# What You Pay for D&O Insurance in Washington — Average Prices & Breakdown _Last updated: 2026-10-05T07:43:17Z_ > In Washington, d&o insurance tends to run from $6,329 to $22,152 per year, with a mid-market job near $11,841. ## Typical cost at a glance | Level | Price | | --- | --- | | Low | ~$6,329 | | Typical | ~$11,841 | | High | ~$22,152 | _Currency: USD, per year._ ## Cost by type | Type | Low | Typical | High | | --- | --- | --- | --- | | Baseline cost at the advertised rate | ~$6,329 | ~$14,241 | ~$22,152 | | Best-qualified applicant scenario | ~$5,190 | ~$12,896 | ~$20,601 | | Weaker-credit scenario | ~$6,835 | ~$17,817 | ~$28,798 | | Origination and third-party fees | ~$759 | ~$3,370 | ~$5,981 | | Shorter term with higher payment | ~$6,456 | ~$16,298 | ~$26,139 | ## How to compare quotes for d&o insurance When you compare quotes for d&o insurance, line up the scope, the materials and the timeline rather than just the totals. Ask each provider what would make the price rise after the quote is accepted. ## What moves the price of d&o insurance What pushes d&o insurance toward the top of its range? Premium materials, awkward access, urgent scheduling, extra permits and disposal. Each is optional to a degree, and each should be itemised before you compare totals. ## What D&O Insurance typically costs Most buyers in Washington see d&o insurance quoted between $6,329 and $22,152 per year. The typical figure is close to $11,841, and that is the number worth writing into a budget before you request quotes. ## Timing your d&o insurance Timing changes what you pay for d&o insurance. Demand peaks around holidays, seasonal deadlines and the start of the busy season, and prices follow. Booking in a quieter window is one of the few levers that lowers the figure without cutting scope. ## Frequently asked questions ### How much does d&o insurance cost? Most d&o insurance falls between $6,329 and $22,152, with a typical figure near $11,841 per year. The low end is a straightforward job with no surprises; the high end covers complex scope, premium materials or urgent timing. It is worth testing that against a couple of quotes in Washington. ### What affects the price of d&o insurance? Providers price risk as well as work. A job with unknowns costs more to guarantee, which is why two quotes for the same request can differ so much. Local providers in Washington can confirm how that applies to your area. ### Is D&O Insurance cheaper in smaller cities? Often, but not always. Smaller markets can carry a travel or availability premium that offsets a lower local rate, so it is worth checking a nearby city before assuming the lowest published figure applies to you. In Washington, that is worth confirming with a local provider before you commit. ### How many quotes should I get for d&o insurance? Two or three written quotes are enough to see the real market range. Compare the same scope side by side, and ask each provider what is excluded and what would change the price after the quote is accepted. The answer can shift with the Washington market, so check locally. ## Keep comparing - [Finance](/category/finance/) - [Tax Preparation](/washington/tax-preparation/) - [Personal Loans](/washington/personal-loans/) - [Auto Loans](/washington/auto-loans/) - [Student Loans](/washington/student-loans/) - [Business Loans](/washington/business-loans/) - [Mortgages](/washington/mortgages/) - [Alabama](/alabama/d-o-insurance/) - [Alaska](/alaska/d-o-insurance/) - [Arizona](/arizona/d-o-insurance/) - [Arkansas](/arkansas/d-o-insurance/) - [California](/california/d-o-insurance/) - [Colorado](/colorado/d-o-insurance/) - [Connecticut](/connecticut/d-o-insurance/) - [Delaware](/delaware/d-o-insurance/) - [District of Columbia](/district-of-columbia/d-o-insurance/) - [Florida](/florida/d-o-insurance/) - [Georgia](/georgia/d-o-insurance/) - [Hawaii](/hawaii/d-o-insurance/) - [Idaho](/idaho/d-o-insurance/) - [Illinois](/illinois/d-o-insurance/) - [Indiana](/indiana/d-o-insurance/) - [Iowa](/iowa/d-o-insurance/) - [Kansas](/kansas/d-o-insurance/) - [Kentucky](/kentucky/d-o-insurance/) - [Louisiana](/louisiana/d-o-insurance/) - [Maine](/maine/d-o-insurance/) - [Maryland](/maryland/d-o-insurance/) - [Massachusetts](/massachusetts/d-o-insurance/) - [Michigan](/michigan/d-o-insurance/) - [Minnesota](/minnesota/d-o-insurance/) - [Mississippi](/mississippi/d-o-insurance/) - [Missouri](/missouri/d-o-insurance/) - [Montana](/montana/d-o-insurance/) - [Nebraska](/nebraska/d-o-insurance/) - [Nevada](/nevada/d-o-insurance/) - [New Hampshire](/new-hampshire/d-o-insurance/) - [New Jersey](/new-jersey/d-o-insurance/) - [New Mexico](/new-mexico/d-o-insurance/) - [New York](/new-york/d-o-insurance/) - [North Carolina](/north-carolina/d-o-insurance/) - [North Dakota](/north-dakota/d-o-insurance/) - [Ohio](/ohio/d-o-insurance/) - [Oklahoma](/oklahoma/d-o-insurance/) - [Oregon](/oregon/d-o-insurance/) - [Pennsylvania](/pennsylvania/d-o-insurance/) - [Rhode Island](/rhode-island/d-o-insurance/) - [South Carolina](/south-carolina/d-o-insurance/) - [South Dakota](/south-dakota/d-o-insurance/) - [Tennessee](/tennessee/d-o-insurance/) - [Texas](/texas/d-o-insurance/) - [Utah](/utah/d-o-insurance/) - [Vermont](/vermont/d-o-insurance/) - [Virginia](/virginia/d-o-insurance/) - [Washington](/washington/d-o-insurance/) - [West Virginia](/west-virginia/d-o-insurance/) - [Wisconsin](/wisconsin/d-o-insurance/) - [Wyoming](/wyoming/d-o-insurance/) - [Ontario](/ontario/d-o-insurance/) - [Quebec](/quebec/d-o-insurance/) - [British Columbia](/british-columbia/d-o-insurance/) - [Alberta](/alberta/d-o-insurance/) - [Saskatchewan](/saskatchewan/d-o-insurance/) - [Manitoba](/manitoba/d-o-insurance/) - [Nova Scotia](/nova-scotia/d-o-insurance/) - [New Brunswick](/new-brunswick/d-o-insurance/) - [Newfoundland and Labrador](/newfoundland-and-labrador/d-o-insurance/) - [Prince Edward Island](/prince-edward-island/d-o-insurance/) - [Bellevue](/bellevue/) - [Everett](/everett/) - [Kent](/kent/) - [Seattle](/seattle/) - [Spokane](/spokane/) - [Tacoma](/tacoma/) --- These are planning ranges drawn from public price data and market research. They are not a quote, an offer or financial advice, and your actual price depends on the provider, the location and the scope of the work.