Cheapest Auto Insurance in Washington (2024)

State Farm has the cheapest liability insurance in Washington, with rates as low as $54 per month.

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Emily Guy Birken
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Katie Powers
Edited byKatie Powers
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Katie PowersAuto and Life Insurance Editor
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  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Mark Friedlander
Reviewed byMark Friedlander
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Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin Halachev
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Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated June 20, 2024

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Cheapest recent rates in Washington

Drivers in and around Washington have found policies from National General, Chubb, State Farm, and more, through Insurify in the last few days.

*Quotes generated for Insurify users from Washington within the last 10 days. Last updated on June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Washington within the last 10 days. Last updated on June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Drivers in Washington state pay slightly less for car insurance than the national average. Liability insurance in the Evergreen State costs an average of $81 per month, while the national average is $105 per month.

The relatively low average cost of insurance isn’t surprising, considering Washington has a low population density of 116 people per square mile.[1] Drivers in areas with higher population density typically face a higher risk of vehicle accidents and property damage.

Here’s what drivers in Washington state need to know about comparing auto coverage options and finding the best insurance coverage at the right price.

Quick Facts
  • State Farm, USAA, and Direct Auto have the cheapest liability coverage in Washington.

  • The average cost of full-coverage insurance in Washington is $176 per month, which is lower than the national average of $214.

  • Washington has the 12th-highest percentage of uninsured drivers in the country, at 16.5%.[2]

3 of the cheapest car insurance companies in Washington

The cheapest car insurance company will look different for each driver because insurers use a variety of factors to determine your car insurance rates, including your driving history, marital status, ZIP code, credit-based insurance score, location, coverage level, and vehicle.

The best way to find the right insurance company for you is to compare quotes from multiple insurers. State Farm, USAA, and GEICO have some of the lowest average rates in Washington, so you may want to begin your search with these companies.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
State Farm9.3$118$54Cheap rates
USAA9.4$120$55Military members and veterans
GEICO9.0$145$67Discounts
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1-to-5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for cheap rates: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$54/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$118/mo

State Farm is the largest auto insurance company by market share.[3] Not only does the company offer affordable rates and a variety of discounts, but it also has a robust list of coverage options, including car rental and travel expenses, roadside assistance, medical payments, and rideshare coverage.

State Farm also ranks above the regional average for customer satisfaction in the Northwest, according to the J.D. Power 2023 U.S. Auto Insurance Study.

Pros
  • Offers rideshare coverage

  • Discount programs specifically tailored to young drivers

Cons
  • Doesn’t offer gap insurance

  • Must purchase a policy through State Farm agent

Read our State Farm review
Ronald - June 20, 2024
Verified

Excellent Outcome

They were professional, helpful, supportive, and knowledgeable.

Henry Crognale - June 20, 2024
Verified

Good

Excellent customer service.

Carole - June 20, 2024
Verified

Fair

It's too expensive for seniors.

Best for military members and veterans: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$55/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$120/mo

USAA has been serving members of the military and their families for more than 100 years. The Evergreen State has a high veteran population, with around 500,000 veterans. USAA provides a high level of customer service, and the company has the highest score on the J.D. Power 2023 U.S. Auto Insurance Study in the Northwest region.

Pros
  • Has usage-based insurance options

  • Offers banking and investment products in addition to insurance

Cons
  • No gap insurance

  • Only available to military members, veterans, and their families

Read our USAA review
Claude - June 20, 2024
Verified

Excellent

Outstanding all the time.

Christie - June 18, 2024
Verified

Ok

I have had USAA banking and auto insurance for 20 years. I just changed my bank account and am now looking for new insurance. They used to be awesome and nobody could even make me think of switching, but it seems people these days don't care about good customers.

John - June 18, 2024
Verified

USAA is tough to beat

I have yet to receive a quote that beats USAA!

Best for discounts: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$67/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$145/mo

Budget-conscious Washington drivers may want to check out GEICO auto insurance. GEICO has a wide variety of discount options. According to the insurer’s own estimation, each discount could save drivers upwards of 25%. And with the large list of discounts available, drivers can potentially stack multiple discounts on top of each other for more savings.

Pros
  • Award-winning mobile app and website

  • Many available discounts

Cons
  • Below-average J.D. Power customer satisfaction rating in the Northwest region

  • Limited agent network

Read our GEICO review
Solomon - June 20, 2024
Verified

Educated Consumer

It's a good company; however, search other companies for a cheaper cost.

Gloria - June 20, 2024
Verified

Expensive

It's a good insurance, just expensive for me at this time.

George - June 20, 2024
Verified

Been with them for 22 years and no one has yet beaten their price for me

Check with other companies first. One of the best things they offer is a monthly policy term.

How to get the cheapest car insurance in Washington

Finding cheap car insurance isn’t like other types of comparison shopping. The cheapest companies won’t be the same for every driver because each insurer bases your rates on a variety of factors, including the type of coverage you choose, your driving record, and your vehicle, as well as your age, gender, marital status, and location.

Customers can potentially lower the cost of their insurance policy by using these strategies:

  • Drive safely. A clean driving record is one of the most effective methods of keeping your rate low.

  • Bundle insurance products. The best auto insurance companies often offer other types of insurance, like homeowners insurance, life insurance, business insurance, and umbrella insurance. Getting all your necessary insurance coverage through a single insurer will often unlock money-saving discounts.

  • Increase your deductible. Your deductible is the money you’re responsible for paying before your coverage pays for a claim. A higher deductible means paying lower premiums — although you want to make sure you have enough money to cover the higher deductible in case of a car accident. Remember, you’ll have to pay the deductible before the insurance company pays for your property damage.

Find Cheap Car Insurance in Washington

Liability quotes start at $54 per month

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Cheapest liability-only car insurance in Washington: State Farm

Liability-only car insurance is the minimum coverage you need to drive legally in Washington. This car insurance policy includes bodily injury liability and property damage liability coverage. Liability-only car insurance pays for medical expenses stemming from an accident you caused and pays to repair or replace the other party’s damaged property.

Washington drivers pay an average of $81 per month for liability insurance. The following insurance companies offer the best car insurance at the lowest prices for drivers looking for liability-only coverage.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyAverage Monthly Quote
State Farm$54
USAA$55
Direct Auto$57
GEICO$67
Allstate$72
Safeco$75
National General$79
American Family$82
Nationwide$84
The General$90
Chubb$91
Farmers$96
Travelers$112
Foremost$118
Dairyland$122
Bristol West$133
Liberty Mutual$147
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Washington: Direct Auto

Liability-only coverage may offer the cheapest car insurance rates, but it often doesn’t offer enough coverage. Full-coverage car insurance includes the minimum liability coverage but also adds collision coverage and comprehensive coverage to your policy for vehicle protection.

Washington doesn’t require drivers to purchase full-coverage insurance, but people who drive leased or financed vehicles may have to carry this kind of insurance policy as a condition of their financing.

The average cost of full-coverage car insurance is higher than liability-only coverage. In Washington, drivers pay $176 per month for full coverage, on average.

The following companies have some of the cheapest Washington car insurance options for full-coverage policies.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyAverage Monthly Quote
Direct Auto$75
National General$111
Safeco$114
State Farm$118
USAA$120
Midvale Home & Auto$135
GEICO$145
Allstate$156
Liberty Mutual$159
The General$160
American Family$177
Nationwide$183
Chubb$198
Farmers$207
Travelers$242
Dairyland$271
Bristol West$287
Foremost$325
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates in Washington

Drivers in and around Washington have found policies from Allstate, Bristol West, Direct Auto, and more, through Insurify in the last few days.

*Quotes generated for Insurify users within the last 10 days. Last updated on June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Washington

Under state law, Washington follows a “pure comparative fault” rule. This means each party in an accident will have a degree of negligence that determines their financial responsibility in case of a lawsuit. If you cause an accident, you’re responsible for the other driver’s resulting damage and loss.[4]

Drivers in Washington state must carry a minimum level of liability insurance, including bodily injury and property damage liability. The table below shows the required minimum insurance levels.[5]

CoverageMinimum Requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$10,000 per accident

You don’t need to carry more than the above coverage levels. But you can add the following types of car insurance to your policy for additional protection in case of an at-fault accident or other problems on the road:

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    If you’re in an accident with an uninsured or underinsured driver, this coverage pays for your damages. Considering the high percentage of uninsured drivers in Washington state, you may want to purchase uninsured/underinsured motorist coverage.

  • illustration card https://a.storyblok.com/f/162273/x/e30eeeebc5/personal-injury-protection.svg

    Personal injury protection (PIP) coverage

    If you incur an injury in an accident, PIP insurance covers your medical and related non-medical bills, regardless of fault.

  • illustration card https://a.storyblok.com/f/162273/x/7b43b14514/damage-from-aircraft.svg

    Collision coverage

    If you have an accident, collision insurance covers the cost of repairing any physical damage to your vehicle.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Your car is vulnerable to more than just accidents. If anything other than a collision damages your car — including animals, severe weather, or vandalism — comprehensive insurance pays to repair it.

Cheapest car insurance for drivers with an incident

If you have a clean driving history, you’re more likely to qualify for the best rates. But if you have any traffic violations on your record, such as a speeding ticket, DUI, or at-fault accident, insurers will consider you to be a high-risk driver, and you’ll generally pay higher rates.

But high-risk drivers can still find reasonable prices with the right auto insurance companies by comparing coverage options. Washington drivers with an incident on their record pay an average of $109 per month for liability coverage and $236 for full-coverage insurance.

Shop for Car Insurance in Washington

Monthly rates start at $67 for drivers with an incident

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Cheapest car insurance for drivers with a speeding ticket: State Farm

Insurers are more likely to consider you a high-risk driver if you receive a speeding ticket because it shows you’re more likely to file a claim than someone who regularly follows the speed limit.

In Washington, the average premium for drivers with a speeding ticket is $257 for full coverage and $118 for liability-only coverage. If you have a speeding ticket on your driving record, start your search below for the best car insurance company for your needs. The rates below reflect liability insurance costs.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyClean Driving RecordWith Speeding Ticket
State Farm$54$70
USAA$55$72
Direct Auto$57$75
GEICO$67$88
Allstate$72$95
Safeco$75$100
National General$79$103
American Family$82$108
Nationwide$84$111
The General$90$120
Chubb$91$121
Farmers$96$125
Travelers$112$148
Foremost$118$170
Dairyland$122$161
Bristol West$133$174
Liberty Mutual$147$212
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: State Farm

Insurers in Washington may consider drivers with at-fault accidents on their records to be high-risk drivers because they’re more likely to make a claim. After an accident, you can generally expect to pay higher rates for your car insurance premiums — at least until you’ve re-established a clean and accident-free driving history.

The average cost of car insurance for Washington drivers with a past accident is $123 for liability and $266 for full coverage. To find the best deal on car insurance costs after an at-fault accident, check out liability rates from the following insurers.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyClean Driving RecordWith Accident
State Farm$54$74
USAA$55$76
Direct Auto$57$80
GEICO$67$93
Allstate$72$99
Safeco$75$101
National General$79$109
American Family$82$113
Nationwide$84$117
The General$90$126
Chubb$91$126
Farmers$96$132
Travelers$112$155
Foremost$118$177
Dairyland$122$168
Bristol West$133$181
Liberty Mutual$147$221
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: State Farm

Driving under the influence (DUI) is a serious traffic offense that can endanger you and anyone else on the road. Insurers take this kind of violation very seriously. Some companies will even drop coverage for any driver convicted of a DUI since such drivers are more likely to file a claim.

In Washington, drivers with a past DUI pay $139 per month for liability insurance and $302 for full-coverage insurance, on average.

Compare liability insurance rates for drivers with clean records and people with a DUI in the table below.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyClean Driving RecordWith DUI
State Farm$54$92
USAA$55$94
Direct Auto$57$97
GEICO$67$114
Allstate$72$122
Safeco$75$128
National General$79$134
American Family$82$139
Nationwide$84$143
The General$90$153
Chubb$91$155
Farmers$96$163
Travelers$112$190
Foremost$118$201
Dairyland$122$207
Bristol West$133$226
Liberty Mutual$147$250
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: State Farm

Auto insurance rates tend to decrease with age for drivers with clean records between ages 35 and 69. Rates often increase again for drivers 70 and older. Even though senior drivers have plenty of experience behind the wheel, insurance companies increase rates to reflect aging-related risk factors.

On average, senior drivers in Washington pay $56 per month for liability insurance and $123 for full-coverage insurance. Find the cheapest insurers for senior drivers in the table below.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyFull CoverageLiability Only
National General$80$57
State Farm$84$39
Safeco$85$56
USAA$88$40
GEICO$106$49
Allstate$115$53
Liberty Mutual$117$108
The General$120$68
Nationwide$125$58
American Family$126$59
Chubb$133$61
Farmers$148$69
Travelers$174$81
Dairyland$199$90
Bristol West$211$98
Foremost$233$85
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: State Farm

Teen drivers have the highest premium rates of any age group because teenagers are new to driving and more likely to behave impulsively behind the wheel. Teens account for a disproportionate percentage of crashes and fatalities on the road.

Teen drivers can use several strategies to reduce the cost of auto insurance. Start with the tips below:

  • Maintain your GPA. A number of insurers provide discounts to teen drivers who get good grades.

  • Drive a practical car. Insurers often charge lower rates for safe cars, and parents and teen drivers can find a list of affordable cars that are suitable for new drivers on the Insurance Institute for Highway Safety website.[6]

  • Join your parents’ insurance policy. This will be much less expensive than if the teen driver gets their own insurance policy.

COUNTRY Financial has the lowest rates for teen drivers in the U.S., with an average cost of $48 per month for full coverage. Here are some of the cheapest options for teenage drivers in Washington.

The below rates are estimated rates current as of: Tuesday, June 18 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyFull CoverageLiability Only
USAA$196$90
State Farm$197$90
National General$210$149
GEICO$225$104
Safeco$234$154
The General$255$143
Allstate$270$124
Liberty Mutual$289$268
American Family$305$141
Nationwide$309$142
Farmers$359$167
Chubb$361$166
Travelers$430$199
Dairyland$446$201
Bristol West$482$223
Foremost$569$207
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Car Insurance in Washington

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Washington car insurance quotes by credit tier

Washington State Insurance Commissioner Mike Kriedler attempted to ban insurance companies from using credit-based insurance scores to help determine premium prices in 2022, but a judge overturned the ban in the same year. This means Washington insurers can still consider your credit while setting your insurance rates.[7]

Insurers have found that drivers with poor credit are more likely to file insurance claims, while drivers with good or excellent credit are less likely to do so.

Here are the average monthly rates for full-coverage auto insurance by credit tier in Washington state.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Washington car insurance FAQs

Before you start shopping around for auto coverage, you should determine how much car insurance you need. The following information should help you navigate the insurance-buying process in Washington.

  • How much is car insurance in Washington?

    The average cost of car insurance in Washington is $81 per month for liability insurance and $176 for full-coverage car insurance. Ultimately, how much you pay for your auto coverage will depend on your driving record, age, chosen coverage, ZIP code, and more.

  • Who has the cheapest car insurance in Washington?

    With a liability insurance rate of $54 per month, State Farm is the cheapest car insurance company in Washington. USAA and Direct Auto also have affordable liability insurance, at $55 and $57 per month, respectively. The best way to find cheap car insurance is to compare quotes from multiple companies.

  • What are the best car insurance companies in Washington?

    With an AM Best financial strength rating of A++ (Superior), an Insurify Quality (IQ) Score of 9.3 out of 5, and high customer satisfaction, State Farm is the best car insurance company in Washington. The average cost of car insurance from State Farm in Washington is $54 for liability insurance and $118 for full-coverage insurance. Other top insurers include USAA and GEICO.

  • How can you qualify for cheap car insurance in Washington?

    The best way to find cheap insurance is to compare quotes from multiple auto insurance companies. You can also typically save on coverage by bundling your auto insurance with other insurance products, like life or home insurance, and qualifying for discounts. Increasing your deductibles for collision and comprehensive insurance can also decrease your premium.

  • What are the minimum car insurance requirements in Washington state?

    Drivers in Washington state must carry at least $25,000 per person and $50,000 per accident in bodily injury liability and $10,000 per accident in property damage liability coverage.

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.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. U.S. Census Bureau. "QuickFacts Washington."
  2. Insurance Information Institute. "Facts + Statistics: Uninsured motorists."
  3. National Association of Insurance Commissioners. "2023 Property and Casualty Market Share."
  4. NOLO. "Washington Car Accident Laws."
  5. Washington State Office of the Insurance Commissioner. "Washington state's mandatory auto/motorcycle insurance law."
  6. Insurance Institute for Highway Safety. "IIHS, Consumer Reports update teen vehicle recommendations for 2023."
  7. The Seattle Times. "Washington judge overturns insurance rate credit scoring ban."
Emily Guy Birken
Emily Guy Birken

Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her background in education allows her to make complex financial topics relatable and easily understood by the layperson.

Her work has appeared on The Huffington Post, Business Insider, Kiplinger's, MSN Money, and The Washington Post online.

She is the author of several books, including The 5 Years Before You Retire, End Financial Stress Now, and the brand new book Stacked: Your Super Serious Guide to Modern Money Management, written with Joe Saul-Sehy.

Emily lives in Milwaukee with her family.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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