$36/mo
$36/mo
$37/mo
The car 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. 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.
The car owners in Washington pays on an average of $917 for six months for car insurance, which is more than the national average. California Casualty offers cheap and the best rates in Washington.
California Casualty offers the cheapest liability coverage in Washington at $36/month; thus making it an attractive option for drivers looking to save money.
Read about the cheapest liability coverage companies in Washington ↓
Kemper provides cheap full insurance coverage in Washington at $68/month, offering excellent value.
Read about the cheapest full coverage companies in Washington ↓
Auto-Owners Insurance Co is the cheapest option after an at-fault accident in Washington at $50 per month.
Read more about best car insurance companies after at-fault accident in Washington ↓
Kemper was named the best overall by J.D. Power and AM Best, making it a top pick among Washington’s best car insurers.
Check out the full list of the best car insurance companies in Washington ↓For drivers looking to meet Washington minimum car insurance requirements, liability-only insurance is the most budget-friendly choice. Cheap liability car insurance in Washington is widely available from providers like California Casualty at $36/month. If you opt for Sentry you will have to pay at least $118/month for your car insurance premium, which is the highest in Washington.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| California Casualty | $214 | $36 |
| USAA | $214 | $36 |
| Granwest P&C | $220 | $37 |
| Auto-Owners Insurance Co | $232 | $39 |
| Chubb | $273 | $46 |
| Nationwide | $285 | $48 |
| PEMCO | $285 | $48 |
Full coverage combines liability, comprehensive, and collision insurance, offering broader protection than liability coverage, which only covers damages or injuries you cause to others. As per our analysis Kemper offers the cheapest car insurance for full coverage in Washington at $68 per month. On the other hand Sentry offers the most expensive rate at $411 per month.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $410 | $68 |
| Nationwide | $552 | $94 |
| Auto-Owners Insurance Co | $570 | $95 |
| Chubb | $647 | $110 |
| Capital Insurance Group | $659 | $110 |
| USAA | $772 | $130 |
| Mutual of Enumclaw | $814 | $136 |
Get Your Car Insurance Quote in Washington Instantly!
Kemper stands out as the best car insurance provider in Washington, thanks to its affordable premiums, extensive discounts, and strong customer satisfaction ratings from sources like J.D. Power and AM Best. With a robust range of coverage options, State Farm is a top pick for drivers seeking value and reliability.
Kemper offers a six-month premium of $386, which amounts to approximately $66 per month. This provides a competitive and affordable option for those looking for budget-friendly car insurance.
The average premium of State Farm is $392, which is higher than Kemper's by $6. Their higher monthly premium is, due to their strict policies on traffic violations.
Auto-Owners Insurance Co's premium is $398, which is significantly more expensive than State Farm's by $6. Their monthly premium is higher due to their strict policies on DUI infractions.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $386 | $66 |
| State Farm | $392 | $65 |
| Auto-Owners Insurance Co | $398 | $68 |
| American Family | $404 | $67 |
| Nationwide | $422 | $72 |
| Travelers | $428 | $71 |
| Farmers | $446 | $76 |
Teens and young drivers in Washington often face high
car insurance rates, especially those aged 16 to 19. This is because inexperienced
drivers pose a higher risk. The average cost for teens in Washington is
$1598 for 6 months, which is less than the national average.
American Family is the best options for cheap
car insurance for young drivers in Washington.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $327 | $56 |
| Auto-Owners Insurance Co | $339 | $56 |
| Chubb | $380 | $65 |
| Travelers | $1117 | $188 |
| State Farm | $1182 | $199 |
| USAA | $1372 | $231 |
| Pemco | $1687 | $284 |
Car insurance rates in Washington have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average full coverage insurance cost in the Washington remained steady at $195 in both Feb and Jan, indicating no change over the two-month period.
The average liability insurance cost in the Washington remained steady at $195 in both Feb and Jan, indicating no change over the two-month period.
Your driving history significantly impacts your car insurance premiums. Insurance companies assess past at-fault accidents to gauge risk and adjust rates accordingly. Through our research we found that Auto-Owners Insurance Co gives you the cheapest car insurance rate after an at-fault accident in Washington at $50/month. On the other hand Sentry is the most expensive option at $700/month for an at-fault accident.
If you are living in Washington you should opt for Kemper. Kemper ranks as number 1 across various factors like customer satisfaction, claims and rates.
In Washington, your Auto insurance premiums can rise
significantly due to traffic violations. The extent of the increase depends on factors
such as the violation type, local regulations, and the insurer's policies. Minor
offenses like speeding might cause a small increase, while more serious violations, such
as DUIs, can lead to much higher rates. Additionally, the effect on premiums in
Washington may differ from the national average due to regional risks and rules.
Here’s a breakdown of average car insurance rates in Washington after
common driving violations.
| Accident/Violation | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1069 | $178 |
| One Med/PIP claim | $1069 | $182 |
| Not-at-fault accident | $1105 | $184 |
| Two Med/PIP claims | $1105 | $188 |
| One comp claim | $1111 | $185 |
| Two comp claims | $1158 | $197 |
| Failure to show documents | $1277 | $213 |
Driving under the influence is a serious offense. A DUI history classifies you as a high-risk driver, increasing your annual insurance premium. Premiums after a DUI can vary significantly between insurance providers. According to our findings, one of the cheapest car insurances in Washington is Chubb at $58 per month. Sentry at $531 per month is the most expensive provider.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Chubb | $339 | $58 |
| American Family | $374 | $62 |
| Auto-Owners Insurance Co | $428 | $73 |
| Travelers | $814 | $137 |
| Progressive | $820 | $138 |
| USAA | $903 | $152 |
| Pemco | $998 | $168 |
An SR-22 is a certificate of financial responsibility required by the state for high-risk drivers. It verifies that the driver carries the minimum liability insurance coverage mandated by law. The SR-22 is typically needed after violations like DUI or a serious traffic offense.
Contact your current insurance provider and ask them to file an SR-22. Not all companies offer this service, so you might need to switch providers.
You'll need to purchase a new insurance policy. Some insurers specialize in helping high-risk drivers and can file the SR-22 for you.
A non-owner car insurance policy is your best option. It covers liability and fulfills the SR-22 requirement at a lower cost since it doesn't insure a specific vehicle.
Your location impacts your car insurance rate. Busy cities mean higher costs due to traffic, while quieter towns often have lower premiums.
| City | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Spokane | $962 | $162 |
| Anacortes | $1045 | $178 |
| Cascade Valley | $1045 | $174 |
| Colfax | $1045 | $178 |
| Hay | $1045 | $174 |
| Lopez Island | $1045 | $178 |
| Moses Lake | $1045 | $174 |
| Moses Lake North | $1045 | $178 |
| Vancouver | $1045 | $176 |
| Warden | $1045 | $178 |
| Beaver | $1051 | $175 |
| Eastsound | $1051 | $179 |
