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Finding the cheapest car insurance quotes in Washington shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
The auto insurance rates published in this guide are based on the results of research
completed by Way’s data team. Using a mix of public
and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These
rates were publicly sourced from insurer filings and should be used for comparative
purposes only — your own quotes will differ. Given this, it’s important to go through
our insurance
steps form to find how much you can save with Way.
Table of Contents
How Much Is Car Insurance in Washington
The car insurance rate in Washington is $1012 for a six-month policy, which is $10 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $430, making it a popular choice for budget-conscious drivers. Rates in Washington can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At $430 for a six
month policy, AutoOwners Insurance Co offers
the cheapest
auto
insurance rates in the city.
2nd place: Cincinnati
Cincinnati offers auto
insurance rates at $470 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Kentucky Farm Bureau
Kentucky Farm Bureau offers auto insurance
rates at $618
for six months, making it
the third cheapest auto insurance company in Washington.
Washington Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Washington, KY is AutoOwners Insurance Co, offering policies at just $430 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $470.
At the higher end of the spectrum, Grange is the most expensive, with rates reaching $1176 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Washington drivers find the best deals.
Way's key takeaways about car insurance in Washington
The auto insurance costs in Washington fall around $430 for six
months.
The cheapest auto insurance company in Washington is Cincinnati.
Teen drivers pay the highest rate in Washington at $1380 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
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Cheapest Minimum Liability Car Insurance in Washington
Since car insurance is a critical requirement for owning a car, you
must have minimum liability car insurance. The cheapest car insurance companies for minimum
coverage in Washington are given below.
Cincinnati provides
the cheapest minimum car insurance
coverage in Washington. Their Average 6 Month Premium is $148.
Allstate is the most
expensive at $1030 for the same
period.
Cheapest Full Coverage Car Insurance in Washington
One might think that minimum coverage is only required when insuring
your car insurance. However, having full coverage car insurance in any city is certainly a
wise choice as it offers better coverage and protection. Our best pick for the cheapest auto
insurance quotes in Washington is AutoOwners Insurance Co
at $73 per month and $430
for six months.
Cheapest Full Coverage Car Insurance Quotes in Washington,
KY
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Average Car Insurance in Washington by Rating
Factor
The car insurance rates for two people under the same ZIP
code will mostly be different. This is mostly because insurance rates are calculated
based on several rating factors. These rating factors include the driver's age, gender,
marital status, driving and claims history, credit score, location, type of vehicle, and
coverage levels.
I have a clean driving record. Why is my car insurance rate
here in Washington, KY increasing?
Despite maintaining a clean driving record, your car insurance rates
in Washington, Kentucky, may be increasing due to several external factors.
Kentucky has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Washington's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Washington
It is quite evident why teen drivers pay the highest car insurance
rates in any city. Their lack of experience and increased accident rates make them a highly
risky category. However, as you grow older, your car insurance rates will decrease. So, it
is better to not have separate policies for teens; instead, add them to their parents'
policies.
Cheapest Car Insurance Companies Based on Age Group
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
20s
USAA
$979
30s
Auto-Owners
$743
40s
Auto-Owners
$726
50s
Auto-Owners
$693
60s
USAA
$721
70s
State Farm
$803
Cheapest Car Insurance Rates for Teen Drivers in
Washington,KY
If you are planning to get a car insurance policy for your teenage
dependent, Cincinnati provides the cheapest car
insurance in the Washington at $32
per
month. At $8197 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in Washington.
As young drivers face the highest rates in Washington, USAA
offers the cheapest auto insurance rates at $979 for six months.
Car Insurance Rates by Credit Score & Driving History
Similar to your driving history, your financial history also plays a
key role in determining your auto insurance rates. A low credit score would mean a lapse in
payment and increased chances of filing claims, which results in higher auto insurance
rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
Cheapest Car Insurance Companies for Bad Credit
For those with poor credit scores in Washington,
Cincinnati is
the cheapest car insurance provider. At $252 for a six-month premium, they offer
the best
rates in the city. The most expensive auto insurance rate for drivers with bad credit in
Washington is Allstate, offering
rates of around $5340 for six
months.
Save up to $971/yr on car insurance rates in Washington.
Car Insurance Rates with An Accident in Washington
Both accidents and the resulting increase in insurance rates are often
beyond our control. When you’re involved in an accident, you become riskier to insure,
consequently increasing the rates. In Washington, KY,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Washington
The cheapest car insurance companies after an at-fault accident in
Washington include AutoOwners Insurance Co
and Electric, offering $300
and $300,
respectively. Allstate is an expensive provider
with an average six-month premium of
$4322.
Here is a list of driving violations that can increase your car
insurance rates in Washington KY. For example, the car
insurance in Washington
after a DUI increases to $1229 for a six
month policy. While the rate increases by $311 for a six-month policy in the case of
a speeding ticket.
Washington auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1435
$240
One Med/PIP claim
$1446
$246
Two Med/PIP claims
$1506
$250
Not-at-fault accident
$1546
$263
One comp claim
$1570
$261
Failure to wear a seat belt
$1588
$270
Failure to show documents
$1640
$273
Two comp claims
$1640
$279
Driving without lights
$1646
$274
Child safety restraint
$1664
$283
Cell phone violation
$1729
$288
Driving with expired registration
$1734
$295
Texting while driving
$1734
$289
Driving too slowly
$1746
$297
Failure to stop at a red light
$1746
$291
Failure to yield
$1746
$297
Speeding 6 - 10 MPH over limit
$1746
$291
Speeding in school zone
$1746
$297
Following too closely
$1752
$292
Illegal turn
$1752
$298
Speeding 11 - 15 MPH over limit
$1752
$292
Wrong way/wrong lane
$1752
$298
Improper passing
$1758
$293
Speeding 16 - 20 MPH over limit
$1758
$299
Speeding 21 - 25 MPH over limit
$1794
$299
In 65 MPH zone
$1806
$307
Passing school bus
$1834
$306
Open container
$1882
$320
At-fault accident - less than $1000
$1917
$320
Operating a vehicle without permission
$2058
$350
At-fault accident - $1000-$2000
$2082
$347
At-fault accident - greater than $2000
$2082
$354
Reckless driving
$2617
$437
Refusal to submit to a chemical test
$2652
$451
DUI
$2664
$444
Driving with a suspended license
$2670
$454
Racing
$2682
$446
Leaving scene of an accident/hit and run
$2711
$461
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Way Tip
Avoid Having A DUI On Your Driving Record.
A DUI can increase your car insurance rates—by $5,000 to $10,000 over
five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on
your record for 3–5 years, while DUIs/DWIs can impact you longer.
Car Insurance Rates in Washington after a
DUI
There may have been times when you drank but chose not to
drive—a smart and responsible decision, as most states treat DUIs as a serious
offense. Your car insurance rates can double after a DUI charge, making it harder to
find affordable coverage in Washington.
The cheapest car insurance premiums in
Washington are
offered by Cincinnati at $394 for a six-month policy.
However, it can be as
expensive as $2240 with companies
like AutoOwners.
One of the easiest ways to save money on car insurance is
to stay within the speed limit. After a speeding violation, the cheapest car
insurance premiums in Washington are offered by Cincinnati
at $176. However,
it can be as expensive as $2934
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Washington after Speeding ticket
Car Insurance Price Trends in Washington,
Kentucky
Car insurance rates in Washington have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Washington rose by
$220 in December
compared to $218 of November. In other words, there has been an increase by $2 when you
compare December and November.
The average cost of liability insurance in the Washington rose to $61 in December,
compared to $59 in November.
This represents an increase of $2
when comparing December and November.
Average Car Insurance Cost in Washington by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Washington. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Washington?
The car insurance in Washington is $25 per month, which is lower than the national average.
What is the cheapest car insurance in Washington?
The cheapest car insurance in Washington
is $73 per month
for full coverage.
How much is car insurance in Washington for teenagers?
Car insurance for teenagers costs $188 per 6 months. The
rates for
teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in
Washington?
The average cost of car insurance is $1022 for a six-month
policy. It will cost around $170 per month to insure your
car in Washington.
Is car insurance expensive in Washington?
Car insurance can be expensive in Washington if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Washington can be
affordable.
What is the best car insurance in Washington,
KY?
The best car insurance company in Washington
KY is
AutoOwners Insurance Co, offering $430 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Washington, KY
Car Insurance Rates by State in the USA (2025 Update)
Washington Car Insurance
