Cheap Auto Insurance Quotes in Washington (2021)

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From the North Cascades to metro Seattle, the winding roads of Washington State have over three million registered vehicles. 

With all those cars on the road, it’s essential to have an auto insurance policy that fits you and your lifestyle.

Compare the cheapest and best quotes in Washington here.

Cheapest Car Insurance in Washington

Here are the cheapest carriers in Washington for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates for the twenty most populous cities in Washington.

Best Car Insurance in Washington

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Washington. For the complete list, see Insurify's best car insurance companies.

Car Insurance in Washington

Auto insurance costs will vary between locations and insurance carriers. Insurify analyzed the latest data for the five most populous cities in Washington to find you the cheapest quotes in each of these metropolitan areas.

Seattle is Washington's most populous city. Drive defensively here - streets are almost always one-way, and parking is often limited, much to local residents' chagrin.

Quotes by Top Carriers
Quotes ($/mo)
$42
$104
$109
$146
$163
ProgressiveState FarmNationwideTravelersThe General
Monthly $
CityCheapest Carrier
Progressive
$42/mo
Progressive
$31/mo
Progressive
$45/mo
American FamilyAmerican Family
$15/mo
Progressive
$41/mo
Progressive
$46/mo
Progressive
$48/mo
Progressive
$49/mo
Progressive
$49/mo
Progressive
$39/mo
Progressive
$42/mo
Progressive
$35/mo
Progressive
$38/mo
Progressive
$50/mo
Progressive
$35/mo
Progressive
$44/mo
Progressive
$47/mo
Progressive
$43/mo
TravelersTravelers
$164/mo
SafecoSafeco
$172/mo
TravelersTravelers
$160/mo
SafecoSafeco
$188/mo
TravelersTravelers
$126/mo
SafecoSafeco
$163/mo
Progressive
$96/mo
Progressive
$167/mo

Cheapest Liability Auto Insurance in Washington

For drivers in Washington, that are looking for the cheapest quote possible, you can consider a state minimum policy for liability insurance.

To simplify finding the cheapest minimum liability quote, Insurify has analyzed rates from top insurance providers in Washington. The following are the cheapest insurance rates from carriers that offer minimum liability auto insurance in Washington.

Cheapest Full Coverage Auto Insurance in Washington

For drivers in Washington, that are looking for a full coverage policy that includes comprehensive and collision insurance it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Washington. The following are the best insurance rates from carriers that offer full coverage auto insurance in Washington.

Washington Driving Facts

washington

Minimum Car Insurane Requirements in WA

All motor vehicles operated or parked on Washington roadways are required to be insured. The minimum liability car insurance requirements for private passenger vehicles in Washington are as follows:

  • $25,000 per person/$50,000 per accident for Bodily Injury (BI)

Bodily Injury Liability Coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Washington state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/50, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Washington law.

  • $10,000/accident for Property Damage (PD)

The state minimum amount of Property Damage Liability Coverage required in the state of Washington is $10,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

Cheapest Car Insurance Quotes in Washington by Profile

Here are the cheapest insurance companies in Washington based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Average rates may vary depending on the profile and background of the policyholder.

Cheap Car Insurance for Good Drivers

For Washington drivers with a clean driving record free of any moving violations, auto insurance rates may be significantly lower. Progressive offers the best options for good drivers in Washington, at $31 a month. With both cheaper premiums and additional safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.

Insurance Company
Progressive
$31/mo
American Family
$51/mo
GEICO
$75/mo
State Farm
$78/mo
Nationwide
$82/mo

Cheap Car Insurance for Drivers with DUI

Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.

Insurance Company
Progressive
$41/mo
State Farm
$43/mo
Grange
$47/mo

Cheap Car Insurance for Drivers with an At-Fault Accident

The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.

Insurance Company
PEMCO
$41/mo
USAA
$41/mo
State Farm
$47/mo

Cheap Car Insurance for Speeding Drivers

The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game. The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.

Insurance Company
USAA
$32/mo
PEMCO
$38/mo
State Farm
$43/mo

Cheap Car Insurance for Young Drivers

If you’re under 40 years old in the state of Washington, you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. USAA offers the cheapest car insurance rates for young drivers, averaging $23 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.

Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. Unlike most states, Washington 21-year-olds benefit from the state’s ban on using gender, education level, and credit score as factors when calculating premiums. This will generally help young Washingtonians lower their monthly payments. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.

Insurance Company
USAA
$23/mo
PEMCO
$28/mo
Progressive
$34/mo
State Farm
$38/mo
GEICO
$40/mo

SR‌-22 Insurance in Washington

If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of Washington on your behalf.

WA DMV/DOL Information

The Washington Departmetn of Licensing (DOL) has outposts in all 39 counties throughout the state. 

At the DOL, Washington residents can access services like driver’s license and ID card registration and renewal, vehicle registration, and license plate pick-up, as well as insurance information and services. Many services are available online and via U.S. Mail for convenience. Unfortunately, the Washington DOL only offers appointments for licensing tests.  For the shortest wait times, avoid planning your visit on Mondays and Fridays or during lunch hours.

Regardless of where you live in the Evergreen State, a DOL shouldn’t be too far. Washington residents may be able to skip their visit to the DOL altogether and get what they need through their online portal.

Insurify Insights: How Washington Drivers Measure Up

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Washington drivers measure up to their fellow motorists across the United States in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Washington

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Among all fifty states, Washington drivers rank 12 in the number of car accidents per driver.

  • Rank of States: #12
  • Percent of drivers in Washington with an accident: 11.33%
  • Drivers in WA with an accident in their driving history paid on average 36.92% more than drivers with a clean record

Speeding Washington

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. Washington drivers rank 7 in the number of speeding infractions per driver across all fifty states.

  • Rank of States: #7
  • Percent of drivers in Washington with a speeding ticket: 13.12%
  • Drivers in WA with a speeding ticket in their driving history paid on average 26.67% more than drivers with a clean record

DUI/DWIs Washington

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Washington drivers rank 29 in the number of DUI’s per driver across all fifty states.

  • Rank of States: #29
  • Percent of drivers in Washington with a DUI: 1.84%
  • Drivers in WA with a DUI in their driving history paid on average 8.72% more than drivers with a clean record

Most Popular Vehicle Washington

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Washington is the Honda Civic.

Rude Washington

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all fifty states, Washington drivers rank 3 in rude driving infractions.

  • Rank of States: #3
  • Percent of drivers in Washington with a reckless driving violation: 2.7%
  • Drivers in WA with a reckless driving violation in their driving history paid on average 33.85% more than drivers with a clean record.

Safest Drivers Washington

Having a squeaky-clean driving record is an accomplishment to be proud of. Some states have safer drivers than others; Washington drivers rank 43 in clean driving records across all fifty states.

  • Rank of States: #43
  • Percent of drivers in Washington with clean record: 76.71%

Street Racing Washington

Street racing might seem like something straight out of a Fast and Furious movie, but it’s a real issue that threatens public safety. Among all fifty states, Washington drivers rank 23 in street racing violations per driver.

  • Rank of States: #23
  • Percent of drivers in Washington with a street racing violation: 0.01%

Failure to Yield the Right of Way Washington

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Washington drivers rank 8 in failure to yield violations per driver across all fifty states.

  • Rank of States: #8
  • Percent of drivers in Washington with a failure to yield violation: 0.68%
  • Drivers in WA with a failure to yield violation in their driving history paid on average 38.46% more than drivers with a clean record

Reckless Drivers Washington

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all fifty states, Washington drivers rank 7 in the number of reckless driving offenses per driver.

  • Rank of States: #7
  • Percent of drivers in Washington with a reckless driving offense: 0.26%

Hybrid/Electric Vehicle Ownership Washington

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Washington drivers rank 4 in hybrid and electric vehicle ownership across all fifty states.

  • Rank of States: #4
  • Percent of drivers in Washington with a hybrid/electric vehicle: 2.09%

Greenest Cities in Washington

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

The state of Washington offers many green driver incentives, including federal tax credits and discounts through some car insurance carriers.

Greenes Cities

Redmond

Greenes Cities
% of Hybrids / Electrics
7%
Most Patriotic City

Most Patriotic City

Tacoma

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Bremerton won Insurify's Most Patriotic Cities Award for the state of Washington. The city encompasses the Puget Sound Naval Shipyard as well as the Bremerton Annex of Naval Base Kitsap.

Road Statistics

Insurify used a recent report from TripNet to rank twenty-five states by roads in poor condition, structurally deficient bridges, and fatality rate per 100 million vehicle miles traveled (VMT) on rural roads. Knowledge of infrastructure in Washington is vital for all car insurance shoppers hitting the road in The Evergreen State.

road with cars illustration

Road Rankings

21%Rural Roads in
Poor Condition

#8
Ranked

5%Structurally Deficient
Rural Bridges

#14
Ranked

1%Fatality Rate per 100M VMT
on Rural Roads

#30
Ranked


FAQs - Washington Car Insurance

Do I need non-owner insurance in Washington?

Non-owner auto insurance provides coverage to people driving cars registered to someone else. If you don't own your own car and are borrowing someone else's vehicle, non-owners insurance provides liability coverage for property damage and injuries, uninsured/underinsured motorist protection. Non-owners insurance does not, however, cover damage to a car you've borrowed or injuries sustained in an accident. You may need non-owner car insurance if you need an SR-22 form filed on your behalf, if you need car insurance to get a driver's license, if you use car-sharing services or rent frequently, want to maintain continuous auto insurance coverage (which may save you money in the long-run), or if you borrow cars frequently.

What happens if I get caught driving uninsured in Washington?

You should never drive a vehicle if uninsured. Serious penalties may occur if you’re caught or involved in an accident without insurance. Driving without liability insurance may result in a $450 fine, and/or a misdemeanor charge. Plus, your licence or driving privileges may be suspended if you do not meet the minimum requirements mandated by Washington state law.

Who has the cheapest car insurance in Washington?

The best way to get the cheapest car insurance in Washington and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Click here to find the cheapest car insurance quotes and companies in your area in just a few seconds.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.