The cost of car insurance in Washington varies significantly depending on the type and amount of insurance coverage you buy, your location, age and driving history. Geico offers the cheapest rates at $1,171 a year for full coverage.
We’ve compiled this detailed guide to help you choose the right car insurance in Washington. The team at CarInsurance.com has done all the hard work by researching and analyzing insurance prices for different kinds of drivers.
Keep reading to get a clear idea of how car insurance in Washington works and how much coverage you need.
- Geico provides the most affordable annual rates for full coverage car insurance in Washington, costing $1,171 per year.
- In Washington, insurance costs are influenced by various factors, including coverage limits, age, location, make/model of your vehicle and your driving history.
- Minimum liability coverage in Washington costs around $438 annually for limits of 25/50/10, while liability-only coverage costs $731 per year for limits of 50/100/50.
- In Washington, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 51%, a DUI raising rates by 76%, and an at-fault accident by up to 41%.
How much is car insurance in Washington?
In Washington, drivers pay an average of $134 monthly for full coverage car insurance, based on a rate analysis by CarInsurance.com.
Understanding the average insurance cost can give you a head start in budgeting for your coverage. It’s important to consider that premium costs vary from person to person and will depend largely on the make/model of your car, your driving record and other factors.
Average cost of auto insurance in Washington by coverage level
In Washington, car insurance rates can differ depending on how much coverage you choose. Drivers in Washington are required by law to have minimum insurance coverage limits of 25/50/10 to drive legally.
Liability-only insurance policies are the most affordable option and provide the minimum coverage required in Washington. However, they don’t offer much protection.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
On the other hand, full coverage car insurance is more expensive, but it offers extensive protection. It helps cover your vehicle in case of accidents, theft, natural disasters, and animal collisions. Full coverage can make you feel more secure, knowing you’re well-protected if something happens.
Full coverage car insurance comprises liability, comprehensive, collision and any other coverage required by your state.
In the table below, see the car insurance premiums in Washington for three different coverages.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $36 | $438 |
| Liability Only – 50/100/50 BI/PD | $61 | $731 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $134 | $1,608 |
State minimum car insurance in Washington
Washington laws mandate that all drivers carry insurance with minimum liability limits of $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident and $10,000 for property damage liability.
In Washington, you can get state minimum car insurance for $438 per year. However, this minimum coverage doesn’t offer enough protection. Drivers can add other types of insurance, such as comprehensive and collision, increase their liability limits and buy personal injury coverage for added protection.
Drivers in Washington must purchase the minimum required car insurance to operate their vehicles on the road.
Liability-only car insurance in Washington
The average cost of liability-only insurance in Washington is $731 for the coverage limits of 50/100/50, based on a recent data analysis by CarInsurance.com.
Liability-only insurance helps cover the costs if you damage someone else’s car or injure someone in an accident. It’s more affordable than full coverage insurance, but remember, it doesn’t pay for repairs to your vehicle or cover injuries to your passengers.
Full coverage car insurance in Washington
The average annual premium in Washington is $1,608 for a full coverage policy with limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
When it comes to car insurance, experts recommend opting for full coverage with the highest liability limits you can afford. It includes liability, comprehensive and collision coverage with a deductible. Full coverage car insurance protects you from unexpected events on the road. with a deductible.
Calculate the cost of car insurance in Washington
Insurance rates can differ depending on your ZIP code because what’s affordable in one area might be expensive in another.
Insurance companies assess various factors, such as crime rates, traffic conditions, car theft incidents and population density, to evaluate the level of risk in different areas and determine car insurance premiums.
As a result, people living in higher-risk neighborhoods of Washington have to pay more than those living where the risks are lower.
Our tool lets you quickly obtain insurance quotes for different coverage limits specific to your ZIP code within minutes. Input your ZIP code to see how much you can save on premiums.
Washington car insurance rates by ZIP Code
For 30 year old Male ( Liability - Minimum)
Estimate car insurance in Washington by car model
Washington car insurance providers use the make and model of your vehicle to determine premiums. If you drive a luxury car, which can be expensive to repair, expect to pay more for insurance than cars that are easier and cheaper to fix.
For instance, luxury brands like Maserati, BMW, Porsche, and Audi usually have higher insurance costs. Cars like Subaru, Hyundai, Honda and Mazda are often cheaper to insure.
See how much you’ll pay for car insurance for your specific make and model in Washington.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Washington
As you age, the cost of your car insurance might change. As a young driver, you’ll pay more than an experienced, older driver. This is because younger drivers are more prone to accidents. The Insurance Institute for Highway Safety reports that the crash rate for teen drivers is four times higher than for drivers 20 years old or older.
Insurers know that teenage drivers are less experienced and pose a higher risk, resulting in higher insurance premiums. Washington drivers between the ages of 30 to 60 typically enjoy the lowest average auto insurance rates, at about $1,583 annually.
Car insurance for drivers aged 16-19 costs $3,661 more annually than Washington drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $5,244 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $2,376 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $1,583 per year in Washington.
- For senior drivers: Drivers age 65 and older can expect to pay $1,693 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Washington
If your driving record includes a DUI, speeding ticket or an at-fault accident, your rates will increase significantly. A DUI conviction in Washington can increase your premiums by up to 76% because insurers see you as a risky driver.
Similarly, if you get a speeding ticket in Washington, you’ll likely see an increase in your car insurance premium by up to 51% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on state laws, your insurance company and your driving record.
Here is how much your car insurance rate increases in Washington after driving incidents:
- Speeding ticket: Up to 51% increase
- DUI conviction: 76% increase
- At-fault accident (bodily injury and property damage): 41% increase
But even with a traffic ticket, comparison shopping can save you money.
Car insurance cost in Washington for high-risk drivers
High-risk drivers in Washington pay more for car insurance than other drivers because they are considered riskier. Factors like accident history, traffic violations and poor credit scores influence how much the policyholder will pay for insurance coverage.
High-risk drivers can lower their insurance premiums by comparing price quotes from different insurance companies. Each company offers different prices, so shopping around and finding the best deal that fits your needs is a good idea.
Use this tool to determine which company has the best prices for drivers with speeding tickets, DUIs, or at-fault accidents on their driving records.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| USAA | $1,206 |
| Geico | $1,954 |
| State Farm | $2,101 |
| Travelers | $2,165 |
| Allstate | $2,481 |
| American Family | $2,577 |
| Nationwide | $2,799 |
| Farmers | $3,074 |
| Progressive | $4,598 |
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Washington
In Washington, drivers can save on car insurance by comparing prices from different companies. Many factors affect how much you pay, like your driving history and the type of car you drive. Luckily, there are plenty of choices to help you find good insurance that fits your budget.
Begin your search for the top car insurance policy in Washington by getting quotes from multiple insurance providers and comparing them.
Below are the details of Washington car insurance companies and their annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Geico | $296 | $473 | $1,171 |
| PEMCO | $158 | $351 | $1,326 |
| Travelers | $398 | $713 | $1,503 |
| Nationwide | $496 | $792 | $1,658 |
| Farmers | $450 | $868 | $1,714 |
| American Family | $709 | $1,109 | $1,750 |
| Allstate | $639 | $927 | $1,766 |
| State Farm | $410 | $741 | $1,794 |
| Progressive | $595 | $947 | $2,554 |
| USAA | $226 | $387 | $853 |
Car insurance rates by city in Washington
Tukwila is the priciest city in Washington for car insurance, costing an average of $2,085 annually. On the other hand, Malden is the most affordable city, where drivers pay an average of $1,331 per year for car insurance.
Car insurance costs differ from city to city in Washington, mainly because of traffic congestion. Cities with more traffic usually see more accidents and insurance claims, which makes insurance more expensive.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
The table below shows the average annual car insurance premiums for Washington’s largest cities.
Select your city below to see the insurance company and its average full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| USAA | $833 |
| Geico | $1,051 |
| PEMCO | $1,263 |
| Travelers | $1,282 |
| Farmers | $1,510 |
| Nationwide | $1,530 |
| American Family | $1,654 |
| State Farm | $1,691 |
| Allstate | $1,698 |
| Progressive | $2,319 |
How much does car insurance cost in Washington per month?
In Washington, a full coverage car insurance policy with 100/300/100 limits typically costs about $134 per month.
Paying car insurance monthly can offer individuals greater budget flexibility. By spreading the cost over time, they can avoid the strain of a hefty lump sum payment and manage their expenses more comfortably.
While paying your car insurance in full upfront at renewal can sometimes get you a discount, the best choice will depend on your situation.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $36 |
| Liability Only – 50/100/50 BI/PD | $61 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $134 |
Final thoughts on choosing car insurance in Washington
The ideal car insurance company varies depending on what matters most to you. Some prioritize excellent customer service, even if it costs slightly more. Others focus on finding the cheapest rates. Some drivers also value the convenience of handling everything through a mobile app, while some prefer the personalized touch of a dedicated agent.
Ultimately, understanding your needs to find the best policy at the most competitive price is critical. Shop around for a good deal that provides peace of mind when hitting the open road in Washington.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed March 2025.
- USAA. “How credit affects insurance premiums.” Accessed March 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Washington. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/10.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
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