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Cheap Car Insurance in Washington (2023)

Drivers in Washington pay rates starting at $76/mo. for car insurance.

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Jess Ullrich
Written by
Jess Ullrich
Jess Ullrich
Written by
Jess Ullrich
Insurance Writer
Jess is a personal finance writer who's been creating financial and business content for over a decade. Her work is published on Investopedia, MoneyWise, NextAdvisor, The HuffPost, and more. Prior to freelancing full-time, Jess was an editor at Investopedia, The Balance, and FinanceBuzz. Connect with her on LinkedIn.
John Leach
Edited by
John Leach
Photo of an Insurify author
Edited by
John Leach
Insurance Content Editor at Insurify
John Leach is an insurance content editor who has worked in print and online. He has years of experience in car and home insurance and strives to make these topics easy to understand for everyone. He has a linguistics degree from UC Santa Barbara.
Konstantin Halachev
Data reviewed by
Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Data reviewed by
Konstantin Halachev
VP of Engineering
Konstantin has led data science and engineering projects across multiple domains: biology, travel and insurance. He loves finding data nuggets that help people.

Updated December 7, 2022

Washington is the 25th-cheapest state for purchasing car insurance, with drivers paying an average of $208 per month. To find cheap car insurance, drivers should take the time to shop around for rates from multiple companies. The easiest way to do so is by using an online comparison tool to compare quotes side by side.

Quick Facts

  • The average cost of car insurance in Washington is $208/mo.

  • Travelers is the cheapest top provider in Washington, with average rates of $135/mo.

  • The easiest way to cut car insurance costs is to compare quotes online.

Best cheap car insurance in Washington: Travelers

1
Travelers logo

Travelers

Average Monthly Cost:
$135
Insurify Composite Score:
80

Insurify's data team calculates an Insurify Composite Score (ICS) by gathering data on the best car insurance companies in Washington. The ICS highlights provider quality, financial health, and reliability. Based on its ICS of 80 and average cost of $135 per month, Travelers is our top-ranked cheap car insurance provider in Washington.

Car Insurance CompanyInsurify Composite ScoreThe 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
Travelers80$135
State Farm88$139
USAA96$142
Nationwide89$144
ProgressiveN/A$174
Erie85$116
StillwaterN/A$138
Safeco86$148
GEICO88$180
Kemper PreferredN/A$181
Allstate85$190
Direct AutoN/A$195
Midvale Home & AutoN/A$201
Liberty Mutual82$204
National General58$208
The GeneralN/A$210
American Family89$218
Bristol WestN/A$248
Farmers85$256
Kemper SpecialtyN/A$263
KemperN/A$342
AmicaN/A$479
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.

Learn More: Best Car Insurance Companies

Insurify Composite Score (ICS)

To calculate the Insurify Composite Score, a proprietary rating, Insurify data scientists weigh multiple factors that reflect the quality, reliability, and health of an insurance company. 

Inputs to the score include J.D. Power ratings, Consumer Reports customer satisfaction surveys and customer complaints, mobile app reviews, user-generated company reviews, and financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch.

What to know about minimum car insurance requirements in Washington

Washington requires insurance for all motor vehicles operated or parked on state roadways. You must carry proof of insurance in your car at all times and have the proof 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 are:[1]

  • $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 Washington Department of Licensing (DOL) handles licensing and car registration services for drivers living in the state. Its website allows drivers to get a new license or permit, renew or update a license or permit, register a vehicle, renew their registration, and more.[2]

Public transportation in Washington

While larger cities in Washington like Seattle offer multiple public transit options, including buses, ferries, and light-rail services, options are more limited in smaller cities.[3] Generally, the best way to get around in Washington state is by car. Rideshare apps like Uber or Lyft are also a popular choice if you don’t have your own vehicle.

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Tips for getting cheap car insurance in Washington

The best way to find cheap car insurance in Washington is to comparison shop. Doing so will let you see what different providers offer and help you understand how much coverage might cost. Factors like your location, age, driving record, and credit history will all help determine your insurance rate, so it’s essential to compare car insurance quotes from multiple companies.

Liability-only vs. full-coverage insurance in Washington

If you live in Washington, you can opt to carry liability-only auto insurance, which pays for expenses related to injuries and damage to the other party’s car if you cause an accident. Each state sets its own minimums for how much liability insurance it requires drivers to carry. Liability-only insurance can make sense if:

  • You have a low-value vehicle.

  • You can afford to repair or replace your car out of your own pocket.

  • Getting the cheapest insurance possible is your top priority.

For a higher level of protection, you can choose full-coverage insurance, which includes basic liability plus collision and comprehensive coverage. Collision coverage pays for damages to your car, even if you’re at fault for an accident. Comprehensive coverage pays for damages caused by events out of your control, like vandalism, weather, and animals. Auto lenders and leasing companies typically require drivers to carry full coverage on a car they’ve financed.

You may also opt for full coverage if:

  • You have a high-value vehicle.

  • You wouldn’t be able to afford to repair or replace your car out of pocket.

  • Your car’s actual cash value (the payout you’d likely get if your car is totaled) exceeds your annual premium to carry full coverage.

Here’s a look at the average monthly quotes for the cheapest auto insurance in Washington by policy type.

Car Insurance CompanyLiability OnlyFull Coverage
State Farm$91$139
USAA$93$142
Travelers$106$135
Progressive$114$174
GEICO$118$180
Erie$76$116
Stillwater$94$138
Safeco$113$148
Kemper Preferred$116$181
Allstate$125$190
The General$138$210
Kemper Specialty$141$263
American Family$143$218
Midvale Home & Auto$145$201
Bristol West$147$248
Nationwide$147$144
Farmers$167$256
National General$172$208
Direct Auto$188$195
Kemper$234$342
Liberty Mutual$256$204
Amica$314$479
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.

How your driving record affects Washington car insurance rates

Your driving history is the factor that most influences your car insurance costs. Good drivers — whose records are free of serious traffic violations like speeding tickets or reckless driving — tend to get the best car insurance rates in Washington. But infractions like driving under the influence or at-fault accidents can significantly increase insurance costs.

Here’s a look at average monthly quotes for the cheapest car insurance in Washington based on driving and accident history.

See More: High-Risk Car Insurance Washington

Car Insurance CompanyClean RecordAt-Fault AccidentWith a DUISpeeding Ticket
GEICO$84$106$184$115
Progressive$86$109$188$117
Farmers$105$133$231$100
Allstate$115$146$252$157
Travelers$126$152$184$155
Safeco$129$196$223$194
Esurance$135$171$296$184
Nationwide$135$171$296$184
Stillwater$135$158N/AN/A
USAA$141$161N/A$121
Midvale Home & Auto$168$293$336$270
Direct Auto$173$274$198$254
Kemper Preferred$173$172N/A$202
National General$180$228$199$246
State Farm$183$209N/A$156
The General$186$302$226$266
Liberty Mutual$196$247$184$228
Bristol West$215$273$278$294
American Family$222$253N/A$189
Kemper Specialty$240$334$269$307
Kemper$330$345$278$384
Erie$363$414N/A$309
Amica$488$556N/A$416
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.

See More: SR-22 Car Insurance Washington

SR-22 insurance in Washington

Those with a DUI conviction in Washington will likely need an SR-22 form to reinstate their license. Those who need to file an SR-22 can usually do so through their insurance company, but be aware that some auto insurance companies don’t. If that’s the case, you might need to shop for new coverage. The following companies offer SR-22 insurance in Washington state.

How credit scores affect Washington car insurance quotes

Your credit score may also impact your car insurance rates in Washington because the state allows companies to use it as a factor. Generally, people with excellent or good credit scores can qualify for lower car insurance premiums than people with average or poor credit scores. The following table provides an overview of how credit scores can affect car insurance quotes in Washington.

Credit TierAverage Monthly Quote
Excellent$163
Good$193
Average$212
Poor$329
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.

How your city affects Washington insurance quotes

Your car insurance rates may also be different depending on where you live in Washington state. In general, those in larger metropolitan areas pay more for coverage. For instance, those in Tacoma will likely pay around $235 per month for auto insurance coverage, while those in Yakima will pay around $154 per month. See more rates in the table below.

CityAverage Monthly Quote
Auburn$217
Bellevue$206
Bellingham$155
Everett$202
Kennewick$136
Kent$225
Kirkland$192
Pasco$174
Renton$226
Sammamish$233
Seattle$224
Spokane$168
Tacoma$235
Vancouver$198
Yakima$154
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.


How your age affects your Washington car insurance rates

Because insurers generally equate age with experience level, your age will significantly affect how much you pay for car insurance. New drivers, who tend to be teens or people in their early 20s, typically pay more for insurance than drivers 25 and older.

The following table gives a high-level view of how age can affect insurance rates for Washington drivers.

Age GroupAverage Monthly Rate
Teenagers$429
Under 25$246
20s$189
30s$179
40s$185
50s$134
60s$147
70s$134
80+$180
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.

Quotes for younger drivers

Younger drivers looking for cheap car insurance in Washington, should consider Travelers, Safeco and Kemper Preferred – all offer comparatively cheap liability-only coverage. However, accidents and DUIs can severely affect car insurance rates for young drivers in Washington. For example, a DUI can cause a young driver’s rates to increase by as much as 154%. 

The following table shows the impact of accidents and DUIs on young driver’s insurance rates in Washington.

Car Insurance CompanyLiability OnlyFull CoverageWith AccidentWith DUI
Travelers$116$158$173$295
Progressive$158$200N/AN/A
Nationwide$213$170$170$334
StillwaterN/A$135N/AN/A
Safeco$146$191$219$346
Kemper Preferred$148$224$198N/A
Kemper Specialty$170$310$392$565
The General$191$280$350$498
Bristol West$192$308$353$575
Midvale Home & Auto$216$273$331$484
National General$264$291$400$517
Kemper$283$412$420N/A
Direct Auto$307$278$344$496
Liberty Mutual$422$285$307$569
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.

Quotes for middle-aged drivers

Overally, middle-aged drivers can find much lower rates than younger drivers face. For example, a liability policy from Travelers is about 9% cheaper for middle-aged drivers than for young drivers, Insurify data indicates. 

An accident or DUI, however, will adversely affect a middle-aged driver’s insurance rates. And some insurance companies may decline to offer policy quotes at all to drivers with those infractions on their records. The following table shows some examples.

Car Insurance CompanyLiability OnlyFull CoverageWith AccidentWith DUI
Progressive$76$146N/AN/A
Travelers$106$127$134$241
Nationwide$126$141$169$251
National General$92$134N/A$249
StillwaterN/A$140N/A$275
Kemper Preferred$97$160N/A$304
Safeco$102$129$159$223
The General$106$164$205$302
Midvale Home & Auto$113$160$215$267
Direct Auto$117$141$172$261
Bristol West$123$216$260$398
Kemper Specialty$124$235$296$438
Liberty Mutual$173$159$178$308
Kemper$178$300N/A$559
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.

Quotes for senior drivers

Senior drivers in Washington can find very low rates, especially for minimum coverage policies. But driving infractions will increase seniors’ insurance rates, just as they do for every other age group. The table below provides data on the impact of accidents and DUIs on car insurance rates for senior drivers in Washington.

Car Insurance CompanyLiability OnlyFull CoverageWith AccidentWith DUI
Travelers$97$113$132$205
Nationwide$119$122$135$233
Liberty Mutual$152$126$153$231
National General$92$125N/A$233
Safeco$103$118$159$211
The General$114$165$210$295
Kemper Preferred$117$171N/A$297
Kemper Specialty$124$213$283$378
Bristol West$125$193$237$354
Midvale Home & Auto$126$153$219$259
Direct Auto$128$132$169$235
Kemper$158$258N/AN/A
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

  • Travelers, State Farm, and USAA offer the cheapest average monthly quotes for drivers seeking coverage in the state of Washington, at $135, $139, and $142, respectively. Nationwide and Progressive also offer affordable rates of $144 and $174, respectively.

    Drivers seeking liability-only coverage will pay even less. State Farm, USAA, and Travelers offer the most affordable options. You’ll likely pay $91 per month on average for a policy with State Farm, $93 with USAA, and $106 with Travelers.

  • Several factors can increase your car insurance rates in Washington, including your age, driving record, credit history, and location. In general, teen drivers pay much more for coverage compared to older drivers. And those who have DUIs, speeding tickets, at-fault accidents, or poor credit are also likely to pay more. Rates will vary depending on where you live.

    Generally, the lowest rates for auto insurance are available to drivers with excellent credit and good driving records. Car insurance discounts may be available and could help lower the cost of coverage, depending on the insurer you choose.

  • The cost of car insurance in Washington can vary greatly depending on your situation, as well as the insurer, coverage, and deductible you select. For instance, if you have a spotless driving record and a strong credit history, you could pay as little as $76 for liability-only coverage with Erie. But if you prefer to have collision and comprehensive coverage, you’ll pay more.

    Those with moving violations or bad credit may get higher quotes for coverage, as will teen drivers and those living in certain cities in Washington. Drivers in populated areas like Seattle, for example, may pay higher rates due to high traffic congestion. Seattle ranks fifth among American cities with the most traffic.

  • The best car insurance companies in Washington offer affordable coverage, reliability, and financial strength. State Farm, USAA, and Nationwide all rank highly based on our data team’s Insurify Composite Scores (ICS), which measure quality, financial health, and reliability. State Farm earned an 88 ICS, USAA earned a 96 ICS, and Nationwide earned an 89 ICS.

    State Farm is the cheapest of the three, with an average monthly premium of $139. USAA is slightly more expensive, at $142 per month on average. And Nationwide is the most expensive of the three, with an average premium of $144 per month.

  • While certain states require PIP insurance, Washington state doesn’t require it. However, insurers in Washington must offer you a minimum of $10,000 in PIP coverage. If you prefer not to get this coverage with your policy, you’ll need to reject it in writing.

    While PIP coverage is optional, it can offer valuable financial protection. Those with this insurance may get help covering medical expenses, funeral costs, wage loss, and more after an accident.

  • Yes, Washington state requires car insurance. By law, drivers must have a minimum of $25,000 per person (and $50,000 per accident) in bodily injury liability and $10,000 in property damage liability coverage. If you have an auto loan, your lender may require collision and comprehensive coverage for your car.

    Insurers in Washington must also offer you PIP and uninsured/underinsured motorist coverage. But these coverages aren’t required, and you can choose to decline them in writing.

  • As with many other states, insurance typically follows the car in Washington. So if you let a friend drive your car and they get into an accident, your insurance will be the primary source of coverage if a passenger is injured or your car is damaged. Your friend’s insurance would be a secondary source of coverage, if applicable.

    Take care when letting others borrow your car. Make sure they have a relatively clean driving record and safe driving habits, as well as a valid driver’s license.

  • Full-coverage car insurance in Washington includes liability, uninsured and underinsured motorist, collision, and comprehensive coverage. While it’s possible to get liability-only coverage in Washington for as little as $76 through Erie, doing so could leave you underinsured if you’re ever involved in an accident.

    Additional coverage is relatively affordable, with monthly quotes as low as $116 from Erie, and may protect you financially if you’re injured or your car incurs significant damage from a crash. It generally makes sense to have full coverage unless the value of your car is very low. Your lender might also require it if you have an auto loan.

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 more than 40 million real-time auto insurance rates from our partner providers 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. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

Sources

  1. Washington State Office of the Insurance Commissioner. "Washington state's mandatory auto/motorcycle insurance law." Accessed December 7, 2022
  2. Washington State Department of Licensing. "Get it done online." Accessed December 7, 2022
  3. Seattle Department of Transportation. "Getting Around." Accessed December 7, 2022
Jess Ullrich
Written by
Jess Ullrich
Linkedin

Insurance Writer

Jess is a personal finance writer who's been creating financial and business content for over a decade. Her work is published on Investopedia, MoneyWise, NextAdvisor, The HuffPost, and more. Prior to freelancing full-time, Jess was an editor at Investopedia, The Balance, and FinanceBuzz. Connect with her on LinkedIn.

Learn More
John Leach
Edited by
John Leach

Insurance Content Editor at Insurify

Photo of an Insurify author
Edited by
John Leach
Insurance Content Editor at Insurify
John Leach is an insurance content editor who has worked in print and online. He has years of experience in car and home insurance and strives to make these topics easy to understand for everyone. He has a linguistics degree from UC Santa Barbara.
Konstantin Halachev
Data reviewed by
Konstantin Halachev
Linkedin

VP of Engineering

Headshot of Konstantin Halachev, VP of Engineering at Insurify
Data reviewed by
Konstantin Halachev
VP of Engineering
Konstantin has led data science and engineering projects across multiple domains: biology, travel and insurance. He loves finding data nuggets that help people.