Candace Baker, Car Insurance Writer
@candacebaker
Car insurance in Washington costs $58 per month or $699 per year for minimum coverage, on average. The cheapest car insurance companies in Washington are Pemco, USAA, and Auto-Owners, and getting quotes from several companies can help you find the best deal.
The average cost of car insurance in Washington is 4% higher than the national average auto insurance premium. There are several factors that affect how much you'll pay for car insurance in Washington, including your driving record, age and location, the amount of coverage you purchase, and the insurance company you buy it from.
Average Cost of Car Insurance in Washington by Category
- After an at-fault accident: $259 per month
- Driver with poor credit: $60 per month
- Teen driver: $303 per month
- After a DUI: $108 per month
Average Cost of Car Insurance in Washington by Company
Company | Minimum Coverage | Full Coverage |
$779 per year | $2,241 per year | |
$854 per year | $2,034 per year | |
$522 per year | $1,976 per year | |
$430 per year | $1,379 per year | |
$790 per year | $1,392 per year | |
$587 per year | $1,766 per year | |
$818 per year | $1,889 per year | |
$440 per year | $1,434 per year | |
$518 per year | $1,738 per year | |
$299 per year | $1,140 per year |
Note: Rates are an approximation based on a 45-year-old man in Washington with a clean driving record. Actual rates will vary.
Average Cost of Car Insurance in Washington by Age
Age | Average Premium |
$3,640 per year | |
$3,011 per year | |
$2,641 per year | |
$2,030 per year | |
$1,834 per year | |
$1,385 per year | |
$1,222 per year | |
$1,141 per year | |
$1,078 per year | |
$898 per year | |
$710 per year | |
$699 per year | |
$687 per year | |
$759 per year |
Note: Rates are an approximation based on a driver in Washington with minimum coverage and a clean driving record. Actual rates will vary.
How to Lower the Cost of Car Insurance in Washington
- Shop around and compare quotes. We recommend comparing quotes from at least three different insurance companies to make sure you are getting the best rate.
- Choose a higher deductible. Your deductible is the amount you have to pay out of pocket before your insurance kicks in. Choosing a higher deductible can lower your premiums but means you will have to pay more out-of-pocket when you file a claim.
- Consider lowering your coverage. Consider purchasing only the minimum amount of coverage required by your state, rather than purchasing higher limits or a full coverage policy.
- Look for discounts you may be eligible for. For instance, most insurance companies offer a good-driver discount for customers with a clean driving record, a good-student discount, or a discount for paying your premiums in full up front.
To learn more, check out our guide to how much car insurance you need in Washington as well as our picks for the cheapest car insurance companies in Washington.
People also ask
How much car insurance do I need in Washington?
Drivers in Washington need $25,000 of bodily injury liability insurance per person (up to $50,000 per accident) and $10,000 of property damage liability insurance. Collision, comprehensive and gap insurance may also be required by a lender or lessor if your vehicle is financed.
In addition, an optional but recommended type of coverage in Washington is uninsured/underinsured motorist insurance. It replaces the liability coverage an at-fault driver should’ve had and pays for your costs up to your policy limits.
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read full answerWhy is Washington car insurance so expensive?
Car insurance in Washington is expensive because cities like Seattle, Bellevue, and Tacoma rank in the top 10 for vehicle theft nationwide. In Washington, you can expect to pay around $4,407 per year for full coverage car insurance, compared to the national average of $4,211 per year. Car insurance in Washington is about the same as the national average, which is around $4,211 per year for full coverage and about $1,407 per year for minimum coverage.
The cost of car insurance is steadily increasing,...
read full answerWhat is the penalty for driving without insurance in Washington?
The penalties for driving without insurance in Washington include fines and the suspension of your driver's license. You can avoid these consequences by meeting Washington’s proof of financial responsibility requirements. Washington requires that all drivers have at least $25,000 in bodily injury liability coverage, up to $50,000 per accident, along with $10,000 in liability coverage for property damage.
Purchasing Washington’s minimum liability car insurance coverage is the easiest way to satisfy the financial responsibility...
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