Lacey Insurance Rates:

Lacey, WA homeowners insurance is roughly $505 to $684, about $42-$57/month. Our detailed analysis shows customers can save upto $238 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Lacey, WA, Best Home Insurance Companies

In Lacey, Washington, homeowners pay an average home insurance rate of $755, which is lesser than the national average premium of $1,438. Lacey homeowners can narrow down the best home insurance companies by considering various factors. Below are the top 5 home insurance companies in Washington by market share.


State Farm

State Farm is the most prominent company in Washington, occupying the majority of the market share with 17.01%. The renowned home insurance company has written direct premiums worth $311,354. It has earned direct premiums worth $303,989. State Farm holds a financial strength rating of A++ from A.M. Best for its superior financial capacity to grant potential claims of current Lacey policyholders. It also received a customer satisfaction score of 4/5 from J.D. Power based on the feedback collected from policyholders.

Liberty Mutual

According to NAIC, Liberty Mutual holds a market share of 13.70% in Washington. The home insurance company has direct premiums written worth $250,842, and direct premiums earned worth $242,419. A.M. Best rated Liberty Mutual with an A for its excellent ability to grant potential claims of current policyholders. In terms of overall customer satisfaction, Liberty Mutual received a score of 3/5 from J.D. Power.


Farmers is another major player in the insurance segment holding a market share of 10.39% in Washington. The company has direct premiums written for a total value of $219,834. It has earned direct premiums worth $216,145. Farmers holds a financial strength rating of A+ for their superior financial ability to grant claims of current Lacey policyholders. According to customer feedback curated by J.D. Power, Farmers received a customer satisfaction rating of 3/5.


Allstate occupies 9.51% of the home insurance market in Washington. It has written direct premiums of $174,162 and earned direct premiums of $171,396. Allstate has the superior financial ability in granting potential claims of current Lacey policyholders and has been awarded a rating of A+ from A.M. Best. It received a customer satisfaction score of 3/5 from J.D. Power's customer feedback survey.


Even though USAA only offers its services to veterans, active, and retired military personnel, it has managed to hold a market share of 8.61%. It has direct premiums written worth $157,564, and direct premiums earned worth $151,660. USAA is the only home insurance company other than State Farm to receive a financial strength rating of A++ for its superior financial ability in granting claims of current Lacey policyholders. It also holds a perfect customer satisfaction score of 5/5 from J.D. Power.

Lacey, WA Homeowners Insurance By Home Value

Lacey, WA Home Value Total Homes % of Total Average Lacey, WA Homeowners Insurance
Less than $50,000 624 7.0% $59
$100,000 to $124,999 185 2.0% $279
$125,000 to $149,999 300 3.0% $351
$150,000 to $174,999 822 9.0% $416
$175,000 to $199,999 1,021 11.0% $476
$200,000 to $249,999 2,607 29.0% $577
$250,000 to $299,999 2,192 24.0% $702
$300,000 to $399,999 1,046 11.0% $898

Top Home Insurance Agents Near Lacey, WA

Home Insurance Company Near Lacey, WA Homeowners Insurance Agency Near Lacey, WA Address
Allstate A Z Insurance Inc 318 W Sussex, Tenino, WA, 98589
Farmers Candice Adams 2745 Martin Way E Ste G, Olympia, WA, 98506
State Farm Candy Rawson 23100 Pacific Hwy S Ste 206, Des Moines, WA, 98198-7281
Travelers Hart Insurance Agency 1230 S 336Th St, Ste F Federal Way, Federal Way, WA, 98003
Farmers Ilya Elijah Duloglo 3906 S 74th St Ste 105, Tacoma, WA, 98409

Lacey, WA Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Lacey, WA

Streets in Lacey Area Homeowners Insurance Cost
Angela St SE, 40th Ct NE, Yakima St NE, Hudson Ln SE, Steamer Dr SE, 52nd Ln NE, Lakecrest St SE, Forrestal Pl NE, Lakeridge Ct SE, 12th Ave NE$591
Cedar Hills Rd SE, Irene St SE, Demarie Ct SE, Beverly Ct NE, Avonlea Dr SE, Magnolia Ct SE, Breton Ln SE, Lebanon St SE, Mary Lou St SE, 11th Ave NE$594
56th Ln SE, 23rd Ct NE, Plummer St SE, Becket St NE, Saint Charles Loop NE, Mia St NE, Red Tail Dr SE, Clearfield Ct SE, Neil St NE, Titan Dr SE$590
Carole Dr NE, Walthew Ct SE, Cory Ct SE, 36th Ave SE, Hollywood Dr NE, 31st Ave NE, Glacis Dr NE, Oakcrest Dr SE, Makah St NE, Spencer Ave NE$607
Saint Charles Dr NE, Kinwood St SE, Forest Ct SE, 41st Ave SE, Horne St NE, 39th Loop NE, Red Cedar Ct SE, Campus Green Loop NE, E Sarazen St SE, Tillikum Ct NE$599
Montclair Ave SE, Kodiak Ave NE, Judy Ln SE, Cherie Dr SE, Willow St SE, Oxbow St NE, Shadywood Ct SE, Indiana St SE, Rumac Rd SE, Bismark Ln SE$587
2nd Ln SE, Hayworth Ave NE, Shale St SE, Curtis Ct SE, 64th Way SE, 48th Loop SE, Homestead Ave NE, Poppy Ln SE, Wier St SE, Snowberry St NE$613
Blackberry Ct SE, 57th Loop SE, 38th Ct SE, Rigi St SE, 33rd Ave NE, Long Lake Dr SE, Gunvor Dr NE, 48th Ave SE, Clearwater Dr SE, 5th Ct SE$594
Bobcat Dr SE, Kapalea Way SE, Basin Dr NE, 8th St SE, Windham Ct NE, Cottonwood Ct SE, Kyro Rd SE, Herman Rd SE, Baylor Ct SE, Lake Forest Dr SE$601
Highland Dr NE, 5th Way SE, Whitney Ave NE, Roxanna Ct SE, Juliann Ct SE, 17th Ct SE, Oxford Ct SE, Hawksridge Dr SE, Hilton Ln NE, Shady Ln SE$611

Lacey, WA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Lacey$88 to $91
Nisqually Indian Community$87

Lacey, WA Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Tanglewilde CDP, Washington $89 $118 $177
Olympia CCD, Thurston County, Washington $90 $120 $180
Nisqually Indian Community CDP, Washington $87 $116 $174

Lacey, WA Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Lacey, WA2.8%10.9%
Nisqually Indian Community3.78%20.85%

Lacey Renters Insurance as a Percentage of Rent

Lacey Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 105 1.0% $345
$200 to $299 91 1.0% $795
$300 to $499 100 1.0% $1245
$500 to $749 970 13.0% $1920
$750 to $999 1,773 25.0% $2670
$1,000 to $1,499 2,658 37.0% $3795
$1,500 or more 1,377 19.0% $5445

Lacey, WA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Lacey Homeowner Insurance Premium Example $600$400
Out of Pocket Expense During Claim$800$1,800
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $5,600$5,000
Net Savings to Lacey Home Owner from High Deductible Plan $600

Lacey, WA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Lacey, WA Home Replacement Value MORE than Home Value Lacey, WA Home Replacement Value LESS than Home Value
Replacement Value $193,000 $137,500
Insurance Premium based on Replacement Value $675 $475
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $20,500 Risk Exposure from Under Insuring Coverage is $35,000
Premium Impact Insurance cheaper by $125/year Insurance costlier by $75/year

Example Lacey Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceAllstateGEICO Insurance
Monthly Premium 465371
Year Built 200519862014
Home Details 2 Beds, 1 Baths4 Beds, 3 Baths5 Beds, 3 Baths
Coverage Amount $200000-$250000$350000-$400000$350000-$400000
Deductible $1000-$2500 Deductible$5000 to $10,000 Deductible$500- $1000 Deductible

Sample Home Insurance Rates for Lacey, WA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1974 350,000 Tile Roof 3,260 4 $500 Deductible 350 4 Fiber-Cement Siding yes
1999 200,000 Composition Roof 1,440 2 > $10,000 Deductible 230 9 Fiber-Cement Siding yes
1990 330,000 Asphalt Shingles Roof 2,720 5 > $10,000 Deductible 330 7 Brick siding yes
1976 140,000 Composition Roof 1,350 2 $500 Deductible 220 9 Brick siding No
1983 450,000 Metal Roof 3,300 4 $500 Deductible 420 4 Stone Siding No
1970 445,000 Shingles Roof 3,280 4 > $10,000 Deductible 430 9 Wood siding No
1970 190,000 Shingles Roof 1,870 3 $2500-$5000 Deductible 340 10 Stucco siding yes
1999 185,000 Shingles Roof 1,270 2 $1000-$2500 Deductible 210 5 Fiber-Cement Siding yes
1987 480,000 Composition Roof 3,650 5 $500- $1000 Deductible 170 2 Fiber-Cement Siding No
2008 330,000 Membrane Roof 2,990 5 > $10,000 Deductible 200 7 Fiber-Cement Siding No
2011 175,000 Asphalt Shingles Roof 1,480 2 $500 Deductible 400 8 Brick siding yes
1998 410,000 Tile Roof 3,120 4 $500 Deductible 740 7 Stucco siding No
1996 230,000 Tile Roof 1,710 5 $5000 to $10,000 Deductible 40 1 Stucco siding No
2001 225,000 Asphalt Shingles Roof 1,670 2 $500- $1000 Deductible 120 2 Vinyl siding No
2001 120,000 Shingles Roof 950 2 $2500-$5000 Deductible 100 4 Wood siding No
2013 625,000 Composition Roof 4,630 5 $1000-$2500 Deductible 780 6 Wood siding yes
2010 165,000 Tile Roof 1,470 2 $1000-$2500 Deductible 140 4 Vinyl siding yes
1974 185,000 Tile Roof 1,480 3 $500 Deductible 410 7 Stone Siding yes
2011 245,000 Composition Roof 1,880 3 > $10,000 Deductible 180 7 Brick siding No
1987 190,000 Tile Roof 1,720 3 $500 Deductible 780 12 Vinyl siding No
2010 125,000 Asphalt Shingles Roof 990 2 $500- $1000 Deductible 310 12 Vinyl siding yes
2000 195,000 Membrane Roof 1,770 4 $2500-$5000 Deductible 380 9 Brick siding No
2007 495,000 Slate Shingles Roof 4,790 5 $2500-$5000 Deductible 550 6 Stucco siding No
1976 165,000 Composition Roof 1,560 3 $2500-$5000 Deductible 190 9 Wood siding No
1987 135,000 Composition Roof 1,320 3 $500- $1000 Deductible 290 9 Vinyl siding yes
1988 165,000 Slate Shingles Roof 1,240 2 $1000-$2500 Deductible 220 9 Stone Siding No
1993 285,000 Wood Shake Roof 2,110 4 $500 Deductible 270 4 Wood siding yes
1992 205,000 Tile Roof 1,520 3 $5000 to $10,000 Deductible 170 5 Stucco siding yes
1989 210,000 Asphalt Shingles Roof 1,870 4 $5000 to $10,000 Deductible 260 8 Vinyl siding No
2001 195,000 Membrane Roof 1,320 3 $2500-$5000 Deductible 370 9 Vinyl siding yes
1998 265,000 Composition Roof 2,340 3 $2500-$5000 Deductible 340 7 Fiber-Cement Siding No
2003 300,000 Composition Roof 2,320 3 $5000 to $10,000 Deductible 310 6 Fiber-Cement Siding yes
2002 310,000 Composition Roof 2,130 3 $500 Deductible 460 6 Vinyl siding No
1993 460,000 Composition Roof 3,720 5 $500- $1000 Deductible 1440 10 Stucco siding No

Latest Home Insurance Reviews

Liberty Mutual
The liberty mutual insurance company give the premium and deductible policy comparing to the same at the other home insurance policies.
State Farm
I would recommend this home insurance company to others because of the outstanding value that you received through them and their customer service is great.
State Farm
Have had to use the insurance in an extreme situation and was pleased with the experience. The money paid for the premiums was definitely worth the cost. I was treated fairly and quickly.
State Farm
State Farm doesn't offer anything different than any other insurance company. Don't expect any new services from them. They may have some bundled discounts that you may be eligible for.
Farmer's Insurance
Home Insurance is expensive for the minimal amount of coverage, and extra coverage for flooding or natural disasters is astronomical. I would rate State Farm Insurance Company a 5.
State Farm
I believe our home insurance is very standard.The policy changes a bit from year to year, appropriately as inflation influences replacement costs and all of that.The company offers discounts for years passed with no claims.
I don't have home insurance so it is hard to describe what I would need and look for in good coverage.
Based on my research, for the same coverage, premium, and deductible, Travelers is at least the same if not better than the other companies I have looked at. Overall I have no reason to switch at the present time.
The deductible and premium were more than acceptable for the coverage that I was receiving. I feel incredibly happy with my shopping and acquisition of Progressive as my insurance provider.
Overall, allstate has excellent customer service when you need to make a claim. they are responsive and quick to come out and check the damages.
State Farm
People are great. the phone application works great. they keep asking for opinions and change for the better. if i do not have the finances in my account, then they will allow me to make a double payment or pay 2 weeks later
State Farm
I am at level three satisfaction because while they have completed the claims with a fair enough dollar amount it hasn't always been without some level of annoyance and slower than I would like. They are nice at our local office and I know they are not going out of their way to be troublesome, I feel like they may also be waiting on the home office and that causes delays.
State Farm
There hasn't been anything I’ve disliked so far. They are courteous and professional and are quick to help when I need them. I have yet to have a bad experience.
I have nothing negative to say, other than if I could get coverage at no cost, but that is unreal expectations. Thanks.
I'm very happy to be a loyal customer with this company for over 10 yrs. The customer service and claims handling that I receive are excellent.
Most standard policies cover water damage caused by pipes bursting in your home. However, costs related to replacing or repairing them were not.
i just got home insurance and i havent had any reason to use it yet. i would recommend this insurance because its good to have home insurance. i would rate it probably a 3
Liberty Mutual
I would not recommend this company as they claim to charge a higher premium for better service. I never hear from them unless it is to send me a bill.
we have been able to utilize to lower the monthly premium and the customer service experiences we have had over the last three years. I would recommend Allstate to anyone.
American Family Insurance
The customer service i have received is so poor that i would tell any one looking for home insurance to choose any other company and the extra cost is well worth it.

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