Cheapest Car Insurance Quotes in Washington

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Washington Car Insurance

^$ 29

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

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 $1310 for a six-month policy, which is $74 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $932, 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.

Avg. Car Insurance in Washington

$1310

Avg. Car Insurance in Oklahoma

$1236

National Average

$1278

Cheapest Car Insurance Companies in Washington

1st place: USAA

At $932 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $970 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $1083 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, OK is USAA, offering policies at just $932 for a six-month term. This is followed by Progressive, which has an average six-month premium of $970.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1908 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.

Cheap Car Insurance Companies in Washington, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$932	$157
Progressive	$970	$163
Mercury	$1083	$182
State Farm	$1133	$191
Shelter	$1266	$213
American Farmers & Ranchers Mutual	$1285	$218
Farmers	$1322	$223
Oklahoma Farm Bureau	$1360	$231
AFR Group	$1568	$262
Farm Bureau	$1593	$271
Allstate	$1908	$321

Key Takeaways

Way's key takeaways about car insurance in Washington

The auto insurance costs in Washington fall around $932 for six months.
The cheapest auto insurance company in Washington is American Farmers & Ranchers Mutual.
Teen drivers pay the highest rate in Washington at $45 per month.

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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.

American Farmers & Ranchers Mutual provides the cheapest minimum car insurance coverage in Washington. Their Average 6 Month Premium is $170. Allstate is the most expensive at $617 for the same period.

Cheapest Liability Coverage in Washington, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$170	$29
Mercury	$201	$34
USAA	$208	$35
AFR Group	$240	$40
Progressive	$246	$41
State Farm	$270	$46
Shelter	$321	$54
Oklahoma Farm Bureau	$347	$57
Farm Bureau	$390	$67
Farmers	$460	$77
Allstate	$617	$104

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 USAA at $157 per month and $932 for six months.

Cheapest Full Coverage Car Insurance Quotes in Washington, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$932	$157
Progressive	$970	$163
Mercury	$1083	$182
State Farm	$1133	$191
Shelter	$1266	$213
American Farmers & Ranchers Mutual	$1285	$218
Farmers	$1322	$223
Oklahoma Farm Bureau	$1360	$231
AFR Group	$1568	$262
Farm Bureau	$1593	$271
Allstate	$1908	$321

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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, OK increasing?

Despite maintaining a clean driving record, your car insurance rates in Washington, Oklahoma, may be increasing due to several external factors. Oklahoma 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	$757
30s	USAA	$586
40s	USAA	$537
50s	USAA	$515
60s	USAA	$527
70s	USAA	$608

Cheapest Car Insurance Rates for Teen Drivers in Washington,OK

If you are planning to get a car insurance policy for your teenage dependent, AFR Group provides the cheapest car insurance in the Washington at $39 per month. At $264 for a six-month premium, American Farmers & Ranchers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AFR Group	$233	$39
USAA	$1304	$219
Progressive	$2273	$383
State Farm	$2298	$387
Mercury	$2979	$501
Shelter	$3388	$570
Oklahoma Farm Bureau	$4162	$708
Farm Bureau	$4660	$777
Allstate	$5157	$868
Farmers	$6001	$1010
American Farmers & Ranchers	$264	$45

Teen Car Insurance Rates in OK by Age

Way Tip

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 $757 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, Oklahoma Farm Bureau is the cheapest car insurance provider. At $340 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 State Farm, offering rates of around $6215 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Oklahoma Farm Bureau	$340	$56
Progressive	$799	$135
Mercury	$1360	$229
USAA	$1360	$231
Farm Bureau	$1600	$266
Shelter	$2626	$446
Farmers	$2865	$477
Allstate	$2947	$501
State Farm	$6215	$1036

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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, OK, 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 American Farmers & Ranchers Mutual and AFR Group, offering $163 and $384, respectively. Allstate is an expensive provider with an average six-month premium of $2632.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$163	$28
AFR Group	$384	$66
State Farm	$674	$113
USAA	$730	$123
Mercury	$882	$148
Oklahoma Farm Bureau	$906	$153
Progressive	$944	$159
Shelter	$1649	$278
Farm Bureau	$1732	$288
Farmers	$2311	$389
Allstate	$2632	$443

Washington Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Washington OK. For example, the car insurance in Washington after a DUI increases to $668 for a six month policy. While the rate increases by $302 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	$1259	$210
One comp claim	$1285	$218
One Med/PIP claim	$1285	$214
Two Med/PIP claims	$1297	$220
Not-at-fault accident	$1304	$217
Two comp claims	$1310	$223
Failure to show documents	$1392	$232
Failure to wear a seat belt	$1435	$244
Child safety restraint	$1442	$241
Driving without lights	$1442	$245
Driving with expired registration	$1467	$245
Cell phone violation	$1486	$252
Driving too slowly	$1486	$248
Speeding in school zone	$1486	$252
Texting while driving	$1486	$248
Failure to yield	$1499	$254
Failure to stop at a red light	$1505	$251
Following too closely	$1512	$257
Illegal turn	$1512	$252
Wrong way/wrong lane	$1523	$259
Improper passing	$1530	$255
In 65 MPH zone	$1555	$264
Speeding 11 - 15 MPH over limit	$1561	$261
Speeding 6 - 10 MPH over limit	$1561	$265
Passing school bus	$1568	$262
Speeding 16 - 20 MPH over limit	$1568	$266
Open container	$1593	$265
Speeding 21 - 25 MPH over limit	$1606	$273
At-fault accident - less than $1000	$1612	$268
Operating a vehicle without permission	$1700	$289
At-fault accident - $1000-$2000	$1713	$285
At-fault accident - greater than $2000	$1713	$292
Reckless driving	$1857	$310
Refusal to submit to a chemical test	$1902	$323
DUI	$1927	$321
Racing	$1983	$337
Driving with a suspended license	$2090	$349
Leaving scene of an accident/hit and run	$2090	$355

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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 Progressive at $699 for a six-month policy. However, it can be as expensive as $2462 with companies like Farm Bureau.

Washington car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$699	$118
Mercury	$844	$142
State Farm	$1090	$183
USAA	$1108	$187
Shelter	$1870	$315
Oklahoma Farm Bureau	$2078	$347
Farmers	$2362	$398
Allstate	$2437	$410
Farm Bureau	$2462	$419

Cheapest car insurance after a speeding ticket

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 Oklahoma Farm Bureau at $308. However, it can be as expensive as $2373 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Washington after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Oklahoma Farm Bureau	$308	$52
Progressive	$674	$113
State Farm	$730	$123
USAA	$925	$157
Mercury	$1152	$194
Shelter	$1542	$262
Farm Bureau	$1593	$265
Allstate	$2292	$390
Farmers	$2373	$395

Car Insurance Price Trends in Washington, Oklahoma

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 $258 in January compared to $235 of December. In other words, there has been an increase by $23 when you compare January and December.

The average cost of liability insurance in the Washington dipped to $49 in January, compared to $50 in December. This represents an decrease of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Washington?

The car insurance in Washington is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Washington?

The cheapest car insurance in Washington is $157 per month for full coverage.

How much is car insurance in Washington for teenagers?

Car insurance for teenagers costs $233 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 $1236 for a six-month policy. It will cost around $220 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.

Cheapest Car Insurance Quotes in Washington

Why you can trust Way?

How Much Is Car Insurance in Washington

Avg. Car Insurance in Washington

Avg. Car Insurance in Oklahoma

National Average

Cheapest Car Insurance Companies in Washington

1st place: USAA

2nd place: Progressive

3rd place: Mercury

Washington Car Insurance Rates by Company

Cheap Car Insurance Companies in Washington, OK

Way's key takeaways about car insurance in Washington

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Washington

Cheapest Liability Coverage in Washington, OK

Cheapest Full Coverage Car Insurance in Washington

Cheapest Full Coverage Car Insurance Quotes in Washington, OK

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Washington by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Washington, OK increasing?

Car Insurance Premiums by Age in Washington

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Washington,OK

If you are in your twenties USAA is the best choice for car insurance in Washington.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Washington

Cheapest Car Insurance Companies after an At-Fault Accident in Washington

Washington Car Insurance Rates by Violation

Washington auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Washington after a DUI

Washington car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Washington after Speeding ticket

Car Insurance Price Trends in Washington, Oklahoma

Average Car Insurance Cost in Washington by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Washington, OK

Car Insurance Rates by State in the USA (2025 Update)

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