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Why Compare Car Insurance Rates in Washington:

  • On average, people who compare rates save about $970 a year on car insurance
  • Way.com is an insurance power broker agency with over 200+ partners
  • We don’t sell your information to spammers.

Getting a decent deal in Washington shouldn't take too much effort. That's why we compared the top car insurance companies in your state to help you get the best rates. You could be fined up to $250 and have to pay reinstatement fees if you're caught driving without insurance in Washington.


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Minimum Required Car Insurance Coverage in Washington state

COVERAGE TYPE Washington car insurance requirements
Bodily Injury Coverage $25000 per person; $50000 per accident
Property Damage Coverage $10000
Uninsured motorist $25000 per person and $50000 per accident
Underinsured motorist $10000 per accident
Personal injury protection $10000
Collision Optional
Comprehensive Optional

Cheapest Car Insurance in Washington for Minimum Required Coverage

If you are looking for cheap car insurance in Washington state go no further. You can use the below table as a reference for finding affordable Washington auto insurance.

Company Avg. Annual Premium
PEMCO $348
USAA $451
Progressive $676
Nationwide $742
State Farm $750
The General $765
Farmers $840
Allstate $990

The above table might not answer the question of how much is car insurance in Washington but it will give you an idea of the cheap car insurance in Washington state.

Do I Need More Than the Minimum Required State Coverage in Washington?

If you have Washington car insurance, then you must have the following coverages as a bare minimum in terms of car insurance:

  • Bodily injury or death for one person: $25000
  • Bodily injury or death of two people: $50000
  • Property damage: $10000

Comprehensive insurance is not required. We recommend that you get comprehensive insurance coverage if you are involved in a more serious accident requiring extensive repairs and medical fees.

Cost of Auto Insurance Companies in Washington

Several factors are taken into account when determining your rates. The below table shows insurance rates in Washington based on gender and marital status.

Car insurance company Married 35-year old Female/Male
Allstate $2061 (Female)
$2082 (Male)
American Family Mutual $1962 (Female)
$1965 (Male)
Farmers $2115 (Female)
$2172 (Male)
THE GENERAL $1746 (Female)
$1782 (Male)
First Nat'l Ins Co of America $1788 (Female)
$1959 (Male)
State Farm $1575 (Female)
$1575 (Male)
USAA $1125 (Female)
$1140 (Male)
Car insurance company Married 60-year old Female/Male
Allstate $1926 (Female)
$2019 (Male)
American Family Mutual $1797 (Female)
$1791 (Male)
Farmers $1932 (Female)
$2184 (Male)
THE GENERAL $1641 (Female)
$1644 (Male)
First Nat'l Ins Co of America $1605 (Female)
$1881 (Male)
State Farm $1416 (Female)
$1413 (Male)
USAA $1095 (Female)
$1098 (Male)
Car insurance company 17-year-old Female/Male
Allstate $7311 (Female)
$8460 (Male)
American Family Mutual $7452 (Female)
$10182 (Male)
Farmers $4785 (Female)
$5130 (Male)
THE GENERAL $3765 (Female)
$4932 (Male)
First Nat'l Ins Co of America $9882 (Female)
$10902 (Male)
State Farm Mutual Auto $4521 (Female)
$5721 (Male)
USAA $4890 (Female)
$5784 (Male)
Car insurance company 25-year-old Single Female/Male
Allstate $2211 (Female)
$2295 (Male)
American Family Mutual $1962 (Female)
$2640 (Male)
Farmers $2661 (Female)
$2772 (Male)
THE GENERAL $2934 (Female)
$2151 (Male)
First Nat'l Ins Co of America $1911 (Female)
$2085 (Male)
State Farm Mutual Auto $1782 (Female)
$2049 (Male)
USAA $1440 (Female)
$1575 (Male)

See what you could save on auto insurance

Cheapest car insurance for Washington drivers

Car insurance quotes will vary from person to person based on various factors such as age, gender, and driving history, so it's recommended to compare free car insurance quotes from at least three providers and understand how much coverage you need to find the best deal for you.

Cheap car insurance in Washington for young Washington drivers

PEMCO provides reasonable insurance for young drivers in Washington, with an average annual rate of $2,814 for minimum coverage insurance. Young drivers' car insurance prices in Washington are more than four times higher than adult rates.

According to our research, the average annual cost of basic coverage auto insurance for young drivers is $2922.

Company Avg. Annual Premium
PEMCO $2,814
Nationwide $4,417
USAA $4,466
The General $4,826
Farmers $4,831
State Farm $5,410
Progressive $5,996
Allstate $7,098

Cheap car insurance for Washington drivers with a speeding ticket

For Washington drivers with a speeding violation on their record, USAA has the best rates – $901 per year for a full coverage policy. This rate is 41% less expensive than the state average.

A speeding ticket will almost certainly raise your auto insurance rates, although not as much as an at-fault accident. A speeding ticket raises rates by 16 percent, whereas an at-fault accident raises 33%.

COMPANY AVERAGE ANNUAL RATE
USAA $901
State Farm $1,130
Progressive $1,151
PEMCO Mutual $1,220
American Family Insurance $1,245
Statewide Average $1,345
Nationwide $1,421
The General $1,469
Allstate $1,537
Travelers $1,582
Farmers Insurance $1,796

Cheap auto insurance for Washington drivers after a car accident

USAA offers the best rates to Washington drivers who have had one at-fault collision on their record. USAA offers full coverage auto insurance for 45% less than the state average of $1073 per year. Progressive has the most significant rise in auto insurance rates due to a single accident — $1,062.

We always recommend checking around for car insurance when your driving record changes due to the wide range of pricing.

COMPANY AVERAGE ANNUAL RATE
USAA $1,073
State Farm $1,225
American Family Insurance $1,275
PEMCO Mutual $1,313
Statewide Average $1,566
The General $1,585
Travelers $1,647
Nationwide $1,782
Allstate $1,900
Farmers Insurance $1,912
Progressive $1,935

Cheap car insurance for Washington drivers with a DUI

Progressive may find the cheapest car insurance for DUI drivers in Washington. Progressive's premiums are 35% less expensive than the national average for persons with a DUI. If you're a Washington driver who gets pulled over for driving under the influence, your insurance rates will go up by 79%.

COMPANY AVERAGE ANNUAL RATE
Progressive $1,055
State Farm $1,130
American Family Insurance $1,245
PEMCO Mutual $1,542
USAA $1,588
Statewide Average $1,608
The General $1,742
Travelers $1,808
Allstate $1,841
Farmers Insurance $1,971
Nationwide $2,154

Cheap car insurance for married Washington drivers

State Farm has the most economical rates in Washington for married drivers, charging 28 percent less than the state average, followed by THE GENERAL (19% less) and Mutual of Enumclaw (19% less) (18% less). In Washington, married drivers pay around 8% less on average than solo drivers.

Company Annual Premium
State Farm $470
The General $520
Mutual of Enumclaw $525
Progressive $555
Allstate $745
American Family $795
Farmers $990
USAA $435

Cheap full coverage car insurance quotes for young drivers with an accident history

For young drivers who have been in a collision, State Farm has the best minimum coverage rates. The annual premium averages $1449, 49% less than the state average. After a young driver gets involved in an at-fault collision, the average rate increases by 22%, from $2544 to $3114.

Company Annual Premium
State Farm $720
The General $885
Mutual of Enumclaw $1,060
Progressive $1,245
Allstate $1,410
Farmers $1,960
American Family $2,585
USAA $950

What Is a Good Driver Discount Policy?

Even if you have never had insurance before, you are eligible for a 20% Good Driver Discount if you are a good driver.

This rule, which was enacted by Proposition 103, mandates insurers to give any qualified "good driver" a 20% reduction off their best rates. In general, if you meet all of the following conditions, you are eligible for a good driver discount:

  • You have been licensed to drive a car for the past three years
  • You have not received more than one violation point in the past three years
  • Not at fault in an accident that resulted in death or injury during the past three years
  • You have not been co-signed in any accident during the past three

The Average Cost Of Car Insurance Rates In Top Cities

City Average Yearly Rate
Aberdeen$1,289
Acme$1,361
Addy$1,337
Adna$1,349
Ahtanum$1,313
Airway Heights$1,349
Albion$1,265
Alderton$1,709
Alderwood Manor$1,733
Algona$1,805
Allyn$1,493
Almira$1,277
Amanda Park$1,289
Amboy$1,505
Ames Lake$1,661
Anacortes$1,205
Anatone$1,337
Anderson Island$1,589
Appleton$1,397
Ardenvoir$1,457
Ariel$1,469
Arlington$1,493
Arlington Heights$1,493
Artondale$1,553
Ashford$1,469
Asotin$1,289
Auburn$1,757
Bainbridge Island$1,421
Bangor Base$1,337
Barberton$1,529
Baring$1,649
Battle Ground$1,565
Bay Center$1,337
Bay View$1,277
Beaver$1,241
Belfair$1,409
Bellevue$1,625
Bellingham$1,229
Belmont$1,277
Benge$1,241
Benton City$1,265
Bethel$1,397
Beverly$1,409
Bickleton$1,301
Bingen$1,337
Birch Bay$1,265
Black Diamond$1,637
Blaine$1,265
Blakely Island$1,253
Bonney Lake$1,649
Bothell$1,637
Bothell East$1,637
Bothell West$1,673
Boulevard Park$1,937
Bow$1,313
Boyds$1,289
Bremerton$1,361
Brewster$1,277
Bridgeport$1,253
Brier$1,733
Brinnon$1,301
Browns Point$1,853
Brownstown$1,301
Brush Prairie$1,517
Bryn Mawr-Skyway$1,901
Buckley$1,601
Bucoda$1,433
Buena$1,289
Bunk Foss$1,613
Burbank$1,313
Burien$1,853
Burley$1,397
Burlington$1,277
Burton$1,625
Camano Island$1,301
Camas$1,493
Canterwood$1,553
Canyon Creek$1,493
Carbonado$1,625
Carlsborg$1,253
Carlton$1,277
Carnation$1,565
Carrolls$1,349
Carson$1,445
Cascade Valley$1,229
Cashmere$1,301
Castle Rock$1,373
Cathcart$1,613
Cathlamet$1,361
Cavalero$1,577
Centerville$1,301
Central Park$1,289
Centralia$1,313
Chain Lake$1,553
Chattaroy$1,397
Chehalis$1,289
Chelan$1,265
Chelan Falls$1,289
Cheney$1,301
Cherry Grove$1,565
Chewelah$1,301
Chico$1,325
Chimacum$1,265
Chinook$1,493
Cinebar$1,457
Clallam Bay$1,229
Clarkston$1,265
Clarkston Heights-Vineland$1,265
Clayton$1,349
Cle Elum$1,325
Clear Lake$1,313
Clearlake$1,313
Clearview$1,613
Clinton$1,361
Clover Creek$1,757
Clyde Hill$1,649
Colbert$1,421
Colfax$1,229
College Place$1,337
Colton$1,361
Colville$1,301
Conconully$1,277
Concrete$1,337
Connell$1,265
Copalis Beach$1,301
Copalis Crossing$1,301
Cosmopolis$1,337
Cottage Lake$1,613
Cougar$1,529
Coulee City$1,241
Coulee Dam$1,277
Country Homes$1,397
Coupeville$1,229
Covington$1,697
Cowiche$1,349
Creston$1,241
Crocker$1,577
Curlew$1,313
Curtis$1,409
Cusick$1,325
Custer$1,301
Dallesport$1,301
Danville$1,373
Darrington$1,433
Davenport$1,265
Dayton$1,253
Deer Harbor$1,265
Deer Park$1,373
Deming$1,325
Des Moines$1,805
Dixie$1,289
Doty$1,373
Dryden$1,313
Duluth$1,505
DuPont$1,613
Duvall$1,541
East Cathlamet$1,361
East Hill-Meridian$1,781
East Olympia$1,433
East Port Orchard$1,385
East Renton Highlands$1,721
East Wenatchee$1,265
Eastgate$1,661
Eastmont$1,625
Easton$1,349
Eastsound$1,217
Eatonville$1,553
Edgewood$1,721
Edmonds$1,721
Edwall$1,301
Elbe$1,457
Electric City$1,229
Elk$1,349
Elk Plain$1,685
Ellensburg$1,277
Elma$1,301
Elmer City$1,301
Eltopia$1,253
Endicott$1,217
Entiat$1,361
Enumclaw$1,625
Ephrata$1,229
Erlands Point-Kitsap Lake$1,337
Esperance$1,709
Ethel$1,457
Evans$1,313
Everett$1,661
Everson$1,301
Fairchild AFB$1,385
Fairfield$1,313
Fairwood$1,589
Fall City$1,601
Farmington$1,301
Federal Way$1,817
Felida$1,529
Fern Prairie$1,493
Ferndale$1,277
Fife$1,697
Fife Heights$1,769
Finley$1,289
Fircrest$1,745
Five Corners$1,529
Fobes Hill$1,553
Ford$1,325
Fords Prairie$1,313
Forks$1,241
Fort Lewis$1,733
Four Lakes$1,301
Fox Island$1,601
Frederickson$1,733
Freeland$1,277
Friday Harbor$1,205
Fruitland$1,289
Galvin$1,421
Garfield$1,253
Garrett$1,277
Geneva$1,277
George$1,229
Gifford$1,337
Gig Harbor$1,553
Gleed$1,337
Glenoma$1,457
Glenwood$1,301
Gold Bar$1,565
Goldendale$1,277
Graham$1,685
Grand Coulee$1,253
Grand Mound$1,385
Grandview$1,217
Granger$1,277
Granite Falls$1,541
Grapeview$1,469
Grayland$1,277
Grays River$1,397
Greenacres$1,289
Greenbank$1,265
Hamilton$1,325
Hansville$1,373
Harrah$1,313
Harrington$1,289
Hartline$1,265
Hay$1,229
Hazel Dell$1,517
Heisson$1,529
High Bridge$1,601
Hobart$1,625
Hockinson$1,505
Home$1,601
Hoodsport$1,409
Hooper$1,217
Hoquiam$1,265
Humptulips$1,301
Hunters$1,301
Hunts Point$1,649
Husum$1,325
Ilwaco$1,385
Inchelium$1,325
Index$1,481
Indianola$1,373
Inglewood-Finn Hill$1,637
Ione$1,313
Issaquah$1,613
Joyce$1,265
Kahlotus$1,349
Kalama$1,385
Kapowsin$1,589
Keller$1,277
Kelso$1,325
Kenmore$1,661
Kennewick$1,313
Kent$1,745
Kettle Falls$1,301
Key Center$1,529
Keyport$1,337
Kingsgate$1,637
Kingston$1,397
Kirkland$1,613
Klahanie$1,589
Klickitat$1,349
La Center$1,529
La Conner$1,253
La Grande$1,553
La Push$1,277
Lacey$1,397
LaCrosse$1,229
Lake Cassidy$1,517
Lake Forest Park$1,745
Lake Holm$1,721
Lake Ketchum$1,433
Lake Marcel-Stillwater$1,625
Lake Morton-Berrydale$1,745
Lake Shore$1,529
Lake Stevens$1,577
Lake Stickney$1,649
Lake Tapps$1,649
Lakebay$1,601
Lakeland North$1,805
Lakeland South$1,817
Lakewood$1,745
Lamona$1,265
Lamont$1,241
Langley$1,313
Larch Way$1,709
Latah$1,373
Laurier$1,289
Leavenworth$1,253
Lebam$1,361
Lewisville$1,565
Liberty Lake$1,301
Lilliwaup$1,421
Lincoln$1,277
Lind$1,289
Littlerock$1,397
Lochsloy$1,529
Lofall$1,349
Long Beach$1,421
Longbranch$1,601
Longmire$1,601
Longview$1,349
Longview Heights$1,349
Loomis$1,361
Loon Lake$1,373
Lopez Island$1,217
Lummi Island$1,289
Lyle$1,325
Lyman$1,337
Lynden$1,289
Lynnwood$1,697
Mabton$1,301
Machias$1,529
Malaga$1,289
Malden$1,385
Malo$1,337
Malone$1,397
Malott$1,289
Maltby$1,625
Manchester$1,385
Mansfield$1,289
Manson$1,277
Maple Falls$1,349
Maple Heights-Lake Desire$1,769
Maple Valley$1,673
Maplewood$1,553
Marblemount$1,349
Marcus$1,301
Marietta-Alderwood$1,265
Marlin$1,241
Marrowstone$1,277
Marshall$1,313
Martha Lake$1,661
Marysville$1,553
Matlock$1,409
Mattawa$1,253
Mazama$1,445
McChord AFB$1,721
McCleary$1,349
Mckenna$1,613
McMillin$1,577
Mead$1,373
Meadow Glade$1,565
Meadowdale$1,709
Medical Lake$1,325
Medina$1,697
Menlo$1,373
Mercer Island$1,757
Mesa$1,265
Metaline$1,301
Metaline Falls$1,325
Methow$1,313
Mica$1,337
Midland$1,829
Mill Creek$1,637
Mill Creek East$1,625
Millwood$1,325
Milton$1,781
Mineral$1,505
Minnehaha$1,553
Mirrormont$1,565
Moclips$1,349
Mohler$1,277
Monitor$1,277
Monroe$1,589
Monroe North$1,553
Montesano$1,301
Morton$1,385
Moses Lake$1,229
Moses Lake North$1,229
Mossyrock$1,361
Mount Vernon$1,289
Mount Vista$1,457
Mountlake Terrace$1,745
Moxee$1,289
Mukilteo$1,625
Naches$1,349
Nahcotta$1,409
Napavine$1,289
Naselle$1,445
Navy Yard City$1,337
Neah Bay$1,289
Nespelem$1,313
Newcastle$1,757
Newman Lake$1,325
Newport$1,373
Nine Mile Falls$1,337
Nisqually Indian Community$1,409
Nooksack$1,325
Nordland$1,277
Normandy Park$1,817
North Bend$1,541
North Bonneville$1,421
North Fort Lewis$1,745
North Lakewood$1,529
North Lynnwood$1,685
North Puyallup$1,709
North Yelm$1,493
Northport$1,313
Oak Harbor$1,217
Oakesdale$1,241
Oakville$1,373
Ocean Park$1,397
Ocean Shores$1,253
Odessa$1,301
Okanogan$1,289
Olalla$1,433
Olga$1,277
Olympia$1,385
Omak$1,301
Onalaska$1,385
Orchards$1,589
Orient$1,337
Orondo$1,253
Oroville$1,289
Orting$1,625
Othello$1,121
Otis Orchards$1,289
Otis Orchards-East Farms$1,301
Outlook$1,301
Oysterville$1,421
Pacific$1,733
Pacific Beach$1,301
Packwood$1,457
Palisades$1,301
Palouse$1,241
Paradise Inn$1,601
Parker$1,325
Parkland$1,805
Parkwood$1,385
Pasco$1,325
Pateros$1,277
Paterson$1,325
Pe Ell$1,409
Peaceful Valley$1,349
Peshastin$1,325
Picnic Point$1,673
Plymouth$1,325
Point Roberts$1,385
Pomeroy$1,313
Port Angeles$1,241
Port Angeles East$1,253
Port Gamble$1,385
Port Gamble Tribal Comunity$1,397
Port Hadlock$1,253
Port Hadlock-Irondale$1,253
Port Ludlow$1,277
Port Orchard$1,385
Port Townsend$1,229
Poulsbo$1,349
Prairie Heights$1,601
Prairie Ridge$1,649
Prescott$1,301
Preston$1,625
Prosser$1,253
Puget Island$1,361
Pullman$1,277
Purdy$1,553
Puyallup$1,697
Quilcene$1,265
Quinault$1,301
Quincy$1,229
Rainier$1,469
Randle$1,433
Ravensdale$1,685
Raymond$1,361
Reardan$1,301
Redmond$1,613
Renton$1,769
Republic$1,313
Retsil$1,469
Rice$1,373
Richland$1,253
Ridgefield$1,505
Ritzville$1,229
Riverbend$1,589
Riverside$1,289
Riverton$1,913
Rochester$1,397
Rock Island$1,265
Rockford$1,325
Rockport$1,373
Rocky Point$1,337
Rollingbay$1,481
Ronald$1,301
Roosevelt$1,253
Rosalia$1,277
Rosburg$1,385
Rosedale$1,553
Roslyn$1,301
Roy$1,577
Royal City$1,217
Ryderwood$1,493
Saint John$1,265
Salkum$1,433
Salmon Creek$1,529
Sammamish$1,601
Satsop$1,325
Seabeck$1,361
Seahurst$1,781
SEATAC$1,865
Seattle$1,805
Seaview$1,409
Sedro-Woolley$1,265
Sekiu$1,253
Selah$1,325
Sequim$1,253
Shadow Lake$1,697
Shaw Island$1,289
Shelton$1,409
Shoreline$1,793
Silvana$1,493
Silver Creek$1,313
Silver Firs$1,625
Silverdale$1,337
Silverlake$1,385
Sisco Heights$1,493
Skamokawa Valley$1,469
Skokomish$1,409
Skykomish$1,565
Snohomish$1,589
Snoqualmie$1,517
Snoqualmie Pass$1,469
Soap Lake$1,241
South Bend$1,373
South Cle Elum$1,313
South Colby$1,409
South Creek$1,661
South Hill$1,697
South Prairie$1,613
South Wenatchee$1,277
Southworth$1,385
Spanaway$1,769
Spangle$1,313
Spokane$1,397
Spokane Valley$1,325
Sprague$1,301
Springdale$1,373
Stansberry Lake$1,541
Stanwood$1,433
Startup$1,529
Stehekin$1,337
Steilacoom$1,709
Steptoe$1,361
Stevenson$1,409
Stratford$1,241
Sudden Valley$1,277
Sultan$1,529
Sumas$1,349
Summit$1,721
Summit View$1,709
Sumner$1,733
Sunnyside$1,217
Sunnyslope$1,277
Suquamish$1,361
Tacoma$1,805
Taholah$1,289
Tahuya$1,421
Tanglewilde$1,421
Tanner$1,541
Tekoa$1,265
Tenino$1,433
Terrace Heights$1,325
Thornton$1,229
Thorp$1,373
Three Lakes$1,553
Tieton$1,349
Tokeland$1,373
Toledo$1,385
Tonasket$1,289
Toppenish$1,313
Touchet$1,313
Toutle$1,385
Town and Country$1,397
Tracyton$1,349
Trout Lake$1,325
Tukwila$1,877
Tumtum$1,373
Tumwater$1,373
Twisp$1,253
Underwood$1,457
Union$1,421
Union Gap$1,313
Union Hill-Novelty Hill$1,661
Uniontown$1,313
University Place$1,745
Usk$1,289
Vader$1,385
Valley$1,337
Valleyford$1,337
Vancouver$1,541
Vantage$1,289
Vashon$1,541
Vaughn$1,529
Venersborg$1,565
Veradale$1,337
Wahkiacus$1,445
Waitsburg$1,289
Waldron$1,361
Walla Walla$1,277
Walla Walla East$1,277
Waller$1,721
Wallula$1,277
Walnut Grove$1,541
Wapato$1,313
Warden$1,217
Warm Beach$1,433
Washougal$1,469
Washtucna$1,241
Waterville$1,277
Wauconda$1,349
Wauna$1,541
Waverly$1,313
Wellpinit$1,397
Wenatchee$1,277
West Clarkston-Highland$1,265
West Pasco$1,325
West Richland$1,265
West Side Highway$1,337
Westport$1,277
Whidbey Island Station$1,217
White Center$1,889
White Salmon$1,301
White Swan$1,301
Wilbur$1,277
Wilderness Rim$1,589
Wilkeson$1,601
Winlock$1,385
Winthrop$1,325
Wishram$1,313
Wollochet$1,553
Woodinville$1,637
Woodland$1,421
Woods Creek$1,589
Woodway$1,733
Yacolt$1,529
Yakima$1,337
Yarrow Point$1,649
Yelm$1,493
Zillah$1289

Washington Auto Insurance Rate By Violation

Accident/Violation Avg. Annual Premium % Rate Increase $ Rate Increase
None $1,829 0% $1
One Med/PIP claim $1,834 0% $5
Not-at-fault accident $1,877 4% $58
Two Med/PIP claims $1,887 4% $68
One comp claim $1,900 5% $80
Two comp claims $1,969 9% $150
Child safety restraint $2,134 18% $315
Driving without lights $2,147 18% $328
Failure to show documents $2,168 20% $348
Failure to wear a seat belt $2,197 21% $378
Speeding 6 - 10 MPH over limit $2,200 21% $381
Speeding 11 - 15 MPH over limit $2,201 21% $381
Speeding 16 - 20 MPH over limit $2,201 21% $381
Driving too slowly $2,218 22% $399
Driving with expired registration $2,219 22% $399
Improper passing $2,249 24% $430
Failure to yield $2,253 24% $434
Illegal turn $2,253 24% $434
Wrong way/wrong lane $2,256 24% $437
Failure to stop at a red light $2,261 25% $442
Cell phone violation $2,263 25% $443
Following too closely $2,268 25% $448
Texting while driving $2,271 25% $451
Speeding in school zone $2,355 30% $536
Passing school bus $2,360 30% $541
Open container $2,373 31% $564
Speeding 21 - 25 MPH over limit $2,383 31% $584
At-fault accident - less than $1000 $2,400 32% $590
In 65 MPH zone $2,514 39% $705
At-fault accident - $1000-$2000 $2,570 42% $760
At-fault accident - greater than $2000 $2,581 42% $772
Operating a vehicle without permission $2,605 44% $796
Refusal to submit to a chemical test $3,113 72% $1,304
Reckless driving $3,168 75% $1,358
DUI $3,177 75% $1,368
Driving with a suspended license $3,180 75% $1,370
Racing $3,317 83% $1,507
Leaving scene of an accident/hit and run $3,332 84% $1,523

Car insurance price trends in Washington

Year Avg. Annual Premium (Washington) Yearly Change (Washington) Avg. Annual Premium (US) Yearly Change (US)
2021 $1,234 $25 $1,529 $56
2020 $1,219 -$161 $1,493 -$71
2019 $1,370 $114 $1,554 $33
2018 $1,266 -$550 $1,531 $94
2017 $1,806 $244 $1,447 $79
2016 $1,572 -$333 $1,378 $98
2015 $1,895 $226 $1,290 $61
2014 $1,679 $165 $1,239 $44
2013 $1,524 -$73 $1,205 $90
2012 $1,587 $333 $1,286 $92

How to find the best car insurance in Washington?

Car insurance quotes will vary from person to person based on various factors such as age, gender, and driving history, so it's recommended to compare free car insurance quotes from at least three providers and understand how much coverage you need to find the best deal for you.

Our research team has put together what we feel can be considered as the best auto insurance in Washington state. We rated these as the best car insurance in Washington state based on factors like pricing across ages, gender, locations, availability, discounts etc.

Car Insurance Company Annual rate
State Farm $963
Allstate $1143
American Family $1371
Farmers $1704
MetLife $2547

Reasons Why Auto Insurance Costs More in Washington

Like those in any other state, Washington car insurance premiums are heavily influenced by driving history. Your auto insurance prices will almost certainly increase if you are involved in an accident, receive a speeding ticket, or are convicted of a DUI. After a single offense in each category, the rates below illustrate the typical increase most drivers will see. If you're a repeat offender, the penalty will always be significantly larger.

Things to Know About Car Insurance When Moving to Washington

According to Washington auto insurance law, all drivers must have a minimum level of bodily injury protection. This safeguards them against any injuries or property damage they might cause to other motorists.

Car insurance in Washington state is mandatory.

The state requires the following coverage:

  • Per person bodily liability insurance of $25000
  • Per-accident bodily injury coverage of $50000
  • Per accident, there is a responsibility of $100000 for property damage
  • Property damage underinsured by $100000
  • Personal injury protection of up to $10,000 is included in the base policy.

Each of these standards is covered by liability insurance, and this means that it will pay for any damages or injuries caused by you to another motorist or their passengers. If you have this coverage, you will not be compensated if you are involved in an accident. Additionally, all drivers in Washington must have proof of insurance when driving.

Drivers in Washington can avoid the state's insurance requirements by:

  • Giving the Department of Licensing a $60000 Certificate of Deposit (CD)
  • Obtaining a $60000 surety bond

Driving Without Insurance in Washington State Has Consequences

You could face the following penalties if you are found driving without insurance in Washington:

  • Fines of up to $450
  • License revoked
  • Three-year requirement for an SR-22

In Washington, failing to submit proof of insurance after an accident is a civil infraction, and providing false information can be deemed a misdemeanor.

You may also be personally responsible for damages if you cause an accident and do not have insurance. This means you may have to pay for all medical bills, vehicle damages, lost earnings, and legal fees the other drivers incur out of pocket.

Driving without insurance usually necessitates the filing of an SR-22. You must keep this form on file with the state to prove your insurance coverage.

See what you could save on auto insurance

Car Insurance Discounts in Washington

The car insurance companies in the state of Washington offer various discounts. When you opt for car insurance, look for the following car insurance discounts as they can help in reducing your annual premium.

The discounts are as follow:

  • Agreeing to install a monitoring device
  • Taking safe driving courses
  • Policy longevity
  • Safe driving history
  • Having multiple policies with the same company
  • Signing on to a group insurance policy
  • Club or group membership discount
  • Military service
  • Working as a first responder (police, EMT, firefighter)
  • Enrollment in an accredited college or university
  • Working as a teacher

Washington Car Insurance Laws

You must know more than just the forms of insurance coverage and the best car insurance providers before you complete any car insurance. To stay safe and ticket-free on the lane, you need an understanding of state laws on motor and vehicle insurance.

So many drivers get skyrocketing rates after they are ticked for a breach they didn't know existed. It can be difficult to maintain with legislation changing and updating too much.

What are the liability coverage requirements in Washington?

If you have car insurance in Washington state, you should get liability coverage. Washington state insurance law states that liability insurance is compulsory. In an at-fault accident, liability coverage compensates for the personal injuries and property damage you cause. The injured party's lost wages and hospitalization are also covered under this policy.

In 1989 Washington, under the jurisdiction of the Washington State Department of Licensing, enacted universal liability insurance legislation. The legislation allows drivers to insure liability above the minimum standards required by the State.

Washington Teen Driving Laws

Your child can get a learner's permit at the age of 15 and must keep it for six months. According to Washington state insurance laws, they must have 50 hours of supervised driving time and 10 hours driving time.

Your child can then apply for a driver's license at 16. The legislation prohibits your youngster from driving between 1 am and 5 am for the first six months. They can't have any passengers under the age of 20 for the first six months after getting their license, and they can't have more than three under the age of 20 until they get their full driving privileges.

Washington Driving Laws for New Residents

Within thirty days after one arrives in Washington, new residents must obtain a valid Washington driver's license. To be eligible for a Washington driver's license, a person must surrender all valid driver's licenses issued by any other state to the department. The department must invalidate the surrendered photograph license, and it may be returned to the person.

A resident is a person who shows an intent to live or be located in this state on a more than temporary or transient basis to get a valid driver's license.

Windshield Coverage

In Washington State, insurance law mandates insurers not to have exclusive cover to fix or replace windshields. But most insurers provide broad coverage of glass safety.

High-Risk Insurance

You could face problems finding insurance cover if you have a bad record driving. The Washington State Insurance Commissioner advises that you shop for insurance coverage. Should coverage by a voluntary market be refused, you can have an insurance agent allocated to you by calling the Auto Insurance Plan (AIP). The AIP premium rates are normally above the voluntary market, and the Washington State Department of Licensing (DOL) must file an SR-22 form.

Auto Insurance Coverage Types

Coverage type What it does
Liability coverage Your legal defense is covered if a lawsuit is filed against you due to an accident. Property damage and bodily injury are two forms of liability coverage that must be included in your insurance policy if you live in Washington.
Property damage If you are held legally responsible for an accident, this policy protects your assets, and it protects you against certain types of harm to another person's property or car.
Bodily injury If you're held legally responsible for an accident, it protects your assets, including some expenses related to bodily harm suffered by the other parties.
Comprehensive When non-collision-related accidents cause physical damage to your car, this sort of Washington auto insurance coverage is used to fix it (subject to deductible).
Collision When your car sustains physical damage due to a collision with another car or item, collision coverage is utilized to fix it (subject to deductible).
Uninsured/underinsured motorist Protects you if the other party is at fault in an accident and either does not have insurance or is underinsured.

Proof of Auto Insurance in Washington

Failure to present proof of auto insurance after an accident or when stopped by a police officer is a violation that can result in fines of up to $450. Even worse, it is an automatic misdemeanor to knowingly provide false information during an accident. These can soon add up on your driving record, putting your license at risk of suspension or revocation.

The Federal REAL ID Act came into force in October 2020. In 2005. Citizens need a REAL ID-compliant ID to take up domestic flights, enter federal buildings, or cross US border passages from October 1, 2020.

You already have REAL ID in your possession with any of the following documentation:

  • Passport of the United States
  • Foreign passport
  • American Military ID
  • Green Card (Permanent Resident Card)

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

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.com

Frequently Asked Questions

How much is car insurance in Washington state?

The drivers in the state of Washington usually opt to pay $585 for a six-month policy. If a car owner only prefers a minimum coverage then the rate for six months is lowered to $339.

What is the minimum car insurance in Washington state?

Drivers in California must have at least these auto insurance coverages: Liability coverage for bodily harm is a minimum of $15,000 per person and $30,000 per accident. Liability coverage for property damage must be at least $5,000. Uninsured motorist bodily injury coverage is required at a minimum of $15,000 per person and $30,000 per accident.

What is the cheapest car insurance in Washington state?

The car insurance USAA offers the cheapest rate for six months. The six-month rate is $510, which is $85 per month. USAA is applicable only for military veterans and their families. If you are not eligible for USAA, then opt for Travelers which offers $513 per six months. This will amount to $87 per month.

Are car insurances expensive in the state of Washington?

The car insurance premiums are 20% cheaper when compared to the national average.

Do you need car insurance in Washington state?

Yes, you will need car insurance in Washington. If an individual has 26 and more vehicles in their custody then they can opt to self-insure. The proof of this self-insurance must always be carried by the drivers. A car owner can also opt to have a liability bond of at least $60,000 from a surety bond company authorized by Washington or a certificate of deposit to pay your liability insurance in lieu of auto insurance.

Do you need insurance to register a car in Washington?

A car can be registered without insurance in Washington. While there are no laws requiring proof of car insurance, you still need proof of insurance to drive legally. You have 30 days to register your vehicle, but you cannot be driving it if you do not have insurance.

Do I need SR-22 insurance?

You might have difficulty securing a decent auto policy if you have any legal problems due to your driving, such as rash driving, having a DUI, or a daily traffic offender. If so, you would have to be insured for SR-22. Technically speaking, SR-22 is not a form of insurance but a policy to be obtained and submitted to the government of Washington. This policy can be bought from the usual automobile insurance provider. However, since it is a required item for drivers with points or driving problems, insurance SR-22 is not cheap.

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