Why Compare Car Insurance Rates in Washington:
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.
| 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 |
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 | Annual Premium |
|---|---|
| PEMCO | $325 |
| Capital Insurance Group | $368 |
| State Farm | $410 |
| Chubb | $456 |
| Travelers | $476 |
| Farmers | $556 |
| Allstate | $608 |
| Progressive | $618 |
| American Family | $637 |
| Kemper | $637 |
| Nationwide | $662 |
| National General | $780 |
| Dairyland | $1,615 |
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.
If you have Washington car insurance, then you must have the following coverages as a bare minimum in terms of car insurance:
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.
Several factors are taken into account when determining your rates. The below table shows insurance rates in Washington based on gender and marital status.
| Company | Average Annual Premium |
|---|---|
| USAA | $997 |
| State Farm | $1280 |
| Travelers | $967 |
| Farmers | $1250 |
| PEMCO | $870 |
| Progressive | $1656 |
| American Family | $1776 |
| Company | 17-year-old-female | 17-year-old-male |
|---|---|---|
| Allstate | $4965 | $5754 |
| Capital Insurance Group | $2025 | $2,107 |
| Kemper | $2144 | $2,489 |
| Travelers | $3198 | $4025 |
| Nationwide | $5425 | $6195 |
| State Farm | $2,789 | $3487 |
| Farmers | $4198 | $4,557 |
| Progressive | $7285 | $8115 |
| Company | Annual Premium |
|---|---|
| PEMCO | $624 |
| American Family | $976 |
| Allstate | $980 |
| Kemper | $735 |
| Capital Insurance Group | $758 |
| Travelers | $956 |
| State Farm | $853 |
| Farmers | $1025 |
| Progressive | $1098 |
| Chubb | $1015 |
| National General | $1,289 |
| Nationwide | $1,095 |
| Company | Annual Premium |
|---|---|
| Kemper | $653 |
| PEMCO | $660 |
| Capital Insurance Group | $674 |
| State Farm | $798 |
| Chubb | $852 |
| Travelers | $905 |
| American Family | $1002 |
| Farmers | $1,034 |
| Allstate | $1,052 |
| Nationwide | $1,118 |
| Dairyland | $3,085 |
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.
| Company | Annual Premium |
|---|---|
| PEMCO | $618 |
| Kemper | $730 |
| Capital Insurance Group | $753 |
| State Farm | $877 |
| Travelers | $947 |
| American Family | $973 |
| Chubb | $1,018 |
| Farmers | $1,043 |
| Progressive | $1,132 |
| Nationwide | $1,243 |
For Washington drivers with a speeding violation on their record, PEMCO has the best rates – $772 per year for a full coverage policy. This rate is 29% 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 | ANNUAL PREMIUM |
|---|---|
| PEMCO | $772 |
| Kemper | $923 |
| State Farm | $968 |
| Capital Insurance Group | $1,032 |
| Allstate | $1,087 |
| Chubb | $1,129 |
| American Family | $1,157 |
| Farmers | $1,232 |
| Travelers | $1,328 |
| Progressive | $1,472 |
| USAA | $990 |
PEMCO offers the best rates to Washington drivers who have had one at-fault collision on their record. PEMCO offers full coverage auto insurance for 33% less than the state average of $1257 per year. Progressive has the most significant rise in auto insurance rates due to a single accident — $2060.
We always recommend checking around for car insurance when your driving record changes due to the wide range of pricing.
| COMPANY | ANNUAL PREMIUM |
|---|---|
| PEMCO | $843 |
| Kemper | $947 |
| Capital Insurance Group | $1003 |
| State Farm | $1,058 |
| American Family | $1,197 |
| Chubb | $1,280 |
| Allstate | $1,373 |
| Travelers | $1,389 |
| Farmers | $1,472 |
| National General | $2,008 |
| USAA | $1180 |
| Progressive | $2060 |
State Farm may find the cheapest car insurance for DUI drivers in Washington. State farm premiums are 39% 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 | ANNUAL PREMIUM |
|---|---|
| State Farm | $962 |
| PEMCO | $1,022 |
| American Family | $1,157 |
| Chubb | $1,283 |
| Farmers | $1,327 |
| Allstate | $1,332 |
| Progressive | $1,362 |
| Capital Insurance Group | $1,382 |
| National General | $1,508 |
| Travelers | $1,552 |
| Nationwide | $2,762 |
| Dairyland | $3,412 |
USAA has the most economical rates in Washington for married drivers, charging 32 percent less than the state average. In Washington, married drivers pay around 8% less on average than solo drivers.
| Company | Monthly Rate |
|---|---|
| Progressive | $125 |
| Allstate | $145 |
| Farmers | $150 |
| American Family | $152 |
| USAA | $80 |
| PEMCO | $80 |
| State Farm | $95 |
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 |
| Mutual of Enumclaw | $1,060 |
| Progressive | $1,245 |
| Allstate | $1,410 |
| Farmers | $1,960 |
| American Family | $2,585 |
| USAA | $950 |
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:
| City | Average Yearly Rate |
|---|---|
| Seattle | $1,805 |
| Tacoma | $1,805 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
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 |
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.
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:
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:
Driving Without Insurance in Washington State Has Consequences
You could face the following penalties if you are found driving without insurance in Washington:
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.
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:
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.
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.
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.
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.
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.
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.
| 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. |
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:
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
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.
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.
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.
The car insurance premiums are 20% cheaper when compared to the national average.
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.
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.
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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