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Cheap Car Insurance in Washington (With Quotes, September 2022)

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Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.
Amy Beardsley

By: Amy Beardsley

Edited by Jackie Cohen

Updated July 5, 2022

Car Insurance in Washington

Finding the best rates in Washington can be overwhelming. It’s not uncommon for the average person to spend more than an hour hunting and gathering quotes, but it doesn’t have to be that way. Washington drivers can buy affordable car insurance quickly and easily—here’s how to find the right auto insurance policy for your budget and needs.

See More: Cheap Car Insurance

See More: Cheap Car Insurance No Deposit

Quick Facts

  • The average cost of car insurance in Washington is $248 per month, or $2,978 annually.
  • Metromile is the cheapest provider we found in Washington, with average premiums of $101 per month.
  • Your rates are determined by factors outside of your location, such as your age and driving record – but by comparing car insurance quotes, you can ensure you find the best rate for your circumstances.

Cheapest Car Insurance in Washington

How much is car insurance in Washington?

The average cost of car insurance in Washington is $248 per month. However, keep in mind that what you pay for car insurance will depend on your age, gender, driving record, credit score, and other factors in your unique driving profile.

Insurance rates can vary tremendously from one company to another. That’s why it pays for buyers to shop around. In Washington, Metromile has the cheapest rates, with an average rate of $101 per month. However, several companies also offer great motorist coverage for less than $180 per month, such as Progressive, Travelers, Safeco, National General, and Stillwater.

Car Insurance CompanyAverage Monthly Quote
Metromile$101
Progressive$140
Travelers$151
Safeco$169
National General$173
Stillwater$174
Nationwide$181
Direct Auto$183
The General$189
Midvale Home & Auto$206
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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Cheapest Liability Auto Insurance in Washington

Liability car insurance is basic protection that covers property damage liability and bodily injury liability. It pays if you damage someone else’s property in an accident or injure someone in a vehicle or on foot. Liability does not pay to repair your vehicle but is often the state minimum coverage required for most drivers.

The cheapest minimum liability coverage in Washington is Metromile, with an average monthly rate of $69. However, Progressive and Travelers are also good choices for low-cost car insurance, at $102 and $116 per month on average.

Car Insurance CompanyAverage Monthly Quote
Metromile$69
Progressive$102
Travelers$116
Kemper Preferred$128
Stillwater$130
The General$131
Kemper Specialty$132
Safeco$133
National General$135
Midvale Home & Auto$154
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheapest Full-Coverage Auto Insurance in Washington

Full-coverage car insurance pays to repair or replace your car if someone or something causes damages. It includes comprehensive coverage and collision coverage, in addition to standard liability coverage. Here are the companies that offer the cheapest full-coverage policies in Washington state.

Car Insurance CompanyAverage Monthly Quote
Metromile$106
Progressive$161
Travelers$161
Safeco$178
Stillwater$181
Nationwide$184
Direct Auto$196
National General$200
Midvale Home & Auto$220
Kemper Preferred$222
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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Best Car Insurance in Washington

Ultimately, our research indicated Nationwide was the best car insurance company in Washington state based on its ICS score. It gets high marks from customers based on claims processing, service level, and overall value. Safeco, Liberty Mutual, and Travelers car insurance are all top contenders in the Evergreen State as well.

Car Insurance CompanyICSThe Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect 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 and customer complaints; mobile app reviews; and user-generated company reviews.Average Monthly Quote
Nationwide89$181
Safeco86$169
Liberty Mutual82$239
Travelers80$151
National General58$173
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: Best Car Insurance Companies

Insurify Composite Score

The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect 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 and customer complaints; mobile app reviews; and user-generated company reviews.

Washington Car Insurance Rates by Driving and Accident History

Washington car insurance rates can vary depending on your driving and accident history. Drivers with a history of speeding tickets, DUIs, or at-fault accidents should expect to pay double or triple the rates of a safe driver. If you currently have insurance and received a ticket or conviction, let your insurer know (or they may cancel your protection!).

See More: High-Risk Car Insurance Washington

Cheap Car Insurance for Good Drivers in Washington

Good drivers with a clean driving history—those who have no history of at-fault accidents, DUIs, or speeding tickets on their record—can qualify for good driver discounts and get some of the cheapest car insurance quotes in Washington. Metromile leads the pack with an average monthly rate of $97, while Progressive, Travelers, and Safeco average $133 to $148.

Car Insurance CompanyAverage Monthly Quote
Metromile$97
Progressive$133
Travelers$142
Safeco$148
National General$160
Stillwater$163
The General$164
Direct Auto$165
Nationwide$174
Midvale Home & Auto$174
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheap Car Insurance for Drivers with DUI in Washington

When looking for cheap car insurance, drivers with a DUI in Washington must shop around because auto insurance rates vary widely. A DUI is also known as driving under the influence (or impaired) and is a serious violation. If you’re in this situation, Stillwater has the cheapest car insurance for Washington drivers with a DUI, averaging $93 per month.

Car Insurance CompanyAverage Monthly Quote
Stillwater$93
National General$153
Progressive$164
Travelers$169
Direct Auto$173
Nationwide$179
Kemper Specialty$187
The General$193
Safeco$209
Liberty Mutual$221
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

See More: SR-22 Insurance Washington

SR-22 Insurance in Washington

Drivers who need SR-22 insurance in Washington will find that most insurance providers can assist. SR-22 is a form or certificate from the insurer that the driver provides to the state. It confirms that the driver owns car insurance required by the state. State Farm, Progressive, Liberty Mutual, and many others will provide a Washington SR-22 certificate of financial responsibility.

Cheap Car Insurance for Drivers with an At-Fault Accident in Washington

At-fault accidents cost insurers money. Insurers can raise your rates for several years until you are deemed a good driver again. Metromile provides the cheapest car insurance for drivers with an at-fault accident in Washington state, with an average monthly cost of $94. Travelers, Progressive, and Nationwide are priced at $165 to $205 per month on average.

Car Insurance CompanyAverage Monthly Quote
Metromile$94
Travelers$165
Progressive$169
Nationwide$205
Safeco$227
National General$230
Kemper Preferred$234
Direct Auto$252
Bluefire$262
Stillwater$237
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Cheap Car Insurance for Drivers with Speeding Tickets in Washington

Driving faster than the limit can put you and other drivers at risk, and speeding tickets can cause your car insurance rates to go up. Overall, Metromile has the cheapest car insurance coverage for Washington drivers with speeding tickets, with a monthly average of $115. You can also find affordable car insurance at Progressive, Travelers, and Stillwater.

Car Insurance CompanyAverage Monthly Quote
Metromile$115
Progressive$154
Travelers$179
Stillwater$188
Nationwide$202
National General$202
Safeco$205
Bluefire$215
Direct Auto$227
The General$239
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Washington Car Insurance Rates by Credit Tier

While insurance companies in many states consider your credit score when determining your auto insurance premiums, Washington state bans the use of credit score or a credit based insurance score to determine your rates. This makes getting cheap car insurance in Washington easier and more equitable.

See More: Bad Credit Car Insurance Washington

Washington Car Insurance Rates by Driver Age

Young drivers generally pay the highest car insurance rates in Washington. Teen drivers and adults under age 25 pay on average between $336 and $415 per month. However, once a driver reaches their 30s, rates steadily decline into their 70s from $200 to $170 per month.

Age GroupAverage Monthly Rate
Teenagers$415
Under 25$336
20s$259
30s$200
40s$209
50s$191
60s$166
70s$170
80+$190
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Car Insurance Rates in Washington Cities

Drivers living in less populated areas with lower crime rates pay the least for car insurance on average. Spokane and Olympia are two examples—drivers there pay the least for car insurance in Washington, averaging between $185 and $193 per month. On the other hand, metro areas like Seattle and Tacoma pay higher rates, averaging from $242 to $258 per month.

City in WashingtonAverage Monthly Quote
Spokane$185
Olympia$193
Vancouver$207
Everett$233
Seattle$242
Auburn$251
Puyallup$254
Tacoma$258
Kent$258
Renton$259
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Washington Driving Facts:

Every state has minimum insurance requirements, and Washington is no exception. Additionally, all drivers in Washington will have to visit their local DMV and may at some point need to rely on public transportation. The following sections break down minimum insurance requirements, DMV services, and public transit options in Washington.

Minimum Car Insurance Requirements in Washington

All motor vehicles operated or parked on Washington roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Washington[1] are:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Washington is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $10,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

Washington DMV Information

The state of Washington DMV provides many services to residents, including pre-applying for licenses and ID cards, renewals, name and address changes, vehicle title registration, and title transfer and replacement. Drivers will find multiple locations throughout the state and can visit the one closest to them for the most convenience.

Public Transportation in Washington

Getting around in Washington state without a vehicle is easier in some areas than in others. Aside from interstate and state freeway systems, Washington also offers public bus service in urban areas, park-and-ride lots, and bike lanes in select cities.

You’ll also find north-south rail service in the western part of the state from Vancouver, BC, to Los Angeles and east-west rail service from Seattle and Spokane to Chicago.

How to Get the Cheapest Car Insurance in Washington

The fastest way to find the cheapest car insurance in Washington is to let Insurify do the work for you. Insurify lets you easily compare car insurance premiums and coverage among the nation’s top insurance providers. Our state-of-the-art system tailors the car insurance policy to fit your circumstances and automatically applies discounts. Get a free quote today.

Frequently Asked Questions: Cheap Car Insurance in Washington

  • Yes, drivers in Washington must have car insurance coverage. Specifically, the state requires policies to have at least $25,000 for bodily injury to one person per accident, $50,000 for total injuries or death to all people per accident, and $10,000 for damaging someone else's property per accident.

  • Fortunately, finding cheap car insurance for Washington residents is straightforward when you compare rates. Head to Insurify’s auto insurance comparison tool, and enter a few pieces of information. Then, customize the features you need. You’ll get quotes from multiple auto insurance companies in an instant to help you save money on car insurance.

  • Car insurance costs in Washington depend on several factors, such as where you live, the type of vehicle you own, your driving record and credit history, and the amount of coverage needed. Drivers with a clean driving record can qualify for the lowest rates, starting at $97 per month. Also, be sure to ask your insurer if you qualify for any other discounts to save even more.

  • Washington drivers see increased car insurance rates if they have points on their licenses. For example, speeding tickets, at-fault accidents, and DUIs can significantly raise insurance costs. Plus, Washington drivers with no credit, poor credit, or average credit will likely pay more for auto insurance than those with excellent credit.

  • Washington does not require residents to buy PIP insurance. However, it is valuable coverage to add because it pays for medical and hospital costs, lost wages, and funeral expenses, regardless of who was at fault for the accident.

Insurify Insights

How Washington Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Washington below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Washington drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

ford

Ford F-Series Pickup

Most Popular Car in Washington

#8

State with the Most Speeding Tickets Rank

#11

State with the Moving Violations Rank

#25

State with the Most DUIs Rank

#31

State with the most Suspended Licenses

  • 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. Washington is the #9 state in the country for drivers with an at-fault accident on their driving record.

    • Rank among states: #9
    • Percent of drivers in Washington with an accident: 10%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Washington is the #25 state in the country for drivers with a prior drunk driving conviction.

    • Rank among states: #25
    • Percent of drivers in Washington with a DUI: 1.4%
  • 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. Washington is the #14 state in the country for drivers with a reckless driving offense on record.

    • Rank among states: #14
    • Percent of drivers in Washington with a reckless driving offense: 1.7%
  • The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Washington is the #10 state in the country for drivers with a rude driving violation on record.

    • Rank among states: #10
    • Percent of drivers in Washington with a rude driving violation: 2.1%
  • Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Washington is the #8 state in the country for drivers with a speeding ticket on record.

    • Rank among states: #8
    • Percent of drivers in Washington with a speeding ticket: 11%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Washington is the #7 state in the country for drivers with a failure to yield violation on record.

    • Rank among states: #7
    • Percent of drivers in Washington with a failure to yield violation: 0.3%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

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  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Amy Beardsley
Amy Beardsley
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Insurance Writer

Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.

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Sources

  1. Washington State Office of the Insurance Commisioner. "State Minimum Car Insurance Requirements." Accessed May 28, 2022