782
22Grant$1,802
23Lewis$1,817
24King$1,837
25Skamania$1,838

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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